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Signature Loan With Low APR In San Juan County, Puerto Rico

$36000 Signature Loan – San Juan Puerto Rico, Credit Score Of 686

  • Experian: 702 – This client had a good Experian rating
  • Transunion: 671 – Johnnie had a good credit score with Transunion.
  • Equifax: Johnnie’s Experian score was 686, which is a good credit score using the Experian system.

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $30,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Johnnie required a debt consolidation loan to pay for their existing signature loan and their payday loan. Johnnie was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.6%.

6 Months Ago, Johnnie Attempted Finding a High Risk Loan for $32,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Johnnie. Johnnie decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Individuals with credit ratings as low as 441 can inquire for a high risk loan and possibly can be approved.

Johnnie’s Overall FICO score at the time of acceptance for a signature loan, taking into account their art job and their future job as a radiologist

Fico Score: 686

Contact Details for Eurobank, the provider of this signature loan

  • Eurobank
  • City: San Juan
  • State: Puerto Rico
  • Address: Quebrada Arena Road #1, Km 24.5
  • County: San Juan
  • Zip code: 926

Johnnie has a sad current yearly income, but has a high number of prospects

Johnnie has always wanted to be a radiologist, but would need attend Wake Forest Baptist Health again to achieve it. Johnnie has other prospects as well, including social worker, customs inspector, and aircraft mechanic, which pay $59,000 through to $97,000 per year, on average. For this reason, we believe that Johnnie can pay for this signature loan of $36000.

Signature Loan easily acquired in San Juan, Puerto Rico for $36000 with good credit by Johnnie

Most prospective borrowers struggle with finding signature loans in San Juan, Puerto Rico, and Johnnie is no exception. Johnnie went to 5 lending institutions or more prior to finding Eurobank, who offered Johnnie a signature loan for $36000. Typical signature loans simply require a client, like Johnnie’s signature to obtain them, up to $41,000 in some cases. Johnnie was able to get $36000 as a signature loan, which is very high for a signature loan. Since signature loans do not need collateral, these loans tend to need better credit, as high as 710

Previous requests on Johnnie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$46140.00 3 5.5% $1393.24 Roig Commercial Bank July 12, 2011
$45520.00 3 5.7% $1378.63 Banco Credito y Ahorro Ponceno August 30, 2011
$45890.00 4 11.6% $1199.47 Banco Popular de Puerto Rico April 2, 2012
$46130.00 4 6.8% $1100.36 Banco Popular de Puerto Rico May 18, 2012
$46350.00 11 6.7% $497.22 Banco Economias April 12, 2014

Many past requests for credit have been made by Johnnie in the past, including one from Firstate Bank in San Juan, Puerto Rico before Johnnie was accepted for the $36000 by Eurobank

Johnnie made 6 previous attempts to obtain a signature loan, 2 of which were with Firstate Bank, a bank in San Juan, Puerto Rico known to specialize in signature loans specifically. Before finding Eurobank, Johnnie was desperate due to their inexperience and good credit rating.

Client Profile: Johnnie Galea of San Juan, Puerto Rico
  • Full name (Changed if requested): Johnnie Galea
  • Current Credit: loans.hit.utils.Fico@6e2c634b
  • Current City: San Juan
  • State: Puerto Rico
  • Zip code: 935
  • Yearly income: $68,000
  • Current Job: art
  • Current County: San Juan
  • Goal Yearly Income: $116,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Johnnie was declined by Banco de Ahorro, F.S.B. 4 times prior to being approved by Eurobank at Quebrada Arena Road #1, Km 24.5

On January 3, 2012, Johnnie inquired about borrowing $16,000 from Home Federal Savings and Loan Association of Puerto Rico with Trina, their in law from just outside San Juan, and even with the co-signer, Johnnie was rejected for this signature loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.

When Johnnie was 21, they attempted to obtain a student loan from 4 different lenders, which damaged their credit rating. Below is a chronology of Johnnie’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on May 11, 2013
  • Attempt 2) Loan for $25,000.00 on November 11, 2009
  • Attempt 3) Loan for $33,000.00 on July 3, 2009
  • Attempt 4) Loan for $31,000.00 on December 25, 2011

Installment loan for Johnnie, a graduate of Wake Forest Baptist Health and an art working for over $77,000 per year

Johnnie, an alumnus at Wake Forest Baptist Health and an art in San Juan, Puerto Rico wants a signature loan to purchase something frivolous. Johnnie has instead decided to obtain an installment loan for $4,000 and is at present seeking lenders like Oriental Bank to provide it.

Before applying for this signature loan, Johnnie had an Experian score of 702, which is good, so Eurobank most likely cannot provide Johnnie a signature loan

Experian Score: 702

Fast Loans for Johnnie in San Juan, Puerto Rico to prevent bankruptcy or harm from debt collectors.

Fast loans in San Juan, Puerto Rico aren’t actually that difficult to obtain, particularly if you have some finesse like Johnnie. Johnnie was able to find a fast loan for $36000 from Santander National Bank and Caguas Federal Savings and Loan Association of Puerto Rico, but declined both offers in favor of their signature loan from Eurobank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. Much better if a borrower is in a pinch.

Johnnie’s Transunion score was altered by the signature loan loan, changing to 671 from 686, which is typical in our experience.

Transunion Score: 671

Personal Loan for an art named Johnnie in San Juan, Puerto Rico to Pay Off HSBC MasterCard BusinessCard Card

Johnnie had a lot of credit card debt on their Starbucks Prepaid Rewards Card and their Wells Fargo Platinum Visa Card, and they were starting to get in over their heads. Despite Johnnie’s job as an art, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Johnnie for this signature loan of $36000, provided by Eurobank

Hello, I am Johnnie and my hometown is San Juan in Puerto Rico. San Juan, county is where I grew up, and now I need a signature loan in Puerto Rico for $36000 to buy a big ticket item. It has been difficult, but Eurobank really came through for me with this loan for 10.0% interest APR and a term of 16 years. I can repay the loan over the 16 year term, including interest. A big thanks to Eurobank for trusting me and my good credit. It look me 6 years to create my credit to 686, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Conclusion of Johnnie’s signature loan

In the end, Johnnie was able to find a signature loan for $36000 with an interest rate of 8.1% interest APR from Eurobank in San Juan, Puerto Rico repayable over 16 years from today.

Will Alexander

Will Alexander has over 10 years of experience as a financial expert and writer. The goal of his work is to assist the people of Texas in finding loans for lower interest rates than they thought were possible. Will specializes in bad credit loans.

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Names of borrowers and lenders have been modified, substituted, or fictionalized for search and privacy purposes. Information presented here is for entertainment purposes only and should not be interpreted as the truth.