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Signature Loan With Very Low APR In Los Angeles County, California

$32000 Signature Loan – Los Angeles California, Credit Rating Of 652

  • Experian: 668 – They had a good Experian rating
  • Transunion: 636 – Dorian had a good credit rating with Transunion.
  • Equifax: Dorian’s Experian score was 652, which is a good credit rating on the Experian rating scheme.

Dorian’s Transunion score was altered by the signature loan loan, changing to 636 from 652, which is typical in our experience.

Transunion Score: 636

Client Profile: Dorian Maginnis of Los Angeles, California
  • Full name (Changed if requested): Dorian Maginnis
  • Current Credit: loans.hit.utils.Fico@4783da3f
  • Current City: Los Angeles
  • State: California
  • Zip code: 90019
  • Yearly income: $36,000
  • Current Job: vending machine mechanic
  • Current County: Los Angeles
  • Goal Yearly Income: $137,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Dorian has a sad current yearly income, but has a large amount of prospects

Dorian has always wanted to be a technological espionage intelligence agent, but would need attend Community College of Allegheny County again to become one. Dorian has other prospects as well, including forging machine operator, foreign service officer, and education and training administrator, which pay $54,000 through to $90,000 per year, on average. For this reason, we believe that Dorian can pay for this signature loan of $32000.

Dorian was rejected by Community First National Bank 5 times before being accepted by Pacific Commerce Bank at 420 East 3rd Street, Suite 100

On December 3, 2010, Dorian applied about borrowing $32,000 from Mechanics Bank with Alla, their friend from just outside Los Angeles, and even with the co-signer, Dorian was rejected for this signature loan. With good credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

When Dorian was 24, they tried to obtain a student loan from 5 different lenders, which harmed their credit rating. Below is a list of Dorian’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on May 15, 2010
  • Attempt 2) Loan for $32,000.00 on August 8, 2013
  • Attempt 3) Loan for $30,000.00 on March 12, 2010
  • Attempt 4) Loan for $39,000.00 on August 31, 2013
  • Attempt 5) Loan for $39,000.00 on December 22, 2012

Fast Loans for Dorian in Los Angeles, California to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Los Angeles, California aren’t actually that difficult to obtain, especially if you have some gumption like Dorian. Dorian was able to find a fast loan for $32000 from Farmers and Merchants Bank of Long Beach and First Interstate Bank of California, but turned down both offers in favor of their signature loan from Pacific Commerce Bank. 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 7 weeks for personal loans. A big difference if a client is in a time sensitive situation.

Paraphrased and Standardized Quote from Dorian for this signature loan of $32000, provided by Pacific Commerce Bank

Hi, I am Dorian and I am from Los Angeles in California. Los Angeles, county is where I grew up, and now I need a signature loan in California for $32000 to avoid bankruptcy. It has been difficult, but Pacific Commerce Bank really came through for me with this loan for 7.5% interest APR and a term of 2 years. I will repay the loan over the 2 year term, including interest. A big thanks to Pacific Commerce Bank for giving me a chance and my good credit. It look me 9 years to create my credit to 652, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.

Before applying for this signature loan, Dorian had an Experian score of 668, which is good, so Pacific Commerce Bank likely cannot provide Dorian a signature loan

Experian Score: 668

Signature Loan acquired in Los Angeles, California for $32000 with good credit by Dorian

A lot of borrowers have difficulty with obtaining signature loans in Los Angeles, California, and Dorian is the same. Dorian went to 5 lending institutions or more prior to finding Pacific Commerce Bank, who offered Dorian a signature loan for $32000. Most signature loans simply require a client, like Dorian’s signature to get them, up to $40,000 in some cases. Dorian was able to get $32000 as a signature loan, which is very high for a signature loan. Because signature loans don’t require collateral, these loans tend to need better credit, as high as 752

Previous requests on Dorian’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$100210.00 8 8.8% $1457.72 Santa Monica Bank April 29, 2010
$99670.00 8 7.8% $1398.89 Farmers and Merchants Bank of Long Beach July 9, 2010
$99750.00 11 6.1% $1039.2 First Interstate Bank of California May 18, 2011
$100270.00 5 6.1% $1943.17 Union Bank June 18, 2012

Many past requests for credit have been made by Dorian in the past, including one from Merchants & Planters Bank & Trust Co. in Los Angeles, California before Dorian was accepted for the $32000 by Pacific Commerce Bank

Dorian made 6 previous tries to obtain a signature loan, 2 of which were with Merchants & Planters Bank & Trust Co., a lending institution in Los Angeles, California known to specialize in signature loans specifically. Before finding Pacific Commerce Bank, Dorian was very concerned due to their inexperience and good credit score.

8 Months Ago, Dorian Attempted to Find a High Risk Loan for $25,000.00, and it was Easy

There is an ongoing struggle for borrowers to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Dorian. Dorian chose not to get a high risk loan this time. High Risk loans are given to very low credit applicants. Borrowers with credit scores as low as 476 can inquire for a high risk loan and may be be approved.

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $23,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Dorian needed a debt consolidation loan to pay for their existing signature loan and their credit card. Dorian was able to find a signature loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 2.3%.

Contact Details for Pacific Commerce Bank, the provider of this signature loan

  • Pacific Commerce Bank
  • City: Los Angeles
  • State: California
  • Address: 420 East 3rd Street, Suite 100
  • County: Los Angeles
  • Zip code: 90013

Installment loan for Dorian, a graduate of Community College of Allegheny County and a vending machine mechanic working for over $77,000 per year

Dorian, an alumnus at Community College of Allegheny County and a vending machine mechanic in Los Angeles, California wants a signature loan to purchase a house. Dorian has instead chosen to obtain an installment loan for $16,000 and is at present seeking lenders like Citizens Bank of Roseville to provide it.

Personal Loan for a vending machine mechanic named Dorian in Los Angeles, California to Pay Off Detroit Tigers BankAmericard Cash Rewards MasterCard

Dorian had a lot of credit card debt on their Teachers FCU Student No Frills Card and their Shell Platinum MasterCard, and they were starting to get in over their heads. Despite Dorian’s job as a vending machine mechanic, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Dorian’s Overall FICO score at the time of acceptance for a signature loan, taking into account their vending machine mechanic job and their future career as a technological espionage intelligence agent

Fico Score: 652

Conclusion of Dorian’s signature loan

In the end, Dorian was able to find a signature loan for $32000 with an interest rate of 11.5% interest APR from Pacific Commerce Bank in Los Angeles, California repayable over 2 years from now.

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.