$18000 Emergency Loan – Los Angeles California, Credit Score Of 661
- Experian: 671 – The client had a good Experian rating
- Transunion: 648 – Sherita had a good credit score with Transunion.
- Equifax: Sherita’s Experian score was 661, which is a good credit rating with the Experian scale.
Personal Loan for a golf course superintendent named Sherita in Los Angeles, California to Pay Off Lawyers Without Borders Visa Platinum Rewards Card
Sherita had a lot of credit card debt on their Bank of Akron Visa Business and their TJ Maxx Credit Card, and they were starting to get in over their heads. Despite Sherita’s job as a golf course superintendent, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Installment loan for Sherita, a graduate of SAE Institute and a golf course superintendent working for over $66,000 per year
Sherita, an alumnus at SAE Institute and a golf course superintendent in Los Angeles, California needs an emergency loan to purchase a house. Sherita has instead chosen to get an installment loan for $6,000 and is currently seeking lenders like First Interstate Bank of California to provide it.
Paraphrased and Standardized Quote from Sherita for this emergency loan of $18000, provided by Wilshire Federal Savings and Loan Association
Hi, I am Sherita and I’m from Los Angeles in California. Los Angeles, county is where I grew up, and now I need a emergency loan in California for $18000 to buy a car. It wasn’t easy, but Wilshire Federal Savings and Loan Association really came through for me with this loan for 5.1% interest APR and a term of 4 years. I can repay the loan over the 4 year term, including interest. A big thanks to Wilshire Federal Savings and Loan Association for trusting me and my good credit. It look me 5 years to build my credit to 661, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.
Previous requests on Sherita’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $35230.00 | 11 | 8.1% | $404.07 | Santa Monica Bank | May 6, 2010 |
| $34690.00 | 8 | 9.5% | $517.26 | Farmers and Merchants Bank of Long Beach | October 26, 2013 |
| $34850.00 | 4 | 10.5% | $892.28 | First Interstate Bank of California | February 6, 2015 |
| $35490.00 | 6 | 10.5% | $666.47 | Union Bank | June 27, 2015 |
Sherita’s Transunion score was altered by the emergency loan loan, changing to 648 from 661, which is normal in our experience.
Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans range from $38,000.00 to $59,000.00. They are mainly used to pay off existing high interest loans like credit cards. Sherita needed a debt consolidation loan to pay for their existing emergency loan and their payday loan. Sherita was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.8%.
Multiple past requests for credit have been made by Sherita in the past, including one from First Federal Savings and Loan Association in Los Angeles, California before Sherita was approved for the $18000 by Wilshire Federal Savings and Loan Association
Sherita made 6 prior attempts to obtain an emergency loan, 2 of which were with First Federal Savings and Loan Association, a lender in Los Angeles, California known to specialize in emergency loans specifically. Before finding Wilshire Federal Savings and Loan Association, Sherita was concerned due to their inexperience and good credit score.
Fast Loans for Sherita in Los Angeles, California to prevent bankruptcy or harm from debt collectors.
Fast loans in Los Angeles, California aren’t actually that difficult to obtain, particularly if you have some finesse like Sherita. Sherita was able to find a fast loan for $18000 from Bank of Sonoma County and Mechanics Bank, but declined both offers in favor of their emergency loan from Wilshire Federal Savings and Loan Association. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better in the case that a client is in a pinch.
Contact Details for Wilshire Federal Savings and Loan Association, the provider of this emergency loan
- Wilshire Federal Savings and Loan Association
- City: Los Angeles
- State: California
- Address: 11377 West Olympic Boulevard
- County: Los Angeles
- Zip code: 90064
- Full name (Changed if requested): Sherita Maxton
- Current Credit: loans.hit.utils.Fico@5c8da962
- Current City: Los Angeles
- State: California
- Zip code: 90065
- Yearly income: $53,000
- Current Job: golf course superintendent
- Current County: Los Angeles
- Goal Yearly Income: $110,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Before applying for this emergency loan, Sherita had an Experian score of 671, which is good, so Wilshire Federal Savings and Loan Association likely cannot provide Sherita an emergency loan
Signature Loan easily acquired in Los Angeles, California for $18000 with good credit by Sherita
A lot of clients struggle with obtaining signature loans in Los Angeles, California, and Sherita is no exception. Sherita went to 8 lending institutions or more before finding Wilshire Federal Savings and Loan Association, who offered Sherita a signature loan for $18000. Most signature loans simply require a client, like Sherita’s signature to obtain them, up to $40,000 in some cases. Sherita was able to get $18000 as a emergency loan, which is very high for an emergency loan. Because signature loans do not need a cosigner, they generally require higher credit, as high as 798
When Sherita was 22, they attempted to obtain a student loan from 6 alternate banks, which damaged their credit rating. Below is a chronology of Sherita’s previous attempts at finding a student loan:
- Attempt 1) Loan for $33,000.00 on February 11, 2011
- Attempt 2) Loan for $24,000.00 on October 31, 2009
- Attempt 3) Loan for $26,000.00 on August 3, 2009
- Attempt 4) Loan for $29,000.00 on January 17, 2010
- Attempt 5) Loan for $30,000.00 on October 23, 2010
- Attempt 6) Loan for $23,000.00 on June 22, 2013
Sherita was not approved by Wells Fargo Bank, National Association 5 times prior to being accepted by Wilshire Federal Savings and Loan Association at 11377 West Olympic Boulevard
On September 7, 2012, Sherita applied about borrowing $18,000 from Southern California First National Bank with Shay, their in law from just outside Los Angeles, and even with the co-signer, Sherita was rejected for this emergency loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.
Sherita has a sad current gross income, but has a high number of prospects
Sherita has always wanted to be a tax accountant, but would have to attend SAE Institute again to achieve it. Sherita has other possibilities as well, including city planning aide, casting director, and industrial designer, which pay $50,000 through to $98,000 per year, at least. Because of this, we believe that Sherita can pay for this emergency loan of $18000.
7 Months in the Past, Sherita Attempted Finding a High Risk Loan for $36,000.00, and it was Easy
There is an well known struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Sherita. Sherita chose not to obtain a high risk loan this time. High Risk loans are given to very low credit individuals. Borrowers with credit ratings as low as 399 can inquire for a high risk loan and may be be approved.
Sherita’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their golf course superintendent job and their future career as a tax accountant
Conclusion of Sherita’s emergency loan
In the end, Sherita was able to find an emergency loan for $18000 with an interest rate of 9.2% interest APR from Wilshire Federal Savings and Loan Association in Los Angeles, California repayable over 4 years from today.
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