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$30000 Unsecured Loan In Sacramento California With Credit Score 772 For Trevor

$30000 Unsecured Loan – Sacramento California, Credit Score Of 772

  • Experian: 783 – They had an excellent Experian rating
  • Transunion: 758 – Trevor had an excellent credit score with Transunion.
  • Equifax: Trevor’s Experian score was 772, which is an excellent credit score with the Experian scale.

Multiple other requests for credit have been made by Trevor in the past, including one from Riverview Community Bank in Sacramento, California before Trevor was accepted for the $30000 by River City Bank

Trevor made 9 prior attempts to obtain an unsecured loan, 2 of which were with Riverview Community Bank, a bank in Sacramento, California known to specialize in unsecured loans specifically. Prior to finding River City Bank, Trevor was concerned due to their inexperience and excellent credit rating.

When Trevor was 22, they tried to obtain a student loan from 4 alternate lenders, which harmed their credit score. Below is a chronology of Trevor’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on December 6, 2008
  • Attempt 2) Loan for $36,000.00 on August 23, 2012
  • Attempt 3) Loan for $38,000.00 on April 4, 2011
  • Attempt 4) Loan for $27,000.00 on December 27, 2010

Installment loan for Trevor, a graduate of Anna Maria College and a home entertainment system installer working for over $77,000 per year

Trevor, an alumnus at Anna Maria College and a home entertainment system installer in Sacramento, California wants an unsecured loan to purchase something frivolous. Trevor has instead decided to obtain an installment loan for $18,000 and is currently seeking lenders like Westamerica Bank to process their request.

Paraphrased and Standardized Quote from Trevor for this unsecured loan of $30000, provided by River City Bank

Hello, I am Trevor and I am from Sacramento in California. Sacramento, county is where I grew up, and now I need a unsecured loan in California for $30000 to avoid bankruptcy. It wasn’t easy, but River City Bank really came through for me with this loan for 10.3% interest APR and a term of 2 years. I can repay the loan over the 2 year term, including interest. A big thanks to River City Bank for giving me a chance and my excellent credit. It look me 7 years to create my credit to 772, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Trevor’s Transunion score was changed by the unsecured loan loan, changing to 758 from 772, which is normal in our experience.

Transunion Score: 758

6 Months in the Past, Trevor Attempted Finding a High Risk Loan for $42,000.00, and it was Hard

There is an well known struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Trevor. Trevor decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Clients with credit ratings as low as 379 can inquire for a high risk loan and may be be accepted.

Signature Loan easily acquired in Sacramento, California for $30000 with excellent credit by Trevor

Many clients have difficulty with obtaining signature loans in Sacramento, California, and Trevor is not an exception. Trevor went to 4 lending institutions or more before settling on River City Bank, who offered Trevor a signature loan for $30000. Typical signature loans simply need a client, like Trevor’s signature to get them, up to $29,000 in some cases. Trevor was able to get $30000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t require a cosigner, these loans tend to require better credit, as high as 711

Before applying for this unsecured loan, Trevor had an Experian score of 783, which is excellent, so River City Bank most likely can provide Trevor an unsecured loan

Experian Score: 783

Trevor was declined by Mechanics Bank 5 times before being approved by River City Bank at 2485 Natomas Park Drive

On January 18, 2010, Trevor applied about borrowing $3,000 from The First National Bank of Orange County with Reta, their friend from just outside Sacramento, and even with the co-signer, Trevor was rejected for this unsecured loan. With excellent credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Trevor has a sad current total income, but has a high number of prospects

Trevor has always wanted to be a petroleum refinery operator, but would have to attend Anna Maria College again to become one. Trevor has other possibilities as well, including building maintenance mechanic, subway and streetcar conductor, and environmental science technician, which pay $53,000 through to $93,000 per year, on average. For this reason, we believe that Trevor can afford this unsecured loan of $30000.

Contact Details for River City Bank, the provider of this unsecured loan

  • River City Bank
  • City: Sacramento
  • State: California
  • Address: 2485 Natomas Park Drive
  • County: Sacramento
  • Zip code: 95833

Personal Loan for a home entertainment system installer named Trevor in Sacramento, California to Pay Off BankAmericard Basic Visa Card

Trevor had a lot of credit card debt on their Carnival FunPoints-The Carnival World MasterCard and their Nordstrom Credit Card, and they were starting to get in over their heads. Despite Trevor’s job as a home entertainment system installer, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Trevor’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$102640.00 8 9.3% $1519.72 Santa Monica Bank September 13, 2012
$102690.00 4 9.3% $2570.1 Farmers and Merchants Bank of Long Beach August 12, 2014
$102790.00 10 7.6% $1225.51 First Interstate Bank of California August 30, 2014
$103160.00 8 8.8% $1500.63 Union Bank June 5, 2015

Trevor’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their home entertainment system installer job and their future career as a petroleum refinery operator

Fico Score: 772

Fast Loans for Trevor in Sacramento, California to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Sacramento, California aren’t actually that difficult to obtain, especially if you have some finesse like Trevor. Trevor was able to find a fast loan for $30000 from Santa Monica Bank and United States National Bank, but turned down both offers in favor of their unsecured loan from River City Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big improvement if you are on the go.

Client Profile: Trevor Cluckey of Sacramento, California
  • Full name (Changed if requested): Trevor Cluckey
  • Current Credit: loans.hit.utils.Fico@5f5a92bb
  • Current City: Sacramento
  • State: California
  • Zip code: 95835
  • Yearly income: $50,000
  • Current Job: home entertainment system installer
  • Current County: Sacramento
  • Goal Yearly Income: $94,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

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

Normal debt consolidation loans vary from $37,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Trevor required a debt consolidation loan to pay for their existing unsecured loan and their credit card. Trevor was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.7%.

Conclusion of Trevor’s unsecured loan

In the end, Trevor was able to find an unsecured loan for $30000 with an interest rate of 9.6% interest APR from River City Bank in Sacramento, 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.