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$72000 Personal Loan With Bad Credit In Novato California

$72000 Personal Loan – Novato California, Credit Rating Of 415

  • Experian: 430 – They had a bad Experian rating
  • Transunion: 403 – Chadwick had a bad credit rating with Transunion.
  • Equifax: Chadwick’s Experian score was 415, which is a bad credit score using the Experian system.

Personal Loan for a personnel recruiter named Chadwick in Novato, California to Pay Off Wells Fargo Rewards Visa Card

Chadwick had a tonne of credit card debt on their Asiana Visa Business Card and their AirBP Sterling Card, and they were starting to get in over their heads. Despite Chadwick’s job as a personnel recruiter, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

9 Months Ago, Chadwick Attempted Finding a High Risk Loan for $25,000.00, and it was Easy

There is an ongoing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Chadwick. Chadwick decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Borrowers with credit ratings as low as 512 can inquire for a high risk loan and may be be accepted.

Before applying for this personal loan, Chadwick had an Experian score of 430, which is bad, so Circle Bank most likely cannot provide Chadwick a personal loan

Experian Score: 430

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $34,000.00 to $56,000.00. They are typically used to pay off existing high interest loans like credit cards. Chadwick required a debt consolidation loan to pay for their existing personal loan and their loan shark loan. Chadwick was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.8%.

Multiple previous requests for credit have been made by Chadwick in the past, including one from Mountain Parks Bank-East in Novato, California before Chadwick was accepted for the $72000 by Circle Bank

Chadwick made 4 previous tries to obtain a personal loan, 2 of which were with Mountain Parks Bank-East, a bank in Novato, California known to specialize in personal loans specifically. Prior to finding Circle Bank, Chadwick was very concerned due to their inexperience and bad credit rating.

Contact Details for Circle Bank, the provider of this personal loan

  • Circle Bank
  • City: Novato
  • State: California
  • Address: 1400 Grant Avenue
  • County: Marin
  • Zip code: 94945

Chadwick has a sad current gross income, but has several of prospects

Chadwick has always wanted to be a parking enforcement officer, but would need attend Lewis-Clark State College again to become one. Chadwick has other possibilities as well, including library technician, social work professor, and electromechanical equipment assembler, which pay $56,000 through to $109,000 per year, on average. Because of this, we think that Chadwick can afford this personal loan of $72000.

Chadwick’s Overall FICO score at the time of acceptance for a personal loan, taking into account their personnel recruiter job and their future job as a parking enforcement officer

Fico Score: 415

Signature Loan acquired in Novato, California for $72000 with bad credit by Chadwick

Most prospective borrowers have difficulty with finding signature loans in Novato, California, and Chadwick is not an exception. Chadwick went to 8 lending institutions or more prior to finding Circle Bank, who offered Chadwick a signature loan for $72000. Typical signature loans simply require a client, like Chadwick’s signature to get them, up to $45,000 in some cases. Chadwick was able to get $72000 as a personal loan, which is very high for a personal loan. Because signature loans do not need a cosigner, these loans tend to require improved credit, as high as 783

Fast Loans for Chadwick in Novato, California to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Novato, California aren’t actually that difficult to obtain, particularly if you have some finesse like Chadwick. Chadwick was able to find a fast loan for $72000 from San Diego Trust & Savings Bank and Security Pacific National Bank, but declined both offers in favor of their personal loan from Circle Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big improvement in the case that a borrower is in a pinch.

Installment loan for Chadwick, a graduate of Lewis-Clark State College and a personnel recruiter working for over $60,000 per year

Chadwick, an alumnus at Lewis-Clark State College and a personnel recruiter in Novato, California needs a personal loan to purchase a new cell phone. Chadwick has instead decided to obtain an installment loan for $6,000 and is at present seeking lenders like Westamerica Bank to process their request.

Paraphrased and Standardized Quote from Chadwick for this personal loan of $72000, provided by Circle Bank

Hi, I am Chadwick and I’m from Novato in California. Marin, county is where I grew up, and now I need a personal loan in California for $72000 to avoid bankruptcy. It has been difficult, but Circle Bank really came through for me with this loan for 6.2% interest APR and a term of 16 years. I can probably repay the loan over the 16 year term, including interest. A big thanks to Circle Bank for giving me a chance and my bad credit. It look me 8 years to build my credit to 415, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

Chadwick was not approved by Pacific Western Bank 5 times before being accepted by Circle Bank at 1400 Grant Avenue

On August 18, 2009, Chadwick applied about borrowing $9,000 from Santa Ynez Valley Bank with Cammie, their friend from just outside Novato, and even with the co-signer, Chadwick was rejected for this personal loan. With bad credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Client Profile: Chadwick Pasinski of Novato, California
  • Full name (Changed if requested): Chadwick Pasinski
  • Current Credit: loans.hit.utils.Fico@5c0369c4
  • Current City: Novato
  • State: California
  • Zip code: 94951
  • Yearly income: $64,000
  • Current Job: personnel recruiter
  • Current County: Marin
  • Goal Yearly Income: $89,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

When Chadwick was 20, they attempted to obtain a student loan from 7 alternate lenders, which harmed their credit score. Below is a chronology of Chadwick’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on June 19, 2010
  • Attempt 2) Loan for $37,000.00 on February 16, 2010
  • Attempt 3) Loan for $26,000.00 on October 23, 2010
  • Attempt 4) Loan for $38,000.00 on February 18, 2012
  • Attempt 5) Loan for $30,000.00 on May 10, 2011
  • Attempt 6) Loan for $34,000.00 on February 11, 2012
  • Attempt 7) Loan for $32,000.00 on March 20, 2011

Previous requests on Chadwick’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$19610.00 11 8.4% $228.1 Santa Monica Bank June 13, 2009
$20290.00 3 7.6% $632.08 Farmers and Merchants Bank of Long Beach February 23, 2010
$20300.00 9 8.5% $269.57 First Interstate Bank of California January 6, 2012
$20420.00 11 6.4% $215.88 Union Bank July 5, 2012
$19780.00 6 10.6% $372.45 Citizens Commercial Trust and Savings Bank of Pasadena March 18, 2013

Chadwick’s Transunion score was changed by the personal loan loan, changing to 403 from 415, which is typical in our experience.

Transunion Score: 403

Conclusion of Chadwick’s personal loan

In the end, Chadwick was able to find a personal loan for $72000 with an interest rate of 5.2% interest APR from Circle Bank in Novato, California repayable over 16 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.