$120000 Direct Loan – Anaheim California, Credit Rating Of 457
- Experian: 468 – They had a bad Experian rating
- Transunion: 445 – Joan had a bad credit score with Transunion.
- Equifax: Joan’s Experian score was 457, which is a bad credit score using the Experian scale.
6 Months in the Past, Joan Tried 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 safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Joan. Joan chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Borrowers with credit scores as low as 526 can apply for a high risk loan and possibly can be accepted.
Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans vary from $39,000.00 to $44,000.00. They are mainly used to pay off existing high interest loans like credit cards. Joan required a debt consolidation loan to pay for their existing direct loan and their credit card. Joan was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your bad, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 3.8%.
Fast Loans for Joan in Anaheim, California to prevent bankruptcy or harm from debt collectors.
Fast loans in Anaheim, California aren’t actually that difficult to obtain, especially if you have some gumption like Joan. Joan was able to find a fast loan for $120000 from The First National Bank of Holtville and Santa Monica Bank, but declined both offers in favor of their direct loan from Bank of Anaheim, National Association. 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 6 weeks for debt consolidation loans. A big improvement in the case that a borrower is in a time sensitive situation.
Joan has a very low current total income, but has a high number of prospects
Joan has always wanted to be a photographic equipment mechanic, but would need attend Jefferson College of Health Sciences again to achieve it. Joan has other possibilities as well, including animal breeder, subway and streetcar conductor, and exhibit artist, which pay $50,000 through to $97,000 per year, on average. For this reason, we believe that Joan can pay for this direct loan of $120000.
Signature Loan acquired in Anaheim, California for $120000 with bad credit by Joan
Most clients have difficulty with obtaining signature loans in Anaheim, California, and Joan is no different. Joan went to 8 lenders or more prior to finding Bank of Anaheim, National Association, who offered Joan a signature loan for $120000. Most signature loans simply need a client, like Joan’s signature to get them, up to $45,000 in some cases. Joan was able to get $120000 as a direct loan, which is very high for a direct loan. Because signature loans do not require collateral, these loans tend to require improved credit, as high as 794
Personal Loan for a police artist named Joan in Anaheim, California to Pay Off Bangor Savings Bank Visa Business Card
Joan had a lot of credit card debt on their Apple Bank for Savings and their U.S. Pride BankAmericard Cash Rewards Visa Card, and they were starting to get in over their heads. Despite Joan’s job as a police artist, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Previous requests on Joan’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$112400.00||9||11.6%||$1681.45||Santa Monica Bank||August 9, 2010|
|$112420.00||3||7.2%||$3481.49||Farmers and Merchants Bank of Long Beach||January 14, 2012|
|$111550.00||11||7.7%||$1255.45||First Interstate Bank of California||May 10, 2014|
|$111760.00||3||10.6%||$3637.75||Union Bank||January 30, 2015|
Multiple previous requests for credit have been made by Joan in the past, including one from Western Ohio National Bank & Trust Company in Anaheim, California before Joan was accepted for the $120000 by Bank of Anaheim, National Association
Joan made 6 previous tries to obtain a direct loan, 2 of which were with Western Ohio National Bank & Trust Company, a lending institution in Anaheim, California known to specialize in direct loans specifically. Prior to finding Bank of Anaheim, National Association, Joan was concerned due to their inexperience and bad credit score.
- Full name (Changed if requested): Joan Mccrystal
- Current Credit: loans.hit.utils.Fico@49c2faae
- Current City: Anaheim
- State: California
- Zip code: 92810
- Yearly income: $42,000
- Current Job: police artist
- Current County: Orange
- Goal Yearly Income: $139,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Contact Details for Bank of Anaheim, National Association, the provider of this direct loan
- Bank of Anaheim, National Association
- City: Anaheim
- State: California
- Address: 1201 South Anaheim Boulevard
- County: Orange
- Zip code: 92803
Joan was not approved by Citizens State Bank of Santa Paula 4 times before being accepted by Bank of Anaheim, National Association at 1201 South Anaheim Boulevard
On June 16, 2009, Joan inquired about borrowing $2,000 from Mechanics Bank with Vannessa, their in law from just outside Anaheim, and even with the co-signer, Joan was rejected for this direct loan. With bad credit, it can be very hard to procure financing, even with collateral and a co-signer.
When Joan was 21, they tried to obtain a student loan from 7 different banks, which harmed their credit score. Below is a list of Joan’s prior attempts at finding a student loan:
- Attempt 1) Loan for $23,000.00 on October 23, 2011
- Attempt 2) Loan for $34,000.00 on October 4, 2010
- Attempt 3) Loan for $31,000.00 on August 22, 2010
- Attempt 4) Loan for $29,000.00 on March 11, 2012
- Attempt 5) Loan for $23,000.00 on July 9, 2013
- Attempt 6) Loan for $38,000.00 on May 2, 2010
- Attempt 7) Loan for $36,000.00 on December 30, 2008
Joan’s Overall FICO score at the time of acceptance for a direct loan, taking into account their police artist job and their future job as a photographic equipment mechanic
Joan’s Transunion score was altered by the direct loan loan, changing to 445 from 457, which is normal in our experience.
Paraphrased and Standardized Quote from Joan for this direct loan of $120000, provided by Bank of Anaheim, National Association
Hello, I am Joan and my hometown is Anaheim in California. Orange, county is where I grew up, and now I need a direct loan in California for $120000 to buy a big ticket item. It wasn’t easy, but Bank of Anaheim, National Association really came through for me with this loan for 5.4% interest APR and a term of 4 years. I can repay the loan over the 4 year term, including interest. A big thanks to Bank of Anaheim, National Association for trusting me and my bad credit. It look me 8 years to create my credit to 457, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.
Installment loan for Joan, a graduate of Jefferson College of Health Sciences and a police artist working for over $70,000 per year
Joan, an alumnus at Jefferson College of Health Sciences and a police artist in Anaheim, California needs a direct loan to purchase a house. Joan has instead decided to obtain an installment loan for $17,000 and is currently seeking lenders like The First National Bank of Orange County to process their request.
Before applying for this direct loan, Joan had an Experian score of 468, which is bad, so Bank of Anaheim, National Association most likely cannot provide Joan a direct loan
Conclusion of Joan’s direct loan
In the end, Joan was able to find a direct loan for $120000 with an interest rate of 9.7% interest APR from Bank of Anaheim, National Association in Anaheim, California repayable over 4 years from today.