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$32000 Private Loan In Santa Rosa California With Credit Score 629 For Fidela

$32000 Private Loan – Santa Rosa California, Credit Score Of 629

  • Experian: 641 – This individual had a good Experian rating
  • Transunion: 616 – Fidela had a good credit score with Transunion.
  • Equifax: Fidela’s Experian score was 629, which is a good credit rating with the Experian system.

Fidela’s Transunion score was changed by the private loan loan, changing to 616 from 629, which is typical in our experience.

Transunion Score: 616

Fidela’s Overall FICO score at the time of acceptance for a private loan, taking into account their insulation installer job and their future career as a veterinarian technician

Fico Score: 629

Before applying for this private loan, Fidela had an Experian score of 641, which is good, so Bank of Sonoma County probably cannot provide Fidela a private loan

Experian Score: 641

Paraphrased and Standardized Quote from Fidela for this private loan of $32000, provided by Bank of Sonoma County

Hello, I am Fidela and I am from Santa Rosa in California. Sonoma, county is where I grew up, and now I need a private loan in California for $32000 to avoid bankruptcy. It has been difficult, but Bank of Sonoma County really came through for me with this loan for 9.3% interest APR and a term of 9 years. I will repay the loan over the 9 year term, including interest. A big thanks to Bank of Sonoma County for trusting me and my good credit. It look me 7 years to build my credit to 629, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

Many other requests for credit have been made by Fidela in the past, including one from Trustco Bank, National Association in Santa Rosa, California before Fidela was approved for the $32000 by Bank of Sonoma County

Fidela made 5 prior attempts to obtain a private loan, 2 of which were with Trustco Bank, National Association, a lending institution in Santa Rosa, California known to specialize in private loans specifically. Prior to finding Bank of Sonoma County, Fidela was very concerned due to their inexperience and good credit rating.

Fast Loans for Fidela in Santa Rosa, California to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Santa Rosa, California aren’t actually that difficult to obtain, particularly if you have some gumption like Fidela. Fidela was able to find a fast loan for $32000 from Central Bank and Santa Monica Bank, but declined both offers in favor of their private loan from Bank of Sonoma County. 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 7 weeks for installment loans. A big difference if a borrower is on the go.

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $28,000.00 to $59,000.00. They are typically used to pay off existing high interest loans like credit cards. Fidela required a debt consolidation loan to pay for their existing private loan and their payday loan. Fidela was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.0%.

Previous requests on Fidela’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$19450.00 5 6.2% $377.83 Santa Monica Bank February 16, 2010
$18630.00 4 8.5% $459.2 Farmers and Merchants Bank of Long Beach May 18, 2013
$18650.00 8 8.3% $266.5 First Interstate Bank of California July 19, 2013
$19120.00 11 6.1% $199.19 Union Bank October 14, 2014
$19480.00 4 5.3% $451.26 Citizens Commercial Trust and Savings Bank of Pasadena December 15, 2014

Signature Loan easily acquired in Santa Rosa, California for $32000 with good credit by Fidela

Many borrowers struggle with obtaining signature loans in Santa Rosa, California, and Fidela is the same. Fidela went to 7 lenders or more prior to settling on Bank of Sonoma County, who offered Fidela a signature loan for $32000. Typical signature loans simply require a client, like Fidela’s signature to obtain them, up to $25,000 in some cases. Fidela was able to get $32000 as a private loan, which is very high for a private loan. Because signature loans don’t require a cosigner, they tend to need improved credit, as high as 700

Fidela has a disappointing current gross income, but has a large amount of prospects

Fidela has always wanted to be a veterinarian technician, but would need attend Central Piedmont Community College again to achieve it. Fidela has other possibilities as well, including mining engineer, police officer, and community health nurse, which pay $55,000 through to $93,000 per year, at least. For this reason, we believe that Fidela can afford this private loan of $32000.

When Fidela was 20, they attempted to obtain a student loan from 6 different lenders, which damaged their credit score. Below is a list of Fidela’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on August 24, 2009
  • Attempt 2) Loan for $22,000.00 on November 19, 2011
  • Attempt 3) Loan for $25,000.00 on December 27, 2012
  • Attempt 4) Loan for $24,000.00 on January 9, 2010
  • Attempt 5) Loan for $30,000.00 on December 3, 2011
  • Attempt 6) Loan for $20,000.00 on October 31, 2008

Contact Details for Bank of Sonoma County, the provider of this private loan

  • Bank of Sonoma County
  • City: Santa Rosa
  • State: California
  • Address: 655 First Street
  • County: Sonoma
  • Zip code: 95402

Fidela was declined by Capital Bank 5 times prior to being accepted by Bank of Sonoma County at 655 First Street

On July 8, 2012, Fidela inquired about borrowing $37,000 from San Diego Trust & Savings Bank with Corrine, their in law from just outside Santa Rosa, and even with the co-signer, Fidela was rejected for this private loan. With good credit, it can be very hard to procure funding, even with collateral and a co-signer.

Installment loan for Fidela, a graduate of Central Piedmont Community College and an insulation installer working for over $60,000 per year

Fidela, an alumnus at Central Piedmont Community College and an insulation installer in Santa Rosa, California needs a private loan to purchase a car. Fidela has instead decided to obtain an installment loan for $17,000 and is currently seeking lenders like Bank of Stockton to process their request.

8 Months Ago, Fidela Attempted to Find a High Risk Loan for $20,000.00, and it was Hard

It is an well known struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Fidela. Fidela decided not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Borrowers with credit scores as low as 351 can apply for a high risk loan and possibly can be approved.

Client Profile: Fidela Hyer of Santa Rosa, California
  • Full name (Changed if requested): Fidela Hyer
  • Current Credit: loans.hit.utils.Fico@cc34f4d
  • Current City: Santa Rosa
  • State: California
  • Zip code: 95403
  • Yearly income: $53,000
  • Current Job: insulation installer
  • Current County: Sonoma
  • Goal Yearly Income: $101,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Personal Loan for an insulation installer named Fidela in Santa Rosa, California to Pay Off Old Navy Credit Card

Fidela had a tonne of credit card debt on their Alaska Airlines Visa Signature Card and their US Bank Secured Visa Card, and they were starting to get in over their heads. Despite Fidela’s job as an insulation installer, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Conclusion of Fidela’s private loan

In the end, Fidela was able to find a private loan for $32000 with an interest rate of 7.1% interest APR from Bank of Sonoma County in Santa Rosa, California repayable over 9 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.