$120000 Personal Loan – Laguna Hills California, Credit Rating Of 463
- Experian: 473 – The client had a bad Experian score
- Transunion: 445 – Harmony had a bad credit score with Transunion.
- Equifax: Harmony’s Experian score was 463, which is a bad credit score on the Experian system.
Paraphrased and Standardized Quote from Harmony for this personal loan of $120000, provided by Saddleback National Bank
Hi, I am Harmony and I’m from Laguna Hills in California. Orange, county is where I grew up, and now I need a personal loan in California for $120000 to renovate my home. It wasn’t easy, but Saddleback National Bank really came through for me with this loan for 5.1% interest APR and a term of 6 years. I can probably repay the loan over the 6 year term, including interest. A big thanks to Saddleback National Bank for giving me a chance and my bad credit. It look me 6 years to build my credit to 463, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.
Previous requests on Harmony’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$32670.00||5||11.3%||$715.22||Santa Monica Bank||March 17, 2011|
|$33240.00||5||7.4%||$664.48||Farmers and Merchants Bank of Long Beach||December 20, 2013|
|$32680.00||8||7.4%||$452.08||First Interstate Bank of California||January 24, 2014|
|$32560.00||3||9.6%||$1044.52||Union Bank||March 19, 2015|
Harmony was rejected by Beverly Hills National Bank 7 times before being granted funding by Saddleback National Bank at 24401 Calle De La Louisa
On June 9, 2012, Harmony applied about borrowing $7,000 from Bank of Alex Brown with Hannelore, their in law from just outside Laguna Hills, and even with the co-signer, Harmony was rejected for this personal loan. With bad credit, it can be challenging to procure funding, even with collateral and a co-signer.
Signature Loan found in Laguna Hills, California for $120000 with bad credit by Harmony
Most clients have difficulty with finding signature loans in Laguna Hills, California, and Harmony is not an exception. Harmony went to 7 lending institutions or more before settling on Saddleback National Bank, who offered Harmony a signature loan for $120000. Typical signature loans simply need a client, like Harmony’s signature to obtain them, up to $29,000 in some cases. Harmony was able to get $120000 as a personal loan, which is very high for a personal loan. Since signature loans don’t need collateral, they generally require better credit, as high as 791
Harmony has a disappointing current yearly income, but has several of prospects
Harmony has always wanted to be an ophthalmologist, but would need attend Washburn University of Topeka again to achieve it. Harmony has other possibilities as well, including industrial therapist, stress analyst engineer, and child care worker, which pay $56,000 through to $94,000 per year, at least. For this reason, we think that Harmony can afford this personal loan of $120000.
Fast Loans for Harmony in Laguna Hills, California to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Laguna Hills, California aren’t actually that difficult to obtain, particularly if you have some gumption like Harmony. Harmony was able to find a fast loan for $120000 from Community First National Bank and Union Bank, but turned down both offers in favor of their personal loan from Saddleback National Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. An improvement in the case that you are in a pinch.
Several past requests for credit have been made by Harmony in the past, including one from American Community Bank in Laguna Hills, California before Harmony was approved for the $120000 by Saddleback National Bank
Harmony made 8 prior attempts to obtain a personal loan, 2 of which were with American Community Bank, a lending institution in Laguna Hills, California known to specialize in personal loans specifically. Prior to finding Saddleback National Bank, Harmony was very concerned due to their inexperience and bad credit score.
Installment loan for Harmony, a graduate of Washburn University of Topeka and a sanitary engineer working for over $74,000 per year
Harmony, an alumnus at Washburn University of Topeka and a sanitary engineer in Laguna Hills, California needs a personal loan to purchase a house. Harmony has instead chosen to get an installment loan for $4,000 and is currently seeking lenders like Security Pacific National Bank to process their request.
- Full name (Changed if requested): Harmony Biddle
- Current Credit: loans.hit.utils.Fico@46fbb2c1
- Current City: Laguna Hills
- State: California
- Zip code: 92658
- Yearly income: $55,000
- Current Job: sanitary engineer
- Current County: Orange
- Goal Yearly Income: $96,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Before applying for this personal loan, Harmony had an Experian score of 473, which is bad, so Saddleback National Bank most likely cannot provide Harmony a personal loan
Harmony’s Overall FICO score at the time of acceptance for a personal loan, taking into account their sanitary engineer job and their future job as an ophthalmologist
Harmony’s Transunion score was changed by the personal loan loan, changing to 445 from 463, which is normal in our experience.
Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans range from $31,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Harmony needed a debt consolidation loan to pay for their existing personal loan and their payday loan. Harmony was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your dirty, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 3.0%.
Contact Details for Saddleback National Bank, the provider of this personal loan
- Saddleback National Bank
- City: Laguna Hills
- State: California
- Address: 24401 Calle De La Louisa
- County: Orange
- Zip code: 92653
7 Months Ago, Harmony Tried Finding a High Risk Loan for $28,000.00, and it was Hard
It is an existing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Harmony. Harmony chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Individuals with credit scores as low as 379 can apply for a high risk loan and may be be approved.
When Harmony was 22, they tried to obtain a student loan from 7 different banks, which damaged their credit score. Below is a chronology of Harmony’s prior attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on July 11, 2009
- Attempt 2) Loan for $25,000.00 on February 4, 2009
- Attempt 3) Loan for $36,000.00 on February 23, 2014
- Attempt 4) Loan for $21,000.00 on December 9, 2011
- Attempt 5) Loan for $21,000.00 on January 22, 2010
- Attempt 6) Loan for $29,000.00 on June 21, 2009
- Attempt 7) Loan for $25,000.00 on June 24, 2012
Personal Loan for a sanitary engineer named Harmony in Laguna Hills, California to Pay Off US Squash Rewards Visa
Harmony had a tonne of credit card debt on their Tompkins Trust Secured Visa Card and their Korean Air SkyBlue SKYPASS Visa Card, and they were starting to get in over their heads. Despite Harmony’s job as a sanitary engineer, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Conclusion of Harmony’s personal loan
In the end, Harmony was able to find a personal loan for $120000 with an interest rate of 8.1% interest APR from Saddleback National Bank in Laguna Hills, California repayable over 6 years from now.