$136000 Signature Loan – Fresno California, Credit Rating Of 799
- Experian: 818 – The client had an excellent Experian rating
- Transunion: 786 – Larissa had an excellent credit rating with Transunion.
- Equifax: Larissa’s Experian score was 799, which is an excellent credit score with the Experian scale.
Many previous requests for credit have been made by Larissa in the past, including one from Bank of Maringouin in Fresno, California before Larissa was approved for the $136000 by Pacifica Federal Savings and Loan Association
Larissa made 4 previous tries to obtain a signature loan, 2 of which were with Bank of Maringouin, a lender in Fresno, California known to specialize in signature loans specifically. Prior to finding Pacifica Federal Savings and Loan Association, Larissa was concerned due to their inexperience and excellent credit rating.
Contact Details for Pacifica Federal Savings and Loan Association, the provider of this signature loan
- Pacifica Federal Savings and Loan Association
- City: Fresno
- State: California
- Address: 2117 Merced St
- County: Fresno
- Zip code: 93721
When Larissa was 18, they tried to obtain a student loan from 4 different lenders, which damaged their credit rating. Below is a list of Larissa’s previous attempts at finding a student loan:
- Attempt 1) Loan for $22,000.00 on January 2, 2009
- Attempt 2) Loan for $25,000.00 on August 20, 2009
- Attempt 3) Loan for $39,000.00 on March 13, 2012
- Attempt 4) Loan for $28,000.00 on November 14, 2008
Larissa was rejected by Farmers and Merchants Bank of Long Beach 5 times prior to being accepted by Pacifica Federal Savings and Loan Association at 2117 Merced St
On May 11, 2010, Larissa inquired about borrowing $42,000 from Farmers & Merchants Bank of Central California with Minda, their friend from just outside Fresno, and even with the co-signer, Larissa was rejected for this signature loan. With excellent credit, it can be challenging to obtain funding, even with collateral and a co-signer.
Larissa’s Overall FICO score at the time of acceptance for a signature loan, taking into account their mechanical engineering technician job and their future job as a craft artist
Larissa’s Transunion score was altered by the signature loan loan, changing to 786 from 799, which is normal in our experience.
Previous requests on Larissa’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$75440.00||11||8.2%||$869.33||Santa Monica Bank||January 1, 2012|
|$75290.00||10||10.7%||$1024.38||Farmers and Merchants Bank of Long Beach||October 29, 2013|
|$75260.00||5||6.2%||$1462.0||First Interstate Bank of California||October 3, 2014|
|$75370.00||6||8.3%||$1332.55||Union Bank||November 20, 2014|
9 Months in the Past, Larissa Attempted Finding a High Risk Loan for $39,000.00, and it was Hard
It is an ongoing 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 scary to borrowers like Larissa. Larissa decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit borrowers. Clients with credit ratings as low as 526 can apply for a high risk loan and possibly can be approved.
Signature Loan easily acquired in Fresno, California for $136000 with excellent credit by Larissa
Many prospective borrowers struggle with finding signature loans in Fresno, California, and Larissa is the same. Larissa went to 7 lenders or more prior to finding Pacifica Federal Savings and Loan Association, who offered Larissa a signature loan for $136000. Typical signature loans simply require a client, like Larissa’s signature to obtain them, up to $45,000 in some cases. Larissa was able to get $136000 as a signature loan, which is very high for a signature loan. Because signature loans don’t require collateral, these loans tend to require higher credit, as high as 795
Installment loan for Larissa, a graduate of Martin University and a mechanical engineering technician working for over $71,000 per year
Larissa, an alumnus at Martin University and a mechanical engineering technician in Fresno, California wants a signature loan to purchase a new cell phone. Larissa has instead decided to get an installment loan for $25,000 and is currently seeking lenders like Farmers & Merchants Bank of Central California to process their request.
Personal Loan for a mechanical engineering technician named Larissa in Fresno, California to Pay Off FirstBank Rewards Visa
Larissa had a tonne of credit card debt on their Justice FCU Blue Knights International VISA Rewards Card and their Synovus Visa Business Platinum Card, and they were starting to get in over their heads. Despite Larissa’s job as a mechanical engineering technician, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Paraphrased and Standardized Quote from Larissa for this signature loan of $136000, provided by Pacifica Federal Savings and Loan Association
Hi, I am Larissa and I am from Fresno in California. Fresno, county is where I grew up, and now I need a signature loan in California for $136000 to pay bills. It has been difficult, but Pacifica Federal Savings and Loan Association really came through for me with this loan for 5.3% interest APR and a term of 1 years. I can repay the loan over the 1 year term, including interest. A big thanks to Pacifica Federal Savings and Loan Association for giving me a chance and my excellent credit. It look me 8 years to create my credit to 799, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.
Larissa has a disappointing current yearly income, but has a large amount of prospects
Larissa has always wanted to be a craft artist, but would have to attend Martin University again to become one. Larissa has other prospects as well, including animal trainer, commercial designer, and clergy member, which pay $52,000 through to $100,000 per year, on average. Because of this, we think that Larissa can pay for this signature loan of $136000.
Fast Loans for Larissa in Fresno, California to prevent bankruptcy or harm from debt collectors.
Fast loans in Fresno, California aren’t actually that difficult to obtain, particularly if you have some gumption like Larissa. Larissa was able to find a fast loan for $136000 from Bank of Alex Brown and San Diego Trust & Savings Bank, but turned down both offers in favor of their signature loan from Pacifica Federal Savings and Loan Association. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big difference if a client is on the go.
- Full name (Changed if requested): Larissa Hele
- Current Credit: loans.hit.utils.Fico@17d10166
- Current City: Fresno
- State: California
- Zip code: 93729
- Yearly income: $60,000
- Current Job: mechanical engineering technician
- Current County: Fresno
- Goal Yearly Income: $136,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Before applying for this signature loan, Larissa had an Experian score of 818, which is excellent, so Pacifica Federal Savings and Loan Association probably cannot provide Larissa a signature loan
Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans vary from $29,000.00 to $47,000.00. They are normally used to pay off existing high interest loans like credit cards. Larissa needed a debt consolidation loan to pay for their existing signature loan and their credit card. Larissa was able to find a signature loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.1%.
Conclusion of Larissa’s signature loan
In the end, Larissa was able to find a signature loan for $136000 with an interest rate of 10.5% interest APR from Pacifica Federal Savings and Loan Association in Fresno, California repayable over 1 years from today.