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Lonny Southgate’s No Collateral Loan For 34000 Dollars In San Rafael California

$34000 No Collateral Loan – San Rafael California, Credit Score Of 379

  • Experian: 394 – They had a terrible Experian rating
  • Transunion: 364 – Lonny had a terrible credit rating with Transunion.
  • Equifax: Lonny’s Experian score was 379, which is a terrible credit score with the Experian scale.

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

Most debt consolidation loans range from $33,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Lonny needed a debt consolidation loan to pay for their existing no collateral loan and their credit card. Lonny was able to find a no collateral loan in the end. Debt consolidation, or just 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 that are low, like 4.6%.

Fast Loans for Lonny in San Rafael, California to prevent bankruptcy or harm from debt collectors.

Fast loans in San Rafael, California aren’t actually that difficult to obtain, particularly if you have some gumption like Lonny. Lonny was able to find a fast loan for $34000 from Beverly Hills National Bank and Bank of Stockton, but turned down both offers in favor of their no collateral loan from Tamalpais Bank. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. Much better if a borrower is in a pinch.

Multiple past requests for credit have been made by Lonny in the past, including one from Marine National Bank in San Rafael, California before Lonny was approved for the $34000 by Tamalpais Bank

Lonny made 8 previous tries to obtain a no collateral loan, 2 of which were with Marine National Bank, a lender in San Rafael, California known to specialize in no collateral loans specifically. Before finding Tamalpais Bank, Lonny was desperate due to their inexperience and terrible credit score.

Contact Details for Tamalpais Bank, the provider of this no collateral loan

  • Tamalpais Bank
  • City: San Rafael
  • State: California
  • Address: 851 Irwin Street, Suite 100
  • County: Marin
  • Zip code: 94901

Lonny was not approved by Santa Monica Bank 4 times prior to being granted funding by Tamalpais Bank at 851 Irwin Street, Suite 100

On January 5, 2010, Lonny inquired about borrowing $3,000 from Santa Ynez Valley Bank with Karissa, their in law from just outside San Rafael, and even with the co-signer, Lonny was rejected for this no collateral loan. With terrible credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Lonny’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their audio-visual collections specialist job and their future career as a restaurant manager

Fico Score: 379

Lonny has a low current total income, but has several of prospects

Lonny has always wanted to be a restaurant manager, but would have to attend The University of Connecticut School of Medicine and Dentistry again to become one. Lonny has other prospects as well, including police and detectives supervisor, pilot, and admiralty lawyer, which pay $54,000 through to $96,000 per year, at least. Because of this, we think that Lonny can afford this no collateral loan of $34000.

Client Profile: Lonny Southgate of San Rafael, California
  • Full name (Changed if requested): Lonny Southgate
  • Current Credit: loans.hit.utils.Fico@1963006a
  • Current City: San Rafael
  • State: California
  • Zip code: 94904
  • Yearly income: $43,000
  • Current Job: audio-visual collections specialist
  • Current County: Marin
  • Goal Yearly Income: $149,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Paraphrased and Standardized Quote from Lonny for this no collateral loan of $34000, provided by Tamalpais Bank

Hi, I am Lonny and I’m from San Rafael in California. Marin, county is where I grew up, and now I need a no collateral loan in California for $34000 to buy a big ticket item. It wasn’t easy, but Tamalpais Bank really came through for me with this loan for 8.2% 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 Tamalpais Bank for giving me a chance and my terrible credit. It look me 8 years to create my credit to 379, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Signature Loan easily acquired in San Rafael, California for $34000 with terrible credit by Lonny

Most prospective borrowers have difficulty with finding signature loans in San Rafael, California, and Lonny is no exception. Lonny went to 7 lenders or more prior to finding Tamalpais Bank, who offered Lonny a signature loan for $34000. Typical signature loans simply need a client, like Lonny’s signature to get them, up to $38,000 in some cases. Lonny was able to get $34000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not require a cosigner, these loans generally need higher credit, as high as 750

Personal Loan for an audio-visual collections specialist named Lonny in San Rafael, California to Pay Off Evans Bank Platinum Edition Visa Card

Lonny had a tonne of credit card debt on their J. Crew Credit Card and their SEFCU Secured MasterCard, and they were starting to get in over their heads. Despite Lonny’s job as an audio-visual collections specialist, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

When Lonny was 23, they attempted to obtain a student loan from 7 different banks, which damaged their credit rating. Below is a chronology of Lonny’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on July 6, 2010
  • Attempt 2) Loan for $22,000.00 on February 9, 2009
  • Attempt 3) Loan for $37,000.00 on July 19, 2012
  • Attempt 4) Loan for $20,000.00 on April 17, 2009
  • Attempt 5) Loan for $25,000.00 on December 28, 2012
  • Attempt 6) Loan for $29,000.00 on January 4, 2009
  • Attempt 7) Loan for $23,000.00 on November 11, 2011

Lonny’s Transunion score was altered by the no collateral loan loan, changing to 364 from 379, which is normal in our experience.

Transunion Score: 364

Before applying for this no collateral loan, Lonny had an Experian score of 394, which is terrible, so Tamalpais Bank probably cannot provide Lonny a no collateral loan

Experian Score: 394

9 Months Ago, Lonny Tried Finding a High Risk Loan for $33,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Lonny. Lonny decided not to obtain 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 410 can inquire for a high risk loan and have a chance to be accepted.

Previous requests on Lonny’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$123330.00 5 7.5% $2471.28 Santa Monica Bank October 29, 2013
$123450.00 3 10.5% $4012.43 Farmers and Merchants Bank of Long Beach February 23, 2014
$122750.00 10 9.4% $1581.64 First Interstate Bank of California April 20, 2015
$122770.00 5 6.8% $2419.43 Union Bank July 28, 2015

Installment loan for Lonny, a graduate of The University of Connecticut School of Medicine and Dentistry and an audio-visual collections specialist working for over $76,000 per year

Lonny, an alumnus at The University of Connecticut School of Medicine and Dentistry and an audio-visual collections specialist in San Rafael, California wants a no collateral loan to purchase a house. Lonny has instead chosen to get an installment loan for $16,000 and is at present seeking lenders like Bank of Alex Brown to provide it.

Conclusion of Lonny’s no collateral loan

In the end, Lonny was able to find a no collateral loan for $34000 with an interest rate of 10.8% interest APR from Tamalpais Bank in San Rafael, California repayable over 6 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.