$184000 Emergency Loan – Huntington Beach California, Credit Score Of 624
- Experian: 641 – This individual had a good Experian rating
- Transunion: 609 – Maris had a good credit score with Transunion.
- Equifax: Maris’s Experian score was 624, which is a good credit score using the Experian scale.
Maris’s Transunion score was changed by the emergency loan loan, changing to 609 from 624, which is typical in our experience.
Several past requests for credit have been made by Maris in the past, including one from The United Banking Company in Huntington Beach, California before Maris was accepted for the $184000 by Guardian Federal Savings Association
Maris made 8 prior attempts to obtain an emergency loan, 2 of which were with The United Banking Company, a bank in Huntington Beach, California known to specialize in emergency loans specifically. Before finding Guardian Federal Savings Association, Maris was concerned due to their inexperience and good credit score.
Maris’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their vocational education teachers job and their future career as a logging tractor operator
Contact Details for Guardian Federal Savings Association, the provider of this emergency loan
- Guardian Federal Savings Association
- City: Huntington Beach
- State: California
- Address: 17011 Beach Boulevard
- County: Orange
- Zip code: 92647
Signature Loan easily acquired in Huntington Beach, California for $184000 with good credit by Maris
A lot of clients struggle with obtaining signature loans in Huntington Beach, California, and Maris is no exception. Maris went to 7 lending institutions or more before settling on Guardian Federal Savings Association, who offered Maris a signature loan for $184000. Typical signature loans simply need a client, like Maris’s signature to get them, up to $49,000 in some cases. Maris was able to get $184000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t require a cosigner, these loans tend to need improved credit, as high as 723
9 Months in the Past, Maris Tried Finding a High Risk Loan for $40,000.00, and it was Easy
It is an ongoing struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Maris. Maris chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Individuals with credit ratings as low as 537 can inquire for a high risk loan and have a chance to be accepted.
- Full name (Changed if requested): Maris Ellsbury
- Current Credit: loans.hit.utils.Fico@694f9431
- Current City: Huntington Beach
- State: California
- Zip code: 92653
- Yearly income: $30,000
- Current Job: vocational education teachers
- Current County: Orange
- Goal Yearly Income: $125,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Maris was declined by Citizens Commercial Trust and Savings Bank of Pasadena 5 times before being approved by Guardian Federal Savings Association at 17011 Beach Boulevard
On March 28, 2012, Maris inquired about borrowing $31,000 from The Merchants National Bank of Sacramento with Shannon, their friend from just outside Huntington Beach, and even with the co-signer, Maris was rejected for this emergency loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.
When Maris was 20, they attempted to obtain a student loan from 5 alternate banks, which harmed their credit score. Below is a chronology of Maris’s prior attempts at finding a student loan:
- Attempt 1) Loan for $37,000.00 on March 11, 2011
- Attempt 2) Loan for $20,000.00 on July 7, 2009
- Attempt 3) Loan for $34,000.00 on October 19, 2011
- Attempt 4) Loan for $33,000.00 on June 1, 2012
- Attempt 5) Loan for $20,000.00 on February 25, 2013
Maris has a very low current yearly income, but has several of prospects
Maris has always wanted to be a logging tractor operator, but would have to attend National Graduate School of Quality Management again to achieve it. Maris has other possibilities as well, including education professor, computer systems engineer, and forest and conservation technician, which pay $50,000 through to $100,000 per year, at least. For this reason, we think that Maris can afford this emergency loan of $184000.
Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans range from $34,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Maris needed a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Maris was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.8%.
Personal Loan for a vocational education teachers named Maris in Huntington Beach, California to Pay Off Slate with Blueprint
Maris had a tonne of credit card debt on their Baylor University Alumni Association Visa and their Bangor Savings Bank Visa Business Bonus Rewards Card, and they were starting to get in over their heads. Despite Maris’s job as a vocational education teachers, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Before applying for this emergency loan, Maris had an Experian score of 641, which is good, so Guardian Federal Savings Association most likely cannot provide Maris an emergency loan
Paraphrased and Standardized Quote from Maris for this emergency loan of $184000, provided by Guardian Federal Savings Association
Hello, I am Maris and I’m from Huntington Beach in California. Orange, county is where I grew up, and now I need a emergency loan in California for $184000 to avoid bankruptcy. It wasn’t easy, but Guardian Federal Savings Association really came through for me with this loan for 9.3% interest APR and a term of 15 years. I can probably repay the loan over the 15 year term, including interest. A big thanks to Guardian Federal Savings Association for giving me a chance and my good credit. It look me 6 years to build my credit to 624, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.
Installment loan for Maris, a graduate of National Graduate School of Quality Management and a vocational education teachers working for over $78,000 per year
Maris, an alumnus at National Graduate School of Quality Management and a vocational education teachers in Huntington Beach, California needs an emergency loan to purchase a car. Maris has instead decided to get an installment loan for $10,000 and is at present seeking lenders like National Bank of Agriculture to process their request.
Fast Loans for Maris in Huntington Beach, California to prevent bankruptcy or harm from debt collectors.
Fast loans in Huntington Beach, California aren’t actually that difficult to obtain, particularly if you have some gumption like Maris. Maris was able to find a fast loan for $184000 from Union Bank and Security Pacific National Bank, but turned down both offers in favor of their emergency loan from Guardian Federal Savings Association. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference in the case that a borrower is in a pinch.
Previous requests on Maris’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$97360.00||5||7.7%||$1960.16||Santa Monica Bank||June 6, 2009|
|$96680.00||11||8.3%||$1119.32||Farmers and Merchants Bank of Long Beach||December 13, 2011|
|$96840.00||9||6.4%||$1181.89||First Interstate Bank of California||March 10, 2013|
|$97110.00||4||11.4%||$2528.76||Union Bank||September 28, 2013|
Conclusion of Maris’s emergency loan
In the end, Maris was able to find an emergency loan for $184000 with an interest rate of 6.0% interest APR from Guardian Federal Savings Association in Huntington Beach, California repayable over 15 years from today.