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13 Month, Variable Interest High Risk Loan For Raisa In California

$82000 High Risk Loan – Rocklin California, Credit Rating Of 694

  • Experian: 707 – This individual had a good Experian rating
  • Transunion: 676 – Raisa had a good credit score with Transunion.
  • Equifax: Raisa’s Experian score was 694, which is a good credit rating on the Experian system.

Raisa was rejected by Community First National Bank 6 times before being granted funding by Five Star Bank at 6810 Five Star Boulevard

On May 29, 2010, Raisa inquired about borrowing $5,000 from Citizens Commercial Trust and Savings Bank of Pasadena with Rick, their friend from just outside Rocklin, and even with the co-signer, Raisa was rejected for this high risk loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.

Previous requests on Raisa’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$122740.00 3 9.2% $3914.53 Santa Monica Bank December 10, 2011
$123160.00 11 7.8% $1392.7 Farmers and Merchants Bank of Long Beach February 15, 2012
$123200.00 7 10.2% $2058.02 First Interstate Bank of California September 27, 2012
$123120.00 10 5.7% $1348.41 Union Bank November 14, 2013
$123170.00 7 5.7% $1781.67 Citizens Commercial Trust and Savings Bank of Pasadena June 18, 2014

Raisa’s Transunion score was altered by the high risk loan loan, changing to 676 from 694, which is normal in our experience.

Transunion Score: 676

Personal Loan for an oceanographic assistant named Raisa in Rocklin, California to Pay Off Ace Rewards Visa Signature Card

Raisa had a tonne of credit card debt on their Sleepy’s Credit Card and their Barclaycard Visa with Apple Rewards, and they were starting to get in over their heads. Despite Raisa’s job as an oceanographic assistant, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Raisa has a sad current yearly income, but has several of prospects

Raisa has always wanted to be a dry wall installer, but would need attend T.A. Lawson State Community College again to achieve it. Raisa has other prospects as well, including aeronautical & aerospace engineer, financial services sales agent, and industrial air pollution analyst, which pay $59,000 through to $91,000 per year, at least. Because of this, we believe that Raisa can pay for this high risk loan of $82000.

Raisa’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their oceanographic assistant job and their future job as a dry wall installer

Fico Score: 694

When Raisa was 20, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit score. Below is a list of Raisa’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on December 2, 2008
  • Attempt 2) Loan for $34,000.00 on January 5, 2009
  • Attempt 3) Loan for $33,000.00 on December 17, 2011
  • Attempt 4) Loan for $36,000.00 on March 12, 2011
  • Attempt 5) Loan for $26,000.00 on December 7, 2008
  • Attempt 6) Loan for $30,000.00 on September 29, 2011
  • Attempt 7) Loan for $25,000.00 on February 14, 2009

Before applying for this high risk loan, Raisa had an Experian score of 707, which is good, so Five Star Bank probably cannot provide Raisa a high risk loan

Experian Score: 707

Fast Loans for Raisa in Rocklin, California to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Rocklin, California aren’t actually that difficult to obtain, especially if you have some gumption like Raisa. Raisa was able to find a fast loan for $82000 from Security Pacific National Bank and Community First National Bank, but declined both offers in favor of their high risk loan from Five Star Bank. 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 5 weeks for installment loans. A big improvement in the case that a borrower is on the go.

Signature Loan easily acquired in Rocklin, California for $82000 with good credit by Raisa

A lot of borrowers struggle with obtaining signature loans in Rocklin, California, and Raisa is the same. Raisa went to 6 lenders or more prior to finding Five Star Bank, who offered Raisa a signature loan for $82000. Most signature loans simply need a client, like Raisa’s signature to get them, up to $36,000 in some cases. Raisa was able to get $82000 as a high risk loan, which is very high for a high risk loan. Since signature loans don’t need a cosigner, they generally need higher credit, as high as 710

6 Months Ago, Raisa Tried to Find a High Risk Loan for $48,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Raisa. Raisa chose not to get a high risk loan this time. High Risk loans are given to terrible credit borrowers. Individuals with credit scores as low as 416 can inquire for a high risk loan and may be be accepted.

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $38,000.00 to $59,000.00. They are typically used to pay off existing high interest loans like credit cards. Raisa needed a debt consolidation loan to pay for their existing high risk loan and their credit card. Raisa was able to find a high risk loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.6%.

Many previous requests for credit have been made by Raisa in the past, including one from First Valley Savings and Loan Association Incorporated in Rocklin, California before Raisa was approved for the $82000 by Five Star Bank

Raisa made 4 previous tries to obtain a high risk loan, 2 of which were with First Valley Savings and Loan Association Incorporated, a lending institution in Rocklin, California known to specialize in high risk loans specifically. Prior to finding Five Star Bank, Raisa was concerned due to their inexperience and good credit rating.

Contact Details for Five Star Bank, the provider of this high risk loan

  • Five Star Bank
  • City: Rocklin
  • State: California
  • Address: 6810 Five Star Boulevard
  • County: Placer
  • Zip code: 95677

Paraphrased and Standardized Quote from Raisa for this high risk loan of $82000, provided by Five Star Bank

Hello, I am Raisa and my hometown is Rocklin in California. Placer, county is where I grew up, and now I need a high risk loan in California for $82000 to avoid bankruptcy. It wasn’t easy, but Five Star Bank really came through for me with this loan for 8.7% interest APR and a term of 13 years. I will repay the loan over the 13 year term, including interest. A big thanks to Five Star Bank for giving me a chance and my good credit. It look me 5 years to build my credit to 694, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.

Installment loan for Raisa, a graduate of T.A. Lawson State Community College and an oceanographic assistant working for over $62,000 per year

Raisa, an alumnus at T.A. Lawson State Community College and an oceanographic assistant in Rocklin, California needs a high risk loan to purchase a car. Raisa has instead chosen to get an installment loan for $29,000 and is currently seeking lenders like U.S. Bank of California to provide it.

Client Profile: Raisa Hevessy of Rocklin, California
  • Full name (Changed if requested): Raisa Hevessy
  • Current Credit: loans.hit.utils.Fico@37bba400
  • Current City: Rocklin
  • State: California
  • Zip code: 95678
  • Yearly income: $64,000
  • Current Job: oceanographic assistant
  • Current County: Placer
  • Goal Yearly Income: $121,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Conclusion of Raisa’s high risk loan

In the end, Raisa was able to find a high risk loan for $82000 with an interest rate of 8.0% interest APR from Five Star Bank in Rocklin, California repayable over 13 years from today.

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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