$99000 Debt Consolidation Loan – Napa California, Credit Rating Of 408
- Experian: 419 – They had a bad Experian rating
- Transunion: 390 – Patrica had a bad credit rating with Transunion.
- Equifax: Patrica’s Experian score was 408, which is a bad credit rating using the Experian scale.
6 Months in the Past, Patrica Tried to Find a High Risk Loan for $34,000.00, and it was Hard
It is an ongoing 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 similar lenders, which can be physically harmful to borrowers like Patrica. Patrica chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Clients with credit scores as low as 520 can inquire for a high risk loan and possibly can be accepted.
Installment loan for Patrica, a graduate of University of Wisconsin – Eau Claire and a sanitary engineer working for over $63,000 per year
Patrica, an alumnus at University of Wisconsin – Eau Claire and a sanitary engineer in Napa, California wants a debt consolidation loan to purchase a car. Patrica has instead decided to get an installment loan for $25,000 and is currently seeking lenders like National Bank of Agriculture to process their request.
Fast Loans for Patrica in Napa, California to prevent bankruptcy or harm from debt collectors.
Fast loans in Napa, California aren’t actually that difficult to obtain, particularly if you have some gumption like Patrica. Patrica was able to find a fast loan for $99000 from Citizens Bank of Roseville and United States National Bank, but turned down both offers in favor of their debt consolidation loan from Napa National 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. Much better in the case that a client is on the go.
- Full name (Changed if requested): Patrica Wilds
- Current Credit: loans.hit.utils.Fico@238e0d81
- Current City: Napa
- State: California
- Zip code: 94560
- Yearly income: $58,000
- Current Job: sanitary engineer
- Current County: Napa
- Goal Yearly Income: $104,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000
Patrica has a sad current gross income, but has a large amount of prospects
Patrica has always wanted to be a radiation protection engineer, but would have to attend University of Wisconsin – Eau Claire again to become one. Patrica has other prospects as well, including health psychologist, quality control inspector, and emergency management specialist, which pay $57,000 through to $109,000 per year, at least. Because of this, we believe that Patrica can afford this debt consolidation loan of $99000.
Previous requests on Patrica’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$32900.00||9||9.4%||$452.57||Santa Monica Bank||May 5, 2014|
|$32780.00||4||7.2%||$788.0||Farmers and Merchants Bank of Long Beach||August 29, 2014|
|$32900.00||11||5.4%||$331.1||First Interstate Bank of California||September 20, 2014|
|$32640.00||9||11.5%||$486.46||Union Bank||February 10, 2015|
|$33110.00||4||5.5%||$770.02||Citizens Commercial Trust and Savings Bank of Pasadena||May 18, 2015|
Patrica was rejected by Bank of Sonoma County 7 times before being approved by Napa National Bank at 901 Main Street
On September 15, 2011, Patrica applied about borrowing $4,000 from Farmers and Merchants Bank of Long Beach with Jann, their in law from just outside Napa, and even with the co-signer, Patrica was rejected for this debt consolidation loan. With bad credit, it can be very hard to procure financing, even with collateral and a co-signer.
When Patrica was 22, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit score. Below is a chronology of Patrica’s previous attempts at finding a student loan:
- Attempt 1) Loan for $29,000.00 on March 28, 2010
- Attempt 2) Loan for $25,000.00 on October 11, 2010
- Attempt 3) Loan for $38,000.00 on December 7, 2008
- Attempt 4) Loan for $31,000.00 on July 7, 2011
Several previous requests for credit have been made by Patrica in the past, including one from Levy County State Bank in Napa, California before Patrica was approved for the $99000 by Napa National Bank
Patrica made 9 previous attempts to obtain a debt consolidation loan, 2 of which were with Levy County State Bank, a lender in Napa, California known to specialize in debt consolidation loans specifically. Prior to finding Napa National Bank, Patrica was very concerned due to their inexperience and bad credit rating.
Patrica’s Transunion score was changed by the debt consolidation loan loan, changing to 390 from 408, which is normal in our experience.
Personal Loan for a sanitary engineer named Patrica in Napa, California to Pay Off Chase +1 Student MasterCard
Patrica had a lot of credit card debt on their Navy FCU nRewards Credit Card and their Princess Cruises Rewards Visa Card, and they were starting to get in over their heads. Despite Patrica’s job as a sanitary engineer, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Paraphrased and Standardized Quote from Patrica for this debt consolidation loan of $99000, provided by Napa National Bank
Hi, I am Patrica and my hometown is Napa in California. Napa, county is where I grew up, and now I need a debt consolidation loan in California for $99000 to buy a car. It wasn’t easy, but Napa National Bank really came through for me with this loan for 5.5% interest APR and a term of 9 years. I can repay the loan over the 9 year term, including interest. A big thanks to Napa National Bank for giving me a chance and my bad credit. It look me 9 years to create my credit to 408, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.
Patrica’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their sanitary engineer job and their future career as a radiation protection engineer
Signature Loan acquired in Napa, California for $99000 with bad credit by Patrica
Many borrowers have difficulty with finding signature loans in Napa, California, and Patrica is the same. Patrica went to 4 lenders or more prior to settling on Napa National Bank, who offered Patrica a signature loan for $99000. Typical signature loans simply need a client, like Patrica’s signature to obtain them, up to $20,000 in some cases. Patrica was able to get $99000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t need a cosigner, they tend to require improved credit, as high as 720
Contact Details for Napa National Bank, the provider of this debt consolidation loan
- Napa National Bank
- City: Napa
- State: California
- Address: 901 Main Street
- County: Napa
- Zip code: 94559
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans range from $32,000.00 to $56,000.00. They are typically used to pay off existing high interest loans like credit cards. Patrica needed a debt consolidation loan to pay for their existing debt consolidation loan and their credit card. Patrica was able to find a debt consolidation 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 usually have interest rates that are low, like 4.0%.
Before applying for this debt consolidation loan, Patrica had an Experian score of 419, which is bad, so Napa National Bank likely cannot provide Patrica a debt consolidation loan
Conclusion of Patrica’s debt consolidation loan
In the end, Patrica was able to find a debt consolidation loan for $99000 with an interest rate of 7.2% interest APR from Napa National Bank in Napa, California repayable over 9 years from today.