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Deane Needed A Fast Loan For $148000, Las Vegas, Nevada

$148000 Fast Loan – Las Vegas Nevada, Credit Score Of 405

  • Experian: 422 – They had a bad Experian score
  • Transunion: 390 – Deane had a bad credit rating with Transunion.
  • Equifax: Deane’s Experian score was 405, which is a bad credit rating using the Experian system.

Installment loan for Deane, a graduate of ELS Language Centers and a middle school guidance counselor working for over $70,000 per year

Deane, an alumnus at ELS Language Centers and a middle school guidance counselor in Las Vegas, Nevada wants a fast loan to purchase something frivolous. Deane has instead chosen to obtain an installment loan for $22,000 and is at present seeking lenders like American Savings and Loan Association to provide it.

Previous requests on Deane’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$131670.00 8 5.1% $1673.21 The First National Bank of Ely March 28, 2009
$131740.00 4 5.1% $3039.85 First Interstate Bank of Nevada, National Association January 16, 2013
$131610.00 10 10.4% $1768.52 Security Bank of Nevada December 6, 2014
$131840.00 9 11.4% $1957.54 Security Pacific Bank Nevada, National Association December 9, 2014

Deane’s Transunion score was changed by the fast loan loan, changing to 390 from 405, which is normal in our experience.

Transunion Score: 390

6 Months in the Past, Deane Attempted to Find a High Risk Loan for $34,000.00, and it was Easy

There is an well known struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Deane. Deane decided not to get a high risk loan this time. High Risk loans are given to terrible credit individuals. Individuals with credit scores as low as 504 can apply for a high risk loan and may be be approved.

Deane’s Overall FICO score at the time of acceptance for a fast loan, taking into account their middle school guidance counselor job and their future job as a freight and stock handler

Fico Score: 405

Signature Loan easily acquired in Las Vegas, Nevada for $148000 with bad credit by Deane

Many clients struggle with obtaining signature loans in Las Vegas, Nevada, and Deane is not an exception. Deane went to 5 lenders or more prior to settling on Desert Community Bank, who offered Deane a signature loan for $148000. Most signature loans simply need a client, like Deane’s signature to get them, up to $40,000 in some cases. Deane was able to get $148000 as a fast loan, which is very high for a fast loan. Since signature loans don’t require collateral, they generally require better credit, as high as 781

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $29,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Deane required a debt consolidation loan to pay for their existing fast loan and their loan shark loan. Deane was able to find a fast loan in the end. Debt consolidation, or just consolidation, is a tactic 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 4.2%.

Client Profile: Deane Santanna of Las Vegas, Nevada
  • Full name (Changed if requested): Deane Santanna
  • Current Credit: loans.hit.utils.Fico@6477463f
  • Current City: Las Vegas
  • State: Nevada
  • Zip code: 89127
  • Yearly income: $39,000
  • Current Job: middle school guidance counselor
  • Current County: Clark
  • Goal Yearly Income: $84,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Paraphrased and Standardized Quote from Deane for this fast loan of $148000, provided by Desert Community Bank

Hello, I am Deane and I’m from Las Vegas in Nevada. Clark, county is where I grew up, and now I need a fast loan in Nevada for $148000 to avoid bankruptcy. It wasn’t easy, but Desert Community Bank really came through for me with this loan for 9.8% interest APR and a term of 20 years. I will repay the loan over the 20 year term, including interest. A big thanks to Desert Community Bank for giving me a chance and my bad credit. It look me 7 years to create my credit to 405, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.

Before applying for this fast loan, Deane had an Experian score of 422, which is bad, so Desert Community Bank most likely cannot provide Deane a fast loan

Experian Score: 422

Several previous requests for credit have been made by Deane in the past, including one from Community Business Bank in Las Vegas, Nevada before Deane was approved for the $148000 by Desert Community Bank

Deane made 5 prior attempts to obtain a fast loan, 2 of which were with Community Business Bank, a lending institution in Las Vegas, Nevada known to specialize in fast loans specifically. Before finding Desert Community Bank, Deane was desperate due to their inexperience and bad credit score.

Contact Details for Desert Community Bank, the provider of this fast loan

  • Desert Community Bank
  • City: Las Vegas
  • State: Nevada
  • Address: 3740 South Pecos-Mcleod Interconnect
  • County: Clark
  • Zip code: 89121

Fast Loans for Deane in Las Vegas, Nevada to prevent bankruptcy or harm from debt collectors.

Fast loans in Las Vegas, Nevada aren’t actually that difficult to obtain, particularly if you have some gumption like Deane. Deane was able to find a fast loan for $148000 from American Bank of Commerce and American Savings and Loan Association, but declined both offers in favor of their fast loan from Desert Community Bank. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement if a client is in a pinch.

Personal Loan for a middle school guidance counselor named Deane in Las Vegas, Nevada to Pay Off USAA Classic American Express

Deane had a lot of credit card debt on their Commerce Bank Secured Visa Credit Card and their Tioga State Bank Visa Business Bonus Rewards Card, and they were starting to get in over their heads. Despite Deane’s job as a middle school guidance counselor, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Deane has a low current gross income, but has a high number of prospects

Deane has always wanted to be a freight and stock handler, but would have to attend ELS Language Centers again to become one. Deane has other prospects as well, including nurse practitioner, marine and aquatic biologist, and set designer, which pay $53,000 through to $97,000 per year, on average. Because of this, we think that Deane can afford this fast loan of $148000.

Deane was rejected by Nevada First Thrift 7 times before being approved by Desert Community Bank at 3740 South Pecos-Mcleod Interconnect

On February 4, 2009, Deane inquired about borrowing $37,000 from U. S. Bank of Nevada with Leonardo, their friend from just outside Las Vegas, and even with the co-signer, Deane was rejected for this fast loan. With bad credit, it can be very hard to procure funding, even with collateral and a co-signer.

When Deane was 21, they tried to obtain a student loan from 5 alternate banks, which harmed their credit score. Below is a chronology of Deane’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on December 1, 2013
  • Attempt 2) Loan for $36,000.00 on November 27, 2008
  • Attempt 3) Loan for $35,000.00 on April 8, 2013
  • Attempt 4) Loan for $37,000.00 on August 15, 2011
  • Attempt 5) Loan for $21,000.00 on July 15, 2009

Conclusion of Deane’s fast loan

In the end, Deane was able to find a fast loan for $148000 with an interest rate of 11.4% interest APR from Desert Community Bank in Las Vegas, Nevada repayable over 20 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.