$30000 Debt Consolidation Loan – San Luis Obispo California, Credit Rating Of 727
- Experian: 743 – This client had an excellent Experian score
- Transunion: 712 – Epifania had an excellent credit score with Transunion.
- Equifax: Epifania’s Experian score was 727, which is an excellent credit score with the Experian scale.
Before applying for this debt consolidation loan, Epifania had an Experian score of 743, which is excellent, so Mission Community Bank most likely cannot provide Epifania a debt consolidation loan
Paraphrased and Standardized Quote from Epifania for this debt consolidation loan of $30000, provided by Mission Community Bank
Hi, I am Epifania and my hometown is San Luis Obispo in California. San Luis Obispo, county is where I grew up, and now I need a debt consolidation loan in California for $30000 to buy a big ticket item. It wasn’t easy, but Mission Community Bank really came through for me with this loan for 6.3% interest APR and a term of 17 years. I can probably repay the loan over the 17 year term, including interest. A big thanks to Mission Community Bank for giving me a chance and my excellent credit. It look me 9 years to create my credit to 727, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.
Fast Loans for Epifania in San Luis Obispo, California to prevent bankruptcy or broken legs from debt collectors.
Fast loans in San Luis Obispo, California aren’t actually that difficult to obtain, especially if you have some finesse like Epifania. Epifania was able to find a fast loan for $30000 from The First National Bank of Holtville and Bank of Alex Brown, but declined both offers in favor of their debt consolidation loan from Mission Community 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 7 weeks for debt consolidation loans. An improvement in the case that a borrower is in a time sensitive situation.
Previous requests on Epifania’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$106320.00||3||8.3%||$3346.42||Santa Monica Bank||August 22, 2011|
|$105660.00||6||5.8%||$1741.13||Farmers and Merchants Bank of Long Beach||January 12, 2012|
|$105840.00||6||9.2%||$1918.35||First Interstate Bank of California||August 7, 2013|
|$106420.00||8||10.4%||$1637.45||Union Bank||September 15, 2013|
Contact Details for Mission Community Bank, the provider of this debt consolidation loan
- Mission Community Bank
- City: San Luis Obispo
- State: California
- Address: 3380 S. Higuera Street
- County: San Luis Obispo
- Zip code: 93401
Installment loan for Epifania, a graduate of “Tricoci University of Beauty Culture, LLC” and a horticultural worker supervisor working for over $60,000 per year
Epifania, an alumnus at “Tricoci University of Beauty Culture, LLC” and a horticultural worker supervisor in San Luis Obispo, California needs a debt consolidation loan to purchase a house. Epifania has instead chosen to get an installment loan for $17,000 and is currently seeking lenders like U.S. Bank of California to process their request.
Epifania’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their horticultural worker supervisor job and their future job as an air crew officer
Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans vary from $23,000.00 to $55,000.00. They are mainly used to pay off existing high interest loans like credit cards. Epifania needed a debt consolidation loan to pay for their existing debt consolidation loan and their payday loan. Epifania 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 changes your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.4%.
6 Months Ago, Epifania Attempted to Find a High Risk Loan for $34,000.00, and it was Hard
There is an well known struggle for clients to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Epifania. Epifania chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Clients with credit ratings as low as 491 can apply for a high risk loan and possibly can be approved.
Signature Loan easily acquired in San Luis Obispo, California for $30000 with excellent credit by Epifania
A lot of prospective borrowers have difficulty with finding signature loans in San Luis Obispo, California, and Epifania is no different. Epifania went to 7 lending institutions or more prior to finding Mission Community Bank, who offered Epifania a signature loan for $30000. Typical signature loans simply need a client, like Epifania’s signature to get them, up to $39,000 in some cases. Epifania was able to get $30000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans do not require collateral, these loans tend to need better credit, as high as 762
- Full name (Changed if requested): Epifania Lout
- Current Credit: loans.hit.utils.Fico@5679c6c6
- Current City: San Luis Obispo
- State: California
- Zip code: 93404
- Yearly income: $44,000
- Current Job: horticultural worker supervisor
- Current County: San Luis Obispo
- Goal Yearly Income: $137,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Epifania was declined by Security Pacific National Bank 6 times before being approved by Mission Community Bank at 3380 S. Higuera Street
On October 17, 2008, Epifania applied about borrowing $49,000 from National Bank of Agriculture with Elsa, their friend from just outside San Luis Obispo, and even with the co-signer, Epifania was rejected for this debt consolidation loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.
Personal Loan for a horticultural worker supervisor named Epifania in San Luis Obispo, California to Pay Off The Williams-Sonoma Visa Signature Card
Epifania had a tonne of credit card debt on their Union State Bank Credit Cards and their Fidelity Retirement Rewards American Express, and they were starting to get in over their heads. Despite Epifania’s job as a horticultural worker supervisor, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Epifania’s Transunion score was altered by the debt consolidation loan loan, changing to 712 from 727, which is typical in our experience.
Epifania has a very low current gross income, but has a large amount of prospects
Epifania has always wanted to be an air crew officer, but would have to attend “Tricoci University of Beauty Culture, LLC” again to become one. Epifania has other possibilities as well, including forest fire inspector, fire investigator, and industrial engineering technician, which pay $59,000 through to $96,000 per year, at least. Because of this, we think that Epifania can pay for this debt consolidation loan of $30000.
When Epifania was 21, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit rating. Below is a chronology of Epifania’s previous attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on August 29, 2009
- Attempt 2) Loan for $21,000.00 on January 12, 2011
- Attempt 3) Loan for $37,000.00 on March 10, 2009
- Attempt 4) Loan for $26,000.00 on March 16, 2011
Several other requests for credit have been made by Epifania in the past, including one from Fidelity Bank in San Luis Obispo, California before Epifania was accepted for the $30000 by Mission Community Bank
Epifania made 5 previous tries to obtain a debt consolidation loan, 2 of which were with Fidelity Bank, a lending institution in San Luis Obispo, California known to specialize in debt consolidation loans specifically. Prior to finding Mission Community Bank, Epifania was desperate due to their inexperience and excellent credit score.
Conclusion of Epifania’s debt consolidation loan
In the end, Epifania was able to find a debt consolidation loan for $30000 with an interest rate of 8.0% interest APR from Mission Community Bank in San Luis Obispo, California repayable over 17 years from now.