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6 Year No Collateral Loan For Kerry In San Francisco California

$9000 No Collateral Loan – San Francisco California, Credit Score Of 462

  • Experian: 477 – This client had a bad Experian score
  • Transunion: 445 – Kerry had a bad credit score with Transunion.
  • Equifax: Kerry’s Experian score was 462, which is a bad credit rating with the Experian system.

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

Kerry has always wanted to be a sales representative, but would have to attend University of Phoenix again to achieve it. Kerry has other possibilities as well, including industrial engineering technician, graduate teaching assistant, and advertising agency coordinator, which pay $57,000 through to $102,000 per year, on average. Because of this, we believe that Kerry can pay for this no collateral loan of $9000.

When Kerry was 18, they tried to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a chronology of Kerry’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on April 9, 2010
  • Attempt 2) Loan for $23,000.00 on October 23, 2010
  • Attempt 3) Loan for $37,000.00 on February 19, 2014
  • Attempt 4) Loan for $37,000.00 on December 10, 2013

Kerry’s Transunion score was altered by the no collateral loan loan, changing to 445 from 462, which is typical in our experience.

Transunion Score: 445

Kerry’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their air crew officer job and their future career as a sales representative

Fico Score: 462

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

Normal debt consolidation loans vary from $25,000.00 to $48,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kerry needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Kerry was able to find a no collateral 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 one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.4%.

Kerry was not approved by Beverly Hills National Bank 7 times prior to being granted funding by Pan American Savings and Loan Association at 2773 Mission Street

On September 28, 2013, Kerry inquired about borrowing $19,000 from Citizens Bank of Roseville with Breanne, their friend from just outside San Francisco, and even with the co-signer, Kerry was rejected for this no collateral loan. With bad credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Kerry for this no collateral loan of $9000, provided by Pan American Savings and Loan Association

Hello, I am Kerry and my hometown is San Francisco in California. San Francisco, county is where I grew up, and now I need a no collateral loan in California for $9000 to avoid bankruptcy. It has been difficult, but Pan American Savings and Loan Association really came through for me with this loan for 6.0% interest APR and a term of 23 years. I can probably repay the loan over the 23 year term, including interest. A big thanks to Pan American Savings and Loan Association for trusting me and my bad credit. It look me 6 years to create my credit to 462, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Client Profile: Kerry Kha of San Francisco, California
  • Full name (Changed if requested): Kerry Kha
  • Current Credit: loans.hit.utils.Fico@12bb4df8
  • Current City: San Francisco
  • State: California
  • Zip code: 94118
  • Yearly income: $34,000
  • Current Job: air crew officer
  • Current County: San Francisco
  • Goal Yearly Income: $109,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Contact Details for Pan American Savings and Loan Association, the provider of this no collateral loan

  • Pan American Savings and Loan Association
  • City: San Francisco
  • State: California
  • Address: 2773 Mission Street
  • County: San Francisco
  • Zip code: 94110

Personal Loan for an air crew officer named Kerry in San Francisco, California to Pay Off First Niagara Bank Business MasterCard

Kerry had a tonne of credit card debt on their Ohio Savings Bank Visa Signature Card with Maximum Rewards and their Arvest Visa Classic, and they were starting to get in over their heads. Despite Kerry’s job as an air crew officer, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Kerry’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$16740.00 10 7.5% $198.71 Santa Monica Bank February 16, 2014
$17220.00 5 6.3% $335.32 Farmers and Merchants Bank of Long Beach January 7, 2015
$17260.00 7 9.5% $282.1 First Interstate Bank of California February 21, 2015
$16570.00 9 7.7% $213.15 Union Bank August 21, 2015

Before applying for this no collateral loan, Kerry had an Experian score of 477, which is bad, so Pan American Savings and Loan Association probably cannot provide Kerry a no collateral loan

Experian Score: 477

Installment loan for Kerry, a graduate of University of Phoenix and an air crew officer working for over $60,000 per year

Kerry, an alumnus at University of Phoenix and an air crew officer in San Francisco, California wants a no collateral loan to purchase a car. Kerry has instead chosen to obtain an installment loan for $29,000 and is at present seeking lenders like First Northern Bank of Dixon to process their request.

Multiple previous requests for credit have been made by Kerry in the past, including one from Trust Bank in San Francisco, California before Kerry was accepted for the $9000 by Pan American Savings and Loan Association

Kerry made 8 previous tries to obtain a no collateral loan, 2 of which were with Trust Bank, a lending institution in San Francisco, California known to specialize in no collateral loans specifically. Before finding Pan American Savings and Loan Association, Kerry was concerned due to their inexperience and bad credit rating.

9 Months in the Past, Kerry Tried Finding a High Risk Loan for $32,000.00, and it was Hard

It is an existing struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Kerry. Kerry 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 557 can apply for a high risk loan and have a chance to be accepted.

Signature Loan found in San Francisco, California for $9000 with bad credit by Kerry

Most clients struggle with finding signature loans in San Francisco, California, and Kerry is no exception. Kerry went to 5 lending institutions or more before finding Pan American Savings and Loan Association, who offered Kerry a signature loan for $9000. Typical signature loans simply require a client, like Kerry’s signature to obtain them, up to $28,000 in some cases. Kerry was able to get $9000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans don’t require a cosigner, these loans tend to need higher credit, as high as 773

Fast Loans for Kerry in San Francisco, California to prevent bankruptcy or harm from debt collectors.

Fast loans in San Francisco, California aren’t actually that difficult to obtain, especially if you have some gumption like Kerry. Kerry was able to find a fast loan for $9000 from Santa Monica Bank and National Bank of Agriculture, but turned down both offers in favor of their no collateral loan from Pan American Savings and Loan Association. 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 6 weeks for installment loans. Much better in the case that a client is in a pinch.

Conclusion of Kerry’s no collateral loan

In the end, Kerry was able to find a no collateral loan for $9000 with an interest rate of 8.3% interest APR from Pan American Savings and Loan Association in San Francisco, California repayable over 23 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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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.