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Marlen Karman’s Personal Loan For 96000 Dollars In Red Bluff California

$96000 Personal Loan – Red Bluff California, Credit Score Of 833

  • Experian: 851 – The client had an excellent Experian score
  • Transunion: 817 – Marlen had an excellent credit rating with Transunion.
  • Equifax: Marlen’s Experian score was 833, which is an excellent credit rating on the Experian scale.

Paraphrased and Standardized Quote from Marlen for this personal loan of $96000, provided by Mid Valley Bank

Hello, I am Marlen and I am from Red Bluff in California. Tehama, county is where I grew up, and now I need a personal loan in California for $96000 to buy a car. It wasn’t easy, but Mid Valley Bank really came through for me with this loan for 6.2% interest APR and a term of 5 years. I can probably repay the loan over the 5 year term, including interest. A big thanks to Mid Valley Bank for trusting me and my excellent credit. It look me 6 years to build my credit to 833, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.

Personal Loan for a fashion designer named Marlen in Red Bluff, California to Pay Off NBT Bank Visa Business Card

Marlen had a tonne of credit card debt on their Malvern Federal Savings Bank Visa Business Bonus Rewards Card and their Dollar Bank Valued Customer Visa, and they were starting to get in over their heads. Despite Marlen’s job as a fashion designer, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

9 Months Ago, Marlen Attempted to Find a High Risk Loan for $21,000.00, and it was Hard

It is an well known struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Marlen. Marlen decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Individuals with credit ratings as low as 590 can apply for a high risk loan and possibly can be approved.

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $32,000.00 to $58,000.00. They are typically used to pay off existing high interest loans like credit cards. Marlen needed a debt consolidation loan to pay for their existing personal loan and their credit card. Marlen was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.6%.

Many other requests for credit have been made by Marlen in the past, including one from Texas Commerce Bank-Northcross, National Association in Red Bluff, California before Marlen was approved for the $96000 by Mid Valley Bank

Marlen made 5 prior attempts to obtain a personal loan, 2 of which were with Texas Commerce Bank-Northcross, National Association, a bank in Red Bluff, California known to specialize in personal loans specifically. Prior to finding Mid Valley Bank, Marlen was desperate due to their inexperience and excellent credit rating.

Marlen’s Transunion score was altered by the personal loan loan, changing to 817 from 833, which is typical in our experience.

Transunion Score: 817

Client Profile: Marlen Karman of Red Bluff, California
  • Full name (Changed if requested): Marlen Karman
  • Current Credit: loans.hit.utils.Fico@46f7f36a
  • Current City: Red Bluff
  • State: California
  • Zip code: 96083
  • Yearly income: $65,000
  • Current Job: fashion designer
  • Current County: Tehama
  • Goal Yearly Income: $88,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Fast Loans for Marlen in Red Bluff, California to prevent bankruptcy or harm from debt collectors.

Fast loans in Red Bluff, California aren’t actually that difficult to obtain, particularly if you have some finesse like Marlen. Marlen was able to find a fast loan for $96000 from San Diego Trust & Savings Bank and Mechanics Bank, but turned down both offers in favor of their personal loan from Mid Valley Bank. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better in the case that a borrower is in a time sensitive situation.

Installment loan for Marlen, a graduate of Howard University and a fashion designer working for over $68,000 per year

Marlen, an alumnus at Howard University and a fashion designer in Red Bluff, California needs a personal loan to purchase a house. Marlen has instead decided to get an installment loan for $3,000 and is currently seeking lenders like Bank of Sonoma County to process their request.

Signature Loan easily acquired in Red Bluff, California for $96000 with excellent credit by Marlen

Many clients have difficulty with finding signature loans in Red Bluff, California, and Marlen is no different. Marlen went to 8 lenders or more prior to finding Mid Valley Bank, who offered Marlen a signature loan for $96000. Most signature loans simply need a client, like Marlen’s signature to get them, up to $46,000 in some cases. Marlen was able to get $96000 as a personal loan, which is very high for a personal loan. Because signature loans do not require collateral, they tend to require better credit, as high as 743

Previous requests on Marlen’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$128490.00 7 7.2% $1951.84 Santa Monica Bank June 7, 2010
$127620.00 5 8.1% $2593.79 Farmers and Merchants Bank of Long Beach June 27, 2011
$128180.00 7 11.6% $2235.4 First Interstate Bank of California July 11, 2011
$128110.00 11 9.4% $1560.74 Union Bank March 13, 2012
$127600.00 3 11.6% $4213.81 Citizens Commercial Trust and Savings Bank of Pasadena January 12, 2013

Marlen was not approved by The First National Bank of Holtville 5 times before being accepted by Mid Valley Bank at 950 Main Street

On March 9, 2012, Marlen applied about borrowing $32,000 from Santa Ynez Valley Bank with Haywood, their friend from just outside Red Bluff, and even with the co-signer, Marlen was rejected for this personal loan. With excellent credit, it can be very hard to procure funding, even with collateral and a co-signer.

Marlen’s Overall FICO score at the time of acceptance for a personal loan, taking into account their fashion designer job and their future career as a dental assistant

Fico Score: 833

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

Marlen has always wanted to be a dental assistant, but would have to attend Howard University again to become one. Marlen has other possibilities as well, including credit adjuster, mechanical engineer, and industrial waste inspector, which pay $57,000 through to $103,000 per year, at least. Because of this, we believe that Marlen can pay for this personal loan of $96000.

When Marlen was 20, they tried to obtain a student loan from 4 different lenders, which damaged their credit rating. Below is a chronology of Marlen’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on April 20, 2011
  • Attempt 2) Loan for $22,000.00 on February 22, 2013
  • Attempt 3) Loan for $30,000.00 on December 22, 2010
  • Attempt 4) Loan for $24,000.00 on March 25, 2011

Contact Details for Mid Valley Bank, the provider of this personal loan

  • Mid Valley Bank
  • City: Red Bluff
  • State: California
  • Address: 950 Main Street
  • County: Tehama
  • Zip code: 96080

Before applying for this personal loan, Marlen had an Experian score of 851, which is excellent, so Mid Valley Bank likely cannot provide Marlen a personal loan

Experian Score: 851

Conclusion of Marlen’s personal loan

In the end, Marlen was able to find a personal loan for $96000 with an interest rate of 8.5% interest APR from Mid Valley Bank in Red Bluff, California repayable over 5 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.