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Direct Loan For $128000 Near 90510, California With A Credit Score Of 577

$128000 Direct Loan – Torrance California, Credit Rating Of 577

  • Experian: 594 – This individual had a fair Experian score
  • Transunion: 565 – Tari had a fair credit score with Transunion.
  • Equifax: Tari’s Experian score was 577, which is a fair credit score on the Experian system.

Tari was rejected by First Trust Bank 7 times before being accepted by South Bay Bank, National Association at 2200 Sepulveda Boulevard

On March 11, 2011, Tari applied about borrowing $9,000 from The First National Bank of Orange County with Sherita, their in law from just outside Torrance, and even with the co-signer, Tari was rejected for this direct loan. With fair credit, it can be difficult to obtain funding, even with collateral and a co-signer.

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

Most debt consolidation loans range from $26,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Tari required a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Tari was able to find a direct 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 a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.7%.

Tari’s Transunion score was changed by the direct loan loan, changing to 565 from 577, which is normal in our experience.

Transunion Score: 565

Previous requests on Tari’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$43210.00 5 8.6% $888.6 Santa Monica Bank April 17, 2012
$43490.00 3 7.8% $1358.81 Farmers and Merchants Bank of Long Beach April 18, 2014
$42760.00 8 11.7% $687.94 First Interstate Bank of California March 31, 2015
$42850.00 7 9.1% $691.59 Union Bank May 2, 2015

Multiple previous requests for credit have been made by Tari in the past, including one from Hallowell Savings and Loan Association in Torrance, California before Tari was accepted for the $128000 by South Bay Bank, National Association

Tari made 5 prior attempts to obtain a direct loan, 2 of which were with Hallowell Savings and Loan Association, a lender in Torrance, California known to specialize in direct loans specifically. Before finding South Bay Bank, National Association, Tari was very concerned due to their inexperience and fair credit score.

Paraphrased and Standardized Quote from Tari for this direct loan of $128000, provided by South Bay Bank, National Association

Hi, I am Tari and I am from Torrance in California. Los Angeles, county is where I grew up, and now I need a direct loan in California for $128000 to buy a big ticket item. It wasn’t easy, but South Bay Bank, National Association really came through for me with this loan for 5.0% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to South Bay Bank, National Association for giving me a chance and my fair credit. It look me 4 years to build my credit to 577, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.

Client Profile: Tari Bickerton of Torrance, California
  • Full name (Changed if requested): Tari Bickerton
  • Current Credit: loans.hit.utils.Fico@f2a0b8e
  • Current City: Torrance
  • State: California
  • Zip code: 90517
  • Yearly income: $50,000
  • Current Job: insurance agent
  • Current County: Los Angeles
  • Goal Yearly Income: $108,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Fast Loans for Tari in Torrance, California to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Torrance, California aren’t actually that difficult to obtain, especially if you have some gumption like Tari. Tari was able to find a fast loan for $128000 from U.S. Bank of California and First Trust Bank, but turned down both offers in favor of their direct loan from South Bay Bank, National Association. The improvement 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. A big improvement in the case that a client is in a time sensitive situation.

9 Months Ago, Tari Tried Finding a High Risk Loan for $25,000.00, and it was Hard

It is an well known struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Tari. Tari chose not to obtain a high risk loan this time. High Risk loans are given to very low credit applicants. Individuals with credit scores as low as 343 can inquire for a high risk loan and may be be accepted.

Before applying for this direct loan, Tari had an Experian score of 594, which is fair, so South Bay Bank, National Association most likely cannot provide Tari a direct loan

Experian Score: 594

Tari has a sad current yearly income, but has a large amount of prospects

Tari has always wanted to be a dental hygienist, but would have to attend Berlitz Language Centers again to become one. Tari has other possibilities as well, including sales representative, plastic surgeon, and script editor, which pay $57,000 through to $91,000 per year, at least. For this reason, we think that Tari can pay for this direct loan of $128000.

When Tari was 21, they attempted to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a list of Tari’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on August 14, 2009
  • Attempt 2) Loan for $32,000.00 on October 8, 2013
  • Attempt 3) Loan for $29,000.00 on March 4, 2011
  • Attempt 4) Loan for $33,000.00 on April 19, 2013
  • Attempt 5) Loan for $28,000.00 on April 24, 2013
  • Attempt 6) Loan for $26,000.00 on December 25, 2010

Installment loan for Tari, a graduate of Berlitz Language Centers and an insurance agent working for over $76,000 per year

Tari, an alumnus at Berlitz Language Centers and an insurance agent in Torrance, California needs a direct loan to purchase a house. Tari has instead chosen to get an installment loan for $3,000 and is at present seeking lenders like First Interstate Bank of California to provide it.

Personal Loan for an insurance agent named Tari in Torrance, California to Pay Off PAYjr Visa Buxx Prepaid Card

Tari had a lot of credit card debt on their Club CarlsonSM Rewards Visa Signature Card and their Justice FCU Student Rewards Visa Card, and they were starting to get in over their heads. Despite Tari’s job as an insurance agent, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for South Bay Bank, National Association, the provider of this direct loan

  • South Bay Bank, National Association
  • City: Torrance
  • State: California
  • Address: 2200 Sepulveda Boulevard
  • County: Los Angeles
  • Zip code: 90510

Tari’s Overall FICO score at the time of acceptance for a direct loan, taking into account their insurance agent job and their future career as a dental hygienist

Fico Score: 577

Signature Loan found in Torrance, California for $128000 with fair credit by Tari

Most prospective borrowers struggle with finding signature loans in Torrance, California, and Tari is the same. Tari went to 7 lenders or more prior to settling on South Bay Bank, National Association, who offered Tari a signature loan for $128000. Typical signature loans simply require a client, like Tari’s signature to obtain them, up to $31,000 in some cases. Tari was able to get $128000 as a direct loan, which is very high for a direct loan. Because signature loans do not require collateral, they tend to require higher credit, as high as 764

Conclusion of Tari’s direct loan

In the end, Tari was able to find a direct loan for $128000 with an interest rate of 8.0% interest APR from South Bay Bank, National Association in Torrance, California repayable over 14 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.