$76000 Personal Loan – Costa Mesa California, Credit Score Of 446
- Experian: 461 – This client had a bad Experian rating
- Transunion: 433 – Gene had a bad credit score with Transunion.
- Equifax: Gene’s Experian score was 446, which is a bad credit rating using the Experian rating scheme.
Multiple past requests for credit have been made by Gene in the past, including one from Texas Commerce Bank-New Braunfels, National Association in Costa Mesa, California before Gene was accepted for the $76000 by Pacific First Bank, A Federal Savings Bank
Gene made 5 previous attempts to obtain a personal loan, 2 of which were with Texas Commerce Bank-New Braunfels, National Association, a bank in Costa Mesa, California known to specialize in personal loans specifically. Before finding Pacific First Bank, A Federal Savings Bank, Gene was concerned due to their inexperience and bad credit score.
Personal Loan for an explosives worker named Gene in Costa Mesa, California to Pay Off Wells Fargo Business Elite Card
Gene had a tonne of credit card debt on their RBC U.S. Dollar Visa Gold and their Goody’s Credit Card, and they were starting to get in over their heads. Despite Gene’s job as an explosives worker, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.
- Full name (Changed if requested): Gene Windfield
- Current Credit: loans.hit.utils.Fico@470e2030
- Current City: Costa Mesa
- State: California
- Zip code: 92634
- Yearly income: $66,000
- Current Job: explosives worker
- Current County: Orange
- Goal Yearly Income: $112,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000
Paraphrased and Standardized Quote from Gene for this personal loan of $76000, provided by Pacific First Bank, A Federal Savings Bank
Hi, I am Gene and I am from Costa Mesa in California. Orange, county is where I grew up, and now I need a personal loan in California for $76000 to pay bills. It wasn’t easy, but Pacific First Bank, A Federal Savings Bank really came through for me with this loan for 7.4% interest APR and a term of 20 years. I will repay the loan over the 20 year term, including interest. A big thanks to Pacific First Bank, A Federal Savings Bank for trusting me and my bad credit. It look me 9 years to build my credit to 446, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.
Fast Loans for Gene in Costa Mesa, California to prevent bankruptcy or harm from debt collectors.
Fast loans in Costa Mesa, California aren’t actually that difficult to obtain, especially if you have some finesse like Gene. Gene was able to find a fast loan for $76000 from The First National Bank of Orange County and Beverly Hills National Bank, but declined both offers in favor of their personal loan from Pacific First Bank, A Federal Savings Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. Much better in the case that a borrower is on the go.
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans range from $29,000.00 to $48,000.00. They are mainly used to pay off existing high interest loans like credit cards. Gene required a debt consolidation loan to pay for their existing personal loan and their credit card. Gene was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your bad, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.0%.
Gene was declined by First Interstate Bank of California 5 times prior to being granted funding by Pacific First Bank, A Federal Savings Bank at 1901 Newport Boulevard
On November 22, 2010, Gene applied about borrowing $33,000 from The First National Bank of Holtville with Lecia, their friend from just outside Costa Mesa, and even with the co-signer, Gene was rejected for this personal loan. With bad credit, it can be challenging to obtain funding, even with collateral and a co-signer.
Contact Details for Pacific First Bank, A Federal Savings Bank, the provider of this personal loan
- Pacific First Bank, A Federal Savings Bank
- City: Costa Mesa
- State: California
- Address: 1901 Newport Boulevard
- County: Orange
- Zip code: 92627
Gene’s Overall FICO score at the time of acceptance for a personal loan, taking into account their explosives worker job and their future career as a clinical psychologist
Installment loan for Gene, a graduate of Roane State Community College and an explosives worker working for over $60,000 per year
Gene, an alumnus at Roane State Community College and an explosives worker in Costa Mesa, California wants a personal loan to purchase something frivolous. Gene has instead decided to get an installment loan for $27,000 and is at present seeking lenders like Citizens Commercial Trust and Savings Bank of Pasadena to provide it.
When Gene was 23, they tried to obtain a student loan from 7 alternate banks, which harmed their credit rating. Below is a list of Gene’s previous attempts at finding a student loan:
- Attempt 1) Loan for $38,000.00 on January 27, 2009
- Attempt 2) Loan for $36,000.00 on December 11, 2010
- Attempt 3) Loan for $23,000.00 on February 21, 2013
- Attempt 4) Loan for $31,000.00 on August 3, 2010
- Attempt 5) Loan for $29,000.00 on August 30, 2009
- Attempt 6) Loan for $25,000.00 on February 7, 2011
- Attempt 7) Loan for $34,000.00 on July 9, 2009
Signature Loan acquired in Costa Mesa, California for $76000 with bad credit by Gene
A lot of borrowers have difficulty with finding signature loans in Costa Mesa, California, and Gene is no exception. Gene went to 7 lending institutions or more before finding Pacific First Bank, A Federal Savings Bank, who offered Gene a signature loan for $76000. Most signature loans simply require a client, like Gene’s signature to obtain them, up to $29,000 in some cases. Gene was able to get $76000 as a personal loan, which is very high for a personal loan. Since signature loans do not require collateral, these loans generally need higher credit, as high as 706
9 Months Ago, Gene Tried Finding a High Risk Loan for $26,000.00, and it was Hard
There is an existing 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 scary to borrowers like Gene. Gene chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Clients with credit ratings as low as 395 can apply for a high risk loan and may be be accepted.
Before applying for this personal loan, Gene had an Experian score of 461, which is bad, so Pacific First Bank, A Federal Savings Bank most likely cannot provide Gene a personal loan
Gene’s Transunion score was changed by the personal loan loan, changing to 433 from 446, which is normal in our experience.
Gene has a disappointing current total income, but has several of prospects
Gene has always wanted to be a clinical psychologist, but would need attend Roane State Community College again to become one. Gene has other prospects as well, including respiratory care technician, sanitary engineer, and plant breeder, which pay $51,000 through to $92,000 per year, at least. Because of this, we believe that Gene can afford this personal loan of $76000.
Previous requests on Gene’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$118410.00||4||7.1%||$2840.97||Santa Monica Bank||March 1, 2011|
|$118100.00||5||9.5%||$2480.32||Farmers and Merchants Bank of Long Beach||March 15, 2011|
|$117720.00||10||5.3%||$1265.94||First Interstate Bank of California||May 26, 2012|
|$118260.00||3||9.2%||$3771.65||Union Bank||June 5, 2013|
|$118350.00||11||11.2%||$1563.22||Citizens Commercial Trust and Savings Bank of Pasadena||January 9, 2014|
Conclusion of Gene’s personal loan
In the end, Gene was able to find a personal loan for $76000 with an interest rate of 6.6% interest APR from Pacific First Bank, A Federal Savings Bank in Costa Mesa, California repayable over 20 years from today.