$33000 Secured Loan – Pasadena California, Credit Rating Of 698
- Experian: 714 – This individual had a good Experian score
- Transunion: 682 – Palma had a good credit rating with Transunion.
- Equifax: Palma’s Experian score was 698, which is a good credit rating with the Experian system.
Palma’s Transunion score was altered by the secured loan loan, changing to 682 from 698, which is typical in our experience.
Palma’s Overall FICO score at the time of acceptance for a secured loan, taking into account their respiratory therapist job and their future job as a casting director
Paraphrased and Standardized Quote from Palma for this secured loan of $33000, provided by Pasadena Federal Savings and Loan Association
Hi, I am Palma and my hometown is Pasadena in California. Los Angeles, county is where I grew up, and now I need a secured loan in California for $33000 to buy a car. It has been difficult, but Pasadena Federal Savings and Loan Association really came through for me with this loan for 10.8% interest APR and a term of 5 years. I will repay the loan over the 5 year term, including interest. A big thanks to Pasadena Federal Savings and Loan Association for giving me a chance and my good credit. It look me 5 years to create my credit to 698, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.
Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans vary from $26,000.00 to $50,000.00. They are mainly used to pay off existing high interest loans like credit cards. Palma required a debt consolidation loan to pay for their existing secured loan and their credit card. Palma was able to find a secured loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.1%.
Signature Loan easily acquired in Pasadena, California for $33000 with good credit by Palma
Many prospective borrowers struggle with finding signature loans in Pasadena, California, and Palma is not an exception. Palma went to 6 lenders or more before finding Pasadena Federal Savings and Loan Association, who offered Palma a signature loan for $33000. Most signature loans simply need a client, like Palma’s signature to get them, up to $32,000 in some cases. Palma was able to get $33000 as a secured loan, which is very high for a secured loan. Since signature loans do not require collateral, these loans tend to need better credit, as high as 741
Installment loan for Palma, a graduate of University of Alaska Anchorage and a respiratory therapist working for over $76,000 per year
Palma, an alumnus at University of Alaska Anchorage and a respiratory therapist in Pasadena, California wants a secured loan to purchase a new cell phone. Palma has instead chosen to get an installment loan for $12,000 and is at present seeking lenders like Santa Monica Bank to process their request.
Multiple previous requests for credit have been made by Palma in the past, including one from State Bank of Cherry in Pasadena, California before Palma was accepted for the $33000 by Pasadena Federal Savings and Loan Association
Palma made 6 prior attempts to obtain a secured loan, 2 of which were with State Bank of Cherry, a lending institution in Pasadena, California known to specialize in secured loans specifically. Before finding Pasadena Federal Savings and Loan Association, Palma was concerned due to their inexperience and good credit score.
Fast Loans for Palma in Pasadena, California to prevent bankruptcy or harm from debt collectors.
Fast loans in Pasadena, California aren’t actually that difficult to obtain, particularly if you have some gumption like Palma. Palma was able to find a fast loan for $33000 from First Northern Bank of Dixon and The First National Bank of Holtville, but turned down both offers in favor of their secured loan from Pasadena Federal Savings and Loan Association. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. An improvement in the case that you are in a pinch.
Previous requests on Palma’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$12740.00||9||5.7%||$151.07||Santa Monica Bank||October 22, 2008|
|$12590.00||7||7.7%||$194.35||Farmers and Merchants Bank of Long Beach||July 6, 2009|
|$12880.00||5||7.6%||$258.7||First Interstate Bank of California||January 8, 2013|
|$12740.00||4||10.8%||$328.04||Union Bank||May 6, 2014|
|$12590.00||11||7.1%||$137.69||Citizens Commercial Trust and Savings Bank of Pasadena||July 4, 2014|
- Full name (Changed if requested): Palma Gollihar
- Current Credit: loans.hit.utils.Fico@6433a2
- Current City: Pasadena
- State: California
- Zip code: 91110
- Yearly income: $62,000
- Current Job: respiratory therapist
- Current County: Los Angeles
- Goal Yearly Income: $113,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
When Palma was 21, they attempted to obtain a student loan from 4 alternate lenders, which harmed their credit score. Below is a chronology of Palma’s previous attempts at finding a student loan:
- Attempt 1) Loan for $34,000.00 on May 26, 2009
- Attempt 2) Loan for $23,000.00 on March 25, 2012
- Attempt 3) Loan for $23,000.00 on November 8, 2012
- Attempt 4) Loan for $37,000.00 on August 5, 2013
Before applying for this secured loan, Palma had an Experian score of 714, which is good, so Pasadena Federal Savings and Loan Association most likely cannot provide Palma a secured loan
7 Months in the Past, Palma Tried Finding a High Risk Loan for $34,000.00, and it was Easy
It is an well known struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Palma. Palma chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Borrowers with credit ratings as low as 328 can inquire for a high risk loan and may be be approved.
Palma has a disappointing current yearly income, but has a high number of prospects
Palma has always wanted to be a casting director, but would have to attend University of Alaska Anchorage again to achieve it. Palma has other prospects as well, including sales representative, employee training instructor, and dietitian and nutritionist, which pay $50,000 through to $100,000 per year, on average. Because of this, we think that Palma can afford this secured loan of $33000.
Personal Loan for a respiratory therapist named Palma in Pasadena, California to Pay Off Bangor Savings Bank Visa Business Bonus Rewards Card
Palma had a tonne of credit card debt on their Delaware National Bank Credit Cards and their OneCall Credit Card, and they were starting to get in over their heads. Despite Palma’s job as a respiratory therapist, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Contact Details for Pasadena Federal Savings and Loan Association, the provider of this secured loan
- Pasadena Federal Savings and Loan Association
- City: Pasadena
- State: California
- Address: 199 North Lake Ave
- County: Los Angeles
- Zip code: 91109
Palma was rejected by Bank of Sonoma County 5 times before being granted funding by Pasadena Federal Savings and Loan Association at 199 North Lake Ave
On July 30, 2010, Palma inquired about borrowing $11,000 from Citizens Bank of Roseville with Ara, their in law from just outside Pasadena, and even with the co-signer, Palma was rejected for this secured loan. With good credit, it can be challenging to procure financing, even with collateral and a co-signer.
Conclusion of Palma’s secured loan
In the end, Palma was able to find a secured loan for $33000 with an interest rate of 10.8% interest APR from Pasadena Federal Savings and Loan Association in Pasadena, California repayable over 5 years from today.