$176000 No Collateral Loan – Van Nuys California, Credit Rating Of 680
- Experian: 698 – This client had a good Experian rating
- Transunion: 666 – Gavin had a good credit score with Transunion.
- Equifax: Gavin’s Experian score was 680, which is a good credit rating using the Experian scale.
Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans vary from $23,000.00 to $50,000.00. They are mainly used to pay off existing high interest loans like credit cards. Gavin required a debt consolidation loan to pay for their existing no collateral loan and their loan shark loan. Gavin was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 2.8%.
Personal Loan for an industrial air pollution analyst named Gavin in Van Nuys, California to Pay Off Berkshire Municipal Bank Secured Visa Card
Gavin had a tonne of credit card debt on their PNC Visa Platinum Credit Card and their BB&T Spectrum Rewards Card, and they were starting to get in over their heads. Despite Gavin’s job as an industrial air pollution analyst, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
- Full name (Changed if requested): Gavin Makekau
- Current Credit: loans.hit.utils.Fico@2a098129
- Current City: Van Nuys
- State: California
- Zip code: 91412
- Yearly income: $35,000
- Current Job: industrial air pollution analyst
- Current County: Los Angeles
- Goal Yearly Income: $127,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Signature Loan easily acquired in Van Nuys, California for $176000 with good credit by Gavin
A lot of borrowers struggle with finding signature loans in Van Nuys, California, and Gavin is no different. Gavin went to 8 lending institutions or more before finding Valley Federal Savings and Loan Association, who offered Gavin a signature loan for $176000. Most signature loans simply require a client, like Gavin’s signature to get them, up to $36,000 in some cases. Gavin was able to get $176000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not require collateral, they tend to need improved credit, as high as 777
Many other requests for credit have been made by Gavin in the past, including one from AmeriTrust Company of Franklin County in Van Nuys, California before Gavin was accepted for the $176000 by Valley Federal Savings and Loan Association
Gavin made 5 previous attempts to obtain a no collateral loan, 2 of which were with AmeriTrust Company of Franklin County, a lender in Van Nuys, California known to specialize in no collateral loans specifically. Prior to finding Valley Federal Savings and Loan Association, Gavin was desperate due to their inexperience and good credit rating.
Fast Loans for Gavin in Van Nuys, California to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Van Nuys, California aren’t actually that difficult to obtain, especially if you have some finesse like Gavin. Gavin was able to find a fast loan for $176000 from Santa Monica Bank and Farmers & Merchants Bank of Central California, but declined both offers in favor of their no collateral loan from Valley Federal Savings and Loan Association. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. Much better in the case that a client is in a time sensitive situation.
Contact Details for Valley Federal Savings and Loan Association, the provider of this no collateral loan
- Valley Federal Savings and Loan Association
- City: Van Nuys
- State: California
- Address: 6842 Van Nuys Boulevard
- County: Los Angeles
- Zip code: 91405
Before applying for this no collateral loan, Gavin had an Experian score of 698, which is good, so Valley Federal Savings and Loan Association likely cannot provide Gavin a no collateral loan
Gavin was not approved by Westamerica Bank 6 times prior to being accepted by Valley Federal Savings and Loan Association at 6842 Van Nuys Boulevard
On June 21, 2011, Gavin applied about borrowing $29,000 from First Northern Bank of Dixon with Isis, their in law from just outside Van Nuys, and even with the co-signer, Gavin was rejected for this no collateral loan. With good credit, it can be difficult to obtain financing, even with collateral and a co-signer.
Gavin’s Transunion score was changed by the no collateral loan loan, changing to 666 from 680, which is normal in our experience.
Paraphrased and Standardized Quote from Gavin for this no collateral loan of $176000, provided by Valley Federal Savings and Loan Association
Hi, I am Gavin and I’m from Van Nuys in California. Los Angeles, county is where I grew up, and now I need a no collateral loan in California for $176000 to avoid bankruptcy. It wasn’t easy, but Valley Federal Savings and Loan Association really came through for me with this loan for 8.7% interest APR and a term of 7 years. I will repay the loan over the 7 year term, including interest. A big thanks to Valley Federal Savings and Loan Association for giving me a chance and my good credit. It look me 9 years to create my credit to 680, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.
Gavin’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their industrial air pollution analyst job and their future career as a medical insurance claims analyst
Previous requests on Gavin’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$92320.00||9||11.1%||$1355.37||Santa Monica Bank||January 3, 2011|
|$91760.00||7||11.7%||$1605.13||Farmers and Merchants Bank of Long Beach||March 6, 2012|
|$91820.00||3||8.4%||$2894.28||First Interstate Bank of California||October 19, 2012|
|$91720.00||9||7.5%||$1170.44||Union Bank||September 27, 2013|
6 Months in the Past, Gavin Tried Finding a High Risk Loan for $27,000.00, and it was Hard
There is an well known struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Gavin. Gavin chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Borrowers with credit ratings as low as 547 can inquire for a high risk loan and possibly can be accepted.
Installment loan for Gavin, a graduate of Towson University and an industrial air pollution analyst working for over $79,000 per year
Gavin, an alumnus at Towson University and an industrial air pollution analyst in Van Nuys, California needs a no collateral loan to purchase a new cell phone. Gavin has instead decided to get an installment loan for $14,000 and is currently seeking lenders like Bank of Stockton to process their request.
Gavin has a sad current yearly income, but has a large amount of prospects
Gavin has always wanted to be a medical insurance claims analyst, but would have to attend Towson University again to become one. Gavin has other possibilities as well, including harbor master, business service specialist, and benefits manager, which pay $59,000 through to $103,000 per year, on average. For this reason, we believe that Gavin can pay for this no collateral loan of $176000.
When Gavin was 18, they tried to obtain a student loan from 7 different banks, which damaged their credit score. Below is a list of Gavin’s previous attempts at finding a student loan:
- Attempt 1) Loan for $33,000.00 on October 12, 2009
- Attempt 2) Loan for $31,000.00 on July 22, 2009
- Attempt 3) Loan for $22,000.00 on March 21, 2012
- Attempt 4) Loan for $25,000.00 on June 11, 2012
- Attempt 5) Loan for $20,000.00 on January 17, 2009
- Attempt 6) Loan for $37,000.00 on July 8, 2009
- Attempt 7) Loan for $29,000.00 on July 12, 2011
Conclusion of Gavin’s no collateral loan
In the end, Gavin was able to find a no collateral loan for $176000 with an interest rate of 7.4% interest APR from Valley Federal Savings and Loan Association in Van Nuys, California repayable over 7 years from today.