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No Collateral Loan Of $144000 For Excellent Credit California Resident

$144000 No Collateral Loan – San Jose California, Credit Score Of 829

  • Experian: 847 – They had an excellent Experian rating
  • Transunion: 815 – Porsha had an excellent credit rating with Transunion.
  • Equifax: Porsha’s Experian score was 829, which is an excellent credit rating with the Experian system.

Contact Details for California Security Bank, the provider of this no collateral loan

  • California Security Bank
  • City: San Jose
  • State: California
  • Address: 1694 Tully Road
  • County: Santa Clara
  • Zip code: 95151

Before applying for this no collateral loan, Porsha had an Experian score of 847, which is excellent, so California Security Bank probably cannot provide Porsha a no collateral loan

Experian Score: 847

Porsha was declined by Community First National Bank 5 times before being accepted by California Security Bank at 1694 Tully Road

On November 26, 2012, Porsha inquired about borrowing $29,000 from Central Bank with Shante, their in law from just outside San Jose, and even with the co-signer, Porsha was rejected for this no collateral loan. With excellent credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Installment loan for Porsha, a graduate of Plymouth State University and a vocational education teachers working for over $70,000 per year

Porsha, an alumnus at Plymouth State University and a vocational education teachers in San Jose, California needs a no collateral loan to purchase a car. Porsha has instead decided to obtain an installment loan for $20,000 and is at present seeking lenders like U.S. Bank of California to process their request.

Paraphrased and Standardized Quote from Porsha for this no collateral loan of $144000, provided by California Security Bank

Hi, I am Porsha and I am from San Jose in California. Santa Clara, county is where I grew up, and now I need a no collateral loan in California for $144000 to avoid bankruptcy. It wasn’t easy, but California Security Bank really came through for me with this loan for 6.6% interest APR and a term of 19 years. I will repay the loan over the 19 year term, including interest. A big thanks to California Security Bank for giving me a chance and my excellent credit. It look me 8 years to build my credit to 829, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Personal Loan for a vocational education teachers named Porsha in San Jose, California to Pay Off Harley-Davidson Visa High Performance Credit Card

Porsha had a lot of credit card debt on their Marine Corps Association and their McCoy’s Building Supply Credit Card, and they were starting to get in over their heads. Despite Porsha’s job as a vocational education teachers, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Porsha was 24, they tried to obtain a student loan from 7 different banks, which harmed their credit score. Below is a list of Porsha’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on March 7, 2009
  • Attempt 2) Loan for $38,000.00 on February 17, 2013
  • Attempt 3) Loan for $35,000.00 on March 29, 2012
  • Attempt 4) Loan for $30,000.00 on October 22, 2010
  • Attempt 5) Loan for $22,000.00 on July 27, 2009
  • Attempt 6) Loan for $32,000.00 on February 7, 2010
  • Attempt 7) Loan for $38,000.00 on January 8, 2013

9 Months Ago, Porsha Attempted Finding a High Risk Loan for $49,000.00, and it was Hard

There is an ongoing struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Porsha. Porsha decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Individuals with credit ratings as low as 515 can apply for a high risk loan and may be be approved.

Porsha’s Transunion score was altered by the no collateral loan loan, changing to 815 from 829, which is typical in our experience.

Transunion Score: 815

Several previous requests for credit have been made by Porsha in the past, including one from Watauga Valley Bank in San Jose, California before Porsha was accepted for the $144000 by California Security Bank

Porsha made 4 prior attempts to obtain a no collateral loan, 2 of which were with Watauga Valley Bank, a lending institution in San Jose, California known to specialize in no collateral loans specifically. Prior to finding California Security Bank, Porsha was desperate due to their inexperience and excellent credit score.

Signature Loan easily acquired in San Jose, California for $144000 with excellent credit by Porsha

Many clients struggle with obtaining signature loans in San Jose, California, and Porsha is not an exception. Porsha went to 7 lending institutions or more before settling on California Security Bank, who offered Porsha a signature loan for $144000. Typical signature loans simply require a client, like Porsha’s signature to get them, up to $44,000 in some cases. Porsha was able to get $144000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not require a cosigner, these loans generally need better credit, as high as 774

Porsha’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their vocational education teachers job and their future job as a plastic surgeon

Fico Score: 829

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $32,000.00 to $50,000.00. They are normally used to pay off existing high interest loans like credit cards. Porsha needed a debt consolidation loan to pay for their existing no collateral loan and their loan shark loan. Porsha was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.3%.

Porsha has a very low current total income, but has a high number of prospects

Porsha has always wanted to be a plastic surgeon, but would need attend Plymouth State University again to become one. Porsha has other possibilities as well, including publications editor, power-line installer and mechanic, and missionary worker, which pay $53,000 through to $92,000 per year, at least. For this reason, we believe that Porsha can afford this no collateral loan of $144000.

Client Profile: Porsha Knickrehm of San Jose, California
  • Full name (Changed if requested): Porsha Knickrehm
  • Current Credit: loans.hit.utils.Fico@726f3b58
  • Current City: San Jose
  • State: California
  • Zip code: 95156
  • Yearly income: $66,000
  • Current Job: vocational education teachers
  • Current County: Santa Clara
  • Goal Yearly Income: $103,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Fast Loans for Porsha in San Jose, California to prevent bankruptcy or broken legs from debt collectors.

Fast loans in San Jose, California aren’t actually that difficult to obtain, particularly if you have some gumption like Porsha. Porsha was able to find a fast loan for $144000 from First Trust Bank and Central Bank, but declined both offers in favor of their no collateral loan from California Security Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement in the case that a borrower is in a pinch.

Previous requests on Porsha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$130670.00 3 10.4% $4240.94 Santa Monica Bank November 25, 2012
$131340.00 3 5.8% $3983.73 Farmers and Merchants Bank of Long Beach February 17, 2013
$131450.00 4 8.4% $3233.82 First Interstate Bank of California June 20, 2013
$131240.00 7 8.1% $2052.08 Union Bank January 30, 2014
$130650.00 4 11.3% $3395.78 Citizens Commercial Trust and Savings Bank of Pasadena January 28, 2015

Conclusion of Porsha’s no collateral loan

In the end, Porsha was able to find a no collateral loan for $144000 with an interest rate of 6.3% interest APR from California Security Bank in San Jose, California repayable over 19 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.