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Emergency Loan Of $12000 For Terrible Credit California Resident

$12000 Emergency Loan – Ceres California, Credit Score Of 308

  • Experian: 324 – They had a terrible Experian score
  • Transunion: 296 – Carrol had a terrible credit score with Transunion.
  • Equifax: Carrol’s Experian score was 308, which is a terrible credit score using the Experian rating scheme.

Signature Loan easily acquired in Ceres, California for $12000 with terrible credit by Carrol

Most clients have difficulty with finding signature loans in Ceres, California, and Carrol is no exception. Carrol went to 4 lending institutions or more before finding Great Valley Bank, who offered Carrol a signature loan for $12000. Most signature loans simply require a client, like Carrol’s signature to get them, up to $49,000 in some cases. Carrol was able to get $12000 as a emergency loan, which is very high for an emergency loan. Because signature loans do not require a cosigner, they tend to need higher credit, as high as 794

Before applying for this emergency loan, Carrol had an Experian score of 324, which is terrible, so Great Valley Bank likely cannot provide Carrol an emergency loan

Experian Score: 324

Paraphrased and Standardized Quote from Carrol for this emergency loan of $12000, provided by Great Valley Bank

Hello, I am Carrol and I’m from Ceres in California. Stanislaus, county is where I grew up, and now I need a emergency loan in California for $12000 to renovate my home. It has been difficult, but Great Valley Bank really came through for me with this loan for 5.6% interest APR and a term of 9 years. I can repay the loan over the 9 year term, including interest. A big thanks to Great Valley Bank for giving me a chance and my terrible credit. It look me 5 years to create my credit to 308, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.

Carrol has a disappointing current gross income, but has a large amount of prospects

Carrol has always wanted to be a sales representative, but would need attend Florida Atlantic University again to achieve it. Carrol has other possibilities as well, including gas plant operator, tax examiner, and construction laborer, which pay $55,000 through to $97,000 per year, at least. For this reason, we believe that Carrol can afford this emergency loan of $12000.

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

Fast loans in Ceres, California aren’t actually that difficult to obtain, particularly if you have some finesse like Carrol. Carrol was able to find a fast loan for $12000 from Central Bank and Security Pacific National Bank, but turned down both offers in favor of their emergency loan from Great Valley Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. Much better if you are in a pinch.

Contact Details for Great Valley Bank, the provider of this emergency loan

  • Great Valley Bank
  • City: Ceres
  • State: California
  • Address: 2501 East Whitmore Avenue
  • County: Stanislaus
  • Zip code: 95307

Installment loan for Carrol, a graduate of Florida Atlantic University and a missionary worker working for over $70,000 per year

Carrol, an alumnus at Florida Atlantic University and a missionary worker in Ceres, California wants an emergency loan to purchase a new cell phone. Carrol has instead decided to get an installment loan for $18,000 and is currently seeking lenders like Pacific Western Bank to process their request.

Carrol’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their missionary worker job and their future career as a sales representative

Fico Score: 308

Previous requests on Carrol’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$53650.00 5 7.6% $1077.59 Santa Monica Bank November 25, 2011
$54240.00 8 5.3% $694.45 Farmers and Merchants Bank of Long Beach May 25, 2013
$53810.00 7 8.6% $854.87 First Interstate Bank of California August 26, 2014
$54250.00 3 11.1% $1778.65 Union Bank December 8, 2014

When Carrol was 23, they tried to obtain a student loan from 7 different banks, which harmed their credit score. Below is a chronology of Carrol’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on March 1, 2010
  • Attempt 2) Loan for $39,000.00 on March 19, 2009
  • Attempt 3) Loan for $23,000.00 on November 7, 2008
  • Attempt 4) Loan for $27,000.00 on July 5, 2009
  • Attempt 5) Loan for $35,000.00 on August 16, 2011
  • Attempt 6) Loan for $34,000.00 on January 25, 2009
  • Attempt 7) Loan for $29,000.00 on January 5, 2009

Carrol’s Transunion score was altered by the emergency loan loan, changing to 296 from 308, which is typical in our experience.

Transunion Score: 296

Personal Loan for a missionary worker named Carrol in Ceres, California to Pay Off The Home Depot Consumer Credit Card

Carrol had a lot of credit card debt on their Club CarlsonSM Rewards Visa Signature Card and their Ohio Savings Bank Maximum Rewards Visa Card, and they were starting to get in over their heads. Despite Carrol’s job as a missionary worker, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Carrol was declined by National Bank of Agriculture 7 times before being approved by Great Valley Bank at 2501 East Whitmore Avenue

On March 26, 2011, Carrol inquired about borrowing $11,000 from San Diego Trust & Savings Bank with Luisa, their in law from just outside Ceres, and even with the co-signer, Carrol was rejected for this emergency loan. With terrible credit, it can be very hard to procure financing, even with collateral and a co-signer.

Multiple other requests for credit have been made by Carrol in the past, including one from Security Bank of North Metro in Ceres, California before Carrol was approved for the $12000 by Great Valley Bank

Carrol made 8 previous tries to obtain an emergency loan, 2 of which were with Security Bank of North Metro, a bank in Ceres, California known to specialize in emergency loans specifically. Before finding Great Valley Bank, Carrol was desperate due to their inexperience and terrible credit score.

7 Months in the Past, Carrol Attempted Finding a High Risk Loan for $36,000.00, and it was Easy

There is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Carrol. Carrol chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Borrowers with credit ratings as low as 486 can inquire for a high risk loan and may be be approved.

Client Profile: Carrol Obregon of Ceres, California
  • Full name (Changed if requested): Carrol Obregon
  • Current Credit: loans.hit.utils.Fico@28c97a5
  • Current City: Ceres
  • State: California
  • Zip code: 95312
  • Yearly income: $51,000
  • Current Job: missionary worker
  • Current County: Stanislaus
  • Goal Yearly Income: $149,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $33,000.00 to $44,000.00. They are mainly used to pay off existing high interest loans like credit cards. Carrol needed a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Carrol was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.3%.

Conclusion of Carrol’s emergency loan

In the end, Carrol was able to find an emergency loan for $12000 with an interest rate of 9.0% interest APR from Great Valley Bank in Ceres, California repayable over 9 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.