$176000 Private Loan – Quincy California, Credit Score Of 631
- Experian: 643 – They had a good Experian rating
- Transunion: 614 – Youlanda had a good credit rating with Transunion.
- Equifax: Youlanda’s Experian score was 631, which is a good credit score on the Experian rating scheme.
Contact Details for Plumas Bank, the provider of this private loan
- Plumas Bank
- City: Quincy
- State: California
- Address: 336 West Main Street
- County: Plumas
- Zip code: 95971
When Youlanda was 22, they tried to obtain a student loan from 5 different banks, which harmed their credit rating. Below is a chronology of Youlanda’s prior attempts at finding a student loan:
- Attempt 1) Loan for $23,000.00 on July 29, 2011
- Attempt 2) Loan for $21,000.00 on November 4, 2008
- Attempt 3) Loan for $21,000.00 on November 18, 2012
- Attempt 4) Loan for $39,000.00 on June 20, 2012
- Attempt 5) Loan for $29,000.00 on January 6, 2011
Paraphrased and Standardized Quote from Youlanda for this private loan of $176000, provided by Plumas Bank
Hello, I am Youlanda and I am from Quincy in California. Plumas, county is where I grew up, and now I need a private loan in California for $176000 to buy a car. It wasn’t easy, but Plumas Bank really came through for me with this loan for 9.2% interest APR and a term of 1 years. I can probably repay the loan over the 1 year term, including interest. A big thanks to Plumas Bank for trusting me and my good credit. It look me 5 years to build my credit to 631, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.
Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans vary from $21,000.00 to $42,000.00. They are mainly used to pay off existing high interest loans like credit cards. Youlanda required a debt consolidation loan to pay for their existing private loan and their credit card. Youlanda was able to find a private 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 a single lower interest loan. Debt consolidation loans usually have interest rates as low as 2.1%.
Previous requests on Youlanda’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$42270.00||4||10.2%||$1076.14||Santa Monica Bank||August 7, 2010|
|$42330.00||5||7.6%||$850.22||Farmers and Merchants Bank of Long Beach||August 26, 2012|
|$41710.00||4||6.8%||$994.93||First Interstate Bank of California||November 12, 2013|
|$42370.00||4||9.5%||$1064.47||Union Bank||February 22, 2014|
Youlanda was rejected by Security Pacific National Bank 6 times prior to being accepted by Plumas Bank at 336 West Main Street
On February 5, 2009, Youlanda inquired about borrowing $43,000 from United States National Bank with Wilber, their friend from just outside Quincy, and even with the co-signer, Youlanda was rejected for this private loan. With good credit, it can be very hard to procure financing, even with collateral and a co-signer.
Youlanda has a disappointing current yearly income, but has a large amount of prospects
Youlanda has always wanted to be a retail sales department supervisor, but would need attend Aveda Institute of Columbus again to become one. Youlanda has other prospects as well, including real estate broker, parking enforcement officer, and medical records technician, which pay $57,000 through to $105,000 per year, at least. For this reason, we think that Youlanda can pay for this private loan of $176000.
- Full name (Changed if requested): Youlanda Graeff
- Current Credit: loans.hit.utils.Fico@76fb509a
- Current City: Quincy
- State: California
- Zip code: 95976
- Yearly income: $31,000
- Current Job: mine cutting machine operator
- Current County: Plumas
- Goal Yearly Income: $82,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Fast Loans for Youlanda in Quincy, California to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Quincy, California aren’t actually that difficult to obtain, especially if you have some gumption like Youlanda. Youlanda was able to find a fast loan for $176000 from Bank of Alex Brown and Citizens Commercial Trust and Savings Bank of Pasadena, but declined both offers in favor of their private loan from Plumas Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big improvement in the case that a client is in a pinch.
Signature Loan acquired in Quincy, California for $176000 with good credit by Youlanda
A lot of borrowers have difficulty with obtaining signature loans in Quincy, California, and Youlanda is no different. Youlanda went to 5 lenders or more before finding Plumas Bank, who offered Youlanda a signature loan for $176000. Typical signature loans simply need a client, like Youlanda’s signature to obtain them, up to $44,000 in some cases. Youlanda was able to get $176000 as a private loan, which is very high for a private loan. Since signature loans don’t require a cosigner, they generally need higher credit, as high as 702
Youlanda’s Transunion score was altered by the private loan loan, changing to 614 from 631, which is normal in our experience.
Personal Loan for a mine cutting machine operator named Youlanda in Quincy, California to Pay Off Delaware National Bank Credit Cards
Youlanda had a tonne of credit card debt on their Spirit Airlines World MasterCard Credit Card and their NBT Bank Visa Business Bonus Rewards Card, and they were starting to get in over their heads. Despite Youlanda’s job as a mine cutting machine operator, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Installment loan for Youlanda, a graduate of Aveda Institute of Columbus and a mine cutting machine operator working for over $77,000 per year
Youlanda, an alumnus at Aveda Institute of Columbus and a mine cutting machine operator in Quincy, California wants a private loan to purchase something frivolous. Youlanda has instead chosen to obtain an installment loan for $19,000 and is currently seeking lenders like Santa Ynez Valley Bank to process their request.
9 Months in the Past, Youlanda Tried to Find a High Risk Loan for $21,000.00, and it was Hard
It is an well known struggle for borrowers to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Youlanda. Youlanda decided not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Individuals with credit ratings as low as 598 can apply for a high risk loan and possibly can be accepted.
Several previous requests for credit have been made by Youlanda in the past, including one from Sovran Bank/Union City in Quincy, California before Youlanda was approved for the $176000 by Plumas Bank
Youlanda made 7 previous attempts to obtain a private loan, 2 of which were with Sovran Bank/Union City, a lender in Quincy, California known to specialize in private loans specifically. Prior to finding Plumas Bank, Youlanda was very concerned due to their inexperience and good credit rating.
Before applying for this private loan, Youlanda had an Experian score of 643, which is good, so Plumas Bank most likely can provide Youlanda a private loan
Youlanda’s Overall FICO score at the time of acceptance for a private loan, taking into account their mine cutting machine operator job and their future career as a retail sales department supervisor
Conclusion of Youlanda’s private loan
In the end, Youlanda was able to find a private loan for $176000 with an interest rate of 11.2% interest APR from Plumas Bank in Quincy, California repayable over 1 years from now.