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2 Year, Fixed Interest Signature Loan For Elin In Oregon

$140000 Signature Loan – Lake Oswego Oregon, Credit Score Of 734

  • Experian: 753 – The client had an excellent Experian score
  • Transunion: 717 – Elin had an excellent credit score with Transunion.
  • Equifax: Elin’s Experian score was 734, which is an excellent credit rating with the Experian rating scheme.

When Elin was 22, they tried to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a list of Elin’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on May 21, 2009
  • Attempt 2) Loan for $28,000.00 on February 12, 2009
  • Attempt 3) Loan for $34,000.00 on August 30, 2011
  • Attempt 4) Loan for $20,000.00 on March 21, 2013
  • Attempt 5) Loan for $30,000.00 on November 20, 2011
  • Attempt 6) Loan for $26,000.00 on January 22, 2010

7 Months in the Past, Elin Tried Finding a High Risk Loan for $29,000.00, and it was Hard

There is an existing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Elin. Elin decided not to obtain 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 549 can inquire for a high risk loan and may be be approved.

Many past requests for credit have been made by Elin in the past, including one from Unity Bank North in Lake Oswego, Oregon before Elin was accepted for the $140000 by West Coast Bank

Elin made 6 previous tries to obtain a signature loan, 2 of which were with Unity Bank North, a lender in Lake Oswego, Oregon known to specialize in signature loans specifically. Prior to finding West Coast Bank, Elin was concerned due to their inexperience and excellent credit rating.

Elin’s Transunion score was changed by the signature loan loan, changing to 717 from 734, which is normal in our experience.

Transunion Score: 717

Installment loan for Elin, a graduate of University of Iowa and a field contractor working for over $77,000 per year

Elin, an alumnus at University of Iowa and a field contractor in Lake Oswego, Oregon wants a signature loan to purchase something frivolous. Elin has instead chosen to obtain an installment loan for $17,000 and is at present seeking lenders like Bank of St. Helens to process their request.

Fast Loans for Elin in Lake Oswego, Oregon to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Lake Oswego, Oregon aren’t actually that difficult to obtain, especially if you have some gumption like Elin. Elin was able to find a fast loan for $140000 from Umpqua National Bank and Pacific Western Bank, but turned down both offers in favor of their signature loan from West Coast Bank. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big improvement if you are on the go.

Client Profile: Elin Jozwick of Lake Oswego, Oregon
  • Full name (Changed if requested): Elin Jozwick
  • Current Credit: loans.hit.utils.Fico@4ccabbaa
  • Current City: Lake Oswego
  • State: Oregon
  • Zip code: 97043
  • Yearly income: $52,000
  • Current Job: field contractor
  • Current County: Clackamas
  • Goal Yearly Income: $133,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Before applying for this signature loan, Elin had an Experian score of 753, which is excellent, so West Coast Bank likely can provide Elin a signature loan

Experian Score: 753

Personal Loan for a field contractor named Elin in Lake Oswego, Oregon to Pay Off Valero Consumer Credit Card

Elin had a lot of credit card debt on their TD First Class Visa Signature Credit Card and their Holland America Line Rewards Visa Card, and they were starting to get in over their heads. Despite Elin’s job as a field contractor, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $25,000.00 to $52,000.00. They are mainly used to pay off existing high interest loans like credit cards. Elin required a debt consolidation loan to pay for their existing signature loan and their loan shark loan. Elin was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.8%.

Elin’s Overall FICO score at the time of acceptance for a signature loan, taking into account their field contractor job and their future career as a catering administrator

Fico Score: 734

Previous requests on Elin’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$112280.00 5 8.3% $2292.79 Polk County State Bank August 14, 2010
$112240.00 6 5.1% $1812.83 Pacific Western Bank May 25, 2012
$112430.00 6 8.4% $1993.29 West Coast Bank December 19, 2012
$112170.00 8 11.2% $1774.14 The Valley National Bank of Oregon October 9, 2013
$112490.00 5 8.7% $2318.76 Umpqua National Bank February 28, 2014

Contact Details for West Coast Bank, the provider of this signature loan

  • West Coast Bank
  • City: Lake Oswego
  • State: Oregon
  • Address: 5335 Sw Meadows Road, Suite 201
  • County: Clackamas
  • Zip code: 97035

Paraphrased and Standardized Quote from Elin for this signature loan of $140000, provided by West Coast Bank

Hello, I am Elin and I’m from Lake Oswego in Oregon. Clackamas, county is where I grew up, and now I need a signature loan in Oregon for $140000 to buy a car. It wasn’t easy, but West Coast Bank really came through for me with this loan for 10.4% interest APR and a term of 2 years. I will repay the loan over the 2 year term, including interest. A big thanks to West Coast Bank for trusting me and my excellent credit. It look me 4 years to create my credit to 734, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.

Elin was not approved by Umpqua Bank 4 times prior to being granted funding by West Coast Bank at 5335 Sw Meadows Road, Suite 201

On September 3, 2012, Elin inquired about borrowing $26,000 from West One Bank, Oregon with Neva, their in law from just outside Lake Oswego, and even with the co-signer, Elin was rejected for this signature loan. With excellent credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Elin has a sad current yearly income, but has several of prospects

Elin has always wanted to be a catering administrator, but would have to attend University of Iowa again to become one. Elin has other prospects as well, including casino floor person, benefits manager, and fashion artist, which pay $55,000 through to $101,000 per year, at least. For this reason, we believe that Elin can afford this signature loan of $140000.

Signature Loan easily acquired in Lake Oswego, Oregon for $140000 with excellent credit by Elin

A lot of prospective borrowers have difficulty with obtaining signature loans in Lake Oswego, Oregon, and Elin is no different. Elin went to 7 lending institutions or more prior to finding West Coast Bank, who offered Elin a signature loan for $140000. Most signature loans simply need a client, like Elin’s signature to obtain them, up to $48,000 in some cases. Elin was able to get $140000 as a signature loan, which is very high for a signature loan. Because signature loans don’t need a cosigner, they tend to require better credit, as high as 729

Conclusion of Elin’s signature loan

In the end, Elin was able to find a signature loan for $140000 with an interest rate of 11.4% interest APR from West Coast Bank in Lake Oswego, Oregon repayable over 2 years from now.

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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