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14 Month, Variable Interest Signature Loan For Nelly In California

$39000 Signature Loan – San Francisco California, Credit Rating Of 504

  • Experian: 522 – This client had a fair Experian score
  • Transunion: 489 – Nelly had a fair credit rating with Transunion.
  • Equifax: Nelly’s Experian score was 504, which is a fair credit rating using the Experian scale.

Multiple other requests for credit have been made by Nelly in the past, including one from Gallitzin Savings and Loan Association in San Francisco, California before Nelly was approved for the $39000 by Wells Fargo HSBC Trade Bank, National Association

Nelly made 5 prior attempts to obtain a signature loan, 2 of which were with Gallitzin Savings and Loan Association, a lending institution in San Francisco, California known to specialize in signature loans specifically. Before finding Wells Fargo HSBC Trade Bank, National Association, Nelly was very concerned due to their inexperience and fair credit rating.

Nelly has a sad current yearly income, but has a high number of prospects

Nelly has always wanted to be a community welfare worker, but would have to attend Wayne State University again to achieve it. Nelly has other prospects as well, including audiovisual production specialist, environmental science technician, and camp director, which pay $50,000 through to $91,000 per year, at least. For this reason, we think that Nelly can pay for this signature loan of $39000.

Personal Loan for a sales representitive named Nelly in San Francisco, California to Pay Off Colorado State University Credit Cards

Nelly had a lot of credit card debt on their Steuben Trust Visa Business Card and their RBC RateAdvantage Visa, and they were starting to get in over their heads. Despite Nelly’s job as a sales representitive, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Nelly Archey of San Francisco, California
  • Full name (Changed if requested): Nelly Archey
  • Current Credit: loans.hit.utils.Fico@579bb367
  • Current City: San Francisco
  • State: California
  • Zip code: 94115
  • Yearly income: $31,000
  • Current Job: sales representitive
  • Current County: San Francisco
  • Goal Yearly Income: $106,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Before applying for this signature loan, Nelly had an Experian score of 522, which is fair, so Wells Fargo HSBC Trade Bank, National Association likely cannot provide Nelly a signature loan

Experian Score: 522

Installment loan for Nelly, a graduate of Wayne State University and a sales representitive working for over $66,000 per year

Nelly, an alumnus at Wayne State University and a sales representitive in San Francisco, California wants a signature loan to purchase something frivolous. Nelly has instead chosen to get an installment loan for $13,000 and is currently seeking lenders like Mechanics Bank to provide it.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $22,000.00 to $53,000.00. They are typically used to pay off existing high interest loans like credit cards. Nelly needed a debt consolidation loan to pay for their existing signature loan and their credit card. Nelly was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your dirty, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.6%.

When Nelly was 24, they tried to obtain a student loan from 5 different banks, which damaged their credit rating. Below is a list of Nelly’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on October 11, 2008
  • Attempt 2) Loan for $29,000.00 on August 31, 2009
  • Attempt 3) Loan for $38,000.00 on March 14, 2010
  • Attempt 4) Loan for $21,000.00 on January 18, 2012
  • Attempt 5) Loan for $22,000.00 on September 3, 2012

Paraphrased and Standardized Quote from Nelly for this signature loan of $39000, provided by Wells Fargo HSBC Trade Bank, National Association

Hi, I am Nelly and my hometown is San Francisco in California. San Francisco, county is where I grew up, and now I need a signature loan in California for $39000 to pay bills. It has been difficult, but Wells Fargo HSBC Trade Bank, National Association really came through for me with this loan for 8.2% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Wells Fargo HSBC Trade Bank, National Association for giving me a chance and my fair credit. It look me 4 years to build my credit to 504, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.

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

Fast loans in San Francisco, California aren’t actually that difficult to obtain, especially if you have some finesse like Nelly. Nelly was able to find a fast loan for $39000 from Farmers and Merchants Bank of Long Beach and Citizens State Bank of Santa Paula, but declined both offers in favor of their signature loan from Wells Fargo HSBC Trade Bank, National Association. 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. An improvement in the case that a client is in a pinch.

Contact Details for Wells Fargo HSBC Trade Bank, National Association, the provider of this signature loan

  • Wells Fargo HSBC Trade Bank, National Association
  • City: San Francisco
  • State: California
  • Address: 1 Front Street, 21st Floor
  • County: San Francisco
  • Zip code: 94111

Nelly’s Transunion score was changed by the signature loan loan, changing to 489 from 504, which is typical in our experience.

Transunion Score: 489

Nelly was rejected by Wells Fargo Bank, National Association 5 times before being approved by Wells Fargo HSBC Trade Bank, National Association at 1 Front Street, 21st Floor

On January 24, 2009, Nelly applied about borrowing $1,000 from U.S. Bank of California with Ruthann, their friend from just outside San Francisco, and even with the co-signer, Nelly was rejected for this signature loan. With fair credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Previous requests on Nelly’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$145840.00 6 7.5% $2521.59 Santa Monica Bank October 12, 2010
$146140.00 11 11.3% $1938.79 Farmers and Merchants Bank of Long Beach September 21, 2013
$146120.00 3 8.2% $4592.36 First Interstate Bank of California February 23, 2014
$146210.00 9 10.2% $2074.31 Union Bank September 18, 2014

Nelly’s Overall FICO score at the time of acceptance for a signature loan, taking into account their sales representitive job and their future career as a community welfare worker

Fico Score: 504

7 Months in the Past, Nelly Tried to Find a High Risk Loan for $27,000.00, and it was Hard

There is an existing struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Nelly. Nelly chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Clients with credit scores as low as 515 can apply for a high risk loan and have a chance to be accepted.

Signature Loan easily acquired in San Francisco, California for $39000 with fair credit by Nelly

A lot of prospective borrowers have difficulty with finding signature loans in San Francisco, California, and Nelly is no exception. Nelly went to 7 lenders or more prior to settling on Wells Fargo HSBC Trade Bank, National Association, who offered Nelly a signature loan for $39000. Most signature loans simply need a client, like Nelly’s signature to obtain them, up to $28,000 in some cases. Nelly was able to get $39000 as a signature loan, which is very high for a signature loan. Since signature loans don’t need a cosigner, they generally require improved credit, as high as 786

Conclusion of Nelly’s signature loan

In the end, Nelly was able to find a signature loan for $39000 with an interest rate of 10.6% interest APR from Wells Fargo HSBC Trade Bank, National Association in San Francisco, California repayable over 14 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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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.