$156000 Private Loan – Avalon California, Credit Score Of 689
- Experian: 707 – This client had a good Experian rating
- Transunion: 671 – Doyle had a good credit score with Transunion.
- Equifax: Doyle’s Experian score was 689, which is a good credit score on the Experian system.
When Doyle was 20, they tried to obtain a student loan from 7 alternate lenders, which damaged their credit rating. Below is a chronology of Doyle’s prior attempts at finding a student loan:
- Attempt 1) Loan for $39,000.00 on February 10, 2011
- Attempt 2) Loan for $31,000.00 on July 16, 2010
- Attempt 3) Loan for $24,000.00 on December 19, 2008
- Attempt 4) Loan for $23,000.00 on May 25, 2010
- Attempt 5) Loan for $27,000.00 on November 16, 2009
- Attempt 6) Loan for $21,000.00 on September 11, 2011
- Attempt 7) Loan for $36,000.00 on February 3, 2009
Signature Loan found in Avalon, California for $156000 with good credit by Doyle
Many borrowers struggle with finding signature loans in Avalon, California, and Doyle is not an exception. Doyle went to 8 lending institutions or more before finding National Bank of Catalina, who offered Doyle a signature loan for $156000. Most signature loans simply require a client, like Doyle’s signature to get them, up to $27,000 in some cases. Doyle was able to get $156000 as a private loan, which is very high for a private loan. Because signature loans do not require collateral, they generally need better credit, as high as 760
Paraphrased and Standardized Quote from Doyle for this private loan of $156000, provided by National Bank of Catalina
Hello, I am Doyle and my hometown is Avalon in California. Los Angeles, county is where I grew up, and now I need a private loan in California for $156000 to pay bills. It wasn’t easy, but National Bank of Catalina really came through for me with this loan for 10.0% interest APR and a term of 22 years. I will repay the loan over the 22 year term, including interest. A big thanks to National Bank of Catalina for trusting me and my good credit. It look me 8 years to create my credit to 689, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.
Doyle’s Transunion score was changed by the private loan loan, changing to 671 from 689, which is normal in our experience.
Installment loan for Doyle, a graduate of The Institute for Health Education and a horticulturist working for over $62,000 per year
Doyle, an alumnus at The Institute for Health Education and a horticulturist in Avalon, California wants a private loan to purchase a house. Doyle has instead chosen to obtain an installment loan for $3,000 and is at present seeking lenders like Farmers and Merchants Bank of Long Beach to provide it.
- Full name (Changed if requested): Doyle Suominen
- Current Credit: loans.hit.utils.Fico@4d405ef7
- Current City: Avalon
- State: California
- Zip code: 90706
- Yearly income: $51,000
- Current Job: horticulturist
- Current County: Los Angeles
- Goal Yearly Income: $86,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Personal Loan for a horticulturist named Doyle in Avalon, California to Pay Off Smith Barney Platinum Select MasterCard
Doyle had a tonne of credit card debt on their BankFIRST Young Adult Visa Card and their Fidelity Retirement Rewards American Express, and they were starting to get in over their heads. Despite Doyle’s job as a horticulturist, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Multiple past requests for credit have been made by Doyle in the past, including one from Holstein State Bank in Avalon, California before Doyle was accepted for the $156000 by National Bank of Catalina
Doyle made 9 previous attempts to obtain a private loan, 2 of which were with Holstein State Bank, a bank in Avalon, California known to specialize in private loans specifically. Before finding National Bank of Catalina, Doyle was desperate due to their inexperience and good credit rating.
Doyle was declined by Central Bank 5 times before being approved by National Bank of Catalina at 303 Crescent Avenue
On February 24, 2011, Doyle applied about borrowing $11,000 from Bank of Alex Brown with Roxanna, their in law from just outside Avalon, and even with the co-signer, Doyle was rejected for this private loan. With good credit, it can be very hard to obtain funding, even with collateral and a co-signer.
Previous requests on Doyle’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $72300.00 | 9 | 5.6% | $853.78 | Santa Monica Bank | August 6, 2013 |
| $71810.00 | 3 | 10.3% | $2327.23 | Farmers and Merchants Bank of Long Beach | April 14, 2014 |
| $72460.00 | 8 | 8.5% | $1042.85 | First Interstate Bank of California | February 13, 2015 |
| $72370.00 | 8 | 9.1% | $1063.99 | Union Bank | March 5, 2015 |
| $72140.00 | 8 | 9.2% | $1064.37 | Citizens Commercial Trust and Savings Bank of Pasadena | April 26, 2015 |
Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans vary from $33,000.00 to $42,000.00. They are mainly used to pay off existing high interest loans like credit cards. Doyle needed a debt consolidation loan to pay for their existing private loan and their credit card. Doyle was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.2%.
8 Months in the Past, Doyle Attempted to Find a High Risk Loan for $21,000.00, and it was Hard
There is an well known struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Doyle. Doyle decided not to get a high risk loan this time. High Risk loans are given to terrible credit borrowers. Borrowers with credit ratings as low as 558 can apply for a high risk loan and may be be accepted.
Before applying for this private loan, Doyle had an Experian score of 707, which is good, so National Bank of Catalina probably cannot provide Doyle a private loan
Fast Loans for Doyle in Avalon, California to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Avalon, California aren’t actually that difficult to obtain, particularly if you have some gumption like Doyle. Doyle was able to find a fast loan for $156000 from U.S. Bank of California and Citizens Commercial Trust and Savings Bank of Pasadena, but declined both offers in favor of their private loan from National Bank of Catalina. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. An improvement in the case that you are in a time sensitive situation.
Doyle’s Overall FICO score at the time of acceptance for a private loan, taking into account their horticulturist job and their future job as a marine architect
Contact Details for National Bank of Catalina, the provider of this private loan
- National Bank of Catalina
- City: Avalon
- State: California
- Address: 303 Crescent Avenue
- County: Los Angeles
- Zip code: 90704
Doyle has a disappointing current gross income, but has a large amount of prospects
Doyle has always wanted to be a marine architect, but would need attend The Institute for Health Education again to become one. Doyle has other prospects as well, including sales representatives, commercial fisherman, and computer systems engineer, which pay $53,000 through to $90,000 per year, on average. Because of this, we think that Doyle can pay for this private loan of $156000.
Conclusion of Doyle’s private loan
In the end, Doyle was able to find a private loan for $156000 with an interest rate of 7.5% interest APR from National Bank of Catalina in Avalon, California repayable over 22 years from today.
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