Our latest client needs a fast emergency loan of $1000 to avoid being evicted from his apartment. He lives in Anaheim, California and works at the Disney complex here in Anaheim. He apparently is very good at managing his finances and always pays his bills on time. He only has one credit card and no balance on the card. Everything considered, he has a good credit rating and with is job at Disney should qualify for the loan that he has applied for.
He needs the money to pay his rent at the end of the month. He used the money he normally saves for the rent to pay for repairs for his car instead of placing this expense on his credit card and then paying this credit card debt next month when the credit card statement arrives. This would have been a typical cash flow issue that is easily resolved. For whatever reason he did not use his credit card and now needs an emergency loan to pay the rent. He cannot charge the rent to his credit card.
His landlord apparently is pretty difficult and if tenants are late with the rent, he immediately starts eviction action against his tenants. We are not sure why he does this, but it seems a bit of an overreaction for tenants that have a good history or always paying their rent on time. Tenants should be aware that they have rights and that this kind of action is really uncalled for. If he does proceed with the eviction, the tenant’s credit rating will take a hit because it will record the fact that they have not paid their rent on time. It is very important to pay all of your bills on time, the rent in this case to maintain an excellent credit rating.
The payments for this emergency loan have been calculated based on a bi-weekly payment schedule coinciding with his pay schedule. The payments have also been spread over a one year period to give the borrower low payments making it easier for him to meet the monthly payments. He also has the privilege of paying the loan off more quickly and in fact could pay the loan after one month’s time if he is able to come up with the funds. There will be additional processing fees for this loan which have not been shown as part of the monthly payments.
DEFAULT LOAN APPLICATION FOR BORROWER’S INFORMATION
Emergency Loan Amount :: $1000
Emergency Loan Application and Processing Speed (when do you need the funds):: today or tomorrow if possible
Do you currently have a loan? :: no
What City/Town, State and County do you live in? :: South Harbor Boulevard
Zip :: 92805
What is your employment field? :: Tourism
Employment Position :: guest manager at Disney
When are you paid? (monthly/weekly/biweekly):: biweekly
Your credit rating to be – excellent, fair, or bad? :: fair as far as I know
How did you find us? :: searching using Google from home
How are you paid? (direct deposit/paper check):: direct deposit
Gross Amount Per Paycheck ::$1200
Do you agree to have this information published online, without your PRIVATE information of course? :: yes, I guess so, but the reason I am doing this online is to maintain my privacy, so please keep all personal information private
Extra information here please (some detail):: I use my car to get back and forth to work and just had to pay over a thousand dollars for the repairs. If I cannot use my car, I will not be able to get back and forth to work and will lose my job. I used the money that I had saved for the month for my rent to pay for the car repairs and now I do not have enough to cover my rent at the end of the month. My landlord is pretty tough and has told all of his tenants that if we miss one month’s rent he will start eviction procedures against us. He does not have time nor the patience to deal with people that do not pay the rent on time.
I really like the place I am in and will put up with this landlord because the apartment is so nice. However if I do not have the money at the end of the month, I will be evicted and that will be a huge problem for me.
Note to Lender :: regarding my job, I have been working at Disney at the Anaheim Park for the past 2 years and really enjoy working there. The working conditions are great, the pay is ok and I have fun while working on the job. More money would be nice, but I think it is more important to enjoy life. Never the less it puts me in a position of needing a fast emergency loan to avoid being evicted. I am going to have to ask for a raise or find a better paying job, because I cannot continue living on the edge like this.
I have never missed a payment and only have one credit card. My credit rating should be pretty good as a result. Can you help with this emergency loan that I need to avoid eviction? I need to know today so that I can make other arrangements if you cannot lend me the money.
|Category: Home Mortgage Loan||APR 12%||APR 14%||APR 16%|
|Length of Term||1||1||1|
|Amount to be paid||$1062.31||$1072.69||$1083.08|
|Total interest paid||$62.31||$72.69||$83.08|
|Paid per installment||$40.75||$41.14||$41.54|
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