$105000 No Collateral Loan – Primghar Iowa, Credit Score Of 726
- Experian: 745 – The client had an excellent Experian score
- Transunion: 709 – Birdie had an excellent credit rating with Transunion.
- Equifax: Birdie’s Experian score was 726, which is an excellent credit rating using the Experian scale.
Birdie’s Transunion score was altered by the no collateral loan loan, changing to 709 from 726, which is normal in our experience.
8 Months Ago, Birdie Attempted Finding a High Risk Loan for $34,000.00, and it was Easy
There is an existing struggle for borrowers to get 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 Birdie. Birdie decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit borrowers. Clients with credit scores as low as 454 can apply for a high risk loan and possibly can be approved.
Birdie’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their electrical parts reconditioner job and their future job as a tax accountant
- Full name (Changed if requested): Birdie Sagona
- Current Credit: loans.hit.utils.Fico@7cd84586
- Current City: Primghar
- State: Iowa
- Zip code: 51249
- Yearly income: $46,000
- Current Job: electrical parts reconditioner
- Current County: O’brien
- Goal Yearly Income: $86,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $22,000.00 to $56,000.00. They are typically used to pay off existing high interest loans like credit cards. Birdie needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Birdie was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.8%.
Birdie was rejected by Peoples Bank and Trust Company 4 times before being accepted by Savings Bank at 185 S Green Avenue
On October 13, 2012, Birdie applied about borrowing $13,000 from Manson State Bank with Jessenia, their friend from just outside Primghar, and even with the co-signer, Birdie was rejected for this no collateral loan. With excellent credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Birdie has a sad current yearly income, but has a high number of prospects
Birdie has always wanted to be a tax accountant, but would have to attend Cortiva Institute – Brian Utting School of Massage again to achieve it. Birdie has other prospects as well, including sales representative, non-retail sales supervisor, and mining machine operator, which pay $51,000 through to $98,000 per year, at least. Because of this, we believe that Birdie can afford this no collateral loan of $105000.
Paraphrased and Standardized Quote from Birdie for this no collateral loan of $105000, provided by Savings Bank
Hello, I am Birdie and my hometown is Primghar in Iowa. O’brien, county is where I grew up, and now I need a no collateral loan in Iowa for $105000 to buy a big ticket item. It wasn’t easy, but Savings Bank really came through for me with this loan for 10.5% interest APR and a term of 11 years. I can repay the loan over the 11 year term, including interest. A big thanks to Savings Bank for trusting me and my excellent credit. It look me 7 years to create my credit to 726, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.
When Birdie was 21, they attempted to obtain a student loan from 4 alternate lenders, which damaged their credit rating. Below is a list of Birdie’s prior attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on January 28, 2013
- Attempt 2) Loan for $37,000.00 on July 31, 2012
- Attempt 3) Loan for $26,000.00 on September 10, 2010
- Attempt 4) Loan for $25,000.00 on March 11, 2012
Signature Loan acquired in Primghar, Iowa for $105000 with excellent credit by Birdie
A lot of borrowers have difficulty with finding signature loans in Primghar, Iowa, and Birdie is no different. Birdie went to 5 lenders or more before settling on Savings Bank, who offered Birdie a signature loan for $105000. Typical signature loans simply need a client, like Birdie’s signature to get them, up to $22,000 in some cases. Birdie was able to get $105000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not require a cosigner, they tend to require improved credit, as high as 775
Previous requests on Birdie’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$15850.00||10||5.2%||$169.67||Mills County Bank National Association||July 12, 2013|
|$16100.00||10||6.1%||$179.55||Postville State Bank||January 5, 2015|
|$16240.00||6||11.4%||$312.45||Washington State Bank||March 22, 2015|
|$16420.00||10||11.5%||$230.86||Rippey Savings Bank||June 28, 2015|
|$16480.00||6||7.3%||$283.35||Iowa State Bank||September 14, 2015|
Multiple past requests for credit have been made by Birdie in the past, including one from Southeast Bank, National Association in Primghar, Iowa before Birdie was accepted for the $105000 by Savings Bank
Birdie made 9 previous attempts to obtain a no collateral loan, 2 of which were with Southeast Bank, National Association, a lending institution in Primghar, Iowa known to specialize in no collateral loans specifically. Prior to finding Savings Bank, Birdie was desperate due to their inexperience and excellent credit score.
Before applying for this no collateral loan, Birdie had an Experian score of 745, which is excellent, so Savings Bank probably cannot provide Birdie a no collateral loan
Installment loan for Birdie, a graduate of Cortiva Institute – Brian Utting School of Massage and an electrical parts reconditioner working for over $70,000 per year
Birdie, an alumnus at Cortiva Institute – Brian Utting School of Massage and an electrical parts reconditioner in Primghar, Iowa wants a no collateral loan to purchase a car. Birdie has instead chosen to get an installment loan for $15,000 and is at present seeking lenders like Mills County Bank National Association to process their request.
Personal Loan for an electrical parts reconditioner named Birdie in Primghar, Iowa to Pay Off MLB BankAmericard Cash Rewards MasterCard
Birdie had a lot of credit card debt on their BankFIRST Visa Platinum Card and their Saint Leo University Credit Card, and they were starting to get in over their heads. Despite Birdie’s job as an electrical parts reconditioner, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Fast Loans for Birdie in Primghar, Iowa to prevent bankruptcy or harm from debt collectors.
Fast loans in Primghar, Iowa aren’t actually that difficult to obtain, especially if you have some finesse like Birdie. Birdie was able to find a fast loan for $105000 from Farmers State Bank and Manson State Bank, but turned down both offers in favor of their no collateral loan from Savings Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. Much better if a borrower is in a pinch.
Contact Details for Savings Bank, the provider of this no collateral loan
- Savings Bank
- City: Primghar
- State: Iowa
- Address: 185 S Green Avenue
- County: O’brien
- Zip code: 51245
Conclusion of Birdie’s no collateral loan
In the end, Birdie was able to find a no collateral loan for $105000 with an interest rate of 7.0% interest APR from Savings Bank in Primghar, Iowa repayable over 11 years from today.