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Direct Loan With Low APR In Warren County, New York

$164000 Direct Loan – Glens Falls New York, Credit Score Of 681

  • Experian: 691 – They had a good Experian score
  • Transunion: 663 – Pamala had a good credit score with Transunion.
  • Equifax: Pamala’s Experian score was 681, which is a good credit rating using the Experian system.

When Pamala was 19, they attempted to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a chronology of Pamala’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on January 7, 2011
  • Attempt 2) Loan for $21,000.00 on January 27, 2010
  • Attempt 3) Loan for $38,000.00 on April 24, 2014
  • Attempt 4) Loan for $24,000.00 on November 2, 2011

Pamala’s Overall FICO score at the time of acceptance for a direct loan, taking into account their sales representitive job and their future career as a forest fire prevention supervisor

Fico Score: 681

Previous requests on Pamala’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$128220.00 6 8.4% $2273.24 Bankers Trust Company of Albany, National Association July 26, 2012
$128450.00 5 5.2% $2435.8 Montgomery County Trust Company August 2, 2012
$128200.00 7 10.7% $2174.93 Bank of Avoca August 13, 2013
$128210.00 7 6.4% $1897.65 The State Bank of Belmont June 16, 2014

Pamala’s Transunion score was altered by the direct loan loan, changing to 663 from 681, which is normal in our experience.

Transunion Score: 663

7 Months Ago, Pamala Tried to Find a High Risk Loan for $27,000.00, and it was Hard

There is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Pamala. Pamala chose not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Borrowers with credit scores as low as 483 can inquire for a high risk loan and have a chance to be accepted.

Client Profile: Pamala Pulizzi of Glens Falls, New York
  • Full name (Changed if requested): Pamala Pulizzi
  • Current Credit: loans.hit.utils.Fico@cc34f4d
  • Current City: Glens Falls
  • State: New York
  • Zip code: 12808
  • Yearly income: $35,000
  • Current Job: sales representitive
  • Current County: Warren
  • Goal Yearly Income: $111,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Installment loan for Pamala, a graduate of Aurora University and a sales representitive working for over $60,000 per year

Pamala, an alumnus at Aurora University and a sales representitive in Glens Falls, New York wants a direct loan to purchase a new cell phone. Pamala has instead decided to obtain an installment loan for $29,000 and is at present seeking lenders like Trade Bank and Trust Company to process their request.

Pamala has a disappointing current gross income, but has several of prospects

Pamala has always wanted to be a forest fire prevention supervisor, but would have to attend Aurora University again to become one. Pamala has other possibilities as well, including farm products purchasing agent, set illustrator, and chief financial officer, which pay $51,000 through to $106,000 per year, on average. For this reason, we believe that Pamala can pay for this direct loan of $164000.

Pamala was rejected by The Bank of New York 7 times before being accepted by Glens Falls National Bank and Trust Company at 250 Glen Street

On July 18, 2010, Pamala applied about borrowing $11,000 from Lewis County Trust Company with Napoleon, their in law from just outside Glens Falls, and even with the co-signer, Pamala was rejected for this direct loan. With good credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Pamala for this direct loan of $164000, provided by Glens Falls National Bank and Trust Company

Hi, I am Pamala and my hometown is Glens Falls in New York. Warren, county is where I grew up, and now I need a direct loan in New York for $164000 to pay bills. It has been difficult, but Glens Falls National Bank and Trust Company really came through for me with this loan for 7.2% interest APR and a term of 18 years. I can probably repay the loan over the 18 year term, including interest. A big thanks to Glens Falls National Bank and Trust Company for trusting me and my good credit. It look me 7 years to build my credit to 681, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $32,000.00 to $41,000.00. They are typically used to pay off existing high interest loans like credit cards. Pamala required a debt consolidation loan to pay for their existing direct loan and their credit card. Pamala was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.6%.

Fast Loans for Pamala in Glens Falls, New York to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Glens Falls, New York aren’t actually that difficult to obtain, particularly if you have some gumption like Pamala. Pamala was able to find a fast loan for $164000 from Amalgamated Bank and IBJ Whitehall Bank & Trust Company, but declined both offers in favor of their direct loan from Glens Falls National Bank and Trust Company. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement in the case that you are in a time sensitive situation.

Before applying for this direct loan, Pamala had an Experian score of 691, which is good, so Glens Falls National Bank and Trust Company most likely can provide Pamala a direct loan

Experian Score: 691

Contact Details for Glens Falls National Bank and Trust Company, the provider of this direct loan

  • Glens Falls National Bank and Trust Company
  • City: Glens Falls
  • State: New York
  • Address: 250 Glen Street
  • County: Warren
  • Zip code: 12801

Signature Loan easily acquired in Glens Falls, New York for $164000 with good credit by Pamala

Many prospective borrowers struggle with finding signature loans in Glens Falls, New York, and Pamala is no exception. Pamala went to 7 lending institutions or more prior to settling on Glens Falls National Bank and Trust Company, who offered Pamala a signature loan for $164000. Typical signature loans simply require a client, like Pamala’s signature to obtain them, up to $30,000 in some cases. Pamala was able to get $164000 as a direct loan, which is very high for a direct loan. Since signature loans don’t require a cosigner, they tend to require higher credit, as high as 735

Personal Loan for a sales representitive named Pamala in Glens Falls, New York to Pay Off America’s Christian Credit Union Platinum Visa

Pamala had a lot of credit card debt on their M&T Visa Signature Credit Card and their Avianca LifeMiles Visa Secured Card, and they were starting to get in over their heads. Despite Pamala’s job as a sales representitive, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Many other requests for credit have been made by Pamala in the past, including one from Flagship Bank of Charlotte County in Glens Falls, New York before Pamala was approved for the $164000 by Glens Falls National Bank and Trust Company

Pamala made 4 prior attempts to obtain a direct loan, 2 of which were with Flagship Bank of Charlotte County, a lending institution in Glens Falls, New York known to specialize in direct loans specifically. Before finding Glens Falls National Bank and Trust Company, Pamala was very concerned due to their inexperience and good credit score.

Conclusion of Pamala’s direct loan

In the end, Pamala was able to find a direct loan for $164000 with an interest rate of 8.7% interest APR from Glens Falls National Bank and Trust Company in Glens Falls, New York repayable over 18 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.