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Low Rate Consolidation Loan For Ladonna In Walton, New York

$132000 Consolidation Loan – Walton New York, Credit Rating Of 770

  • Experian: 787 – This individual had an excellent Experian score
  • Transunion: 755 – Ladonna had an excellent credit score with Transunion.
  • Equifax: Ladonna’s Experian score was 770, which is an excellent credit score using the Experian rating scheme.

When Ladonna was 22, they attempted to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a list of Ladonna’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on May 13, 2011
  • Attempt 2) Loan for $38,000.00 on August 10, 2012
  • Attempt 3) Loan for $38,000.00 on April 26, 2010
  • Attempt 4) Loan for $29,000.00 on March 8, 2009
  • Attempt 5) Loan for $34,000.00 on October 22, 2009
  • Attempt 6) Loan for $21,000.00 on December 7, 2013

Paraphrased and Standardized Quote from Ladonna for this consolidation loan of $132000, provided by The National Bank of Delaware County

Hi, I am Ladonna and I’m from Walton in New York. Delaware, county is where I grew up, and now I need a consolidation loan in New York for $132000 to buy a car. It wasn’t easy, but The National Bank of Delaware County really came through for me with this loan for 6.4% interest APR and a term of 17 years. I can probably repay the loan over the 17 year term, including interest. A big thanks to The National Bank of Delaware County for trusting me and my excellent credit. It look me 7 years to build my credit to 770, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Installment loan for Ladonna, a graduate of University of Nebraska Medical Center and a fence installer working for over $76,000 per year

Ladonna, an alumnus at University of Nebraska Medical Center and a fence installer in Walton, New York needs a consolidation loan to purchase a new cell phone. Ladonna has instead decided to obtain an installment loan for $5,000 and is currently seeking lenders like The Bank of New York Mellon to process their request.

Ladonna’s Transunion score was changed by the consolidation loan loan, changing to 755 from 770, which is typical in our experience.

Transunion Score: 755

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

Most debt consolidation loans range from $20,000.00 to $59,000.00. They are normally used to pay off existing high interest loans like credit cards. Ladonna required a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Ladonna was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.7%.

Client Profile: Ladonna Minix of Walton, New York
  • Full name (Changed if requested): Ladonna Minix
  • Current Credit: loans.hit.utils.Fico@377dca04
  • Current City: Walton
  • State: New York
  • Zip code: 13861
  • Yearly income: $60,000
  • Current Job: fence installer
  • Current County: Delaware
  • Goal Yearly Income: $99,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

6 Months Ago, Ladonna Tried to Find a High Risk Loan for $33,000.00, and it was Hard

There is an existing struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Ladonna. Ladonna decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Borrowers with credit scores as low as 499 can apply for a high risk loan and have a chance to be approved.

Previous requests on Ladonna’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$94410.00 5 10.5% $2029.24 Bankers Trust Company of Albany, National Association November 26, 2012
$94150.00 3 9.2% $3002.72 Montgomery County Trust Company January 12, 2013
$94180.00 7 9.2% $1524.85 Bank of Avoca May 27, 2013
$93580.00 10 7.2% $1096.21 The State Bank of Belmont April 24, 2014
$93900.00 6 9.1% $1697.26 Fleet Bank of New York, National Association May 10, 2014

Ladonna has a sad current gross income, but has a large amount of prospects

Ladonna has always wanted to be a vocational education instructors college, but would need attend University of Nebraska Medical Center again to achieve it. Ladonna has other possibilities as well, including food batchmaker, computer programmer, and family caseworker, which pay $57,000 through to $93,000 per year, at least. For this reason, we think that Ladonna can afford this consolidation loan of $132000.

Signature Loan acquired in Walton, New York for $132000 with excellent credit by Ladonna

Many borrowers struggle with finding signature loans in Walton, New York, and Ladonna is no exception. Ladonna went to 6 lenders or more prior to settling on The National Bank of Delaware County, who offered Ladonna a signature loan for $132000. Most signature loans simply require a client, like Ladonna’s signature to get them, up to $47,000 in some cases. Ladonna was able to get $132000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not need collateral, they generally require higher credit, as high as 772

Contact Details for The National Bank of Delaware County, the provider of this consolidation loan

  • The National Bank of Delaware County
  • City: Walton
  • State: New York
  • Address: 131-135 Delaware Street
  • County: Delaware
  • Zip code: 13856

Several past requests for credit have been made by Ladonna in the past, including one from The Hondo National Bank in Walton, New York before Ladonna was approved for the $132000 by The National Bank of Delaware County

Ladonna made 4 previous attempts to obtain a consolidation loan, 2 of which were with The Hondo National Bank, a lender in Walton, New York known to specialize in consolidation loans specifically. Prior to finding The National Bank of Delaware County, Ladonna was desperate due to their inexperience and excellent credit score.

Ladonna’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their fence installer job and their future job as a vocational education instructors college

Fico Score: 770

Before applying for this consolidation loan, Ladonna had an Experian score of 787, which is excellent, so The National Bank of Delaware County probably can provide Ladonna a consolidation loan

Experian Score: 787

Personal Loan for a fence installer named Ladonna in Walton, New York to Pay Off Minnesota Twins BankAmericard Cash Rewards MasterCard

Ladonna had a lot of credit card debt on their American State Bank Visa Card and their Amalgamated Bank MasterCard Gold, and they were starting to get in over their heads. Despite Ladonna’s job as a fence installer, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Ladonna in Walton, New York to prevent bankruptcy or harm from debt collectors.

Fast loans in Walton, New York aren’t actually that difficult to obtain, especially if you have some gumption like Ladonna. Ladonna was able to find a fast loan for $132000 from First State Bank and The Bank of New York Mellon, but turned down both offers in favor of their consolidation loan from The National Bank of Delaware County. 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 debt consolidation loans. An improvement if a client is in a time sensitive situation.

Ladonna was declined by Lewis County Trust Company 4 times prior to being accepted by The National Bank of Delaware County at 131-135 Delaware Street

On April 1, 2013, Ladonna applied about borrowing $19,000 from Partners Trust Municipal Bank with Normand, their friend from just outside Walton, and even with the co-signer, Ladonna was rejected for this consolidation loan. With excellent credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Conclusion of Ladonna’s consolidation loan

In the end, Ladonna was able to find a consolidation loan for $132000 with an interest rate of 6.5% interest APR from The National Bank of Delaware County in Walton, New York repayable over 17 years from today.

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.