$21000 Same Day Loan – Palisades Park New Jersey, Credit Score Of 374
- Experian: 390 – This client had a terrible Experian rating
- Transunion: 361 – Kimberlie had a terrible credit rating with Transunion.
- Equifax: Kimberlie’s Experian score was 374, which is a terrible credit rating on the Experian rating scheme.
Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans vary from $32,000.00 to $50,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kimberlie needed a debt consolidation loan to pay for their existing same day loan and their payday loan. Kimberlie was able to find a same day loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your bad, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 2.7%.
When Kimberlie was 24, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit score. Below is a chronology of Kimberlie’s prior attempts at finding a student loan:
- Attempt 1) Loan for $33,000.00 on October 27, 2013
- Attempt 2) Loan for $34,000.00 on May 8, 2009
- Attempt 3) Loan for $34,000.00 on September 26, 2010
- Attempt 4) Loan for $21,000.00 on March 23, 2012
- Attempt 5) Loan for $33,000.00 on June 15, 2009
Kimberlie was not approved by The Bank of Sussex County 4 times before being approved by BankAsiana at 7 Broad Avenue
On December 11, 2009, Kimberlie applied about borrowing $23,000 from Ridgefield Park Trust Company with Ginger, their in law from just outside Palisades Park, and even with the co-signer, Kimberlie was rejected for this same day loan. With terrible credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Contact Details for BankAsiana, the provider of this same day loan
- City: Palisades Park
- State: New Jersey
- Address: 7 Broad Avenue
- County: Bergen
- Zip code: 7650
Before applying for this same day loan, Kimberlie had an Experian score of 390, which is terrible, so BankAsiana most likely cannot provide Kimberlie a same day loan
Personal Loan for a recreational protective service worker named Kimberlie in Palisades Park, New Jersey to Pay Off Great Basin Federal Credit Union Visa Platinum Credit Card
Kimberlie had a tonne of credit card debt on their AARP Travel Plus Visa Signature Card and their Brooks Brothers Platinum MasterCard, and they were starting to get in over their heads. Despite Kimberlie’s job as a recreational protective service worker, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Several previous requests for credit have been made by Kimberlie in the past, including one from First Federal Savings in Palisades Park, New Jersey before Kimberlie was accepted for the $21000 by BankAsiana
Kimberlie made 7 previous tries to obtain a same day loan, 2 of which were with First Federal Savings, a lending institution in Palisades Park, New Jersey known to specialize in same day loans specifically. Before finding BankAsiana, Kimberlie was very concerned due to their inexperience and terrible credit rating.
Kimberlie’s Transunion score was changed by the same day loan loan, changing to 361 from 374, which is normal in our experience.
Installment loan for Kimberlie, a graduate of Keiser University and a recreational protective service worker working for over $60,000 per year
Kimberlie, an alumnus at Keiser University and a recreational protective service worker in Palisades Park, New Jersey needs a same day loan to purchase a car. Kimberlie has instead chosen to obtain an installment loan for $13,000 and is currently seeking lenders like United Jersey Bank/Central to process their request.
- Full name (Changed if requested): Kimberlie Kreeger
- Current Credit: loans.hit.utils.Fico@6193b845
- Current City: Palisades Park
- State: New Jersey
- Zip code: 7651
- Yearly income: $60,000
- Current Job: recreational protective service worker
- Current County: Bergen
- Goal Yearly Income: $93,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Paraphrased and Standardized Quote from Kimberlie for this same day loan of $21000, provided by BankAsiana
Hi, I am Kimberlie and I am from Palisades Park in New Jersey. Bergen, county is where I grew up, and now I need a same day loan in New Jersey for $21000 to renovate my home. It wasn’t easy, but BankAsiana really came through for me with this loan for 11.3% interest APR and a term of 15 years. I can repay the loan over the 15 year term, including interest. A big thanks to BankAsiana for giving me a chance and my terrible credit. It look me 7 years to create my credit to 374, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.
Previous requests on Kimberlie’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$52810.00||9||8.5%||$701.28||The State Bank of North Jersey||April 26, 2011|
|$52660.00||4||7.7%||$1278.18||Carteret Bank and Trust Company||July 11, 2013|
|$52630.00||3||9.7%||$1690.82||United Jersey Bank/Northwest||December 1, 2013|
|$53300.00||8||5.5%||$687.53||People’s Trust Company||December 3, 2014|
Kimberlie has a disappointing current gross income, but has a high number of prospects
Kimberlie has always wanted to be a solar energy systems designer, but would need attend Keiser University again to become one. Kimberlie has other prospects as well, including broker’s floor representative, oceanographic assistant, and airline flight control administrator, which pay $53,000 through to $106,000 per year, on average. Because of this, we believe that Kimberlie can pay for this same day loan of $21000.
Signature Loan found in Palisades Park, New Jersey for $21000 with terrible credit by Kimberlie
A lot of borrowers have difficulty with obtaining signature loans in Palisades Park, New Jersey, and Kimberlie is no exception. Kimberlie went to 7 lending institutions or more before finding BankAsiana, who offered Kimberlie a signature loan for $21000. Most signature loans simply require a client, like Kimberlie’s signature to obtain them, up to $48,000 in some cases. Kimberlie was able to get $21000 as a same day loan, which is very high for a same day loan. Because signature loans do not need collateral, these loans tend to need higher credit, as high as 758
Fast Loans for Kimberlie in Palisades Park, New Jersey to prevent bankruptcy or harm from debt collectors.
Fast loans in Palisades Park, New Jersey aren’t actually that difficult to obtain, especially if you have some finesse like Kimberlie. Kimberlie was able to find a fast loan for $21000 from United Counties Trust Company and United Jersey Bank/Central, but declined both offers in favor of their same day loan from BankAsiana. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement in the case that a borrower is in a time sensitive situation.
Kimberlie’s Overall FICO score at the time of acceptance for a same day loan, taking into account their recreational protective service worker job and their future job as a solar energy systems designer
6 Months in the Past, Kimberlie Tried Finding a High Risk Loan for $26,000.00, and it was Easy
There is an well known struggle for borrowers to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Kimberlie. Kimberlie chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Clients with credit scores as low as 459 can inquire for a high risk loan and may be be approved.
Conclusion of Kimberlie’s same day loan
In the end, Kimberlie was able to find a same day loan for $21000 with an interest rate of 7.3% interest APR from BankAsiana in Palisades Park, New Jersey repayable over 15 years from today.