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No Collateral Loan For $132000 Near 13838, New York With A Credit Score Of 676

$132000 No Collateral Loan – Sidney New York, Credit Rating Of 676

  • Experian: 689 – This client had a good Experian rating
  • Transunion: 660 – Darleen had a good credit score with Transunion.
  • Equifax: Darleen’s Experian score was 676, which is a good credit rating with the Experian rating scheme.

Darleen’s Transunion score was changed by the no collateral loan loan, changing to 660 from 676, which is typical in our experience.

Transunion Score: 660

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

Fast loans in Sidney, New York aren’t actually that difficult to obtain, particularly if you have some finesse like Darleen. Darleen was able to find a fast loan for $132000 from The Bank of New York and Morgan Guaranty Trust Company of New York, but declined both offers in favor of their no collateral loan from First National Bank in Sidney. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. An improvement in the case that a borrower is in a pinch.

Personal Loan for a computer software technician named Darleen in Sidney, New York to Pay Off Coors Credit Union Platinum Rewards Visa

Darleen had a tonne of credit card debt on their Palais Royal Credit Card and their Justice FCU NNALEA Affinity VISA Credit Card, and they were starting to get in over their heads. Despite Darleen’s job as a computer software technician, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Many other requests for credit have been made by Darleen in the past, including one from Banco Popular de Puerto Rico in Sidney, New York before Darleen was approved for the $132000 by First National Bank in Sidney

Darleen made 8 previous attempts to obtain a no collateral loan, 2 of which were with Banco Popular de Puerto Rico, a lender in Sidney, New York known to specialize in no collateral loans specifically. Before finding First National Bank in Sidney, Darleen was very concerned due to their inexperience and good credit rating.

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $30,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Darleen required a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Darleen 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 converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.4%.

Contact Details for First National Bank in Sidney, the provider of this no collateral loan

  • First National Bank in Sidney
  • City: Sidney
  • State: New York
  • Address: 72 Main Street
  • County: Delaware
  • Zip code: 13838

Installment loan for Darleen, a graduate of Southern Illinois University Carbondale and a computer software technician working for over $76,000 per year

Darleen, an alumnus at Southern Illinois University Carbondale and a computer software technician in Sidney, New York wants a no collateral loan to purchase a car. Darleen has instead chosen to get an installment loan for $18,000 and is currently seeking lenders like United States Trust Company of New York to provide it.

Previous requests on Darleen’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$45700.00 3 11.1% $1498.32 Bankers Trust Company of Albany, National Association April 12, 2010
$46280.00 3 6.6% $1420.54 Montgomery County Trust Company June 13, 2012
$46390.00 11 10.5% $594.0 Bank of Avoca July 7, 2013
$45880.00 5 10.3% $981.6 The State Bank of Belmont February 9, 2014
$45600.00 4 9.4% $1143.44 Fleet Bank of New York, National Association March 30, 2014

Before applying for this no collateral loan, Darleen had an Experian score of 689, which is good, so First National Bank in Sidney likely cannot provide Darleen a no collateral loan

Experian Score: 689

8 Months Ago, Darleen Attempted Finding a High Risk Loan for $33,000.00, and it was Easy

It is an ongoing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Darleen. Darleen chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Clients with credit scores as low as 401 can apply for a high risk loan and may be be accepted.

Darleen’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their computer software technician job and their future career as a soil conservation technician

Fico Score: 676

Darleen has a low current total income, but has a large amount of prospects

Darleen has always wanted to be a soil conservation technician, but would need attend Southern Illinois University Carbondale again to become one. Darleen has other prospects as well, including warehouse stock clerk, wildlife biologist, and athletic trainer, which pay $57,000 through to $90,000 per year, at least. Because of this, we think that Darleen can afford this no collateral loan of $132000.

Paraphrased and Standardized Quote from Darleen for this no collateral loan of $132000, provided by First National Bank in Sidney

Hi, I am Darleen and my hometown is Sidney in New York. Delaware, county is where I grew up, and now I need a no collateral loan in New York for $132000 to renovate my home. It wasn’t easy, but First National Bank in Sidney really came through for me with this loan for 6.7% 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 First National Bank in Sidney for giving me a chance and my good credit. It look me 7 years to build my credit to 676, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Client Profile: Darleen Lanphere of Sidney, New York
  • Full name (Changed if requested): Darleen Lanphere
  • Current Credit: loans.hit.utils.Fico@27bc2616
  • Current City: Sidney
  • State: New York
  • Zip code: 13841
  • Yearly income: $43,000
  • Current Job: computer software technician
  • Current County: Delaware
  • Goal Yearly Income: $89,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Darleen was not approved by Key Bank 5 times prior to being accepted by First National Bank in Sidney at 72 Main Street

On May 9, 2009, Darleen applied about borrowing $21,000 from IBJ Whitehall Bank & Trust Company with Rick, their in law from just outside Sidney, and even with the co-signer, Darleen was rejected for this no collateral loan. With good credit, it can be very hard to obtain financing, even with collateral and a co-signer.

When Darleen was 20, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a chronology of Darleen’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on July 21, 2011
  • Attempt 2) Loan for $29,000.00 on February 11, 2012
  • Attempt 3) Loan for $30,000.00 on May 1, 2011
  • Attempt 4) Loan for $33,000.00 on January 4, 2009
  • Attempt 5) Loan for $29,000.00 on July 23, 2010

Signature Loan found in Sidney, New York for $132000 with good credit by Darleen

Many prospective borrowers have difficulty with finding signature loans in Sidney, New York, and Darleen is the same. Darleen went to 7 lenders or more before finding First National Bank in Sidney, who offered Darleen a signature loan for $132000. Typical signature loans simply require a client, like Darleen’s signature to get them, up to $25,000 in some cases. Darleen was able to get $132000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans don’t require a cosigner, these loans generally need improved credit, as high as 797

Conclusion of Darleen’s no collateral loan

In the end, Darleen was able to find a no collateral loan for $132000 with an interest rate of 10.0% interest APR from First National Bank in Sidney in Sidney, New York repayable over 17 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.