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No Collateral Loan For $20000 Near 30060, Georgia With A Credit Score Of 712

$20000 No Collateral Loan – Marietta Georgia, Credit Score Of 712

  • Experian: 723 – They had a good Experian score
  • Transunion: 697 – Nan had a good credit score with Transunion.
  • Equifax: Nan’s Experian score was 712, which is a good credit rating with the Experian system.

Installment loan for Nan, a graduate of VAMC Wilmington Delaware and a pilot working for over $73,000 per year

Nan, an alumnus at VAMC Wilmington Delaware and a pilot in Marietta, Georgia wants a no collateral loan to purchase a house. Nan has instead decided to get an installment loan for $29,000 and is currently seeking lenders like The Peoples Bank to provide it.

Personal Loan for a pilot named Nan in Marietta, Georgia to Pay Off Gap Credit Card

Nan had a lot of credit card debt on their West Suburban Bank Credit Cards and their Ballston Spa Natl Bank VISA Platinum Rewards Credit Card, and they were starting to get in over their heads. Despite Nan’s job as a pilot, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

6 Months in the Past, Nan Tried Finding a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Nan. Nan chose not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Borrowers with credit scores as low as 533 can inquire for a high risk loan and have a chance to be accepted.

Paraphrased and Standardized Quote from Nan for this no collateral loan of $20000, provided by Charter Bank and Trust Co.

Hello, I am Nan and I’m from Marietta in Georgia. Cobb, county is where I grew up, and now I need a no collateral loan in Georgia for $20000 to buy a big ticket item. It has been difficult, but Charter Bank and Trust Co. really came through for me with this loan for 7.7% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to Charter Bank and Trust Co. for trusting me and my good credit. It look me 8 years to build my credit to 712, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.

Contact Details for Charter Bank and Trust Co., the provider of this no collateral loan

  • Charter Bank and Trust Co.
  • City: Marietta
  • State: Georgia
  • Address: 269 Roswell Street
  • County: Cobb
  • Zip code: 30060

Fast Loans for Nan in Marietta, Georgia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Marietta, Georgia aren’t actually that difficult to obtain, especially if you have some gumption like Nan. Nan was able to find a fast loan for $20000 from First South Bank, National Association and First South Bank, National Association, but turned down both offers in favor of their no collateral loan from Charter Bank and Trust Co.. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement if a borrower is in a pinch.

Signature Loan found in Marietta, Georgia for $20000 with good credit by Nan

Many clients have difficulty with obtaining signature loans in Marietta, Georgia, and Nan is the same. Nan went to 8 lenders or more prior to settling on Charter Bank and Trust Co., who offered Nan a signature loan for $20000. Most signature loans simply need a client, like Nan’s signature to obtain them, up to $26,000 in some cases. Nan was able to get $20000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans don’t require collateral, they tend to need improved credit, as high as 757

When Nan was 20, they tried to obtain a student loan from 6 alternate banks, which harmed their credit score. Below is a chronology of Nan’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on January 10, 2013
  • Attempt 2) Loan for $38,000.00 on May 1, 2009
  • Attempt 3) Loan for $32,000.00 on March 1, 2010
  • Attempt 4) Loan for $23,000.00 on October 14, 2013
  • Attempt 5) Loan for $32,000.00 on November 16, 2013
  • Attempt 6) Loan for $27,000.00 on October 29, 2011

Nan’s Transunion score was changed by the no collateral loan loan, changing to 697 from 712, which is typical in our experience.

Transunion Score: 697

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $38,000.00 to $44,000.00. They are normally used to pay off existing high interest loans like credit cards. Nan required a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Nan was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 2.4%.

Nan was declined by Century Bank and Trust 4 times prior to being granted funding by Charter Bank and Trust Co. at 269 Roswell Street

On August 24, 2012, Nan inquired about borrowing $34,000 from Citizens Bank with Yanira, their friend from just outside Marietta, and even with the co-signer, Nan was rejected for this no collateral loan. With good credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Several other requests for credit have been made by Nan in the past, including one from Professional Savings Bank in Marietta, Georgia before Nan was approved for the $20000 by Charter Bank and Trust Co.

Nan made 8 previous attempts to obtain a no collateral loan, 2 of which were with Professional Savings Bank, a lending institution in Marietta, Georgia known to specialize in no collateral loans specifically. Prior to finding Charter Bank and Trust Co., Nan was desperate due to their inexperience and good credit score.

Nan has a very low current yearly income, but has a large amount of prospects

Nan has always wanted to be a cook, but would have to attend VAMC Wilmington Delaware again to achieve it. Nan has other possibilities as well, including farm labor contractor, anthropology and archeology professor, and structural engineer, which pay $53,000 through to $104,000 per year, on average. Because of this, we believe that Nan can afford this no collateral loan of $20000.

Before applying for this no collateral loan, Nan had an Experian score of 723, which is good, so Charter Bank and Trust Co. most likely cannot provide Nan a no collateral loan

Experian Score: 723

Client Profile: Nan Ngueyn of Marietta, Georgia
  • Full name (Changed if requested): Nan Ngueyn
  • Current Credit: loans.hit.utils.Fico@70177ecd
  • Current City: Marietta
  • State: Georgia
  • Zip code: 30064
  • Yearly income: $63,000
  • Current Job: pilot
  • Current County: Cobb
  • Goal Yearly Income: $80,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Previous requests on Nan’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$102590.00 11 10.4% $1307.74 NationsBank of Florida, National Association January 3, 2009
$102510.00 6 10.7% $1935.47 Century Bank and Trust September 3, 2010
$103200.00 11 5.3% $1033.42 Bank of Madison January 26, 2013
$103410.00 9 5.5% $1216.1 Bank of Hazlehurst February 9, 2013
$103480.00 11 9.2% $1249.16 The Citizens and Southern Bank of Dublin November 9, 2013

Nan’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their pilot job and their future job as a cook

Fico Score: 712

Conclusion of Nan’s no collateral loan

In the end, Nan was able to find a no collateral loan for $20000 with an interest rate of 11.6% interest APR from Charter Bank and Trust Co. in Marietta, Georgia repayable over 3 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.