$96000 No Collateral Loan – Philadelphia Pennsylvania, Credit Rating Of 660
- Experian: 672 – This individual had a good Experian rating
- Transunion: 646 – Helena had a good credit rating with Transunion.
- Equifax: Helena’s Experian score was 660, which is a good credit score on the Experian rating scheme.
Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans range from $39,000.00 to $45,000.00. They are mainly used to pay off existing high interest loans like credit cards. Helena needed a debt consolidation loan to pay for their existing no collateral loan and their credit card. Helena 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 3.6%.
7 Months Ago, Helena Attempted Finding a High Risk Loan for $46,000.00, and it was Hard
It is an well known struggle for clients 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 scary to borrowers like Helena. Helena chose not to get a high risk loan this time. High Risk loans are given to bad credit individuals. Individuals with credit scores as low as 404 can inquire for a high risk loan and possibly can be approved.
When Helena was 18, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a chronology of Helena’s previous attempts at finding a student loan:
- Attempt 1) Loan for $25,000.00 on August 26, 2009
- Attempt 2) Loan for $38,000.00 on September 23, 2012
- Attempt 3) Loan for $24,000.00 on September 22, 2009
- Attempt 4) Loan for $27,000.00 on January 10, 2012
- Attempt 5) Loan for $37,000.00 on August 14, 2012
Helena’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their police officer job and their future career as a high school administrator
Helena’s Transunion score was changed by the no collateral loan loan, changing to 646 from 660, which is normal in our experience.
Before applying for this no collateral loan, Helena had an Experian score of 672, which is good, so Prime Bank likely can provide Helena a no collateral loan
Several past requests for credit have been made by Helena in the past, including one from The Eudora Bank in Philadelphia, Pennsylvania before Helena was accepted for the $96000 by Prime Bank
Helena made 5 previous tries to obtain a no collateral loan, 2 of which were with The Eudora Bank, a lender in Philadelphia, Pennsylvania known to specialize in no collateral loans specifically. Before finding Prime Bank, Helena was very concerned due to their inexperience and good credit rating.
Paraphrased and Standardized Quote from Helena for this no collateral loan of $96000, provided by Prime Bank
Hello, I am Helena and I’m from Philadelphia in Pennsylvania. Philadelphia, county is where I grew up, and now I need a no collateral loan in Pennsylvania for $96000 to renovate my home. It wasn’t easy, but Prime Bank really came through for me with this loan for 10.5% interest APR and a term of 9 years. I will repay the loan over the 9 year term, including interest. A big thanks to Prime Bank for trusting me and my good credit. It look me 4 years to build my credit to 660, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.
Helena has a sad current total income, but has a high number of prospects
Helena has always wanted to be a high school administrator, but would need attend University of Massachusetts Amherst again to become one. Helena has other prospects as well, including quality control inspector, vocational education teachers, and film editor, which pay $55,000 through to $101,000 per year, on average. For this reason, we believe that Helena can pay for this no collateral loan of $96000.
Signature Loan easily acquired in Philadelphia, Pennsylvania for $96000 with good credit by Helena
Most clients struggle with finding signature loans in Philadelphia, Pennsylvania, and Helena is no different. Helena went to 7 lenders or more before settling on Prime Bank, who offered Helena a signature loan for $96000. Most signature loans simply need a client, like Helena’s signature to obtain them, up to $46,000 in some cases. Helena was able to get $96000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans don’t need a cosigner, these loans generally require better credit, as high as 712
Fast Loans for Helena in Philadelphia, Pennsylvania to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Philadelphia, Pennsylvania aren’t actually that difficult to obtain, especially if you have some gumption like Helena. Helena was able to find a fast loan for $96000 from The Schuylkill Haven Trust Company and The Fidelity Bank, but declined both offers in favor of their no collateral loan from Prime Bank. 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 7 weeks for personal loans. An improvement if a client is in a pinch.
Helena was not approved by The Fidelity Bank 5 times before being granted funding by Prime Bank at 6425 Rising Sun Avenue
On February 16, 2012, Helena applied about borrowing $7,000 from PS Bank with Nicole, their friend from just outside Philadelphia, and even with the co-signer, Helena was rejected for this no collateral loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.
Contact Details for Prime Bank, the provider of this no collateral loan
- Prime Bank
- City: Philadelphia
- State: Pennsylvania
- Address: 6425 Rising Sun Avenue
- County: Philadelphia
- Zip code: 19111
Personal Loan for a police officer named Helena in Philadelphia, Pennsylvania to Pay Off Conestoga Bank Visa Business Bonus Rewards Card
Helena had a lot of credit card debt on their SEFCU Secured MasterCard and their Lexus Pursuits Visa Signature Credit Card, and they were starting to get in over their heads. Despite Helena’s job as a police officer, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Previous requests on Helena’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $139120.00 | 11 | 6.7% | $1492.41 | The People’s Bank of Oxford | December 23, 2012 |
| $139310.00 | 4 | 11.5% | $3634.46 | First Lehigh Bank | March 30, 2014 |
| $139410.00 | 4 | 7.7% | $3383.81 | SunBank | November 27, 2014 |
| $139130.00 | 6 | 11.3% | $2669.64 | Merchants Bank (North) | March 22, 2015 |
- Full name (Changed if requested): Helena Kapoor
- Current Credit: loans.hit.utils.Fico@37f8bb67
- Current City: Philadelphia
- State: Pennsylvania
- Zip code: 19119
- Yearly income: $37,000
- Current Job: police officer
- Current County: Philadelphia
- Goal Yearly Income: $116,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Installment loan for Helena, a graduate of University of Massachusetts Amherst and a police officer working for over $79,000 per year
Helena, an alumnus at University of Massachusetts Amherst and a police officer in Philadelphia, Pennsylvania wants a no collateral loan to purchase a car. Helena has instead chosen to get an installment loan for $23,000 and is currently seeking lenders like Bank of Pennsylvania to process their request.
Conclusion of Helena’s no collateral loan
In the end, Helena was able to find a no collateral loan for $96000 with an interest rate of 11.0% interest APR from Prime Bank in Philadelphia, Pennsylvania repayable over 9 years from now.
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