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No Collateral Loan Of $136000 For Excellent Credit Iowa Resident

$136000 No Collateral Loan – Council Bluffs Iowa, Credit Rating Of 807

  • Experian: 820 – The client had an excellent Experian rating
  • Transunion: 795 – Rigoberto had an excellent credit score with Transunion.
  • Equifax: Rigoberto’s Experian score was 807, which is an excellent credit score on the Experian system.

Rigoberto has a very low current gross income, but has several of prospects

Rigoberto has always wanted to be a purchasing manager, but would need attend Long Island University – C W Post Campus again to achieve it. Rigoberto has other possibilities as well, including industrial designer, carpet installer, and construction trades supervisor, which pay $52,000 through to $105,000 per year, at least. Because of this, we believe that Rigoberto can pay for this no collateral loan of $136000.

Rigoberto’s Transunion score was changed by the no collateral loan loan, changing to 795 from 807, which is normal in our experience.

Transunion Score: 795

Fast Loans for Rigoberto in Council Bluffs, Iowa to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Council Bluffs, Iowa aren’t actually that difficult to obtain, particularly if you have some gumption like Rigoberto. Rigoberto was able to find a fast loan for $136000 from Mills County Bank National Association and The First Trust & Savings Bank, but declined both offers in favor of their no collateral loan from Western Federal Savings and Loan Association. 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 7 weeks for personal loans. An improvement in the case that you are in a pinch.

Many other requests for credit have been made by Rigoberto in the past, including one from NBD Bank in Council Bluffs, Iowa before Rigoberto was approved for the $136000 by Western Federal Savings and Loan Association

Rigoberto made 5 prior attempts to obtain a no collateral loan, 2 of which were with NBD Bank, a bank in Council Bluffs, Iowa known to specialize in no collateral loans specifically. Before finding Western Federal Savings and Loan Association, Rigoberto was desperate due to their inexperience and excellent credit score.

Contact Details for Western Federal Savings and Loan Association, the provider of this no collateral loan

  • Western Federal Savings and Loan Association
  • City: Council Bluffs
  • State: Iowa
  • Address: 20 Pearl Street
  • County: Pottawattamie
  • Zip code: 51501

Rigoberto’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their structural drafter job and their future career as a purchasing manager

Fico Score: 807

Personal Loan for a structural drafter named Rigoberto in Council Bluffs, Iowa to Pay Off Wells Fargo Home Rebate Visa Signature Card

Rigoberto had a tonne of credit card debt on their Value City Furniture Credit Card and their Sovereign Bank Visa Signature or World MasterCard, and they were starting to get in over their heads. Despite Rigoberto’s job as a structural drafter, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Rigoberto’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$43350.00 3 9.7% $1392.68 Mills County Bank National Association October 30, 2011
$43170.00 7 5.4% $618.31 Postville State Bank June 12, 2013
$43400.00 7 11.7% $759.18 Washington State Bank February 3, 2014
$43140.00 3 5.8% $1308.5 Rippey Savings Bank November 27, 2014

When Rigoberto was 24, they attempted to obtain a student loan from 5 different lenders, which harmed their credit score. Below is a list of Rigoberto’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on April 15, 2011
  • Attempt 2) Loan for $25,000.00 on February 3, 2012
  • Attempt 3) Loan for $37,000.00 on February 7, 2012
  • Attempt 4) Loan for $31,000.00 on April 15, 2012
  • Attempt 5) Loan for $28,000.00 on August 15, 2010
Client Profile: Rigoberto Lingo of Council Bluffs, Iowa
  • Full name (Changed if requested): Rigoberto Lingo
  • Current Credit: loans.hit.utils.Fico@66a29884
  • Current City: Council Bluffs
  • State: Iowa
  • Zip code: 51505
  • Yearly income: $66,000
  • Current Job: structural drafter
  • Current County: Pottawattamie
  • Goal Yearly Income: $147,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $39,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Rigoberto required a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Rigoberto 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 changes your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.5%.

Rigoberto was not approved by Security State Bank 4 times before being granted funding by Western Federal Savings and Loan Association at 20 Pearl Street

On April 8, 2009, Rigoberto applied about borrowing $48,000 from Rippey Savings Bank with Christopher, their in law from just outside Council Bluffs, and even with the co-signer, Rigoberto was rejected for this no collateral loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.

6 Months Ago, Rigoberto Tried Finding a High Risk Loan for $45,000.00, and it was Hard

It is an ongoing struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Rigoberto. Rigoberto decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Individuals with credit ratings as low as 475 can inquire for a high risk loan and may be be accepted.

Signature Loan easily acquired in Council Bluffs, Iowa for $136000 with excellent credit by Rigoberto

A lot of clients have difficulty with obtaining signature loans in Council Bluffs, Iowa, and Rigoberto is not an exception. Rigoberto went to 8 lending institutions or more before settling on Western Federal Savings and Loan Association, who offered Rigoberto a signature loan for $136000. Most signature loans simply need a client, like Rigoberto’s signature to get them, up to $44,000 in some cases. Rigoberto was able to get $136000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not require a cosigner, these loans tend to require improved credit, as high as 706

Paraphrased and Standardized Quote from Rigoberto for this no collateral loan of $136000, provided by Western Federal Savings and Loan Association

Hello, I am Rigoberto and I’m from Council Bluffs in Iowa. Pottawattamie, county is where I grew up, and now I need a no collateral loan in Iowa for $136000 to buy a big ticket item. It has been difficult, but Western Federal Savings and Loan Association really came through for me with this loan for 6.2% interest APR and a term of 4 years. I can probably repay the loan over the 4 year term, including interest. A big thanks to Western Federal Savings and Loan Association for giving me a chance and my excellent credit. It look me 6 years to build my credit to 807, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Before applying for this no collateral loan, Rigoberto had an Experian score of 820, which is excellent, so Western Federal Savings and Loan Association probably cannot provide Rigoberto a no collateral loan

Experian Score: 820

Installment loan for Rigoberto, a graduate of Long Island University – C W Post Campus and a structural drafter working for over $71,000 per year

Rigoberto, an alumnus at Long Island University – C W Post Campus and a structural drafter in Council Bluffs, Iowa needs a no collateral loan to purchase a car. Rigoberto has instead decided to obtain an installment loan for $15,000 and is at present seeking lenders like First State Savings Bank to provide it.

Conclusion of Rigoberto’s no collateral loan

In the end, Rigoberto was able to find a no collateral loan for $136000 with an interest rate of 10.4% interest APR from Western Federal Savings and Loan Association in Council Bluffs, Iowa repayable over 4 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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