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No Collateral Loan Of $92000 For Good Credit North Carolina Resident

$92000 No Collateral Loan – Shelby North Carolina, Credit Score Of 676

  • Experian: 694 – The client had a good Experian score
  • Transunion: 661 – Wilton had a good credit score with Transunion.
  • Equifax: Wilton’s Experian score was 676, which is a good credit rating on the Experian system.

Wilton was declined by Bank of America, National Association 4 times prior to being accepted by Union Trust Company of Shelby at 7-9 East Marion Street

On October 23, 2011, Wilton inquired about borrowing $29,000 from The Farmers Bank of Seaboard with Naida, their friend from just outside Shelby, and even with the co-signer, Wilton was rejected for this no collateral loan. With good credit, it can be very hard to procure funding, even with collateral and a co-signer.

Wilton’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their plastic surgeon job and their future career as a labor relations advisor

Fico Score: 676

Installment loan for Wilton, a graduate of Grand Canyon University and a plastic surgeon working for over $68,000 per year

Wilton, an alumnus at Grand Canyon University and a plastic surgeon in Shelby, North Carolina needs a no collateral loan to purchase something frivolous. Wilton has instead decided to get an installment loan for $10,000 and is at present seeking lenders like Bank of America, National Association to process their request.

Before applying for this no collateral loan, Wilton had an Experian score of 694, which is good, so Union Trust Company of Shelby likely can provide Wilton a no collateral loan

Experian Score: 694

Signature Loan acquired in Shelby, North Carolina for $92000 with good credit by Wilton

A lot of prospective borrowers have difficulty with obtaining signature loans in Shelby, North Carolina, and Wilton is not an exception. Wilton went to 7 lending institutions or more prior to finding Union Trust Company of Shelby, who offered Wilton a signature loan for $92000. Most signature loans simply require a client, like Wilton’s signature to obtain them, up to $42,000 in some cases. Wilton was able to get $92000 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 need better credit, as high as 790

Previous requests on Wilton’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$137880.00 3 8.2% $4333.39 The Farmers Bank of Seaboard February 2, 2011
$137620.00 5 6.6% $2699.14 The Bank of Raeford September 11, 2011
$138390.00 7 8.4% $2184.66 The Bank of Coleridge June 18, 2014
$138230.00 8 10.3% $2119.53 Farmers Bank of Sunbury January 1, 2015
$137660.00 10 10.1% $1826.82 Bank of Pittsboro March 17, 2015

9 Months in the Past, Wilton Tried Finding a High Risk Loan for $30,000.00, and it was Easy

It is an ongoing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Wilton. Wilton chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Individuals with credit ratings as low as 452 can apply for a high risk loan and possibly can be approved.

Wilton’s Transunion score was changed by the no collateral loan loan, changing to 661 from 676, which is normal in our experience.

Transunion Score: 661

Contact Details for Union Trust Company of Shelby, the provider of this no collateral loan

  • Union Trust Company of Shelby
  • City: Shelby
  • State: North Carolina
  • Address: 7-9 East Marion Street
  • County: Cleveland
  • Zip code: 28150

When Wilton was 20, they attempted to obtain a student loan from 6 alternate lenders, which damaged their credit score. Below is a chronology of Wilton’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on September 25, 2009
  • Attempt 2) Loan for $31,000.00 on June 3, 2011
  • Attempt 3) Loan for $37,000.00 on March 21, 2011
  • Attempt 4) Loan for $20,000.00 on April 9, 2011
  • Attempt 5) Loan for $24,000.00 on September 16, 2012
  • Attempt 6) Loan for $35,000.00 on January 14, 2012

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $21,000.00 to $56,000.00. They are normally used to pay off existing high interest loans like credit cards. Wilton needed a debt consolidation loan to pay for their existing no collateral loan and their credit card. Wilton was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.5%.

Paraphrased and Standardized Quote from Wilton for this no collateral loan of $92000, provided by Union Trust Company of Shelby

Hi, I am Wilton and I’m from Shelby in North Carolina. Cleveland, county is where I grew up, and now I need a no collateral loan in North Carolina for $92000 to avoid bankruptcy. It wasn’t easy, but Union Trust Company of Shelby really came through for me with this loan for 5.0% interest APR and a term of 22 years. I can probably repay the loan over the 22 year term, including interest. A big thanks to Union Trust Company of Shelby for giving me a chance and my good credit. It look me 7 years to create my credit to 676, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

Client Profile: Wilton Attaway of Shelby, North Carolina
  • Full name (Changed if requested): Wilton Attaway
  • Current Credit: loans.hit.utils.Fico@12edcd21
  • Current City: Shelby
  • State: North Carolina
  • Zip code: 28157
  • Yearly income: $31,000
  • Current Job: plastic surgeon
  • Current County: Cleveland
  • Goal Yearly Income: $96,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Personal Loan for a plastic surgeon named Wilton in Shelby, North Carolina to Pay Off BB&T Visa Business Credit Card

Wilton had a tonne of credit card debt on their First Community Bank Low-Rate Visa and their Bangor Savings Bank Visa Platinum Card, and they were starting to get in over their heads. Despite Wilton’s job as a plastic surgeon, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Many past requests for credit have been made by Wilton in the past, including one from Securant Bank & Trust in Shelby, North Carolina before Wilton was accepted for the $92000 by Union Trust Company of Shelby

Wilton made 4 previous attempts to obtain a no collateral loan, 2 of which were with Securant Bank & Trust, a bank in Shelby, North Carolina known to specialize in no collateral loans specifically. Before finding Union Trust Company of Shelby, Wilton was very concerned due to their inexperience and good credit score.

Fast Loans for Wilton in Shelby, North Carolina to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Shelby, North Carolina aren’t actually that difficult to obtain, particularly if you have some finesse like Wilton. Wilton was able to find a fast loan for $92000 from Communityone Bank, National Association and Bank of America, National Association, but declined both offers in favor of their no collateral loan from Union Trust Company of Shelby. 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 5 weeks for debt consolidation loans. Much better in the case that a client is in a time sensitive situation.

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

Wilton has always wanted to be a labor relations advisor, but would need attend Grand Canyon University again to become one. Wilton has other prospects as well, including chaplain, golf course superintendent, and photographic equipment mechanic, which pay $54,000 through to $91,000 per year, at least. For this reason, we think that Wilton can pay for this no collateral loan of $92000.

Conclusion of Wilton’s no collateral loan

In the end, Wilton was able to find a no collateral loan for $92000 with an interest rate of 10.7% interest APR from Union Trust Company of Shelby in Shelby, North Carolina repayable over 22 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.