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No Collateral Loan With Low APR In Luzerne County, Pennsylvania

$82000 No Collateral Loan – Wilkes-Barre Pennsylvania, Credit Score Of 300

  • Experian: 318 – They had a terrible Experian rating
  • Transunion: 288 – Jani had a terrible credit rating with Transunion.
  • Equifax: Jani’s Experian score was 300, which is a terrible credit rating with the Experian rating scheme.

8 Months in the Past, Jani Attempted to Find a High Risk Loan for $32,000.00, and it was Easy

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 similar lenders, which can be scary to borrowers like Jani. Jani chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit applicants. Individuals with credit scores as low as 383 can apply for a high risk loan and may be be accepted.

Before applying for this no collateral loan, Jani had an Experian score of 318, which is terrible, so First Eastern Bank, National Association probably can provide Jani a no collateral loan

Experian Score: 318

Personal Loan for a computer security specialist named Jani in Wilkes-Barre, Pennsylvania to Pay Off Armed Forces Bank Visa Credit Card

Jani had a lot of credit card debt on their Garden State Community Bank Maximum Rewards Visa Card and their MCU Visa Platinum, and they were starting to get in over their heads. Despite Jani’s job as a computer security specialist, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Jani for this no collateral loan of $82000, provided by First Eastern Bank, National Association

Hi, I am Jani and I’m from Wilkes-Barre in Pennsylvania. Luzerne, county is where I grew up, and now I need a no collateral loan in Pennsylvania for $82000 to buy a car. It wasn’t easy, but First Eastern Bank, National Association really came through for me with this loan for 6.8% interest APR and a term of 17 years. I can repay the loan over the 17 year term, including interest. A big thanks to First Eastern Bank, National Association for trusting me and my terrible credit. It look me 8 years to create my credit to 300, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

When Jani was 19, they tried to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a list of Jani’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on August 14, 2009
  • Attempt 2) Loan for $30,000.00 on June 16, 2013
  • Attempt 3) Loan for $35,000.00 on February 1, 2013
  • Attempt 4) Loan for $32,000.00 on December 17, 2010
  • Attempt 5) Loan for $25,000.00 on November 10, 2008
  • Attempt 6) Loan for $23,000.00 on August 18, 2010

Jani was not approved by Mercer County State Bank 7 times before being granted funding by First Eastern Bank, National Association at First East Plaza, Public Square

On February 18, 2012, Jani applied about borrowing $9,000 from First Columbia Bank & Trust Co. with Chelsey, their in law from just outside Wilkes-Barre, and even with the co-signer, Jani was rejected for this no collateral loan. With terrible credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Installment loan for Jani, a graduate of University of Iowa and a computer security specialist working for over $62,000 per year

Jani, an alumnus at University of Iowa and a computer security specialist in Wilkes-Barre, Pennsylvania wants a no collateral loan to purchase a new cell phone. Jani has instead chosen to obtain an installment loan for $27,000 and is currently seeking lenders like Mellon Bank (East) PSFS, National Association to process their request.

Several other requests for credit have been made by Jani in the past, including one from Central Federal Savings and Loan Association in Wilkes-Barre, Pennsylvania before Jani was accepted for the $82000 by First Eastern Bank, National Association

Jani made 9 prior attempts to obtain a no collateral loan, 2 of which were with Central Federal Savings and Loan Association, a bank in Wilkes-Barre, Pennsylvania known to specialize in no collateral loans specifically. Before finding First Eastern Bank, National Association, Jani was concerned due to their inexperience and terrible credit rating.

Signature Loan easily acquired in Wilkes-Barre, Pennsylvania for $82000 with terrible credit by Jani

Most borrowers struggle with finding signature loans in Wilkes-Barre, Pennsylvania, and Jani is no different. Jani went to 6 lenders or more before finding First Eastern Bank, National Association, who offered Jani a signature loan for $82000. Most signature loans simply need a client, like Jani’s signature to get them, up to $31,000 in some cases. Jani was able to get $82000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans do not need collateral, they generally need better credit, as high as 799

Jani’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their computer security specialist job and their future job as a fashion artist

Fico Score: 300

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $31,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Jani required a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Jani 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 converts your bad, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.0%.

Contact Details for First Eastern Bank, National Association, the provider of this no collateral loan

  • First Eastern Bank, National Association
  • City: Wilkes-Barre
  • State: Pennsylvania
  • Address: First East Plaza, Public Square
  • County: Luzerne
  • Zip code: 18701

Previous requests on Jani’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$26320.00 11 11.2% $347.65 The People’s Bank of Oxford June 13, 2009
$25870.00 4 7.5% $625.51 First Lehigh Bank September 11, 2010
$26140.00 7 7.3% $398.37 SunBank November 19, 2012
$26100.00 11 9.8% $323.82 Merchants Bank (North) November 4, 2013

Fast Loans for Jani in Wilkes-Barre, Pennsylvania to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Wilkes-Barre, Pennsylvania aren’t actually that difficult to obtain, particularly if you have some finesse like Jani. Jani was able to find a fast loan for $82000 from The Houtzdale Bank and Continental Bank, but declined both offers in favor of their no collateral loan from First Eastern Bank, National Association. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. Much better in the case that a client is in a pinch.

Jani’s Transunion score was altered by the no collateral loan loan, changing to 288 from 300, which is typical in our experience.

Transunion Score: 288

Jani has a very low current gross income, but has a large amount of prospects

Jani has always wanted to be a fashion artist, but would have to attend University of Iowa again to achieve it. Jani has other possibilities as well, including biomedical equipment technician, ordinary seamen, and casino cage worker, which pay $50,000 through to $94,000 per year, on average. For this reason, we believe that Jani can afford this no collateral loan of $82000.

Client Profile: Jani Bramall of Wilkes-Barre, Pennsylvania
  • Full name (Changed if requested): Jani Bramall
  • Current Credit: loans.hit.utils.Fico@254989ff
  • Current City: Wilkes-Barre
  • State: Pennsylvania
  • Zip code: 18707
  • Yearly income: $47,000
  • Current Job: computer security specialist
  • Current County: Luzerne
  • Goal Yearly Income: $87,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Conclusion of Jani’s no collateral loan

In the end, Jani was able to find a no collateral loan for $82000 with an interest rate of 5.0% interest APR from First Eastern Bank, National Association in Wilkes-Barre, Pennsylvania repayable over 17 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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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.