$184000 Private Loan – Palisades Park New Jersey, Credit Rating Of 362
- Experian: 373 – This individual had a terrible Experian score
- Transunion: 345 – Kacy had a terrible credit rating with Transunion.
- Equifax: Kacy’s Experian score was 362, which is a terrible credit score with the Experian system.
- Full name (Changed if requested): Kacy Horal
- Current Credit: loans.hit.utils.Fico@5010be6
- Current City: Palisades Park
- State: New Jersey
- Zip code: 7657
- Yearly income: $30,000
- Current Job: child support services worker
- Current County: Bergen
- Goal Yearly Income: $98,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Before applying for this private loan, Kacy had an Experian score of 373, which is terrible, so Metrobank for Savings FSB most likely cannot provide Kacy a private loan
Kacy has a very low current total income, but has several of prospects
Kacy has always wanted to be a hardwood floor finisher, but would need attend National Academy of Beauty Arts again to become one. Kacy has other possibilities as well, including newspaper/magazines writer, court clerk, and tax accountant, which pay $51,000 through to $91,000 per year, on average. Because of this, we think that Kacy can pay for this private loan of $184000.
Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans vary from $22,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Kacy needed a debt consolidation loan to pay for their existing private loan and their loan shark loan. Kacy was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.2%.
When Kacy was 24, they tried to obtain a student loan from 5 different lenders, which harmed their credit score. Below is a chronology of Kacy’s previous attempts at finding a student loan:
- Attempt 1) Loan for $36,000.00 on May 12, 2009
- Attempt 2) Loan for $24,000.00 on September 11, 2012
- Attempt 3) Loan for $36,000.00 on January 2, 2011
- Attempt 4) Loan for $34,000.00 on July 18, 2009
- Attempt 5) Loan for $37,000.00 on July 16, 2010
Installment loan for Kacy, a graduate of National Academy of Beauty Arts and a child support services worker working for over $76,000 per year
Kacy, an alumnus at National Academy of Beauty Arts and a child support services worker in Palisades Park, New Jersey needs a private loan to purchase something frivolous. Kacy has instead chosen to obtain an installment loan for $18,000 and is at present seeking lenders like Suburban Trust Company to provide it.
Fast Loans for Kacy in Palisades Park, New Jersey to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Palisades Park, New Jersey aren’t actually that difficult to obtain, especially if you have some gumption like Kacy. Kacy was able to find a fast loan for $184000 from Fidelity Union Bank and United Jersey Bank/Northwest, but declined both offers in favor of their private loan from Metrobank for Savings FSB. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. Much better if a client is on the go.
Contact Details for Metrobank for Savings FSB, the provider of this private loan
- Metrobank for Savings FSB
- City: Palisades Park
- State: New Jersey
- Address: 460 Bergen Boulevard
- County: Bergen
- Zip code: 7650
Kacy’s Overall FICO score at the time of acceptance for a private loan, taking into account their child support services worker job and their future career as a hardwood floor finisher
Previous requests on Kacy’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$145370.00||5||6.1%||$2817.17||The State Bank of North Jersey||January 18, 2010|
|$145390.00||10||11.4%||$2035.81||Carteret Bank and Trust Company||October 3, 2010|
|$145260.00||8||8.3%||$2075.71||United Jersey Bank/Northwest||January 5, 2012|
|$144790.00||7||10.2%||$2418.67||People’s Trust Company||February 15, 2012|
Signature Loan found in Palisades Park, New Jersey for $184000 with terrible credit by Kacy
Many prospective borrowers struggle with obtaining signature loans in Palisades Park, New Jersey, and Kacy is the same. Kacy went to 4 lenders or more before settling on Metrobank for Savings FSB, who offered Kacy a signature loan for $184000. Typical signature loans simply need a client, like Kacy’s signature to obtain them, up to $43,000 in some cases. Kacy was able to get $184000 as a private loan, which is very high for a private loan. Since signature loans do not need a cosigner, they generally need better credit, as high as 776
Kacy was declined by The Bank of Sussex County 4 times prior to being approved by Metrobank for Savings FSB at 460 Bergen Boulevard
On July 10, 2012, Kacy applied about borrowing $18,000 from United Jersey Bank with Tandy, their friend from just outside Palisades Park, and even with the co-signer, Kacy was rejected for this private loan. With terrible credit, it can be difficult to obtain financing, even with collateral and a co-signer.
Multiple other requests for credit have been made by Kacy in the past, including one from Castle Rock Bank in Palisades Park, New Jersey before Kacy was approved for the $184000 by Metrobank for Savings FSB
Kacy made 4 previous attempts to obtain a private loan, 2 of which were with Castle Rock Bank, a lender in Palisades Park, New Jersey known to specialize in private loans specifically. Before finding Metrobank for Savings FSB, Kacy was desperate due to their inexperience and terrible credit rating.
Paraphrased and Standardized Quote from Kacy for this private loan of $184000, provided by Metrobank for Savings FSB
Hello, I am Kacy and I am from Palisades Park in New Jersey. Bergen, county is where I grew up, and now I need a private loan in New Jersey for $184000 to pay bills. It has been difficult, but Metrobank for Savings FSB really came through for me with this loan for 8.1% interest APR and a term of 2 years. I can probably repay the loan over the 2 year term, including interest. A big thanks to Metrobank for Savings FSB for trusting me and my terrible credit. It look me 8 years to create my credit to 362, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.
6 Months in the Past, Kacy Tried to Find a High Risk Loan for $36,000.00, and it was Hard
It is an well known struggle for borrowers to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Kacy. Kacy decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Borrowers with credit scores as low as 432 can inquire for a high risk loan and possibly can be approved.
Personal Loan for a child support services worker named Kacy in Palisades Park, New Jersey to Pay Off Bangor Savings Bank Visa Business Bonus Rewards Card
Kacy had a lot of credit card debt on their American University MasterCard and their Malvern Federal Savings Bank Visa Signature Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Kacy’s job as a child support services worker, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Kacy’s Transunion score was changed by the private loan loan, changing to 345 from 362, which is typical in our experience.
Conclusion of Kacy’s private loan
In the end, Kacy was able to find a private loan for $184000 with an interest rate of 10.2% interest APR from Metrobank for Savings FSB in Palisades Park, New Jersey repayable over 2 years from now.