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Quick Loan For $164000 Near 7676, New Jersey With A Credit Score Of 416

$164000 Quick Loan – Township Of Washington New Jersey, Credit Rating Of 416

  • Experian: 431 – The client had a bad Experian score
  • Transunion: 403 – Rafael had a bad credit score with Transunion.
  • Equifax: Rafael’s Experian score was 416, which is a bad credit score on the Experian scale.

9 Months in the Past, Rafael Tried to Find a High Risk Loan for $40,000.00, and it was Easy

There is an ongoing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Rafael. Rafael chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Borrowers with credit scores as low as 350 can inquire for a high risk loan and have a chance to be accepted.

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

Normal debt consolidation loans vary from $26,000.00 to $47,000.00. They are normally used to pay off existing high interest loans like credit cards. Rafael required a debt consolidation loan to pay for their existing quick loan and their credit card. Rafael was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.7%.

Rafael has a low current total income, but has a large amount of prospects

Rafael has always wanted to be a wildlife control agent, but would need attend Unitech Training Academy – Lafayette again to become one. Rafael has other prospects as well, including fishery worker supervisor, emergency management specialist, and computer systems engineer, which pay $56,000 through to $104,000 per year, at least. For this reason, we think that Rafael can pay for this quick loan of $164000.

Several past requests for credit have been made by Rafael in the past, including one from Steele Street Bank & Trust in Township Of Washington, New Jersey before Rafael was accepted for the $164000 by Oritani Bank

Rafael made 4 previous tries to obtain a quick loan, 2 of which were with Steele Street Bank & Trust, a lending institution in Township Of Washington, New Jersey known to specialize in quick loans specifically. Before finding Oritani Bank, Rafael was concerned due to their inexperience and bad credit rating.

Paraphrased and Standardized Quote from Rafael for this quick loan of $164000, provided by Oritani Bank

Hello, I am Rafael and my hometown is Township Of Washington in New Jersey. Bergen, county is where I grew up, and now I need a quick loan in New Jersey for $164000 to renovate my home. It has been difficult, but Oritani Bank really came through for me with this loan for 8.0% interest APR and a term of 23 years. I can probably repay the loan over the 23 year term, including interest. A big thanks to Oritani Bank for trusting me and my bad credit. It look me 5 years to build my credit to 416, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.

Rafael was declined by Community Bank of Bergen County, N. J. 6 times before being approved by Oritani Bank at 370 Pascack Road

On September 30, 2011, Rafael inquired about borrowing $37,000 from Belmar-Wall National Bank with Elizabeth, their in law from just outside Township Of Washington, and even with the co-signer, Rafael was rejected for this quick loan. With bad credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Before applying for this quick loan, Rafael had an Experian score of 431, which is bad, so Oritani Bank probably can provide Rafael a quick loan

Experian Score: 431

Previous requests on Rafael’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$24820.00 4 10.3% $633.08 The State Bank of North Jersey March 23, 2010
$25280.00 10 6.1% $281.93 Carteret Bank and Trust Company July 7, 2012
$24510.00 5 8.8% $506.41 United Jersey Bank/Northwest May 11, 2014
$25300.00 5 7.7% $509.37 People’s Trust Company June 1, 2014
$25290.00 3 9.7% $812.48 United Jersey Bank/Central March 4, 2015

Rafael’s Transunion score was changed by the quick loan loan, changing to 403 from 416, which is typical in our experience.

Transunion Score: 403

Signature Loan acquired in Township Of Washington, New Jersey for $164000 with bad credit by Rafael

Many borrowers have difficulty with obtaining signature loans in Township Of Washington, New Jersey, and Rafael is the same. Rafael went to 6 lenders or more prior to finding Oritani Bank, who offered Rafael a signature loan for $164000. Typical signature loans simply require a client, like Rafael’s signature to get them, up to $41,000 in some cases. Rafael was able to get $164000 as a quick loan, which is very high for a quick loan. Since signature loans don’t need collateral, these loans tend to require improved credit, as high as 715

Client Profile: Rafael Mcmillian of Township Of Washington, New Jersey
  • Full name (Changed if requested): Rafael Mcmillian
  • Current Credit: loans.hit.utils.Fico@7cd84586
  • Current City: Township Of Washington
  • State: New Jersey
  • Zip code: 7679
  • Yearly income: $64,000
  • Current Job: plastic surgeon
  • Current County: Bergen
  • Goal Yearly Income: $148,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Installment loan for Rafael, a graduate of Unitech Training Academy – Lafayette and a plastic surgeon working for over $73,000 per year

Rafael, an alumnus at Unitech Training Academy – Lafayette and a plastic surgeon in Township Of Washington, New Jersey wants a quick loan to purchase something frivolous. Rafael has instead chosen to get an installment loan for $23,000 and is at present seeking lenders like The State Bank of North Jersey to process their request.

Contact Details for Oritani Bank, the provider of this quick loan

  • Oritani Bank
  • City: Township Of Washington
  • State: New Jersey
  • Address: 370 Pascack Road
  • County: Bergen
  • Zip code: 7676

Personal Loan for a plastic surgeon named Rafael in Township Of Washington, New Jersey to Pay Off First Bank Accelerate Rewards American Express Card

Rafael had a tonne of credit card debt on their NEA Platinum Plus Credit Card with WorldPoint Rewards and their Navy Federal Credit Union goRewards MasterCard, and they were starting to get in over their heads. Despite Rafael’s job as a plastic surgeon, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Fast Loans for Rafael in Township Of Washington, New Jersey to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Township Of Washington, New Jersey aren’t actually that difficult to obtain, especially if you have some finesse like Rafael. Rafael was able to find a fast loan for $164000 from Bank of West Jersey and The Summit Trust Company, but turned down both offers in favor of their quick loan from Oritani Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big difference if a client is in a time sensitive situation.

When Rafael was 21, they tried to obtain a student loan from 5 alternate lenders, which harmed their credit score. Below is a list of Rafael’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on November 3, 2012
  • Attempt 2) Loan for $31,000.00 on January 16, 2010
  • Attempt 3) Loan for $30,000.00 on April 4, 2012
  • Attempt 4) Loan for $26,000.00 on January 5, 2010
  • Attempt 5) Loan for $20,000.00 on November 19, 2013

Rafael’s Overall FICO score at the time of acceptance for a quick loan, taking into account their plastic surgeon job and their future job as a wildlife control agent

Fico Score: 416

Conclusion of Rafael’s quick loan

In the end, Rafael was able to find a quick loan for $164000 with an interest rate of 9.0% interest APR from Oritani Bank in Township Of Washington, New Jersey repayable over 23 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.