$10000 No Collateral Loan – Miami Florida, Credit Score Of 721
- Experian: 735 – The client had an excellent Experian rating
- Transunion: 703 – Rosana had an excellent credit rating with Transunion.
- Equifax: Rosana’s Experian score was 721, which is an excellent credit rating on the Experian system.
Previous requests on Rosana’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$23800.00||7||8.3%||$374.52||NCNB National Bank of Florida||October 28, 2013|
|$24270.00||7||8.1%||$379.49||Southeast Bank of Madison County, National Association||September 8, 2014|
|$24200.00||4||9.1%||$603.37||Southeast Bank of Wildwood||November 8, 2014|
|$23850.00||5||6.1%||$462.2||Atlantic Bank of Jacksonville||July 30, 2015|
7 Months in the Past, Rosana Tried Finding a High Risk Loan for $29,000.00, but They Didn’t Find What They were Expecting
It is an existing struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Rosana. Rosana chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Individuals with credit scores as low as 300 can apply for a high risk loan and may be be accepted.
Rosana’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their chemical engineer job and their future career as an aircraft mechanic
Before applying for this no collateral loan, Rosana had an Experian score of 735, which is excellent, so Dadeland Bank probably cannot provide Rosana a no collateral loan
Installment loan for Rosana, a graduate of Kaplan University and a chemical engineer working for over $73,000 per year
Rosana, an alumnus at Kaplan University and a chemical engineer in Miami, Florida wants a no collateral loan to purchase a car. Rosana has instead chosen to get an installment loan for $18,000 and is currently seeking lenders like Sun Bank/South Central Florida, National Association to provide it.
Signature Loan acquired in Miami, Florida for $10000 with excellent credit by Rosana
Most clients struggle with obtaining signature loans in Miami, Florida, and Rosana is not an exception. Rosana went to 5 lending institutions or more prior to finding Dadeland Bank, who offered Rosana a signature loan for $10000. Typical signature loans simply need a client, like Rosana’s signature to obtain them, up to $33,000 in some cases. Rosana was able to get $10000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans don’t need a cosigner, they tend to need improved credit, as high as 734
Personal Loan for a chemical engineer named Rosana in Miami, Florida to Pay Off Atlanta Braves BankAmericard Cash Rewards MasterCard
Rosana had a lot of credit card debt on their USAA Military Affiliate American Express Card and their Continential Airlines World MasterCard for Business, and they were starting to get in over their heads. Despite Rosana’s job as a chemical engineer, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Several other requests for credit have been made by Rosana in the past, including one from EverBank in Miami, Florida before Rosana was accepted for the $10000 by Dadeland Bank
Rosana made 5 previous attempts to obtain a no collateral loan, 2 of which were with EverBank, a lending institution in Miami, Florida known to specialize in no collateral loans specifically. Prior to finding Dadeland Bank, Rosana was desperate due to their inexperience and excellent credit rating.
When Rosana was 23, they tried to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a chronology of Rosana’s previous attempts at finding a student loan:
- Attempt 1) Loan for $35,000.00 on April 3, 2012
- Attempt 2) Loan for $24,000.00 on October 1, 2009
- Attempt 3) Loan for $37,000.00 on October 30, 2010
- Attempt 4) Loan for $21,000.00 on June 26, 2010
- Attempt 5) Loan for $26,000.00 on October 18, 2011
- Attempt 6) Loan for $29,000.00 on March 15, 2013
Rosana was rejected by The Broadway National Bank of Tampa 7 times before being accepted by Dadeland Bank at 7545 North Kendall Drive
On April 19, 2009, Rosana applied about borrowing $36,000 from Barnett Bank of West Florida with Elana, their in law from just outside Miami, and even with the co-signer, Rosana was rejected for this no collateral loan. With excellent credit, it can be challenging to obtain funding, even with collateral and a co-signer.
Contact Details for Dadeland Bank, the provider of this no collateral loan
- Dadeland Bank
- City: Miami
- State: Florida
- Address: 7545 North Kendall Drive
- County: Miami-Dade
- Zip code: 33156
- Full name (Changed if requested): Rosana Yournet
- Current Credit: loans.hit.utils.Fico@27bc2616
- Current City: Miami
- State: Florida
- Zip code: 33159
- Yearly income: $50,000
- Current Job: chemical engineer
- Current County: Miami-Dade
- Goal Yearly Income: $137,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Paraphrased and Standardized Quote from Rosana for this no collateral loan of $10000, provided by Dadeland Bank
Hello, I am Rosana and I am from Miami in Florida. Miami-Dade, county is where I grew up, and now I need a no collateral loan in Florida for $10000 to buy a big ticket item. It wasn’t easy, but Dadeland Bank really came through for me with this loan for 10.3% interest APR and a term of 7 years. I can probably repay the loan over the 7 year term, including interest. A big thanks to Dadeland Bank for giving me a chance and my excellent credit. It look me 8 years to build my credit to 721, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.
Rosana’s Transunion score was changed by the no collateral loan loan, changing to 703 from 721, which is normal in our experience.
Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $29,000.00 to $42,000.00. They are typically used to pay off existing high interest loans like credit cards. Rosana needed a debt consolidation loan to pay for their existing no collateral loan and their loan shark loan. Rosana 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 transfers your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.8%.
Rosana has a sad current gross income, but has a large amount of prospects
Rosana has always wanted to be an aircraft mechanic, but would have to attend Kaplan University again to become one. Rosana has other possibilities as well, including nuclear medicine technologist, construction manager, and elementary school administrator, which pay $58,000 through to $91,000 per year, at least. For this reason, we believe that Rosana can afford this no collateral loan of $10000.
Fast Loans for Rosana in Miami, Florida to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Miami, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Rosana. Rosana was able to find a fast loan for $10000 from Citizens Bank of Marianna and SunTrust Bank, Northwest, Florida, but declined both offers in favor of their no collateral loan from Dadeland Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference if a client is on the go.
Conclusion of Rosana’s no collateral loan
In the end, Rosana was able to find a no collateral loan for $10000 with an interest rate of 6.3% interest APR from Dadeland Bank in Miami, Florida repayable over 7 years from today.