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Same Day Loan Of $94000 For Terrible Credit New York Resident

$94000 Same Day Loan – Lyndonville New York, Credit Rating Of 335

  • Experian: 345 – This individual had a terrible Experian rating
  • Transunion: 318 – Arthur had a terrible credit score with Transunion.
  • Equifax: Arthur’s Experian score was 335, which is a terrible credit rating using the Experian scale.

Previous requests on Arthur’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$134810.00 4 11.2% $3497.34 Bankers Trust Company of Albany, National Association June 14, 2011
$135160.00 9 8.1% $1766.62 Montgomery County Trust Company August 9, 2013
$134630.00 10 6.3% $1515.03 Bank of Avoca June 28, 2014
$135400.00 10 5.5% $1469.45 The State Bank of Belmont October 30, 2014
$135450.00 4 8.6% $3345.01 Fleet Bank of New York, National Association January 7, 2015

Multiple other requests for credit have been made by Arthur in the past, including one from The Stock Exchange Bank, Caldwell, Kansas in Lyndonville, New York before Arthur was accepted for the $94000 by Citizens State Bank

Arthur made 8 previous tries to obtain a same day loan, 2 of which were with The Stock Exchange Bank, Caldwell, Kansas, a lending institution in Lyndonville, New York known to specialize in same day loans specifically. Prior to finding Citizens State Bank, Arthur was concerned due to their inexperience and terrible credit score.

Installment loan for Arthur, a graduate of Delta Montrose Technical College and a city planning aide working for over $61,000 per year

Arthur, an alumnus at Delta Montrose Technical College and a city planning aide in Lyndonville, New York needs a same day loan to purchase a house. Arthur has instead chosen to get an installment loan for $14,000 and is currently seeking lenders like Marine Midland Bank – New York to provide it.

Arthur’s Overall FICO score at the time of acceptance for a same day loan, taking into account their city planning aide job and their future career as a casino manager

Fico Score: 335

Contact Details for Citizens State Bank, the provider of this same day loan

  • Citizens State Bank
  • City: Lyndonville
  • State: New York
  • Address: 3 South Main Street
  • County: Orleans
  • Zip code: 14098

Arthur’s Transunion score was altered by the same day loan loan, changing to 318 from 335, which is normal in our experience.

Transunion Score: 318

When Arthur was 19, they attempted to obtain a student loan from 6 alternate banks, which damaged their credit rating. Below is a list of Arthur’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on August 8, 2009
  • Attempt 2) Loan for $25,000.00 on July 2, 2013
  • Attempt 3) Loan for $21,000.00 on August 1, 2012
  • Attempt 4) Loan for $39,000.00 on February 17, 2009
  • Attempt 5) Loan for $32,000.00 on December 2, 2012
  • Attempt 6) Loan for $28,000.00 on July 13, 2009

Before applying for this same day loan, Arthur had an Experian score of 345, which is terrible, so Citizens State Bank likely cannot provide Arthur a same day loan

Experian Score: 345

Client Profile: Arthur Enis of Lyndonville, New York
  • Full name (Changed if requested): Arthur Enis
  • Current Credit: loans.hit.utils.Fico@7a07c5b4
  • Current City: Lyndonville
  • State: New York
  • Zip code: 14101
  • Yearly income: $64,000
  • Current Job: city planning aide
  • Current County: Orleans
  • Goal Yearly Income: $131,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Paraphrased and Standardized Quote from Arthur for this same day loan of $94000, provided by Citizens State Bank

Hello, I am Arthur and I am from Lyndonville in New York. Orleans, county is where I grew up, and now I need a same day loan in New York for $94000 to pay bills. It has been difficult, but Citizens State Bank really came through for me with this loan for 11.0% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Citizens State Bank for giving me a chance and my terrible credit. It look me 4 years to create my credit to 335, and I won’t harm it any future. I’m happy with Find Texas Loans for helping me this far.

Arthur has a low current gross income, but has several of prospects

Arthur has always wanted to be a casino manager, but would have to attend Delta Montrose Technical College again to become one. Arthur has other prospects as well, including student admissions administrator, athletic director, and directory assistance operator, which pay $53,000 through to $92,000 per year, on average. Because of this, we think that Arthur can pay for this same day loan of $94000.

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $22,000.00 to $58,000.00. They are mainly used to pay off existing high interest loans like credit cards. Arthur required a debt consolidation loan to pay for their existing same day loan and their payday loan. Arthur was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.6%.

Personal Loan for a city planning aide named Arthur in Lyndonville, New York to Pay Off Lord & Taylor Credit Card

Arthur had a tonne of credit card debt on their Johns Hopkins American Express Rewards Card and their The Bank Visa College Relationship Rewards, and they were starting to get in over their heads. Despite Arthur’s job as a city planning aide, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Arthur was rejected by Fleet Bank of New York, National Association 4 times before being approved by Citizens State Bank at 3 South Main Street

On January 26, 2009, Arthur applied about borrowing $32,000 from Partners Trust Municipal Bank with America, their in law from just outside Lyndonville, and even with the co-signer, Arthur was rejected for this same day loan. With terrible credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Fast Loans for Arthur in Lyndonville, New York to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Lyndonville, New York aren’t actually that difficult to obtain, particularly if you have some gumption like Arthur. Arthur was able to find a fast loan for $94000 from The Chase Manhattan Bank (National Association) and Marine Midland Bank – New York, but turned down both offers in favor of their same day loan from Citizens State Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. Much better if a borrower is on the go.

9 Months Ago, Arthur Tried to Find a High Risk Loan for $34,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Arthur. Arthur chose not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Individuals with credit ratings as low as 511 can apply for a high risk loan and may be be approved.

Signature Loan easily acquired in Lyndonville, New York for $94000 with terrible credit by Arthur

Most prospective borrowers have difficulty with finding signature loans in Lyndonville, New York, and Arthur is not an exception. Arthur went to 8 lending institutions or more before settling on Citizens State Bank, who offered Arthur a signature loan for $94000. Most signature loans simply require a client, like Arthur’s signature to obtain them, up to $33,000 in some cases. Arthur was able to get $94000 as a same day loan, which is very high for a same day loan. Since signature loans don’t require collateral, these loans generally require better credit, as high as 734

Conclusion of Arthur’s same day loan

In the end, Arthur was able to find a same day loan for $94000 with an interest rate of 6.2% interest APR from Citizens State Bank in Lyndonville, New York repayable over 14 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.