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Unsecured Loan For $168000 Near 21117, Maryland With A Credit Score Of 643

$168000 Unsecured Loan – Owings Mills Maryland, Credit Rating Of 643

  • Experian: 655 – They had a good Experian rating
  • Transunion: 629 – Catarina had a good credit score with Transunion.
  • Equifax: Catarina’s Experian score was 643, which is a good credit rating using the Experian rating scheme.

Installment loan for Catarina, a graduate of Texas A&M University – Commerce and a marine drafter working for over $69,000 per year

Catarina, an alumnus at Texas A&M University – Commerce and a marine drafter in Owings Mills, Maryland needs an unsecured loan to purchase a car. Catarina has instead chosen to obtain an installment loan for $14,000 and is currently seeking lenders like 1880 Bank to provide it.

Paraphrased and Standardized Quote from Catarina for this unsecured loan of $168000, provided by BUCS Federal Bank

Hi, I am Catarina and I am from Owings Mills in Maryland. Baltimore, county is where I grew up, and now I need a unsecured loan in Maryland for $168000 to renovate my home. It wasn’t easy, but BUCS Federal Bank really came through for me with this loan for 11.1% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to BUCS Federal Bank for trusting me and my good credit. It look me 6 years to build my credit to 643, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Catarina was rejected by Boonsboro Bank of Boonsboro, Maryland 5 times prior to being approved by BUCS Federal Bank at 10455 Mill Run Circle

On May 15, 2010, Catarina applied about borrowing $29,000 from The First National Bank of St. Mary’s at Leonardtown with Tyson, their in law from just outside Owings Mills, and even with the co-signer, Catarina was rejected for this unsecured loan. With good credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Before applying for this unsecured loan, Catarina had an Experian score of 655, which is good, so BUCS Federal Bank most likely cannot provide Catarina an unsecured loan

Experian Score: 655

Catarina’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their marine drafter job and their future job as an elementary school administrator

Fico Score: 643

Catarina’s Transunion score was altered by the unsecured loan loan, changing to 629 from 643, which is typical in our experience.

Transunion Score: 629

Client Profile: Catarina Villani of Owings Mills, Maryland
  • Full name (Changed if requested): Catarina Villani
  • Current Credit: loans.hit.utils.Fico@433c675d
  • Current City: Owings Mills
  • State: Maryland
  • Zip code: 21122
  • Yearly income: $64,000
  • Current Job: marine drafter
  • Current County: Baltimore
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

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

Average debt consolidation loans vary from $28,000.00 to $43,000.00. They are normally used to pay off existing high interest loans like credit cards. Catarina needed a debt consolidation loan to pay for their existing unsecured loan and their credit card. Catarina was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.3%.

Fast Loans for Catarina in Owings Mills, Maryland to prevent bankruptcy or harm from debt collectors.

Fast loans in Owings Mills, Maryland aren’t actually that difficult to obtain, particularly if you have some gumption like Catarina. Catarina was able to find a fast loan for $168000 from The Detour Bank and 1880 Bank, but turned down both offers in favor of their unsecured loan from BUCS Federal Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. Much better in the case that a client is on the go.

Personal Loan for a marine drafter named Catarina in Owings Mills, Maryland to Pay Off Bank of Akron MasterCard Business

Catarina had a tonne of credit card debt on their Umpqua Bank Visa Signature Rewards and their Riverview Community Bank Cash Rewards American Express Card, and they were starting to get in over their heads. Despite Catarina’s job as a marine drafter, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Contact Details for BUCS Federal Bank, the provider of this unsecured loan

  • BUCS Federal Bank
  • City: Owings Mills
  • State: Maryland
  • Address: 10455 Mill Run Circle
  • County: Baltimore
  • Zip code: 21117

When Catarina was 19, they attempted to obtain a student loan from 7 different banks, which damaged their credit score. Below is a list of Catarina’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on October 5, 2010
  • Attempt 2) Loan for $20,000.00 on April 14, 2011
  • Attempt 3) Loan for $36,000.00 on July 7, 2009
  • Attempt 4) Loan for $21,000.00 on May 3, 2011
  • Attempt 5) Loan for $34,000.00 on August 6, 2011
  • Attempt 6) Loan for $37,000.00 on August 18, 2011
  • Attempt 7) Loan for $36,000.00 on November 16, 2009

7 Months in the Past, Catarina Attempted Finding a High Risk Loan for $49,000.00, and it was Easy

There is an well known struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Catarina. Catarina decided not to obtain a high risk loan this time. High Risk loans are given to very low credit applicants. Clients with credit scores as low as 302 can inquire for a high risk loan and may be be accepted.

Previous requests on Catarina’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$99490.00 10 9.1% $1265.69 American Security Bank, National Association February 10, 2011
$98780.00 4 7.5% $2388.39 The Forest Hill State Bank November 13, 2012
$99200.00 11 11.8% $1345.13 Boonsboro Bank of Boonsboro, Maryland May 21, 2013
$99310.00 9 8.1% $1298.04 Farmers Bank May 29, 2014
$98900.00 3 11.3% $3251.93 St. Michaels Bank January 19, 2015

Signature Loan easily acquired in Owings Mills, Maryland for $168000 with good credit by Catarina

Many prospective borrowers struggle with finding signature loans in Owings Mills, Maryland, and Catarina is no exception. Catarina went to 4 lending institutions or more before finding BUCS Federal Bank, who offered Catarina a signature loan for $168000. Typical signature loans simply require a client, like Catarina’s signature to obtain them, up to $36,000 in some cases. Catarina was able to get $168000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans do not require collateral, they tend to require higher credit, as high as 750

Several other requests for credit have been made by Catarina in the past, including one from Fermanagh Building and Loan Association in Owings Mills, Maryland before Catarina was accepted for the $168000 by BUCS Federal Bank

Catarina made 4 prior attempts to obtain an unsecured loan, 2 of which were with Fermanagh Building and Loan Association, a lending institution in Owings Mills, Maryland known to specialize in unsecured loans specifically. Before finding BUCS Federal Bank, Catarina was desperate due to their inexperience and good credit rating.

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

Catarina has always wanted to be an elementary school administrator, but would have to attend Texas A&M University – Commerce again to become one. Catarina has other possibilities as well, including budget analyst, industrial waste inspector, and forest and conservation technician, which pay $51,000 through to $109,000 per year, at least. For this reason, we believe that Catarina can afford this unsecured loan of $168000.

Conclusion of Catarina’s unsecured loan

In the end, Catarina was able to find an unsecured loan for $168000 with an interest rate of 5.8% interest APR from BUCS Federal Bank in Owings Mills, Maryland repayable over 12 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.