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Unsecured Loan With Low APR In Waukesha County, Wisconsin

$102000 Unsecured Loan – Brookfield Wisconsin, Credit Score Of 816

  • Experian: 834 – The client had an excellent Experian score
  • Transunion: 798 – Joanie had an excellent credit score with Transunion.
  • Equifax: Joanie’s Experian score was 816, which is an excellent credit score using the Experian system.
Client Profile: Joanie Pinzon of Brookfield, Wisconsin
  • Full name (Changed if requested): Joanie Pinzon
  • Current Credit: loans.hit.utils.Fico@65b3120a
  • Current City: Brookfield
  • State: Wisconsin
  • Zip code: 53007
  • Yearly income: $34,000
  • Current Job: materials scientist
  • Current County: Waukesha
  • Goal Yearly Income: $108,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Joanie was rejected by Continental Bank & Trust Co. 5 times before being accepted by Ridgestone Bank at 13925 West North Avenue

On November 23, 2012, Joanie inquired about borrowing $36,000 from Burlington Marine Bank with Jenniffer, their friend from just outside Brookfield, and even with the co-signer, Joanie was rejected for this unsecured loan. With excellent credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Personal Loan for a materials scientist named Joanie in Brookfield, Wisconsin to Pay Off PAYjr Visa Buxx Prepaid Card

Joanie had a tonne of credit card debt on their State Farm Bank Business Visa Card and their New York Yankees BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Joanie’s job as a materials scientist, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Several past requests for credit have been made by Joanie in the past, including one from First Bank, CBC in Brookfield, Wisconsin before Joanie was approved for the $102000 by Ridgestone Bank

Joanie made 7 prior attempts to obtain an unsecured loan, 2 of which were with First Bank, CBC, a lender in Brookfield, Wisconsin known to specialize in unsecured loans specifically. Before finding Ridgestone Bank, Joanie was very concerned due to their inexperience and excellent credit rating.

Before applying for this unsecured loan, Joanie had an Experian score of 834, which is excellent, so Ridgestone Bank likely cannot provide Joanie an unsecured loan

Experian Score: 834

When Joanie was 22, they attempted to obtain a student loan from 5 different lenders, which damaged their credit rating. Below is a chronology of Joanie’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on February 10, 2013
  • Attempt 2) Loan for $27,000.00 on April 11, 2011
  • Attempt 3) Loan for $37,000.00 on May 16, 2011
  • Attempt 4) Loan for $24,000.00 on August 26, 2009
  • Attempt 5) Loan for $28,000.00 on November 24, 2008

Joanie’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their materials scientist job and their future job as a military-enlisted personnel

Fico Score: 816

Installment loan for Joanie, a graduate of Erskine College and a materials scientist working for over $62,000 per year

Joanie, an alumnus at Erskine College and a materials scientist in Brookfield, Wisconsin wants an unsecured loan to purchase a new cell phone. Joanie has instead chosen to get an installment loan for $23,000 and is at present seeking lenders like S & C Bank, Chippewa to process their request.

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

Most debt consolidation loans range from $32,000.00 to $54,000.00. They are mainly used to pay off existing high interest loans like credit cards. Joanie needed a debt consolidation loan to pay for their existing unsecured loan and their credit card. Joanie 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 dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.2%.

Previous requests on Joanie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$64330.00 5 7.3% $1282.94 M&I Bank of Burlington May 8, 2011
$64350.00 7 11.2% $1108.61 M&I Marshall and Ilsley Bank February 6, 2012
$64420.00 7 5.7% $931.85 Continental Bank & Trust Co. December 1, 2013
$64160.00 9 9.7% $892.9 Clare Bank, National Association May 18, 2014
$64140.00 5 10.8% $1388.17 Norwest Bank Wisconsin East Central January 14, 2015

Signature Loan found in Brookfield, Wisconsin for $102000 with excellent credit by Joanie

A lot of prospective borrowers struggle with finding signature loans in Brookfield, Wisconsin, and Joanie is the same. Joanie went to 5 lenders or more prior to finding Ridgestone Bank, who offered Joanie a signature loan for $102000. Most signature loans simply require a client, like Joanie’s signature to obtain them, up to $36,000 in some cases. Joanie was able to get $102000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t need collateral, these loans generally need better credit, as high as 719

Joanie has a sad current yearly income, but has a high number of prospects

Joanie has always wanted to be a military-enlisted personnel, but would need attend Erskine College again to achieve it. Joanie has other possibilities as well, including library science professor, correspondence clerk, and logging worker supervisor, which pay $55,000 through to $107,000 per year, on average. For this reason, we think that Joanie can pay for this unsecured loan of $102000.

8 Months in the Past, Joanie Tried Finding a High Risk Loan for $38,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Joanie. Joanie decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Clients with credit ratings as low as 499 can inquire for a high risk loan and have a chance to be accepted.

Paraphrased and Standardized Quote from Joanie for this unsecured loan of $102000, provided by Ridgestone Bank

Hello, I am Joanie and my hometown is Brookfield in Wisconsin. Waukesha, county is where I grew up, and now I need a unsecured loan in Wisconsin for $102000 to pay bills. It wasn’t easy, but Ridgestone Bank really came through for me with this loan for 9.8% interest APR and a term of 24 years. I can probably repay the loan over the 24 year term, including interest. A big thanks to Ridgestone Bank for giving me a chance and my excellent credit. It look me 7 years to build my credit to 816, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Contact Details for Ridgestone Bank, the provider of this unsecured loan

  • Ridgestone Bank
  • City: Brookfield
  • State: Wisconsin
  • Address: 13925 West North Avenue
  • County: Waukesha
  • Zip code: 53005

Joanie’s Transunion score was changed by the unsecured loan loan, changing to 798 from 816, which is normal in our experience.

Transunion Score: 798

Fast Loans for Joanie in Brookfield, Wisconsin to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Brookfield, Wisconsin aren’t actually that difficult to obtain, particularly if you have some gumption like Joanie. Joanie was able to find a fast loan for $102000 from Continental Bank & Trust Co. and First Bank Southeast, National Association, but turned down both offers in favor of their unsecured loan from Ridgestone Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. Much better in the case that a client is in a time sensitive situation.

Conclusion of Joanie’s unsecured loan

In the end, Joanie was able to find an unsecured loan for $102000 with an interest rate of 10.1% interest APR from Ridgestone Bank in Brookfield, Wisconsin repayable over 24 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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