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Unsecured Loan With Very Low APR In Union County, New Jersey

$1739000 Unsecured Loan – Union New Jersey, Credit Rating Of 580

  • Experian: 593 – This client had a fair Experian score
  • Transunion: 566 – Rona had a fair credit rating with Transunion.
  • Equifax: Rona’s Experian score was 580, which is a fair credit rating with the Experian rating scheme.

Fast Loans for Rona in Union, New Jersey to prevent bankruptcy or harm from debt collectors.

Fast loans in Union, New Jersey aren’t actually that difficult to obtain, especially if you have some gumption like Rona. Rona was able to find a fast loan for $1739000 from Chemical Bank New Jersey, National Association and The Summit Trust Company, but declined both offers in favor of their unsecured loan from First New Jersey Bank. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big improvement in the case that a client is on the go.

Personal Loan for a career counselor named Rona in Union, New Jersey to Pay Off Commerce Bank Miles Credit Card

Rona had a tonne of credit card debt on their Colorado Rockies BankAmericard Cash Rewards MasterCard and their Associated Bank Visa Platinum Card, and they were starting to get in over their heads. Despite Rona’s job as a career counselor, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Rona’s Transunion score was altered by the unsecured loan loan, changing to 566 from 580, which is typical in our experience.

Transunion Score: 566

Rona’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their career counselor job and their future career as a sports events business manager

Fico Score: 580

Installment loan for Rona, a graduate of Missouri State University and a career counselor working for over $66,000 per year

Rona, an alumnus at Missouri State University and a career counselor in Union, New Jersey wants an unsecured loan to purchase a new cell phone. Rona has instead decided to obtain an installment loan for $25,000 and is at present seeking lenders like Suburban Trust Company to process their request.

Previous requests on Rona’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$35460.00 6 11.8% $689.57 The State Bank of North Jersey March 24, 2009
$34510.00 9 10.1% $487.73 Carteret Bank and Trust Company March 25, 2011
$35350.00 9 10.5% $507.3 United Jersey Bank/Northwest February 15, 2012
$35150.00 7 8.7% $560.19 People’s Trust Company November 3, 2012

Signature Loan found in Union, New Jersey for $1739000 with fair credit by Rona

Many clients struggle with obtaining signature loans in Union, New Jersey, and Rona is the same. Rona went to 4 lenders or more prior to finding First New Jersey Bank, who offered Rona a signature loan for $1739000. Most signature loans simply need a client, like Rona’s signature to obtain them, up to $24,000 in some cases. Rona was able to get $1739000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans do not require collateral, these loans tend to require higher credit, as high as 715

Contact Details for First New Jersey Bank, the provider of this unsecured loan

  • First New Jersey Bank
  • City: Union
  • State: New Jersey
  • Address: 1930 Morris Avenue
  • County: Union
  • Zip code: 7083

Rona has a disappointing current yearly income, but has a large amount of prospects

Rona has always wanted to be a sports events business manager, but would need attend Missouri State University again to become one. Rona has other possibilities as well, including animal scientist, aeronautical & aerospace engineer, and industrial engineering technician, which pay $58,000 through to $90,000 per year, on average. For this reason, we believe that Rona can afford this unsecured loan of $1739000.

6 Months Ago, Rona Attempted to Find a High Risk Loan for $31,000.00, and it was Easy

There is an well known struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Rona. Rona chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Individuals with credit scores as low as 582 can inquire for a high risk loan and may be be accepted.

Rona was rejected by The National Bank of Sussex County 6 times prior to being approved by First New Jersey Bank at 1930 Morris Avenue

On April 29, 2009, Rona applied about borrowing $22,000 from Ridgefield Park Trust Company with Kristin, their in law from just outside Union, and even with the co-signer, Rona was rejected for this unsecured loan. With fair credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Before applying for this unsecured loan, Rona had an Experian score of 593, which is fair, so First New Jersey Bank probably cannot provide Rona an unsecured loan

Experian Score: 593

Several previous requests for credit have been made by Rona in the past, including one from Pacific Coast Bank in Union, New Jersey before Rona was approved for the $1739000 by First New Jersey Bank

Rona made 6 prior attempts to obtain an unsecured loan, 2 of which were with Pacific Coast Bank, a lender in Union, New Jersey known to specialize in unsecured loans specifically. Before finding First New Jersey Bank, Rona was desperate due to their inexperience and fair credit score.

Paraphrased and Standardized Quote from Rona for this unsecured loan of $1739000, provided by First New Jersey Bank

Hello, I am Rona and I am from Union in New Jersey. Union, county is where I grew up, and now I need a unsecured loan in New Jersey for $1739000 to buy a big ticket item. It wasn’t easy, but First New Jersey Bank really came through for me with this loan for 6.1% interest APR and a term of 10 years. I will repay the loan over the 10 year term, including interest. A big thanks to First New Jersey Bank for trusting me and my fair credit. It look me 5 years to build my credit to 580, and I won’t harm it any future. I’m happy with Find Texas Loans for helping me this far.

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

Most debt consolidation loans range from $26,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Rona needed a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Rona was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.0%.

Client Profile: Rona Folino of Union, New Jersey
  • Full name (Changed if requested): Rona Folino
  • Current Credit: loans.hit.utils.Fico@1218025c
  • Current City: Union
  • State: New Jersey
  • Zip code: 7091
  • Yearly income: $58,000
  • Current Job: career counselor
  • Current County: Union
  • Goal Yearly Income: $111,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

When Rona was 19, they attempted to obtain a student loan from 6 alternate lenders, which damaged their credit score. Below is a chronology of Rona’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on April 7, 2009
  • Attempt 2) Loan for $24,000.00 on December 17, 2009
  • Attempt 3) Loan for $22,000.00 on February 25, 2010
  • Attempt 4) Loan for $22,000.00 on March 29, 2013
  • Attempt 5) Loan for $29,000.00 on July 31, 2012
  • Attempt 6) Loan for $31,000.00 on April 18, 2012

Conclusion of Rona’s unsecured loan

In the end, Rona was able to find an unsecured loan for $1739000 with an interest rate of 6.3% interest APR from First New Jersey Bank in Union, New Jersey repayable over 10 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.