$26000 No Collateral Loan – Las Animas Colorado, Credit Score Of 848
- Experian: 866 – They had an excellent Experian rating
- Transunion: 832 – Penni had an excellent credit rating with Transunion.
- Equifax: Penni’s Experian score was 848, which is an excellent credit rating on the Experian scale.
Contact Details for The First National Bank of Las Animas, the provider of this no collateral loan
- The First National Bank of Las Animas
- City: Las Animas
- State: Colorado
- Address: 535 Bent Avenue
- County: Bent
- Zip code: 81054
Penni was rejected by The Berthoud National Bank 5 times prior to being approved by The First National Bank of Las Animas at 535 Bent Avenue
On January 31, 2013, Penni inquired about borrowing $41,000 from The Berthoud National Bank with Daniell, their in law from just outside Las Animas, and even with the co-signer, Penni was rejected for this no collateral loan. With excellent credit, it can be difficult to obtain financing, even with collateral and a co-signer.
Before applying for this no collateral loan, Penni had an Experian score of 866, which is excellent, so The First National Bank of Las Animas probably cannot provide Penni a no collateral loan
Fast Loans for Penni in Las Animas, Colorado to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Las Animas, Colorado aren’t actually that difficult to obtain, particularly if you have some finesse like Penni. Penni was able to find a fast loan for $26000 from The Minnequa Bank of Pueblo and Norwest Bank Boulder, National Association, but turned down both offers in favor of their no collateral loan from The First National Bank of Las Animas. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. An improvement in the case that a borrower is on the go.
Penni’s Transunion score was changed by the no collateral loan loan, changing to 832 from 848, which is typical in our experience.
Personal Loan for a heating named Penni in Las Animas, Colorado to Pay Off Kohl’s Charge Card
Penni had a tonne of credit card debt on their American Eagle Outfitters Inc. Credit Card and their Navy FCU GO REWARDS, and they were starting to get in over their heads. Despite Penni’s job as a heating, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.
- Full name (Changed if requested): Penni Monopoli
- Current Credit: loans.hit.utils.Fico@b065c63
- Current City: Las Animas
- State: Colorado
- Zip code: 81056
- Yearly income: $41,000
- Current Job: heating
- Current County: Bent
- Goal Yearly Income: $124,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Many past requests for credit have been made by Penni in the past, including one from Mutual Aid Savings and Loan Association in Las Animas, Colorado before Penni was approved for the $26000 by The First National Bank of Las Animas
Penni made 9 previous tries to obtain a no collateral loan, 2 of which were with Mutual Aid Savings and Loan Association, a bank in Las Animas, Colorado known to specialize in no collateral loans specifically. Before finding The First National Bank of Las Animas, Penni was very concerned due to their inexperience and excellent credit score.
Penni has a sad current total income, but has a large amount of prospects
Penni has always wanted to be an animal trainer, but would have to attend Schenck Civilian Conservation Center again to achieve it. Penni has other prospects as well, including geological technician, city planning aide, and historical archivist, which pay $58,000 through to $90,000 per year, on average. For this reason, we think that Penni can pay for this no collateral loan of $26000.
When Penni was 22, they tried to obtain a student loan from 6 different lenders, which harmed their credit score. Below is a chronology of Penni’s prior attempts at finding a student loan:
- Attempt 1) Loan for $28,000.00 on October 19, 2009
- Attempt 2) Loan for $38,000.00 on September 16, 2009
- Attempt 3) Loan for $32,000.00 on November 3, 2012
- Attempt 4) Loan for $21,000.00 on March 10, 2011
- Attempt 5) Loan for $33,000.00 on August 12, 2011
- Attempt 6) Loan for $23,000.00 on May 5, 2013
Penni’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their heating job and their future career as an animal trainer
Previous requests on Penni’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$108310.00||7||9.7%||$1781.33||Affiliated National Bank – Delta||December 13, 2009|
|$107720.00||7||10.6%||$1821.85||Central Bank, National Association||April 17, 2013|
|$108160.00||5||5.8%||$2080.99||The Colorado Bank and Trust Company of La Junta||July 5, 2013|
|$108220.00||3||9.5%||$3466.61||Colorado State Bank and Trust, N. A.||February 19, 2015|
|$108490.00||10||9.1%||$1380.18||Mountain Parks Bank – West||March 27, 2015|
Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans vary from $33,000.00 to $54,000.00. They are mainly used to pay off existing high interest loans like credit cards. Penni needed a debt consolidation loan to pay for their existing no collateral loan and their credit card. Penni was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.7%.
Signature Loan easily acquired in Las Animas, Colorado for $26000 with excellent credit by Penni
Most clients have difficulty with obtaining signature loans in Las Animas, Colorado, and Penni is no exception. Penni went to 7 lenders or more before settling on The First National Bank of Las Animas, who offered Penni a signature loan for $26000. Typical signature loans simply need a client, like Penni’s signature to get them, up to $44,000 in some cases. Penni was able to get $26000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not need collateral, these loans generally require better credit, as high as 709
6 Months in the Past, Penni Attempted to Find a High Risk Loan for $20,000.00, and it was Hard
It is an well known struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Penni. Penni chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Clients with credit ratings as low as 308 can inquire for a high risk loan and have a chance to be accepted.
Paraphrased and Standardized Quote from Penni for this no collateral loan of $26000, provided by The First National Bank of Las Animas
Hello, I am Penni and I am from Las Animas in Colorado. Bent, county is where I grew up, and now I need a no collateral loan in Colorado for $26000 to pay bills. It wasn’t easy, but The First National Bank of Las Animas really came through for me with this loan for 9.4% interest APR and a term of 13 years. I can repay the loan over the 13 year term, including interest. A big thanks to The First National Bank of Las Animas for giving me a chance and my excellent credit. It look me 4 years to build my credit to 848, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.
Installment loan for Penni, a graduate of Schenck Civilian Conservation Center and a heating working for over $64,000 per year
Penni, an alumnus at Schenck Civilian Conservation Center and a heating in Las Animas, Colorado wants a no collateral loan to purchase a new cell phone. Penni has instead decided to obtain an installment loan for $22,000 and is at present seeking lenders like Bank One, Colorado Springs, National Association to process their request.
Conclusion of Penni’s no collateral loan
In the end, Penni was able to find a no collateral loan for $26000 with an interest rate of 8.2% interest APR from The First National Bank of Las Animas in Las Animas, Colorado repayable over 13 years from now.