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No Collateral Loan For $24000 Near 12589, New York With A Credit Score Of 402

$24000 No Collateral Loan – Wallkill New York, Credit Rating Of 402

  • Experian: 417 – The client had a bad Experian rating
  • Transunion: 386 – Ester had a bad credit rating with Transunion.
  • Equifax: Ester’s Experian score was 402, which is a bad credit score on the Experian system.

Installment loan for Ester, a graduate of Webster University and a meter mechanic working for over $76,000 per year

Ester, an alumnus at Webster University and a meter mechanic in Wallkill, New York needs a no collateral loan to purchase a car. Ester has instead chosen to obtain an installment loan for $24,000 and is at present seeking lenders like Amalgamated Bank to provide it.

Personal Loan for a meter mechanic named Ester in Wallkill, New York to Pay Off Vision Platinum Visa Prepaid Card

Ester had a lot of credit card debt on their Sleep Train Credit Card and their Plains Commerce Bank Visa Gold Card, and they were starting to get in over their heads. Despite Ester’s job as a meter mechanic, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

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

Fast loans in Wallkill, New York aren’t actually that difficult to obtain, especially if you have some gumption like Ester. Ester was able to find a fast loan for $24000 from Lewis County Trust Company and HSBC Bank USA, but turned down both offers in favor of their no collateral loan from Wallkill Valley Federal Savings and Loan Association. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. An improvement if you are on the go.

6 Months Ago, Ester Attempted to Find a High Risk Loan for $35,000.00, and it was Easy

There is an existing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Ester. Ester decided not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Borrowers with credit scores as low as 416 can apply for a high risk loan and may be be approved.

When Ester was 22, they tried to obtain a student loan from 4 different banks, which harmed their credit rating. Below is a list of Ester’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on March 24, 2011
  • Attempt 2) Loan for $27,000.00 on September 26, 2012
  • Attempt 3) Loan for $30,000.00 on February 22, 2009
  • Attempt 4) Loan for $31,000.00 on February 17, 2010

Contact Details for Wallkill Valley Federal Savings and Loan Association, the provider of this no collateral loan

  • Wallkill Valley Federal Savings and Loan Association
  • City: Wallkill
  • State: New York
  • Address: 23 Wallkill Avenue
  • County: Ulster
  • Zip code: 12589

Ester has a disappointing current gross income, but has several of prospects

Ester has always wanted to be a truck driver, but would need attend Webster University again to become one. Ester has other prospects as well, including utility meter reader, reservation ticket agent, and school psychologist, which pay $52,000 through to $92,000 per year, at least. Because of this, we think that Ester can afford this no collateral loan of $24000.

Several other requests for credit have been made by Ester in the past, including one from First Federal Savings Bank of Annapolis in Wallkill, New York before Ester was accepted for the $24000 by Wallkill Valley Federal Savings and Loan Association

Ester made 6 previous tries to obtain a no collateral loan, 2 of which were with First Federal Savings Bank of Annapolis, a lending institution in Wallkill, New York known to specialize in no collateral loans specifically. Before finding Wallkill Valley Federal Savings and Loan Association, Ester was concerned due to their inexperience and bad credit score.

Ester’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their meter mechanic job and their future career as a truck driver

Fico Score: 402

Previous requests on Ester’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$126560.00 6 8.4% $2243.81 Bankers Trust Company of Albany, National Association May 18, 2009
$126650.00 10 5.3% $1361.97 Montgomery County Trust Company October 7, 2013
$126870.00 10 10.3% $1697.74 Bank of Avoca September 4, 2014
$127140.00 5 5.5% $2428.52 The State Bank of Belmont January 25, 2015
$127390.00 3 5.7% $3858.16 Fleet Bank of New York, National Association March 13, 2015

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

Average debt consolidation loans range from $25,000.00 to $56,000.00. They are typically used to pay off existing high interest loans like credit cards. Ester needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Ester was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.3%.

Paraphrased and Standardized Quote from Ester for this no collateral loan of $24000, provided by Wallkill Valley Federal Savings and Loan Association

Hi, I am Ester and my hometown is Wallkill in New York. Ulster, county is where I grew up, and now I need a no collateral loan in New York for $24000 to avoid bankruptcy. It wasn’t easy, but Wallkill Valley Federal Savings and Loan Association really came through for me with this loan for 10.4% interest APR and a term of 4 years. I will repay the loan over the 4 year term, including interest. A big thanks to Wallkill Valley Federal Savings and Loan Association for giving me a chance and my bad credit. It look me 7 years to create my credit to 402, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Before applying for this no collateral loan, Ester had an Experian score of 417, which is bad, so Wallkill Valley Federal Savings and Loan Association likely cannot provide Ester a no collateral loan

Experian Score: 417

Ester’s Transunion score was altered by the no collateral loan loan, changing to 386 from 402, which is typical in our experience.

Transunion Score: 386

Client Profile: Ester Lamirande of Wallkill, New York
  • Full name (Changed if requested): Ester Lamirande
  • Current Credit: loans.hit.utils.Fico@1f17ae12
  • Current City: Wallkill
  • State: New York
  • Zip code: 12591
  • Yearly income: $62,000
  • Current Job: meter mechanic
  • Current County: Ulster
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Ester was not approved by The Bank of New York Mellon 5 times prior to being granted funding by Wallkill Valley Federal Savings and Loan Association at 23 Wallkill Avenue

On December 19, 2009, Ester inquired about borrowing $22,000 from Bank of Millbrook with Kina, their in law from just outside Wallkill, and even with the co-signer, Ester was rejected for this no collateral loan. With bad credit, it can be challenging to procure funding, even with collateral and a co-signer.

Signature Loan easily acquired in Wallkill, New York for $24000 with bad credit by Ester

Most clients have difficulty with obtaining signature loans in Wallkill, New York, and Ester is no exception. Ester went to 7 lending institutions or more prior to finding Wallkill Valley Federal Savings and Loan Association, who offered Ester a signature loan for $24000. Most signature loans simply need a client, like Ester’s signature to obtain them, up to $33,000 in some cases. Ester was able to get $24000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not need collateral, these loans tend to need improved credit, as high as 726

Conclusion of Ester’s no collateral loan

In the end, Ester was able to find a no collateral loan for $24000 with an interest rate of 5.2% interest APR from Wallkill Valley Federal Savings and Loan Association in Wallkill, New York repayable over 4 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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