$94000 Unsecured Loan – Melville New York, Credit Score Of 528
- Experian: 538 – This individual had a fair Experian score
- Transunion: 511 – Evelynn had a fair credit rating with Transunion.
- Equifax: Evelynn’s Experian score was 528, which is a fair credit score using the Experian system.
When Evelynn was 19, they tried to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a chronology of Evelynn’s previous attempts at finding a student loan:
- Attempt 1) Loan for $29,000.00 on July 4, 2011
- Attempt 2) Loan for $22,000.00 on July 2, 2011
- Attempt 3) Loan for $23,000.00 on June 4, 2011
- Attempt 4) Loan for $22,000.00 on December 1, 2013
- Attempt 5) Loan for $36,000.00 on January 13, 2010
- Attempt 6) Loan for $24,000.00 on September 6, 2012
- Attempt 7) Loan for $20,000.00 on October 1, 2011
Contact Details for Chase Manhattan Bank of Long Island (National Association), the provider of this unsecured loan
- Chase Manhattan Bank of Long Island (National Association)
- City: Melville
- State: New York
- Address: 401 Broad Hollow Road
- County: Suffolk
- Zip code: 11746
Several previous requests for credit have been made by Evelynn in the past, including one from The First National Bank of Upland in Melville, New York before Evelynn was accepted for the $94000 by Chase Manhattan Bank of Long Island (National Association)
Evelynn made 9 prior attempts to obtain an unsecured loan, 2 of which were with The First National Bank of Upland, a lender in Melville, New York known to specialize in unsecured loans specifically. Prior to finding Chase Manhattan Bank of Long Island (National Association), Evelynn was very concerned due to their inexperience and fair credit score.
Previous requests on Evelynn’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$103750.00||3||11.4%||$3416.33||Bankers Trust Company of Albany, National Association||April 8, 2011|
|$104390.00||7||5.1%||$1480.35||Montgomery County Trust Company||February 7, 2012|
|$103880.00||7||5.8%||$1507.6||Bank of Avoca||September 15, 2014|
|$103810.00||7||5.7%||$1501.63||The State Bank of Belmont||September 25, 2014|
Evelynn’s Transunion score was changed by the unsecured loan loan, changing to 511 from 528, which is typical in our experience.
Fast Loans for Evelynn in Melville, New York to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Melville, New York aren’t actually that difficult to obtain, particularly if you have some gumption like Evelynn. Evelynn was able to find a fast loan for $94000 from Bankers Trust Company of Albany, National Association and Kingston Trust Company, but turned down both offers in favor of their unsecured loan from Chase Manhattan Bank of Long Island (National Association). The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. An improvement if you are on the go.
Evelynn was declined by Bank of Millbrook 6 times prior to being accepted by Chase Manhattan Bank of Long Island (National Association) at 401 Broad Hollow Road
On August 11, 2012, Evelynn applied about borrowing $33,000 from Montgomery County Trust Company with Elly, their friend from just outside Melville, and even with the co-signer, Evelynn was rejected for this unsecured loan. With fair credit, it can be a challenge to procure financing, even with collateral and a co-signer.
Before applying for this unsecured loan, Evelynn had an Experian score of 538, which is fair, so Chase Manhattan Bank of Long Island (National Association) likely cannot provide Evelynn an unsecured loan
Paraphrased and Standardized Quote from Evelynn for this unsecured loan of $94000, provided by Chase Manhattan Bank of Long Island (National Association)
Hello, I am Evelynn and my hometown is Melville in New York. Suffolk, county is where I grew up, and now I need a unsecured loan in New York for $94000 to buy a big ticket item. It wasn’t easy, but Chase Manhattan Bank of Long Island (National Association) really came through for me with this loan for 5.4% interest APR and a term of 3 years. I will repay the loan over the 3 year term, including interest. A big thanks to Chase Manhattan Bank of Long Island (National Association) for trusting me and my fair credit. It look me 7 years to create my credit to 528, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.
Evelynn’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their quality control inspector job and their future job as a respiratory therapist
- Full name (Changed if requested): Evelynn Toplistky
- Current Credit: loans.hit.utils.Fico@5e8c92f4
- Current City: Melville
- State: New York
- Zip code: 11749
- Yearly income: $60,000
- Current Job: quality control inspector
- Current County: Suffolk
- Goal Yearly Income: $118,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $24,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Evelynn needed a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Evelynn was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.1%.
Signature Loan acquired in Melville, New York for $94000 with fair credit by Evelynn
Many clients have difficulty with finding signature loans in Melville, New York, and Evelynn is no different. Evelynn went to 4 lending institutions or more before finding Chase Manhattan Bank of Long Island (National Association), who offered Evelynn a signature loan for $94000. Typical signature loans simply require a client, like Evelynn’s signature to obtain them, up to $35,000 in some cases. Evelynn was able to get $94000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans don’t need collateral, these loans tend to require improved credit, as high as 703
Installment loan for Evelynn, a graduate of Mount Auburn Hospital and a quality control inspector working for over $60,000 per year
Evelynn, an alumnus at Mount Auburn Hospital and a quality control inspector in Melville, New York needs an unsecured loan to purchase a car. Evelynn has instead chosen to get an installment loan for $1,000 and is currently seeking lenders like Marine Midland Bank – New York to provide it.
Personal Loan for a quality control inspector named Evelynn in Melville, New York to Pay Off Commerce Bank Secured Visa Credit Card
Evelynn had a tonne of credit card debt on their Art Van Signature Card and their Associated Bank Visa Business Card, and they were starting to get in over their heads. Despite Evelynn’s job as a quality control inspector, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
6 Months in the Past, Evelynn Attempted Finding a High Risk Loan for $26,000.00, and it was Hard
It is an existing struggle for borrowers to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Evelynn. Evelynn decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Borrowers with credit ratings as low as 521 can inquire for a high risk loan and possibly can be accepted.
Evelynn has a low current yearly income, but has a high number of prospects
Evelynn has always wanted to be a respiratory therapist, but would have to attend Mount Auburn Hospital again to achieve it. Evelynn has other prospects as well, including ballistics expert, highway maintenance worker, and home economics teacher, which pay $59,000 through to $92,000 per year, at least. For this reason, we believe that Evelynn can pay for this unsecured loan of $94000.
Conclusion of Evelynn’s unsecured loan
In the end, Evelynn was able to find an unsecured loan for $94000 with an interest rate of 11.2% interest APR from Chase Manhattan Bank of Long Island (National Association) in Melville, New York repayable over 3 years from now.