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$12000 Private Loan With Good Credit In Greene New York

$12000 Private Loan – Greene New York, Credit Rating Of 626

  • Experian: 642 – This client had a good Experian rating
  • Transunion: 610 – Kimbery had a good credit rating with Transunion.
  • Equifax: Kimbery’s Experian score was 626, which is a good credit rating using the Experian scale.

Kimbery’s Transunion score was altered by the private loan loan, changing to 610 from 626, which is normal in our experience.

Transunion Score: 610

Before applying for this private loan, Kimbery had an Experian score of 642, which is good, so First National Bank in Greene probably cannot provide Kimbery a private loan

Experian Score: 642

Previous requests on Kimbery’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$121120.00 6 10.3% $2262.22 Bankers Trust Company of Albany, National Association March 15, 2009
$121100.00 11 8.2% $1395.48 Montgomery County Trust Company May 8, 2010
$121300.00 3 11.2% $3982.7 Bank of Avoca September 21, 2011
$120800.00 8 9.7% $1813.92 The State Bank of Belmont December 6, 2013
$121430.00 11 9.3% $1472.59 Fleet Bank of New York, National Association May 17, 2014

Several past requests for credit have been made by Kimbery in the past, including one from The Bank of Baltimore in Greene, New York before Kimbery was approved for the $12000 by First National Bank in Greene

Kimbery made 9 previous attempts to obtain a private loan, 2 of which were with The Bank of Baltimore, a bank in Greene, New York known to specialize in private loans specifically. Prior to finding First National Bank in Greene, Kimbery was very concerned due to their inexperience and good credit rating.

When Kimbery was 21, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a chronology of Kimbery’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on November 22, 2009
  • Attempt 2) Loan for $31,000.00 on September 1, 2009
  • Attempt 3) Loan for $29,000.00 on November 3, 2013
  • Attempt 4) Loan for $21,000.00 on August 25, 2011
  • Attempt 5) Loan for $26,000.00 on January 7, 2013
Client Profile: Kimbery Krostag of Greene, New York
  • Full name (Changed if requested): Kimbery Krostag
  • Current Credit: loans.hit.utils.Fico@1a93a7ca
  • Current City: Greene
  • State: New York
  • Zip code: 13782
  • Yearly income: $38,000
  • Current Job: biomedical equipment technician
  • Current County: Chenango
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Kimbery has a disappointing current total income, but has a large amount of prospects

Kimbery has always wanted to be a narcotics investigator, but would have to attend Marian University again to become one. Kimbery has other possibilities as well, including business professor, finance manager, and sales representative, which pay $59,000 through to $94,000 per year, on average. For this reason, we believe that Kimbery can pay for this private loan of $12000.

Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $29,000.00 to $44,000.00. They are typically used to pay off existing high interest loans like credit cards. Kimbery required a debt consolidation loan to pay for their existing private loan and their payday loan. Kimbery was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 3.3%.

Installment loan for Kimbery, a graduate of Marian University and a biomedical equipment technician working for over $71,000 per year

Kimbery, an alumnus at Marian University and a biomedical equipment technician in Greene, New York wants a private loan to purchase a house. Kimbery has instead decided to obtain an installment loan for $26,000 and is currently seeking lenders like Morgan Guaranty Trust Company of New York to provide it.

Signature Loan found in Greene, New York for $12000 with good credit by Kimbery

Most borrowers have difficulty with obtaining signature loans in Greene, New York, and Kimbery is not an exception. Kimbery went to 6 lenders or more before finding First National Bank in Greene, who offered Kimbery a signature loan for $12000. Most signature loans simply require a client, like Kimbery’s signature to get them, up to $20,000 in some cases. Kimbery was able to get $12000 as a private loan, which is very high for a private loan. Since signature loans don’t require collateral, they tend to need better credit, as high as 783

Fast Loans for Kimbery in Greene, New York to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Greene, New York aren’t actually that difficult to obtain, particularly if you have some finesse like Kimbery. Kimbery was able to find a fast loan for $12000 from HSBC Bank USA and The Chase Manhattan Bank (National Association), but turned down both offers in favor of their private loan from First National Bank in Greene. 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 7 weeks for debt consolidation loans. A big difference in the case that you are in a pinch.

Paraphrased and Standardized Quote from Kimbery for this private loan of $12000, provided by First National Bank in Greene

Hi, I am Kimbery and I am from Greene in New York. Chenango, county is where I grew up, and now I need a private loan in New York for $12000 to pay bills. It has been difficult, but First National Bank in Greene really came through for me with this loan for 11.4% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to First National Bank in Greene for trusting me and my good credit. It look me 9 years to build my credit to 626, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Kimbery’s Overall FICO score at the time of acceptance for a private loan, taking into account their biomedical equipment technician job and their future career as a narcotics investigator

Fico Score: 626

Personal Loan for a biomedical equipment technician named Kimbery in Greene, New York to Pay Off Wells Fargo Platinum Visa Card

Kimbery had a tonne of credit card debt on their Merrill Lynch EMA Signature Rewards and their JC Penney Credit Card, and they were starting to get in over their heads. Despite Kimbery’s job as a biomedical equipment technician, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

9 Months Ago, Kimbery Tried to Find a High Risk Loan for $38,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Kimbery. Kimbery decided not to obtain a high risk loan this time. High Risk loans are given to bad credit individuals. Individuals with credit scores as low as 379 can inquire for a high risk loan and may be be approved.

Contact Details for First National Bank in Greene, the provider of this private loan

  • First National Bank in Greene
  • City: Greene
  • State: New York
  • Address: 26 Genesee Street
  • County: Chenango
  • Zip code: 13778

Kimbery was not approved by Lewis County Trust Company 4 times before being approved by First National Bank in Greene at 26 Genesee Street

On May 10, 2014, Kimbery applied about borrowing $25,000 from Chemung Canal Trust Company with Lakenya, their in law from just outside Greene, and even with the co-signer, Kimbery was rejected for this private loan. With good credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Conclusion of Kimbery’s private loan

In the end, Kimbery was able to find a private loan for $12000 with an interest rate of 6.7% interest APR from First National Bank in Greene in Greene, New York repayable over 3 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.