$100000 Unsecured Loan – Waterville Maine, Credit Rating Of 719
- Experian: 731 – They had a good Experian rating
- Transunion: 704 – Niki had a good credit score with Transunion.
- Equifax: Niki’s Experian score was 719, which is a good credit rating with the Experian scale.
7 Months in the Past, Niki Attempted Finding a High Risk Loan for $25,000.00, and it was Hard
There is an ongoing struggle for borrowers to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Niki. Niki decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Individuals with credit scores as low as 579 can apply for a high risk loan and have a chance to be accepted.
Niki has a disappointing current gross income, but has several of prospects
Niki has always wanted to be a fraud investigator, but would need attend Hunter Business School again to become one. Niki has other possibilities as well, including veterinarian, sales representative, and employment and placement specialist, which pay $54,000 through to $105,000 per year, on average. Because of this, we think that Niki can afford this unsecured loan of $100000.
Contact Details for Waterville Savings and Loan Association, the provider of this unsecured loan
- Waterville Savings and Loan Association
- City: Waterville
- State: Maine
- Address: Corner North & Main Streets
- County: Kennebec
- Zip code: 4901
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans vary from $31,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Niki required a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Niki was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.5%.
Signature Loan found in Waterville, Maine for $100000 with good credit by Niki
A lot of prospective borrowers struggle with finding signature loans in Waterville, Maine, and Niki is not an exception. Niki went to 6 lending institutions or more prior to finding Waterville Savings and Loan Association, who offered Niki a signature loan for $100000. Most signature loans simply require a client, like Niki’s signature to obtain them, up to $22,000 in some cases. Niki was able to get $100000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans do not require a cosigner, these loans tend to require better credit, as high as 730
- Full name (Changed if requested): Niki Panto
- Current Credit: loans.hit.utils.Fico@66a29884
- Current City: Waterville
- State: Maine
- Zip code: 4910
- Yearly income: $65,000
- Current Job: anesthesiologist
- Current County: Kennebec
- Goal Yearly Income: $124,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Installment loan for Niki, a graduate of Hunter Business School and an anesthesiologist working for over $69,000 per year
Niki, an alumnus at Hunter Business School and an anesthesiologist in Waterville, Maine needs an unsecured loan to purchase something frivolous. Niki has instead chosen to obtain an installment loan for $13,000 and is currently seeking lenders like Bank of Maine, N. A. to provide it.
When Niki was 21, they attempted to obtain a student loan from 7 different lenders, which damaged their credit score. Below is a list of Niki’s prior attempts at finding a student loan:
- Attempt 1) Loan for $20,000.00 on September 21, 2011
- Attempt 2) Loan for $26,000.00 on August 16, 2010
- Attempt 3) Loan for $36,000.00 on November 20, 2010
- Attempt 4) Loan for $30,000.00 on October 20, 2012
- Attempt 5) Loan for $30,000.00 on June 18, 2009
- Attempt 6) Loan for $23,000.00 on December 6, 2013
- Attempt 7) Loan for $27,000.00 on January 20, 2010
Niki’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their anesthesiologist job and their future career as a fraud investigator
Niki was rejected by Springvale National Bank 5 times prior to being approved by Waterville Savings and Loan Association at Corner North & Main Streets
On March 21, 2009, Niki applied about borrowing $12,000 from Key Bank of Northern Maine with Nobuko, their friend from just outside Waterville, and even with the co-signer, Niki was rejected for this unsecured loan. With good credit, it can be a challenge to procure financing, even with collateral and a co-signer.
Niki’s Transunion score was altered by the unsecured loan loan, changing to 704 from 719, which is typical in our experience.
Paraphrased and Standardized Quote from Niki for this unsecured loan of $100000, provided by Waterville Savings and Loan Association
Hi, I am Niki and I am from Waterville in Maine. Kennebec, county is where I grew up, and now I need a unsecured loan in Maine for $100000 to renovate my home. It wasn’t easy, but Waterville Savings and Loan Association really came through for me with this loan for 7.7% interest APR and a term of 16 years. I can probably repay the loan over the 16 year term, including interest. A big thanks to Waterville Savings and Loan Association for giving me a chance and my good credit. It look me 7 years to build my credit to 719, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.
Fast Loans for Niki in Waterville, Maine to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Waterville, Maine aren’t actually that difficult to obtain, particularly if you have some finesse like Niki. Niki was able to find a fast loan for $100000 from Key Bank of Northern Maine and The National Bank of Gardiner, but declined both offers in favor of their unsecured loan from Waterville Savings and Loan Association. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. An improvement if a client is in a time sensitive situation.
Before applying for this unsecured loan, Niki had an Experian score of 731, which is good, so Waterville Savings and Loan Association most likely cannot provide Niki an unsecured loan
Multiple past requests for credit have been made by Niki in the past, including one from Winchester National Bank in Waterville, Maine before Niki was accepted for the $100000 by Waterville Savings and Loan Association
Niki made 5 previous tries to obtain an unsecured loan, 2 of which were with Winchester National Bank, a lending institution in Waterville, Maine known to specialize in unsecured loans specifically. Before finding Waterville Savings and Loan Association, Niki was concerned due to their inexperience and good credit score.
Previous requests on Niki’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$29480.00||3||8.3%||$927.88||Fleet Bank of Maine||September 11, 2011|
|$29470.00||5||11.4%||$646.64||Union Trust Company||January 25, 2012|
|$29170.00||8||5.7%||$379.09||Northeast Bank of Sanford||September 7, 2012|
|$29220.00||6||8.3%||$516.61||Bank of Maine, N. A.||July 6, 2013|
|$28530.00||8||8.2%||$406.23||Merchants National Bank of Bangor||February 22, 2015|
Personal Loan for an anesthesiologist named Niki in Waterville, Maine to Pay Off Men’s Wearhouse Perfect Fit Credit Card
Niki had a tonne of credit card debt on their Meijer Platinum MasterCard Exclusive Benefits and their Justice FCU Blue Knights International VISA Rewards Card, and they were starting to get in over their heads. Despite Niki’s job as an anesthesiologist, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Conclusion of Niki’s unsecured loan
In the end, Niki was able to find an unsecured loan for $100000 with an interest rate of 9.0% interest APR from Waterville Savings and Loan Association in Waterville, Maine repayable over 16 years from now.