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13 Year, Variable Interest Consolidation Loan For Cyndi In Arizona

$2000 Consolidation Loan – Phoenix Arizona, Credit Score Of 312

  • Experian: 324 – This individual had a terrible Experian rating
  • Transunion: 297 – Cyndi had a terrible credit rating with Transunion.
  • Equifax: Cyndi’s Experian score was 312, which is a terrible credit score with the Experian scale.

Cyndi’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their community welfare worker job and their future job as an electrical drafter

Fico Score: 312

When Cyndi was 24, they tried to obtain a student loan from 7 alternate lenders, which harmed their credit score. Below is a chronology of Cyndi’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on June 16, 2010
  • Attempt 2) Loan for $31,000.00 on February 20, 2012
  • Attempt 3) Loan for $28,000.00 on May 7, 2009
  • Attempt 4) Loan for $25,000.00 on October 12, 2010
  • Attempt 5) Loan for $26,000.00 on May 16, 2011
  • Attempt 6) Loan for $37,000.00 on April 28, 2010
  • Attempt 7) Loan for $25,000.00 on December 1, 2009

9 Months in the Past, Cyndi Tried Finding a High Risk Loan for $36,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for clients to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Cyndi. Cyndi chose not to get a high risk loan this time. High Risk loans are given to very low credit borrowers. Clients with credit ratings as low as 353 can apply for a high risk loan and have a chance to be approved.

Fast Loans for Cyndi in Phoenix, Arizona to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Phoenix, Arizona aren’t actually that difficult to obtain, particularly if you have some gumption like Cyndi. Cyndi was able to find a fast loan for $2000 from The State Bank and Bank One, Arizona, National Association, but turned down both offers in favor of their consolidation loan from Union Savings and Loan Association. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. Much better in the case that you are in a time sensitive situation.

Cyndi has a sad current total income, but has a high number of prospects

Cyndi has always wanted to be an electrical drafter, but would need attend Alabama Aviation College again to become one. Cyndi has other prospects as well, including religious institution education coordinator, controller, and recreational protective service worker, which pay $52,000 through to $95,000 per year, at least. For this reason, we believe that Cyndi can afford this consolidation loan of $2000.

Personal Loan for a community welfare worker named Cyndi in Phoenix, Arizona to Pay Off Arvest Elite Purchasing Visa Card

Cyndi had a lot of credit card debt on their Mio Prepaid Credit Card and their Volvo Credit Cards Von Maur Interest-Free Charge Card, and they were starting to get in over their heads. Despite Cyndi’s job as a community welfare worker, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for Union Savings and Loan Association, the provider of this consolidation loan

  • Union Savings and Loan Association
  • City: Phoenix
  • State: Arizona
  • Address: 1846 East Camelback Road
  • County: Maricopa
  • Zip code: 85016

Installment loan for Cyndi, a graduate of Alabama Aviation College and a community welfare worker working for over $71,000 per year

Cyndi, an alumnus at Alabama Aviation College and a community welfare worker in Phoenix, Arizona needs a consolidation loan to purchase a car. Cyndi has instead decided to obtain an installment loan for $3,000 and is at present seeking lenders like Southern Arizona Bank and Trust Company to process their request.

Before applying for this consolidation loan, Cyndi had an Experian score of 324, which is terrible, so Union Savings and Loan Association probably cannot provide Cyndi a consolidation loan

Experian Score: 324

Cyndi’s Transunion score was changed by the consolidation loan loan, changing to 297 from 312, which is normal in our experience.

Transunion Score: 297

Several previous requests for credit have been made by Cyndi in the past, including one from West Carroll National Bank of Oak Grove in Phoenix, Arizona before Cyndi was accepted for the $2000 by Union Savings and Loan Association

Cyndi made 8 previous tries to obtain a consolidation loan, 2 of which were with West Carroll National Bank of Oak Grove, a lending institution in Phoenix, Arizona known to specialize in consolidation loans specifically. Before finding Union Savings and Loan Association, Cyndi was concerned due to their inexperience and terrible credit rating.

Client Profile: Cyndi Courts of Phoenix, Arizona
  • Full name (Changed if requested): Cyndi Courts
  • Current Credit: loans.hit.utils.Fico@326de728
  • Current City: Phoenix
  • State: Arizona
  • Zip code: 85021
  • Yearly income: $53,000
  • Current Job: community welfare worker
  • Current County: Maricopa
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Paraphrased and Standardized Quote from Cyndi for this consolidation loan of $2000, provided by Union Savings and Loan Association

Hi, I am Cyndi and I’m from Phoenix in Arizona. Maricopa, county is where I grew up, and now I need a consolidation loan in Arizona for $2000 to buy a big ticket item. It has been difficult, but Union Savings and Loan Association really came through for me with this loan for 9.8% interest APR and a term of 13 years. I can repay the loan over the 13 year term, including interest. A big thanks to Union Savings and Loan Association for trusting me and my terrible credit. It look me 9 years to build my credit to 312, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Cyndi was not approved by Southern Arizona Bank and Trust Company 6 times before being accepted by Union Savings and Loan Association at 1846 East Camelback Road

On November 4, 2009, Cyndi inquired about borrowing $44,000 from Territorial Bank with Jenna, their in law from just outside Phoenix, and even with the co-signer, Cyndi was rejected for this consolidation loan. With terrible credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Signature Loan found in Phoenix, Arizona for $2000 with terrible credit by Cyndi

Many clients struggle with obtaining signature loans in Phoenix, Arizona, and Cyndi is not an exception. Cyndi went to 8 lending institutions or more prior to settling on Union Savings and Loan Association, who offered Cyndi a signature loan for $2000. Typical signature loans simply require a client, like Cyndi’s signature to get them, up to $22,000 in some cases. Cyndi was able to get $2000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not need a cosigner, they generally require higher credit, as high as 740

Previous requests on Cyndi’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$128480.00 5 9.4% $2692.04 Wells Fargo Bank of Arizona, National Association September 20, 2010
$128150.00 7 5.8% $1859.82 Citibank (Arizona) October 7, 2013
$128270.00 3 8.8% $4067.02 Southern Arizona Bank and Trust Company February 27, 2014
$128350.00 11 8.7% $1513.98 Bank One, Arizona, National Association March 2, 2014

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $29,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Cyndi required a debt consolidation loan to pay for their existing consolidation loan and their credit card. Cyndi was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.3%.

Conclusion of Cyndi’s consolidation loan

In the end, Cyndi was able to find a consolidation loan for $2000 with an interest rate of 5.6% interest APR from Union Savings and Loan Association in Phoenix, Arizona repayable over 13 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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