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14 Month, Fixed Interest Unsecured Loan For Ofelia In Montana

$90000 Unsecured Loan – Twin Bridges Montana, Credit Rating Of 813

  • Experian: 832 – This client had an excellent Experian rating
  • Transunion: 801 – Ofelia had an excellent credit rating with Transunion.
  • Equifax: Ofelia’s Experian score was 813, which is an excellent credit rating using the Experian scale.

Previous requests on Ofelia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$135670.00 3 10.8% $4428.82 Western Bank of Wolf Point April 21, 2012
$136210.00 10 11.4% $1907.27 Farmers State Bank December 4, 2012
$135710.00 8 10.1% $2066.47 Bank of Montana Shelby July 10, 2014
$136420.00 11 6.3% $1435.23 Security State Bank, Harlem, Montana August 5, 2014

Signature Loan found in Twin Bridges, Montana for $90000 with excellent credit by Ofelia

Many clients struggle with obtaining signature loans in Twin Bridges, Montana, and Ofelia is no different. Ofelia went to 7 lenders or more prior to settling on Ruby Valley National Bank, who offered Ofelia a signature loan for $90000. Typical signature loans simply require a client, like Ofelia’s signature to obtain them, up to $49,000 in some cases. Ofelia was able to get $90000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans don’t need collateral, they tend to require improved credit, as high as 707

Fast Loans for Ofelia in Twin Bridges, Montana to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Twin Bridges, Montana aren’t actually that difficult to obtain, particularly if you have some finesse like Ofelia. Ofelia was able to find a fast loan for $90000 from FirstBank-Butte, National Association and The Bank of Baker, but declined both offers in favor of their unsecured loan from Ruby Valley National Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. Much better if a client is in a pinch.

Ofelia’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their nuclear engineer job and their future career as a library consultant

Fico Score: 813

Client Profile: Ofelia Etkin of Twin Bridges, Montana
  • Full name (Changed if requested): Ofelia Etkin
  • Current Credit: loans.hit.utils.Fico@4dcbadb4
  • Current City: Twin Bridges
  • State: Montana
  • Zip code: 59758
  • Yearly income: $67,000
  • Current Job: nuclear engineer
  • Current County: Madison
  • Goal Yearly Income: $138,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Contact Details for Ruby Valley National Bank, the provider of this unsecured loan

  • Ruby Valley National Bank
  • City: Twin Bridges
  • State: Montana
  • Address: 107 South Main Street
  • County: Madison
  • Zip code: 59754

When Ofelia was 23, they tried to obtain a student loan from 6 different lenders, which damaged their credit score. Below is a chronology of Ofelia’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on December 1, 2008
  • Attempt 2) Loan for $39,000.00 on July 25, 2011
  • Attempt 3) Loan for $38,000.00 on August 28, 2010
  • Attempt 4) Loan for $36,000.00 on May 3, 2014
  • Attempt 5) Loan for $21,000.00 on June 22, 2009
  • Attempt 6) Loan for $30,000.00 on February 11, 2013

Personal Loan for a nuclear engineer named Ofelia in Twin Bridges, Montana to Pay Off Shell Select Member Credit Card

Ofelia had a lot of credit card debt on their QuikTrip Credit Cards and their Glens Falls National Bank & Trust Maximum Rewards Visa Card, and they were starting to get in over their heads. Despite Ofelia’s job as a nuclear engineer, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $22,000.00 to $56,000.00. They are typically used to pay off existing high interest loans like credit cards. Ofelia needed a debt consolidation loan to pay for their existing unsecured loan and their loan shark loan. Ofelia was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.6%.

Ofelia’s Transunion score was altered by the unsecured loan loan, changing to 801 from 813, which is normal in our experience.

Transunion Score: 801

Before applying for this unsecured loan, Ofelia had an Experian score of 832, which is excellent, so Ruby Valley National Bank probably cannot provide Ofelia an unsecured loan

Experian Score: 832

7 Months in the Past, Ofelia Attempted to Find a High Risk Loan for $46,000.00, and it was Hard

There is an existing struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Ofelia. Ofelia decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Borrowers with credit scores as low as 407 can apply for a high risk loan and may be be approved.

Multiple other requests for credit have been made by Ofelia in the past, including one from The First National Bank in Frackville in Twin Bridges, Montana before Ofelia was approved for the $90000 by Ruby Valley National Bank

Ofelia made 8 previous tries to obtain an unsecured loan, 2 of which were with The First National Bank in Frackville, a bank in Twin Bridges, Montana known to specialize in unsecured loans specifically. Before finding Ruby Valley National Bank, Ofelia was very concerned due to their inexperience and excellent credit score.

Paraphrased and Standardized Quote from Ofelia for this unsecured loan of $90000, provided by Ruby Valley National Bank

Hello, I am Ofelia and I’m from Twin Bridges in Montana. Madison, county is where I grew up, and now I need a unsecured loan in Montana for $90000 to buy a big ticket item. It wasn’t easy, but Ruby Valley National Bank really came through for me with this loan for 7.8% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Ruby Valley National Bank for giving me a chance and my excellent credit. It look me 6 years to build my credit to 813, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Ofelia was rejected by State Bank & Trust Co. 5 times before being accepted by Ruby Valley National Bank at 107 South Main Street

On February 17, 2009, Ofelia inquired about borrowing $30,000 from Western Bank of Wolf Point with Leandro, their friend from just outside Twin Bridges, and even with the co-signer, Ofelia was rejected for this unsecured loan. With excellent credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Ofelia has a disappointing current gross income, but has a large amount of prospects

Ofelia has always wanted to be a library consultant, but would need attend University of St. Francis again to become one. Ofelia has other prospects as well, including computer security specialist, registrar administrator, and marine surveyor, which pay $56,000 through to $92,000 per year, on average. For this reason, we believe that Ofelia can afford this unsecured loan of $90000.

Installment loan for Ofelia, a graduate of University of St. Francis and a nuclear engineer working for over $74,000 per year

Ofelia, an alumnus at University of St. Francis and a nuclear engineer in Twin Bridges, Montana needs an unsecured loan to purchase something frivolous. Ofelia has instead chosen to obtain an installment loan for $4,000 and is currently seeking lenders like Stockman Bank, National Association to provide it.

Conclusion of Ofelia’s unsecured loan

In the end, Ofelia was able to find an unsecured loan for $90000 with an interest rate of 7.2% interest APR from Ruby Valley National Bank in Twin Bridges, Montana repayable over 14 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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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.