$30000 Unsecured Loan – Westminster Colorado, Credit Rating Of 498
- Experian: 513 – The client had a bad Experian rating
- Transunion: 482 – Darnell had a bad credit score with Transunion.
- Equifax: Darnell’s Experian score was 498, which is a bad credit score with the Experian rating scheme.
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans vary from $36,000.00 to $52,000.00. They are mainly used to pay off existing high interest loans like credit cards. Darnell needed a debt consolidation loan to pay for their existing unsecured loan and their credit card. Darnell was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your bad, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 4.4%.
Many past requests for credit have been made by Darnell in the past, including one from Superior Bank in Westminster, Colorado before Darnell was approved for the $30000 by United Bank of Westminster, National Association
Darnell made 6 previous tries to obtain an unsecured loan, 2 of which were with Superior Bank, a bank in Westminster, Colorado known to specialize in unsecured loans specifically. Prior to finding United Bank of Westminster, National Association, Darnell was very concerned due to their inexperience and bad credit score.
Darnell’s Transunion score was changed by the unsecured loan loan, changing to 482 from 498, which is typical in our experience.
Paraphrased and Standardized Quote from Darnell for this unsecured loan of $30000, provided by United Bank of Westminster, National Association
Hi, I am Darnell and I am from Westminster in Colorado. Adams, county is where I grew up, and now I need a unsecured loan in Colorado for $30000 to buy a car. It has been difficult, but United Bank of Westminster, National Association really came through for me with this loan for 9.4% interest APR and a term of 21 years. I can repay the loan over the 21 year term, including interest. A big thanks to United Bank of Westminster, National Association for giving me a chance and my bad credit. It look me 6 years to build my credit to 498, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.
Contact Details for United Bank of Westminster, National Association, the provider of this unsecured loan
- United Bank of Westminster, National Association
- City: Westminster
- State: Colorado
- Address: 12000 Pecos Street
- County: Adams
- Zip code: 80234
Personal Loan for a commercial designer named Darnell in Westminster, Colorado to Pay Off Staples Commercial Billing Account
Darnell had a tonne of credit card debt on their American Savings Bank Platinum Edition Visa Card and their State Farm Platinum Rewards Visa, and they were starting to get in over their heads. Despite Darnell’s job as a commercial designer, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Before applying for this unsecured loan, Darnell had an Experian score of 513, which is bad, so United Bank of Westminster, National Association likely cannot provide Darnell an unsecured loan
When Darnell was 20, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit score. Below is a chronology of Darnell’s previous attempts at finding a student loan:
- Attempt 1) Loan for $37,000.00 on March 11, 2010
- Attempt 2) Loan for $31,000.00 on March 7, 2012
- Attempt 3) Loan for $29,000.00 on June 15, 2012
- Attempt 4) Loan for $36,000.00 on January 11, 2011
- Attempt 5) Loan for $32,000.00 on September 23, 2011
Previous requests on Darnell’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$68770.00||11||7.7%||$773.98||Affiliated National Bank – Delta||August 25, 2011|
|$68730.00||8||6.7%||$926.82||Central Bank, National Association||April 2, 2014|
|$68760.00||8||6.8%||$930.63||The Colorado Bank and Trust Company of La Junta||January 8, 2015|
|$69460.00||9||7.5%||$886.38||Colorado State Bank and Trust, N. A.||June 19, 2015|
- Full name (Changed if requested): Darnell Guinther
- Current Credit: loans.hit.utils.Fico@deb6432
- Current City: Westminster
- State: Colorado
- Zip code: 80241
- Yearly income: $47,000
- Current Job: commercial designer
- Current County: Adams
- Goal Yearly Income: $100,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Darnell has a very low current gross income, but has a large amount of prospects
Darnell has always wanted to be a dry wall installer, but would need attend Piedmont Virginia Community College again to achieve it. Darnell has other possibilities as well, including city planning aide, medical technologist, and real estate lawyer, which pay $51,000 through to $100,000 per year, at least. For this reason, we think that Darnell can afford this unsecured loan of $30000.
Installment loan for Darnell, a graduate of Piedmont Virginia Community College and a commercial designer working for over $63,000 per year
Darnell, an alumnus at Piedmont Virginia Community College and a commercial designer in Westminster, Colorado needs an unsecured loan to purchase a new cell phone. Darnell has instead decided to get an installment loan for $14,000 and is at present seeking lenders like Colorado State Bank and Trust, N. A. to provide it.
Darnell was rejected by Farmers State Bank of Calhan 7 times prior to being granted funding by United Bank of Westminster, National Association at 12000 Pecos Street
On January 5, 2010, Darnell inquired about borrowing $40,000 from Colorado National Bank with Zaida, their in law from just outside Westminster, and even with the co-signer, Darnell was rejected for this unsecured loan. With bad credit, it can be challenging to obtain financing, even with collateral and a co-signer.
Fast Loans for Darnell in Westminster, Colorado to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Westminster, Colorado aren’t actually that difficult to obtain, particularly if you have some finesse like Darnell. Darnell was able to find a fast loan for $30000 from Western Community Bank and The Citizens National Bank of Akron, but turned down both offers in favor of their unsecured loan from United Bank of Westminster, National Association. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference in the case that a borrower is on the go.
Signature Loan found in Westminster, Colorado for $30000 with bad credit by Darnell
A lot of borrowers have difficulty with obtaining signature loans in Westminster, Colorado, and Darnell is the same. Darnell went to 8 lending institutions or more prior to settling on United Bank of Westminster, National Association, who offered Darnell a signature loan for $30000. Typical signature loans simply require a client, like Darnell’s signature to get them, up to $40,000 in some cases. Darnell was able to get $30000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans don’t need a cosigner, these loans generally need higher credit, as high as 761
Darnell’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their commercial designer job and their future career as a dry wall installer
7 Months Ago, Darnell Attempted Finding a High Risk Loan for $39,000.00, and it was Hard
It is an existing struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Darnell. Darnell decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Borrowers with credit ratings as low as 461 can apply for a high risk loan and have a chance to be accepted.
Conclusion of Darnell’s unsecured loan
In the end, Darnell was able to find an unsecured loan for $30000 with an interest rate of 6.4% interest APR from United Bank of Westminster, National Association in Westminster, Colorado repayable over 21 years from today.