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$96000 Secured Loan With Bad Credit In Aurora Colorado

$96000 Secured Loan – Aurora Colorado, Credit Rating Of 405

  • Experian: 419 – They had a bad Experian score
  • Transunion: 391 – Anya had a bad credit rating with Transunion.
  • Equifax: Anya’s Experian score was 405, which is a bad credit rating with the Experian rating scheme.

Contact Details for Household Aurora Industrial Bank, the provider of this secured loan

  • Household Aurora Industrial Bank
  • City: Aurora
  • State: Colorado
  • Address: 15335 East Colfax Avenue
  • County: Adams
  • Zip code: 80011

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

There is an ongoing struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Anya. Anya decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Borrowers with credit scores as low as 366 can inquire for a high risk loan and may be be accepted.

Paraphrased and Standardized Quote from Anya for this secured loan of $96000, provided by Household Aurora Industrial Bank

Hi, I am Anya and I am from Aurora in Colorado. Adams, county is where I grew up, and now I need a secured loan in Colorado for $96000 to buy a big ticket item. It wasn’t easy, but Household Aurora Industrial Bank really came through for me with this loan for 5.6% interest APR and a term of 6 years. I can repay the loan over the 6 year term, including interest. A big thanks to Household Aurora Industrial Bank for giving me a chance and my bad credit. It look me 4 years to create my credit to 405, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Previous requests on Anya’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$32750.00 7 11.6% $571.14 Affiliated National Bank – Delta August 20, 2011
$33310.00 9 5.2% $386.86 Central Bank, National Association January 4, 2013
$32530.00 3 9.6% $1043.55 The Colorado Bank and Trust Company of La Junta August 22, 2014
$32720.00 6 11.7% $634.59 Colorado State Bank and Trust, N. A. December 9, 2014
$33270.00 11 6.6% $355.18 Mountain Parks Bank – West April 27, 2015

Before applying for this secured loan, Anya had an Experian score of 419, which is bad, so Household Aurora Industrial Bank probably cannot provide Anya a secured loan

Experian Score: 419

Installment loan for Anya, a graduate of VITAS: Innovative Hospice Care and a petroleum refinery operator working for over $78,000 per year

Anya, an alumnus at VITAS: Innovative Hospice Care and a petroleum refinery operator in Aurora, Colorado needs a secured loan to purchase a new cell phone. Anya has instead chosen to obtain an installment loan for $22,000 and is currently seeking lenders like Central Bank, National Association to process their request.

Anya was declined by Colorado State Bank and Trust, N. A. 6 times prior to being approved by Household Aurora Industrial Bank at 15335 East Colfax Avenue

On July 16, 2009, Anya applied about borrowing $14,000 from Norwest Bank Boulder, National Association with Crystal, their in law from just outside Aurora, and even with the co-signer, Anya was rejected for this secured loan. With bad credit, it can be very hard to procure financing, even with collateral and a co-signer.

Anya’s Overall FICO score at the time of acceptance for a secured loan, taking into account their petroleum refinery operator job and their future job as a radiation protection engineer

Fico Score: 405

Anya has a very low current yearly income, but has several of prospects

Anya has always wanted to be a radiation protection engineer, but would have to attend VITAS: Innovative Hospice Care again to become one. Anya has other prospects as well, including film laboratory technician, water pollution control inspector, and solid waste disposal administrator, which pay $56,000 through to $101,000 per year, at least. Because of this, we believe that Anya can pay for this secured loan of $96000.

Personal Loan for a petroleum refinery operator named Anya in Aurora, Colorado to Pay Off RBC Cash Back MasterCard

Anya had a tonne of credit card debt on their Lane Bryant Credit Card and their City National Bank Crystal Visa Infinite Card, and they were starting to get in over their heads. Despite Anya’s job as a petroleum refinery operator, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Anya’s Transunion score was changed by the secured loan loan, changing to 391 from 405, which is typical in our experience.

Transunion Score: 391

Fast Loans for Anya in Aurora, Colorado to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Aurora, Colorado aren’t actually that difficult to obtain, especially if you have some finesse like Anya. Anya was able to find a fast loan for $96000 from The Minnequa Bank of Pueblo and The Colorado Bank and Trust Company of La Junta, but declined both offers in favor of their secured loan from Household Aurora Industrial 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 5 weeks for debt consolidation loans. A big improvement if you are in a pinch.

Multiple other requests for credit have been made by Anya in the past, including one from The First National Bank and Trust Company of Paulsboro in Aurora, Colorado before Anya was approved for the $96000 by Household Aurora Industrial Bank

Anya made 4 previous tries to obtain a secured loan, 2 of which were with The First National Bank and Trust Company of Paulsboro, a bank in Aurora, Colorado known to specialize in secured loans specifically. Before finding Household Aurora Industrial Bank, Anya was concerned due to their inexperience and bad credit rating.

When Anya was 22, they tried to obtain a student loan from 4 different lenders, which damaged their credit score. Below is a list of Anya’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on May 26, 2013
  • Attempt 2) Loan for $38,000.00 on November 9, 2008
  • Attempt 3) Loan for $28,000.00 on September 16, 2012
  • Attempt 4) Loan for $25,000.00 on June 10, 2010

Signature Loan found in Aurora, Colorado for $96000 with bad credit by Anya

Most clients struggle with finding signature loans in Aurora, Colorado, and Anya is no exception. Anya went to 5 lending institutions or more prior to finding Household Aurora Industrial Bank, who offered Anya a signature loan for $96000. Most signature loans simply require a client, like Anya’s signature to obtain them, up to $43,000 in some cases. Anya was able to get $96000 as a secured loan, which is very high for a secured loan. Because signature loans don’t require a cosigner, these loans generally need higher credit, as high as 748

Client Profile: Anya Alexakis of Aurora, Colorado
  • Full name (Changed if requested): Anya Alexakis
  • Current Credit: loans.hit.utils.Fico@1a6c5a9e
  • Current City: Aurora
  • State: Colorado
  • Zip code: 80018
  • Yearly income: $63,000
  • Current Job: petroleum refinery operator
  • Current County: Adams
  • Goal Yearly Income: $91,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $37,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Anya needed a debt consolidation loan to pay for their existing secured loan and their loan shark loan. Anya was able to find a secured loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.6%.

Conclusion of Anya’s secured loan

In the end, Anya was able to find a secured loan for $96000 with an interest rate of 6.0% interest APR from Household Aurora Industrial Bank in Aurora, Colorado repayable over 6 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.