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Janina Beek’s Personal Loan For 140000 Dollars In Lafayette Louisiana

$140000 Personal Loan – Lafayette Louisiana, Credit Score Of 632

  • Experian: 643 – The client had a good Experian rating
  • Transunion: 618 – Janina had a good credit rating with Transunion.
  • Equifax: Janina’s Experian score was 632, which is a good credit rating on the Experian system.

Installment loan for Janina, a graduate of Brenau University and a restaurant food coordinator working for over $63,000 per year

Janina, an alumnus at Brenau University and a restaurant food coordinator in Lafayette, Louisiana wants a personal loan to purchase something frivolous. Janina has instead chosen to obtain an installment loan for $26,000 and is currently seeking lenders like The First National Bank of Lake Charles to process their request.

Paraphrased and Standardized Quote from Janina for this personal loan of $140000, provided by Evangeline Federal Savings and Loan Association

Hi, I am Janina and my hometown is Lafayette in Louisiana. Lafayette, county is where I grew up, and now I need a personal loan in Louisiana for $140000 to buy a car. It has been difficult, but Evangeline Federal Savings and Loan Association really came through for me with this loan for 10.0% interest APR and a term of 17 years. I can repay the loan over the 17 year term, including interest. A big thanks to Evangeline Federal Savings and Loan Association for giving me a chance and my good credit. It look me 9 years to build my credit to 632, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Janina was rejected by The First National Bank of Jeanerette 6 times prior to being approved by Evangeline Federal Savings and Loan Association at 3838 West Congress

On January 13, 2009, Janina applied about borrowing $46,000 from First National Bank of Houma with Carol, their in law from just outside Lafayette, and even with the co-signer, Janina was rejected for this personal loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Before applying for this personal loan, Janina had an Experian score of 643, which is good, so Evangeline Federal Savings and Loan Association probably cannot provide Janina a personal loan

Experian Score: 643

Personal Loan for a restaurant food coordinator named Janina in Lafayette, Louisiana to Pay Off Evans Bank Secured Visa Card

Janina had a tonne of credit card debt on their Thomasville Credit Card and their AARP Rewards Visa Card, and they were starting to get in over their heads. Despite Janina’s job as a restaurant food coordinator, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Janina in Lafayette, Louisiana to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Lafayette, Louisiana aren’t actually that difficult to obtain, especially if you have some gumption like Janina. Janina was able to find a fast loan for $140000 from The First National Bank of Jeanerette and Bank of Grand Cane, but turned down both offers in favor of their personal loan from Evangeline Federal Savings and Loan Association. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. Much better if you are in a time sensitive situation.

Janina has a low current yearly income, but has several of prospects

Janina has always wanted to be a communication equipment mechanic, but would have to attend Brenau University again to become one. Janina has other possibilities as well, including mathematical technician, marine engineer, and elevator mechanic, which pay $53,000 through to $106,000 per year, on average. For this reason, we think that Janina can afford this personal loan of $140000.

Janina’s Transunion score was changed by the personal loan loan, changing to 618 from 632, which is typical in our experience.

Transunion Score: 618

When Janina was 21, they tried to obtain a student loan from 6 different lenders, which damaged their credit rating. Below is a list of Janina’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on January 17, 2009
  • Attempt 2) Loan for $35,000.00 on March 13, 2009
  • Attempt 3) Loan for $35,000.00 on September 29, 2011
  • Attempt 4) Loan for $26,000.00 on March 19, 2012
  • Attempt 5) Loan for $34,000.00 on September 5, 2011
  • Attempt 6) Loan for $22,000.00 on December 20, 2012

8 Months Ago, Janina Attempted to Find a High Risk Loan for $39,000.00, and it was Easy

It is an well known struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Janina. Janina chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit clients. Individuals with credit ratings as low as 519 can inquire for a high risk loan and have a chance to be approved.

Previous requests on Janina’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$58870.00 3 9.4% $1883.03 Bank of Zachary April 30, 2011
$59450.00 3 5.1% $1784.44 Landmark Bank March 9, 2014
$59290.00 3 5.4% $1787.64 Bank of Gonzales January 1, 2015
$58700.00 9 5.8% $698.95 The Highlands Bank June 4, 2015

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

Normal debt consolidation loans range from $20,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Janina needed a debt consolidation loan to pay for their existing personal loan and their payday loan. Janina was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.1%.

Client Profile: Janina Beek of Lafayette, Louisiana
  • Full name (Changed if requested): Janina Beek
  • Current Credit: loans.hit.utils.Fico@4d76f3f8
  • Current City: Lafayette
  • State: Louisiana
  • Zip code: 70514
  • Yearly income: $30,000
  • Current Job: restaurant food coordinator
  • Current County: Lafayette
  • Goal Yearly Income: $117,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Janina’s Overall FICO score at the time of acceptance for a personal loan, taking into account their restaurant food coordinator job and their future job as a communication equipment mechanic

Fico Score: 632

Multiple other requests for credit have been made by Janina in the past, including one from Indiana Lawrence Bank in Lafayette, Louisiana before Janina was accepted for the $140000 by Evangeline Federal Savings and Loan Association

Janina made 8 previous tries to obtain a personal loan, 2 of which were with Indiana Lawrence Bank, a bank in Lafayette, Louisiana known to specialize in personal loans specifically. Prior to finding Evangeline Federal Savings and Loan Association, Janina was concerned due to their inexperience and good credit score.

Contact Details for Evangeline Federal Savings and Loan Association, the provider of this personal loan

  • Evangeline Federal Savings and Loan Association
  • City: Lafayette
  • State: Louisiana
  • Address: 3838 West Congress
  • County: Lafayette
  • Zip code: 70506

Signature Loan acquired in Lafayette, Louisiana for $140000 with good credit by Janina

Many borrowers struggle with obtaining signature loans in Lafayette, Louisiana, and Janina is not an exception. Janina went to 4 lenders or more before finding Evangeline Federal Savings and Loan Association, who offered Janina a signature loan for $140000. Typical signature loans simply need a client, like Janina’s signature to obtain them, up to $43,000 in some cases. Janina was able to get $140000 as a personal loan, which is very high for a personal loan. Because signature loans don’t need a cosigner, they generally require higher credit, as high as 755

Conclusion of Janina’s personal loan

In the end, Janina was able to find a personal loan for $140000 with an interest rate of 9.3% interest APR from Evangeline Federal Savings and Loan Association in Lafayette, Louisiana repayable over 17 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.