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$12000 No Collateral Loan With Excellent Credit In Manchester New Hampshire

$12000 No Collateral Loan – Manchester New Hampshire, Credit Rating Of 840

  • Experian: 856 – This client had an excellent Experian score
  • Transunion: 825 – Terresa had an excellent credit rating with Transunion.
  • Equifax: Terresa’s Experian score was 840, which is an excellent credit score with the Experian rating scheme.
Client Profile: Terresa Degracia of Manchester, New Hampshire
  • Full name (Changed if requested): Terresa Degracia
  • Current Credit: loans.hit.utils.Fico@439f5b3d
  • Current City: Manchester
  • State: New Hampshire
  • Zip code: 3109
  • Yearly income: $35,000
  • Current Job: cook
  • Current County: Hillsborough
  • Goal Yearly Income: $110,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Terresa’s Transunion score was changed by the no collateral loan loan, changing to 825 from 840, which is typical in our experience.

Transunion Score: 825

Fast Loans for Terresa in Manchester, New Hampshire to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Manchester, New Hampshire aren’t actually that difficult to obtain, especially if you have some finesse like Terresa. Terresa was able to find a fast loan for $12000 from Citizens Bank New Hampshire and Indian Head National Bank of Keene, but declined both offers in favor of their no collateral loan from Dartmouth Bank. 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 5 weeks for debt consolidation loans. Much better if you are on the go.

Paraphrased and Standardized Quote from Terresa for this no collateral loan of $12000, provided by Dartmouth Bank

Hi, I am Terresa and I am from Manchester in New Hampshire. Hillsborough, county is where I grew up, and now I need a no collateral loan in New Hampshire for $12000 to buy a big ticket item. It has been difficult, but Dartmouth Bank really came through for me with this loan for 7.7% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to Dartmouth Bank for trusting me and my excellent credit. It look me 8 years to build my credit to 840, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.

Signature Loan easily acquired in Manchester, New Hampshire for $12000 with excellent credit by Terresa

Many clients have difficulty with obtaining signature loans in Manchester, New Hampshire, and Terresa is no exception. Terresa went to 4 lending institutions or more before finding Dartmouth Bank, who offered Terresa a signature loan for $12000. Most signature loans simply require a client, like Terresa’s signature to get them, up to $44,000 in some cases. Terresa was able to get $12000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans do not need a cosigner, they generally require improved credit, as high as 747

Terresa has a sad current yearly income, but has a high number of prospects

Terresa has always wanted to be a travel agent, but would need attend Johnson County Community College again to achieve it. Terresa has other prospects as well, including airline flight reservations administrator, high school administrator, and mine cutting machine operator, which pay $55,000 through to $93,000 per year, at least. Because of this, we believe that Terresa can pay for this no collateral loan of $12000.

When Terresa was 19, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a list of Terresa’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on August 23, 2011
  • Attempt 2) Loan for $31,000.00 on December 7, 2008
  • Attempt 3) Loan for $30,000.00 on September 13, 2010
  • Attempt 4) Loan for $31,000.00 on May 30, 2010
  • Attempt 5) Loan for $23,000.00 on July 10, 2009

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $37,000.00 to $51,000.00. They are typically used to pay off existing high interest loans like credit cards. Terresa required a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Terresa was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your bad, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.6%.

Before applying for this no collateral loan, Terresa had an Experian score of 856, which is excellent, so Dartmouth Bank likely can provide Terresa a no collateral loan

Experian Score: 856

Terresa’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their cook job and their future career as a travel agent

Fico Score: 840

8 Months Ago, Terresa Attempted to Find a High Risk Loan for $33,000.00, and it was Hard

There is an ongoing struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Terresa. Terresa chose not to get a high risk loan this time. High Risk loans are given to terrible credit individuals. Borrowers with credit scores as low as 365 can inquire for a high risk loan and may be be approved.

Contact Details for Dartmouth Bank, the provider of this no collateral loan

  • Dartmouth Bank
  • City: Manchester
  • State: New Hampshire
  • Address: 156 Hanover Street
  • County: Hillsborough
  • Zip code: 3105

Installment loan for Terresa, a graduate of Johnson County Community College and a cook working for over $66,000 per year

Terresa, an alumnus at Johnson County Community College and a cook in Manchester, New Hampshire needs a no collateral loan to purchase a new cell phone. Terresa has instead decided to obtain an installment loan for $21,000 and is currently seeking lenders like Indian Head National Bank of Nashua to process their request.

Several past requests for credit have been made by Terresa in the past, including one from Legacy National Bank in Manchester, New Hampshire before Terresa was accepted for the $12000 by Dartmouth Bank

Terresa made 5 previous tries to obtain a no collateral loan, 2 of which were with Legacy National Bank, a lending institution in Manchester, New Hampshire known to specialize in no collateral loans specifically. Prior to finding Dartmouth Bank, Terresa was concerned due to their inexperience and excellent credit score.

Terresa was declined by Lafayette National Bank 4 times prior to being accepted by Dartmouth Bank at 156 Hanover Street

On August 3, 2013, Terresa applied about borrowing $26,000 from Citizens Bank New Hampshire with Ara, their friend from just outside Manchester, and even with the co-signer, Terresa was rejected for this no collateral loan. With excellent credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Previous requests on Terresa’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$103650.00 6 8.8% $1858.08 Indian Head Bank North March 14, 2009
$104390.00 10 8.5% $1294.29 First & Ocean National Bank September 11, 2010
$103680.00 9 5.6% $1224.35 Ocean Bank September 12, 2013
$104490.00 5 9.8% $2209.84 The Bristol Bank December 19, 2013

Personal Loan for a cook named Terresa in Manchester, New Hampshire to Pay Off CFCU Classic Visa

Terresa had a tonne of credit card debt on their Conestoga Bank Visa Business Card and their AeroMexico Visa Signature Card, and they were starting to get in over their heads. Despite Terresa’s job as a cook, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Conclusion of Terresa’s no collateral loan

In the end, Terresa was able to find a no collateral loan for $12000 with an interest rate of 9.3% interest APR from Dartmouth Bank in Manchester, New Hampshire repayable over 3 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.