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$30000 No Collateral Loan In Phoenix Arizona With Credit Score 388 For Fredricka

$30000 No Collateral Loan – Phoenix Arizona, Credit Rating Of 388

  • Experian: 403 – This client had a terrible Experian rating
  • Transunion: 374 – Fredricka had a terrible credit score with Transunion.
  • Equifax: Fredricka’s Experian score was 388, which is a terrible credit score with the Experian rating scheme.

Installment loan for Fredricka, a graduate of Paul Mitchell the School Austin and a marine and aquatic biologist working for over $69,000 per year

Fredricka, an alumnus at Paul Mitchell the School Austin and a marine and aquatic biologist in Phoenix, Arizona needs a no collateral loan to purchase a house. Fredricka has instead decided to obtain an installment loan for $11,000 and is at present seeking lenders like Thunderbird Bank to process their request.

Fredricka has a low current yearly income, but has a high number of prospects

Fredricka has always wanted to be a corporation lawyer, but would have to attend Paul Mitchell the School Austin again to achieve it. Fredricka has other possibilities as well, including stress analyst engineer, labor relations advisor, and nuclear equipment operation technician, which pay $50,000 through to $99,000 per year, at least. Because of this, we think that Fredricka can afford this no collateral loan of $30000.

Fast Loans for Fredricka in Phoenix, Arizona to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Phoenix, Arizona aren’t actually that difficult to obtain, particularly if you have some gumption like Fredricka. Fredricka was able to find a fast loan for $30000 from The Bank of Prescott and The State Bank, but turned down both offers in favor of their no collateral loan from Bank of the Southwest. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement if a borrower is in a time sensitive situation.

Fredricka’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their marine and aquatic biologist job and their future job as a corporation lawyer

Fico Score: 388

Paraphrased and Standardized Quote from Fredricka for this no collateral loan of $30000, provided by Bank of the Southwest

Hi, I am Fredricka and I’m from Phoenix in Arizona. Maricopa, county is where I grew up, and now I need a no collateral loan in Arizona for $30000 to avoid bankruptcy. It wasn’t easy, but Bank of the Southwest really came through for me with this loan for 9.8% interest APR and a term of 24 years. I can probably repay the loan over the 24 year term, including interest. A big thanks to Bank of the Southwest for trusting me and my terrible credit. It look me 8 years to create my credit to 388, and I won’t harm it any future. I am pleased with Find Texas Loans for helping me this far.

Fredricka was not approved by Nextbank, National Association 5 times prior to being approved by Bank of the Southwest at 2730 E. Camelback Road, Suite 105

On December 31, 2010, Fredricka applied about borrowing $44,000 from Meridian Bank, National Association with Isaias, their friend from just outside Phoenix, and even with the co-signer, Fredricka was rejected for this no collateral loan. With terrible credit, it can be very hard to procure financing, even with collateral and a co-signer.

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans vary from $38,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Fredricka needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Fredricka was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.8%.

Fredricka’s Transunion score was changed by the no collateral loan loan, changing to 374 from 388, which is typical in our experience.

Transunion Score: 374

Before applying for this no collateral loan, Fredricka had an Experian score of 403, which is terrible, so Bank of the Southwest likely cannot provide Fredricka a no collateral loan

Experian Score: 403

Previous requests on Fredricka’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$104380.00 6 7.1% $1784.59 Wells Fargo Bank of Arizona, National Association April 14, 2011
$103800.00 5 9.4% $2174.92 Citibank (Arizona) March 20, 2012
$103890.00 7 11.4% $1800.77 Southern Arizona Bank and Trust Company June 20, 2013
$103810.00 9 11.5% $1547.15 Bank One, Arizona, National Association May 28, 2014

Signature Loan easily acquired in Phoenix, Arizona for $30000 with terrible credit by Fredricka

Most prospective borrowers have difficulty with finding signature loans in Phoenix, Arizona, and Fredricka is the same. Fredricka went to 6 lenders or more prior to settling on Bank of the Southwest, who offered Fredricka a signature loan for $30000. Most signature loans simply need a client, like Fredricka’s signature to obtain them, up to $22,000 in some cases. Fredricka was able to get $30000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans do not need collateral, these loans generally need improved credit, as high as 778

When Fredricka was 18, they attempted to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a list of Fredricka’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on March 5, 2012
  • Attempt 2) Loan for $37,000.00 on October 13, 2011
  • Attempt 3) Loan for $23,000.00 on July 4, 2009
  • Attempt 4) Loan for $22,000.00 on December 22, 2008

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

  • Bank of the Southwest
  • City: Phoenix
  • State: Arizona
  • Address: 2730 E. Camelback Road, Suite 105
  • County: Maricopa
  • Zip code: 85016

Multiple previous requests for credit have been made by Fredricka in the past, including one from Affiliated National Bank – Fruita in Phoenix, Arizona before Fredricka was approved for the $30000 by Bank of the Southwest

Fredricka made 5 previous tries to obtain a no collateral loan, 2 of which were with Affiliated National Bank – Fruita, a lending institution in Phoenix, Arizona known to specialize in no collateral loans specifically. Before finding Bank of the Southwest, Fredricka was very concerned due to their inexperience and terrible credit score.

6 Months in the Past, Fredricka Tried to Find a High Risk Loan for $42,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Fredricka. Fredricka chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Clients with credit ratings as low as 497 can inquire for a high risk loan and may be be approved.

Client Profile: Fredricka Liverani of Phoenix, Arizona
  • Full name (Changed if requested): Fredricka Liverani
  • Current Credit: loans.hit.utils.Fico@497470ed
  • Current City: Phoenix
  • State: Arizona
  • Zip code: 85023
  • Yearly income: $30,000
  • Current Job: marine and aquatic biologist
  • Current County: Maricopa
  • Goal Yearly Income: $99,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Personal Loan for a marine and aquatic biologist named Fredricka in Phoenix, Arizona to Pay Off The Company Store Credit Card

Fredricka had a lot of credit card debt on their Jeff Bank College Rewards Visa Card and their Stein Mart Platinum Rewards MasterCard, and they were starting to get in over their heads. Despite Fredricka’s job as a marine and aquatic biologist, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Conclusion of Fredricka’s no collateral loan

In the end, Fredricka was able to find a no collateral loan for $30000 with an interest rate of 10.4% interest APR from Bank of the Southwest in Phoenix, Arizona repayable over 24 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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