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23 Month, Fixed Interest Unsecured Loan For Takisha In New Jersey

$90000 Unsecured Loan – Berlin New Jersey, Credit Rating Of 817

  • Experian: 835 – The client had an excellent Experian rating
  • Transunion: 799 – Takisha had an excellent credit score with Transunion.
  • Equifax: Takisha’s Experian score was 817, which is an excellent credit rating using the Experian scale.

Contact Details for The Howard Federal Savings, FA, the provider of this unsecured loan

  • The Howard Federal Savings, FA
  • City: Berlin
  • State: New Jersey
  • Address: 150 White Horse Pike
  • County: Camden
  • Zip code: 8009

Installment loan for Takisha, a graduate of Western Governors University and a title examiner working for over $62,000 per year

Takisha, an alumnus at Western Governors University and a title examiner in Berlin, New Jersey wants an unsecured loan to purchase a car. Takisha has instead decided to obtain an installment loan for $11,000 and is currently seeking lenders like Carteret Bank and Trust Company to process their request.

Fast Loans for Takisha in Berlin, New Jersey to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Berlin, New Jersey aren’t actually that difficult to obtain, especially if you have some gumption like Takisha. Takisha was able to find a fast loan for $90000 from United Jersey Bank/Northwest and Fort Lee Trust Company, but declined both offers in favor of their unsecured loan from The Howard Federal Savings, FA. 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 7 weeks for personal loans. An improvement if a client is in a time sensitive situation.

Takisha has a disappointing current yearly income, but has a large amount of prospects

Takisha has always wanted to be a zoologist, but would have to attend Western Governors University again to become one. Takisha has other prospects as well, including criminal investigator, bicycle mechanic, and preschool administrator, which pay $50,000 through to $101,000 per year, at least. For this reason, we think that Takisha can pay for this unsecured loan of $90000.

Takisha was not approved by The Bank of New Jersey 4 times prior to being accepted by The Howard Federal Savings, FA at 150 White Horse Pike

On March 9, 2013, Takisha applied about borrowing $37,000 from Citizens’ Bank, National Association with Hassan, their friend from just outside Berlin, and even with the co-signer, Takisha was rejected for this unsecured loan. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.

7 Months in the Past, Takisha Attempted Finding a High Risk Loan for $21,000.00, and it was Hard

There is an well known struggle for borrowers to get 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 scary to borrowers like Takisha. Takisha decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit borrowers. Borrowers with credit ratings as low as 557 can inquire for a high risk loan and may be be accepted.

Signature Loan found in Berlin, New Jersey for $90000 with excellent credit by Takisha

Many borrowers struggle with obtaining signature loans in Berlin, New Jersey, and Takisha is no different. Takisha went to 4 lenders or more prior to settling on The Howard Federal Savings, FA, who offered Takisha a signature loan for $90000. Typical signature loans simply require a client, like Takisha’s signature to obtain them, up to $24,000 in some cases. Takisha was able to get $90000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans do not need a cosigner, these loans tend to require improved credit, as high as 743

Several other requests for credit have been made by Takisha in the past, including one from Bank of New England-Worcester in Berlin, New Jersey before Takisha was accepted for the $90000 by The Howard Federal Savings, FA

Takisha made 4 previous attempts to obtain an unsecured loan, 2 of which were with Bank of New England-Worcester, a bank in Berlin, New Jersey known to specialize in unsecured loans specifically. Before finding The Howard Federal Savings, FA, Takisha was desperate due to their inexperience and excellent credit rating.

Client Profile: Takisha Ned of Berlin, New Jersey
  • Full name (Changed if requested): Takisha Ned
  • Current Credit: loans.hit.utils.Fico@6193b845
  • Current City: Berlin
  • State: New Jersey
  • Zip code: 8011
  • Yearly income: $47,000
  • Current Job: title examiner
  • Current County: Camden
  • Goal Yearly Income: $94,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Previous requests on Takisha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$69600.00 3 5.5% $2101.63 The State Bank of North Jersey March 7, 2011
$70420.00 10 10.2% $938.42 Carteret Bank and Trust Company June 10, 2012
$69730.00 9 9.6% $966.67 United Jersey Bank/Northwest May 14, 2014
$69770.00 4 8.2% $1709.85 People’s Trust Company March 11, 2015

Personal Loan for a title examiner named Takisha in Berlin, New Jersey to Pay Off Harley-Davidson Visa Signature Card

Takisha had a lot of credit card debt on their Hawaiian Airlines World Elite MasterCard and their Zions Bank AmaZing Rate Credit Card, and they were starting to get in over their heads. Despite Takisha’s job as a title examiner, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this unsecured loan, Takisha had an Experian score of 835, which is excellent, so The Howard Federal Savings, FA most likely cannot provide Takisha an unsecured loan

Experian Score: 835

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

Average debt consolidation loans range from $33,000.00 to $41,000.00. They are normally used to pay off existing high interest loans like credit cards. Takisha required a debt consolidation loan to pay for their existing unsecured loan and their credit card. Takisha was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.6%.

Takisha’s Transunion score was changed by the unsecured loan loan, changing to 799 from 817, which is normal in our experience.

Transunion Score: 799

Paraphrased and Standardized Quote from Takisha for this unsecured loan of $90000, provided by The Howard Federal Savings, FA

Hi, I am Takisha and my hometown is Berlin in New Jersey. Camden, county is where I grew up, and now I need a unsecured loan in New Jersey for $90000 to renovate my home. It has been difficult, but The Howard Federal Savings, FA really came through for me with this loan for 7.1% interest APR and a term of 23 years. I will repay the loan over the 23 year term, including interest. A big thanks to The Howard Federal Savings, FA for trusting me and my excellent credit. It look me 8 years to create my credit to 817, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

Takisha’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their title examiner job and their future career as a zoologist

Fico Score: 817

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

  • Attempt 1) Loan for $28,000.00 on April 21, 2009
  • Attempt 2) Loan for $34,000.00 on September 17, 2009
  • Attempt 3) Loan for $35,000.00 on September 18, 2011
  • Attempt 4) Loan for $29,000.00 on July 20, 2012
  • Attempt 5) Loan for $32,000.00 on April 12, 2011

Conclusion of Takisha’s unsecured loan

In the end, Takisha was able to find an unsecured loan for $90000 with an interest rate of 9.6% interest APR from The Howard Federal Savings, FA in Berlin, New Jersey repayable over 23 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.