$129000 Unsecured Loan – New York City New York, Credit Score Of 330
- Experian: 343 – The client had a terrible Experian rating
- Transunion: 313 – Yoshie had a terrible credit rating with Transunion.
- Equifax: Yoshie’s Experian score was 330, which is a terrible credit score on the Experian scale.
Before applying for this unsecured loan, Yoshie had an Experian score of 343, which is terrible, so The Greater New York Savings Bank likely cannot provide Yoshie an unsecured loan
Yoshie’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their soil conservation technician job and their future job as a child life specialist
Several other requests for credit have been made by Yoshie in the past, including one from Nebraska Bank of Commerce in New York City, New York before Yoshie was approved for the $129000 by The Greater New York Savings Bank
Yoshie made 6 prior attempts to obtain an unsecured loan, 2 of which were with Nebraska Bank of Commerce, a lender in New York City, New York known to specialize in unsecured loans specifically. Prior to finding The Greater New York Savings Bank, Yoshie was very concerned due to their inexperience and terrible credit rating.
8 Months in the Past, Yoshie Tried Finding a High Risk Loan for $33,000.00, but They Didn’t Find What They were Expecting
There is an existing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Yoshie. Yoshie chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Individuals with credit scores as low as 579 can inquire for a high risk loan and possibly can be accepted.
When Yoshie was 21, they attempted to obtain a student loan from 6 alternate banks, which damaged their credit rating. Below is a list of Yoshie’s previous attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on January 7, 2010
- Attempt 2) Loan for $37,000.00 on September 12, 2010
- Attempt 3) Loan for $30,000.00 on December 6, 2012
- Attempt 4) Loan for $28,000.00 on August 10, 2011
- Attempt 5) Loan for $29,000.00 on February 15, 2010
- Attempt 6) Loan for $25,000.00 on May 5, 2011
Signature Loan acquired in New York City, New York for $129000 with terrible credit by Yoshie
Most borrowers have difficulty with obtaining signature loans in New York City, New York, and Yoshie is no different. Yoshie went to 5 lenders or more before settling on The Greater New York Savings Bank, who offered Yoshie a signature loan for $129000. Most signature loans simply require a client, like Yoshie’s signature to get them, up to $22,000 in some cases. Yoshie was able to get $129000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans don’t need collateral, these loans generally require higher credit, as high as 761
Yoshie has a very low current yearly income, but has several of prospects
Yoshie has always wanted to be a child life specialist, but would have to attend Uintah Basin Applied Technology College again to achieve it. Yoshie has other prospects as well, including recreation leader, door to door salesmen, and screen writer, which pay $56,000 through to $104,000 per year, at least. Because of this, we think that Yoshie can pay for this unsecured loan of $129000.
Paraphrased and Standardized Quote from Yoshie for this unsecured loan of $129000, provided by The Greater New York Savings Bank
Hello, I am Yoshie and my hometown is New York City in New York. Kings, county is where I grew up, and now I need a unsecured loan in New York for $129000 to avoid bankruptcy. It wasn’t easy, but The Greater New York Savings Bank really came through for me with this loan for 11.6% interest APR and a term of 1 years. I can probably repay the loan over the 1 year term, including interest. A big thanks to The Greater New York Savings Bank for trusting me and my terrible credit. It look me 8 years to build my credit to 330, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.
Yoshie was rejected by Endicott Trust Company 6 times prior to being granted funding by The Greater New York Savings Bank at 449 Fifth Avenue
On January 7, 2010, Yoshie applied about borrowing $49,000 from American Bank & Trust Company with Jayne, their in law from just outside New York City, and even with the co-signer, Yoshie was rejected for this unsecured loan. With terrible credit, it can be very hard to obtain financing, even with collateral and a co-signer.
Previous requests on Yoshie’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$64110.00||10||6.2%||$718.21||Bankers Trust Company of Albany, National Association||November 17, 2013|
|$64120.00||8||10.8%||$1000.32||Montgomery County Trust Company||April 1, 2014|
|$63840.00||9||11.2%||$940.79||Bank of Avoca||May 27, 2014|
|$63680.00||3||7.5%||$1980.84||The State Bank of Belmont||March 3, 2015|
Fast Loans for Yoshie in New York City, New York to prevent bankruptcy or broken legs from debt collectors.
Fast loans in New York City, New York aren’t actually that difficult to obtain, particularly if you have some gumption like Yoshie. Yoshie was able to find a fast loan for $129000 from Manufacturers Hanover Trust Company and Fleet Bank of New York, National Association, but turned down both offers in favor of their unsecured loan from The Greater New York Savings Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement in the case that a borrower is in a time sensitive situation.
Contact Details for The Greater New York Savings Bank, the provider of this unsecured loan
- The Greater New York Savings Bank
- City: New York City
- State: New York
- Address: 449 Fifth Avenue
- County: Kings
- Zip code: 11215
Installment loan for Yoshie, a graduate of Uintah Basin Applied Technology College and a soil conservation technician working for over $78,000 per year
Yoshie, an alumnus at Uintah Basin Applied Technology College and a soil conservation technician in New York City, New York wants an unsecured loan to purchase something frivolous. Yoshie has instead decided to obtain an installment loan for $8,000 and is currently seeking lenders like Partners Trust Municipal Bank to provide it.
Yoshie’s Transunion score was altered by the unsecured loan loan, changing to 313 from 330, which is typical in our experience.
- Full name (Changed if requested): Yoshie Halling
- Current Credit: loans.hit.utils.Fico@4361bd48
- Current City: New York City
- State: New York
- Zip code: 11219
- Yearly income: $44,000
- Current Job: soil conservation technician
- Current County: Kings
- Goal Yearly Income: $89,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $20,000.00 to $50,000.00. They are normally used to pay off existing high interest loans like credit cards. Yoshie required a debt consolidation loan to pay for their existing unsecured loan and their loan shark loan. Yoshie was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.6%.
Personal Loan for a soil conservation technician named Yoshie in New York City, New York to Pay Off Elks Platinum Visa Credit Card
Yoshie had a lot of credit card debt on their Quantas and their Bergners Rewards Credit Card, and they were starting to get in over their heads. Despite Yoshie’s job as a soil conservation technician, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Conclusion of Yoshie’s unsecured loan
In the end, Yoshie was able to find an unsecured loan for $129000 with an interest rate of 7.0% interest APR from The Greater New York Savings Bank in New York City, New York repayable over 1 years from now.