$98000 Unsecured Loan – Nazareth Pennsylvania, Credit Score Of 351
- Experian: 370 – The client had a terrible Experian score
- Transunion: 334 – Missy had a terrible credit score with Transunion.
- Equifax: Missy’s Experian score was 351, which is a terrible credit score with the Experian scale.
Missy’s Transunion score was altered by the unsecured loan loan, changing to 334 from 351, which is typical in our experience.
- Full name (Changed if requested): Missy Robe
- Current Credit: loans.hit.utils.Fico@1376c05c
- Current City: Nazareth
- State: Pennsylvania
- Zip code: 18070
- Yearly income: $44,000
- Current Job: animal breeder
- Current County: Northampton
- Goal Yearly Income: $84,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Contact Details for The Second National Bank of Nazareth, the provider of this unsecured loan
- The Second National Bank of Nazareth
- City: Nazareth
- State: Pennsylvania
- Address: Main Street
- County: Northampton
- Zip code: 18064
When Missy was 20, they attempted to obtain a student loan from 6 alternate lenders, which damaged their credit rating. Below is a list of Missy’s prior attempts at finding a student loan:
- Attempt 1) Loan for $37,000.00 on May 3, 2010
- Attempt 2) Loan for $38,000.00 on October 9, 2009
- Attempt 3) Loan for $36,000.00 on February 2, 2012
- Attempt 4) Loan for $31,000.00 on January 2, 2012
- Attempt 5) Loan for $24,000.00 on February 24, 2011
- Attempt 6) Loan for $38,000.00 on August 11, 2012
Missy’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their animal breeder job and their future job as a sales representative
Installment loan for Missy, a graduate of Barnard College and an animal breeder working for over $73,000 per year
Missy, an alumnus at Barnard College and an animal breeder in Nazareth, Pennsylvania wants an unsecured loan to purchase a house. Missy has instead decided to get an installment loan for $4,000 and is currently seeking lenders like Industrial Valley Bank and Trust Company to provide it.
Signature Loan easily acquired in Nazareth, Pennsylvania for $98000 with terrible credit by Missy
Most borrowers have difficulty with finding signature loans in Nazareth, Pennsylvania, and Missy is no exception. Missy went to 6 lending institutions or more before settling on The Second National Bank of Nazareth, who offered Missy a signature loan for $98000. Most signature loans simply need a client, like Missy’s signature to get them, up to $26,000 in some cases. Missy was able to get $98000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t need collateral, these loans generally require improved credit, as high as 748
Paraphrased and Standardized Quote from Missy for this unsecured loan of $98000, provided by The Second National Bank of Nazareth
Hello, I am Missy and I am from Nazareth in Pennsylvania. Northampton, county is where I grew up, and now I need a unsecured loan in Pennsylvania for $98000 to pay bills. It wasn’t easy, but The Second National Bank of Nazareth really came through for me with this loan for 5.7% interest APR and a term of 10 years. I can repay the loan over the 10 year term, including interest. A big thanks to The Second National Bank of Nazareth for trusting me and my terrible credit. It look me 5 years to create my credit to 351, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.
Missy was not approved by Community Bank and Trust Company 5 times prior to being granted funding by The Second National Bank of Nazareth at Main Street
On October 7, 2011, Missy inquired about borrowing $41,000 from Wayne Bank with Yen, their friend from just outside Nazareth, and even with the co-signer, Missy was rejected for this unsecured loan. With terrible credit, it can be very hard to procure funding, even with collateral and a co-signer.
Before applying for this unsecured loan, Missy had an Experian score of 370, which is terrible, so The Second National Bank of Nazareth probably cannot provide Missy an unsecured loan
Several previous requests for credit have been made by Missy in the past, including one from The Abbott Bank in Nazareth, Pennsylvania before Missy was approved for the $98000 by The Second National Bank of Nazareth
Missy made 4 previous tries to obtain an unsecured loan, 2 of which were with The Abbott Bank, a bank in Nazareth, Pennsylvania known to specialize in unsecured loans specifically. Prior to finding The Second National Bank of Nazareth, Missy was desperate due to their inexperience and terrible credit score.
Previous requests on Missy’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$98730.00||6||8.4%||$1750.4||The People’s Bank of Oxford||September 25, 2012|
|$99240.00||4||5.6%||$2312.5||First Lehigh Bank||June 13, 2013|
|$99220.00||6||8.3%||$1754.22||SunBank||October 11, 2014|
|$99450.00||11||5.3%||$995.86||Merchants Bank (North)||December 7, 2014|
|$99150.00||6||8.7%||$1772.51||Green Ridge Bank||July 21, 2015|
Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $29,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Missy required a debt consolidation loan to pay for their existing unsecured loan and their loan shark loan. Missy was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.5%.
Missy has a very low current total income, but has a large amount of prospects
Missy has always wanted to be a sales representative, but would need attend Barnard College again to become one. Missy has other possibilities as well, including internal auditor, environmental science technician, and clinical sociologist, which pay $55,000 through to $103,000 per year, at least. Because of this, we believe that Missy can pay for this unsecured loan of $98000.
Fast Loans for Missy in Nazareth, Pennsylvania to prevent bankruptcy or harm from debt collectors.
Fast loans in Nazareth, Pennsylvania aren’t actually that difficult to obtain, especially if you have some finesse like Missy. Missy was able to find a fast loan for $98000 from Mercer County State Bank and Elizabethtown Trust Company, but declined both offers in favor of their unsecured loan from The Second National Bank of Nazareth. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. An improvement in the case that a client is on the go.
Personal Loan for an animal breeder named Missy in Nazareth, Pennsylvania to Pay Off Justice FCU Student Rewards Visa Card
Missy had a tonne of credit card debt on their SECU Credit Union Visa Cards and their RBC Cash Back MasterCard, and they were starting to get in over their heads. Despite Missy’s job as an animal breeder, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.
7 Months in the Past, Missy Attempted Finding a High Risk Loan for $22,000.00, and it was Hard
There is an well known struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Missy. Missy chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Borrowers with credit ratings as low as 574 can inquire for a high risk loan and have a chance to be accepted.
Conclusion of Missy’s unsecured loan
In the end, Missy was able to find an unsecured loan for $98000 with an interest rate of 8.8% interest APR from The Second National Bank of Nazareth in Nazareth, Pennsylvania repayable over 10 years from today.