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Unsecured Loan For $66000 Near 80112, Colorado With A Credit Score Of 660

$66000 Unsecured Loan – Englewood Colorado, Credit Score Of 660

  • Experian: 675 – This client had a good Experian rating
  • Transunion: 647 – Harold had a good credit score with Transunion.
  • Equifax: Harold’s Experian score was 660, which is a good credit rating using the Experian rating scheme.

Paraphrased and Standardized Quote from Harold for this unsecured loan of $66000, provided by United Bank of Arapahoe-East, National Association

Hi, I am Harold and I’m from Englewood in Colorado. Arapahoe, county is where I grew up, and now I need a unsecured loan in Colorado for $66000 to renovate my home. It wasn’t easy, but United Bank of Arapahoe-East, National Association really came through for me with this loan for 9.4% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to United Bank of Arapahoe-East, National Association for giving me a chance and my good credit. It look me 9 years to create my credit to 660, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

Client Profile: Harold Phyfe of Englewood, Colorado
  • Full name (Changed if requested): Harold Phyfe
  • Current Credit: loans.hit.utils.Fico@1ddc4ec2
  • Current City: Englewood
  • State: Colorado
  • Zip code: 80113
  • Yearly income: $41,000
  • Current Job: medical equipment preparer
  • Current County: Arapahoe
  • Goal Yearly Income: $99,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Harold has a sad current total income, but has several of prospects

Harold has always wanted to be a military-enlisted personnel, but would need attend Temple University again to become one. Harold has other prospects as well, including photo-optics technician, audio-visual collections specialist, and petroleum refinery operator, which pay $52,000 through to $103,000 per year, on average. For this reason, we think that Harold can afford this unsecured loan of $66000.

Installment loan for Harold, a graduate of Temple University and a medical equipment preparer working for over $63,000 per year

Harold, an alumnus at Temple University and a medical equipment preparer in Englewood, Colorado wants an unsecured loan to purchase a house. Harold has instead decided to obtain an installment loan for $29,000 and is at present seeking lenders like Central Bank, National Association to process their request.

Harold’s Transunion score was altered by the unsecured loan loan, changing to 647 from 660, which is normal in our experience.

Transunion Score: 647

Previous requests on Harold’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$19540.00 6 9.1% $353.19 Affiliated National Bank – Delta September 15, 2009
$20170.00 11 7.7% $227.0 Central Bank, National Association December 4, 2011
$19630.00 8 6.6% $263.74 The Colorado Bank and Trust Company of La Junta March 18, 2014
$20230.00 7 9.2% $327.54 Colorado State Bank and Trust, N. A. December 22, 2014

When Harold was 19, they tried to obtain a student loan from 6 different banks, which harmed their credit rating. Below is a list of Harold’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on October 24, 2011
  • Attempt 2) Loan for $26,000.00 on March 24, 2010
  • Attempt 3) Loan for $32,000.00 on August 15, 2010
  • Attempt 4) Loan for $25,000.00 on April 19, 2012
  • Attempt 5) Loan for $37,000.00 on November 7, 2009
  • Attempt 6) Loan for $27,000.00 on October 1, 2011

Many past requests for credit have been made by Harold in the past, including one from Valley Bank, Green Bay in Englewood, Colorado before Harold was approved for the $66000 by United Bank of Arapahoe-East, National Association

Harold made 8 previous tries to obtain an unsecured loan, 2 of which were with Valley Bank, Green Bay, a lending institution in Englewood, Colorado known to specialize in unsecured loans specifically. Before finding United Bank of Arapahoe-East, National Association, Harold was concerned due to their inexperience and good credit rating.

8 Months Ago, Harold Attempted Finding a High Risk Loan for $45,000.00, and it was Easy

It is an well known 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 Harold. Harold chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Individuals with credit ratings as low as 340 can inquire for a high risk loan and possibly can be accepted.

Contact Details for United Bank of Arapahoe-East, National Association, the provider of this unsecured loan

  • United Bank of Arapahoe-East, National Association
  • City: Englewood
  • State: Colorado
  • Address: 6855 South Havana Street
  • County: Arapahoe
  • Zip code: 80112

Signature Loan acquired in Englewood, Colorado for $66000 with good credit by Harold

A lot of prospective borrowers struggle with obtaining signature loans in Englewood, Colorado, and Harold is the same. Harold went to 6 lending institutions or more prior to settling on United Bank of Arapahoe-East, National Association, who offered Harold a signature loan for $66000. Typical signature loans simply need a client, like Harold’s signature to get them, up to $41,000 in some cases. Harold was able to get $66000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans do not require a cosigner, these loans tend to need higher credit, as high as 745

Harold’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their medical equipment preparer job and their future career as a military-enlisted personnel

Fico Score: 660

Personal Loan for a medical equipment preparer named Harold in Englewood, Colorado to Pay Off Fulton Bank College Rewards Visa Card

Harold had a lot of credit card debt on their Fulton Bank Visa Business Bonus Rewards PLUS Card and their Berkshire Municipal Bank Visa Platinum Card, and they were starting to get in over their heads. Despite Harold’s job as a medical equipment preparer, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Harold was declined by Bank One, Colorado Springs, National Association 5 times before being granted funding by United Bank of Arapahoe-East, National Association at 6855 South Havana Street

On April 19, 2011, Harold inquired about borrowing $39,000 from Fremont National Bank of Canon City with Lavera, their in law from just outside Englewood, and even with the co-signer, Harold was rejected for this unsecured loan. With good credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Fast Loans for Harold in Englewood, Colorado to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Englewood, Colorado aren’t actually that difficult to obtain, especially if you have some finesse like Harold. Harold was able to find a fast loan for $66000 from The Minnequa Bank of Pueblo and The First National Bank of Canon City, Colorado, but turned down both offers in favor of their unsecured loan from United Bank of Arapahoe-East, National Association. The improvement 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 debt consolidation loans. An improvement if you are on the go.

Before applying for this unsecured loan, Harold had an Experian score of 675, which is good, so United Bank of Arapahoe-East, National Association likely cannot provide Harold an unsecured loan

Experian Score: 675

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

Average debt consolidation loans range from $23,000.00 to $53,000.00. They are typically used to pay off existing high interest loans like credit cards. Harold needed a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Harold was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.4%.

Conclusion of Harold’s unsecured loan

In the end, Harold was able to find an unsecured loan for $66000 with an interest rate of 6.2% interest APR from United Bank of Arapahoe-East, National Association in Englewood, Colorado repayable over 21 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.