$42000 Personal Loan – Scottsdale Arizona, Credit Rating Of 451
- Experian: 462 – The client had a bad Experian score
- Transunion: 437 – Ethelene had a bad credit score with Transunion.
- Equifax: Ethelene’s Experian score was 451, which is a bad credit rating with the Experian system.
7 Months in the Past, Ethelene Tried Finding a High Risk Loan for $31,000.00, but They Didn’t Find What They were Expecting
There is an well known struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Ethelene. Ethelene chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Clients with credit ratings as low as 585 can inquire for a high risk loan and have a chance to be accepted.
Before applying for this personal loan, Ethelene had an Experian score of 462, which is bad, so Universal Savings and Loan Association, A Federal Savings and Loan Assoc likely cannot provide Ethelene a personal loan
Ethelene’s Overall FICO score at the time of acceptance for a personal loan, taking into account their mechanical inspector job and their future career as a quality control engineer
Installment loan for Ethelene, a graduate of Walla Walla University and a mechanical inspector working for over $76,000 per year
Ethelene, an alumnus at Walla Walla University and a mechanical inspector in Scottsdale, Arizona needs a personal loan to purchase a new cell phone. Ethelene has instead chosen to get an installment loan for $6,000 and is at present seeking lenders like The State Bank to provide it.
Ethelene was not approved by Arizona Commerce Bank 7 times prior to being granted funding by Universal Savings and Loan Association, A Federal Savings and Loan Assoc at 4141 North Scottsdale Road
On May 3, 2010, Ethelene inquired about borrowing $4,000 from Wells Fargo Bank Arizona, National Association with Shalonda, their friend from just outside Scottsdale, and even with the co-signer, Ethelene was rejected for this personal loan. With bad credit, it can be difficult to obtain financing, even with collateral and a co-signer.
Fast Loans for Ethelene in Scottsdale, Arizona to prevent bankruptcy or harm from debt collectors.
Fast loans in Scottsdale, Arizona aren’t actually that difficult to obtain, particularly if you have some gumption like Ethelene. Ethelene was able to find a fast loan for $42000 from Farmers and Merchants Bank and National Bank of Arizona, but declined both offers in favor of their personal loan from Universal Savings and Loan Association, A Federal Savings and Loan Assoc. 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 7 weeks for installment loans. An improvement in the case that a client is in a pinch.
When Ethelene was 22, they attempted to obtain a student loan from 4 alternate lenders, which harmed their credit score. Below is a chronology of Ethelene’s prior attempts at finding a student loan:
- Attempt 1) Loan for $34,000.00 on August 28, 2011
- Attempt 2) Loan for $20,000.00 on April 5, 2011
- Attempt 3) Loan for $23,000.00 on August 20, 2010
- Attempt 4) Loan for $29,000.00 on May 4, 2009
Paraphrased and Standardized Quote from Ethelene for this personal loan of $42000, provided by Universal Savings and Loan Association, A Federal Savings and Loan Assoc
Hello, I am Ethelene and my hometown is Scottsdale in Arizona. Maricopa, county is where I grew up, and now I need a personal loan in Arizona for $42000 to buy a car. It has been difficult, but Universal Savings and Loan Association, A Federal Savings and Loan Assoc really came through for me with this loan for 11.2% interest APR and a term of 24 years. I can repay the loan over the 24 year term, including interest. A big thanks to Universal Savings and Loan Association, A Federal Savings and Loan Assoc for giving me a chance and my bad credit. It look me 5 years to create my credit to 451, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.
Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans range from $25,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Ethelene required a debt consolidation loan to pay for their existing personal loan and their loan shark loan. Ethelene was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.4%.
Previous requests on Ethelene’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$128750.00||6||7.6%||$2232.34||Wells Fargo Bank of Arizona, National Association||June 6, 2009|
|$129160.00||3||5.7%||$3911.76||Citibank (Arizona)||October 27, 2011|
|$129490.00||11||7.2%||$1423.0||Southern Arizona Bank and Trust Company||August 17, 2013|
|$129320.00||6||8.6%||$2305.47||Bank One, Arizona, National Association||July 22, 2014|
Contact Details for Universal Savings and Loan Association, A Federal Savings and Loan Assoc, the provider of this personal loan
- Universal Savings and Loan Association, A Federal Savings and Loan Assoc
- City: Scottsdale
- State: Arizona
- Address: 4141 North Scottsdale Road
- County: Maricopa
- Zip code: 85251
Several other requests for credit have been made by Ethelene in the past, including one from Farmers and Merchants Bank of Mound City, Kansas in Scottsdale, Arizona before Ethelene was approved for the $42000 by Universal Savings and Loan Association, A Federal Savings and Loan Assoc
Ethelene made 5 prior attempts to obtain a personal loan, 2 of which were with Farmers and Merchants Bank of Mound City, Kansas, a lender in Scottsdale, Arizona known to specialize in personal loans specifically. Prior to finding Universal Savings and Loan Association, A Federal Savings and Loan Assoc, Ethelene was concerned due to their inexperience and bad credit score.
Personal Loan for a mechanical inspector named Ethelene in Scottsdale, Arizona to Pay Off Fulton Bank Visa Signature Bonus Rewards Card
Ethelene had a tonne of credit card debt on their Jeff Bank College Rewards Visa Card and their BankAmericard Cash Rewards for Students, and they were starting to get in over their heads. Despite Ethelene’s job as a mechanical inspector, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Signature Loan easily acquired in Scottsdale, Arizona for $42000 with bad credit by Ethelene
A lot of prospective borrowers have difficulty with finding signature loans in Scottsdale, Arizona, and Ethelene is the same. Ethelene went to 8 lending institutions or more before settling on Universal Savings and Loan Association, A Federal Savings and Loan Assoc, who offered Ethelene a signature loan for $42000. Typical signature loans simply need a client, like Ethelene’s signature to obtain them, up to $21,000 in some cases. Ethelene was able to get $42000 as a personal loan, which is very high for a personal loan. Since signature loans do not require collateral, they generally need improved credit, as high as 735
- Full name (Changed if requested): Ethelene Lasalle
- Current Credit: loans.hit.utils.Fico@20fa23c1
- Current City: Scottsdale
- State: Arizona
- Zip code: 85257
- Yearly income: $50,000
- Current Job: mechanical inspector
- Current County: Maricopa
- Goal Yearly Income: $118,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $0
Ethelene has a sad current total income, but has a large amount of prospects
Ethelene has always wanted to be a quality control engineer, but would need attend Walla Walla University again to become one. Ethelene has other prospects as well, including missing person investigator, metal fabricator, and sales promoter, which pay $54,000 through to $99,000 per year, on average. Because of this, we believe that Ethelene can pay for this personal loan of $42000.
Ethelene’s Transunion score was altered by the personal loan loan, changing to 437 from 451, which is typical in our experience.
Conclusion of Ethelene’s personal loan
In the end, Ethelene was able to find a personal loan for $42000 with an interest rate of 6.0% interest APR from Universal Savings and Loan Association, A Federal Savings and Loan Assoc in Scottsdale, Arizona repayable over 24 years from today.