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No Collateral Loan With Very Low APR In Dona Ana County, New Mexico

$104000 No Collateral Loan – Las Cruces New Mexico, Credit Rating Of 704

  • Experian: 722 – The client had a good Experian rating
  • Transunion: 685 – Angelia had a good credit score with Transunion.
  • Equifax: Angelia’s Experian score was 704, which is a good credit score using the Experian system.

Installment loan for Angelia, a graduate of William Woods University and a hand sewer working for over $74,000 per year

Angelia, an alumnus at William Woods University and a hand sewer in Las Cruces, New Mexico wants a no collateral loan to purchase a car. Angelia has instead chosen to obtain an installment loan for $8,000 and is currently seeking lenders like United New Mexico Bank at Vaughn to process their request.

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

There is an existing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Angelia. Angelia decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Borrowers with credit ratings as low as 451 can inquire for a high risk loan and may be be accepted.

Before applying for this no collateral loan, Angelia had an Experian score of 722, which is good, so Sierra Bank likely can provide Angelia a no collateral loan

Experian Score: 722

Angelia has a very low current total income, but has a high number of prospects

Angelia has always wanted to be a surgeon, but would need attend William Woods University again to achieve it. Angelia has other possibilities as well, including air crew officer, packers and packagers, and materials inspector, which pay $56,000 through to $95,000 per year, at least. Because of this, we think that Angelia can afford this no collateral loan of $104000.

Angelia was declined by The Citizens Bank of Clovis 7 times prior to being accepted by Sierra Bank at 550 South Telshor

On January 16, 2011, Angelia applied about borrowing $40,000 from SUNWEST Bank of Clovis, National Association with Karmen, their friend from just outside Las Cruces, and even with the co-signer, Angelia was rejected for this no collateral loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Angelia for this no collateral loan of $104000, provided by Sierra Bank

Hello, I am Angelia and my hometown is Las Cruces in New Mexico. Dona Ana, county is where I grew up, and now I need a no collateral loan in New Mexico for $104000 to pay bills. It has been difficult, but Sierra Bank really came through for me with this loan for 6.2% interest APR and a term of 12 years. I can probably repay the loan over the 12 year term, including interest. A big thanks to Sierra Bank for trusting me and my good credit. It look me 6 years to create my credit to 704, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.

Fast Loans for Angelia in Las Cruces, New Mexico to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Las Cruces, New Mexico aren’t actually that difficult to obtain, particularly if you have some gumption like Angelia. Angelia was able to find a fast loan for $104000 from SUNWEST Bank of Gallup and The Carlsbad National Bank, but declined both offers in favor of their no collateral loan from Sierra Bank. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement if a client is on the go.

Previous requests on Angelia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$16520.00 8 9.6% $247.19 The Citizens Bank November 7, 2010
$17350.00 8 6.8% $234.82 United New Mexico Bank at Mimbres Valley October 13, 2013
$17190.00 6 9.4% $313.28 First Security Bank of New Mexico, National Association January 7, 2014
$17470.00 9 7.5% $222.93 SUNWEST Bank of Albuquerque, National Association June 4, 2014

Angelia’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their hand sewer job and their future career as a surgeon

Fico Score: 704

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $27,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Angelia needed a debt consolidation loan to pay for their existing no collateral loan and their loan shark loan. Angelia was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your bad, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.1%.

Multiple previous requests for credit have been made by Angelia in the past, including one from Continental Bank in Las Cruces, New Mexico before Angelia was approved for the $104000 by Sierra Bank

Angelia made 6 previous tries to obtain a no collateral loan, 2 of which were with Continental Bank, a lender in Las Cruces, New Mexico known to specialize in no collateral loans specifically. Prior to finding Sierra Bank, Angelia was concerned due to their inexperience and good credit rating.

Signature Loan acquired in Las Cruces, New Mexico for $104000 with good credit by Angelia

A lot of borrowers struggle with obtaining signature loans in Las Cruces, New Mexico, and Angelia is no different. Angelia went to 7 lenders or more before settling on Sierra Bank, who offered Angelia a signature loan for $104000. Most signature loans simply need a client, like Angelia’s signature to get them, up to $45,000 in some cases. Angelia was able to get $104000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans don’t require a cosigner, these loans generally need higher credit, as high as 799

Angelia’s Transunion score was altered by the no collateral loan loan, changing to 685 from 704, which is normal in our experience.

Transunion Score: 685

When Angelia was 24, they tried to obtain a student loan from 5 alternate banks, which harmed their credit rating. Below is a chronology of Angelia’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on April 20, 2010
  • Attempt 2) Loan for $35,000.00 on June 15, 2009
  • Attempt 3) Loan for $39,000.00 on November 4, 2008
  • Attempt 4) Loan for $34,000.00 on December 9, 2011
  • Attempt 5) Loan for $33,000.00 on April 10, 2010

Personal Loan for a hand sewer named Angelia in Las Cruces, New Mexico to Pay Off Los Angeles Angels BankAmericard Cash Rewards MasterCard

Angelia had a tonne of credit card debt on their Macy’s Credit Card and their Club Carlson Platinum Rewards Visa Card, and they were starting to get in over their heads. Despite Angelia’s job as a hand sewer, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Client Profile: Angelia Giarrusso of Las Cruces, New Mexico
  • Full name (Changed if requested): Angelia Giarrusso
  • Current Credit: loans.hit.utils.Fico@27fa135a
  • Current City: Las Cruces
  • State: New Mexico
  • Zip code: 88013
  • Yearly income: $31,000
  • Current Job: hand sewer
  • Current County: Dona Ana
  • Goal Yearly Income: $103,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Contact Details for Sierra Bank, the provider of this no collateral loan

  • Sierra Bank
  • City: Las Cruces
  • State: New Mexico
  • Address: 550 South Telshor
  • County: Dona Ana
  • Zip code: 88011

Conclusion of Angelia’s no collateral loan

In the end, Angelia was able to find a no collateral loan for $104000 with an interest rate of 8.0% interest APR from Sierra Bank in Las Cruces, New Mexico repayable over 12 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.