$176000 Private Loan – Fruita Colorado, Credit Rating Of 495
- Experian: 512 – The client had a bad Experian score
- Transunion: 477 – Rossana had a bad credit rating with Transunion.
- Equifax: Rossana’s Experian score was 495, which is a bad credit score on the Experian rating scheme.
Multiple other requests for credit have been made by Rossana in the past, including one from Farmers and Merchants Bank in Fruita, Colorado before Rossana was accepted for the $176000 by Affiliated National Bank – Fruita
Rossana made 7 previous tries to obtain a private loan, 2 of which were with Farmers and Merchants Bank, a bank in Fruita, Colorado known to specialize in private loans specifically. Before finding Affiliated National Bank – Fruita, Rossana was concerned due to their inexperience and bad credit score.
Signature Loan easily acquired in Fruita, Colorado for $176000 with bad credit by Rossana
Many borrowers struggle with finding signature loans in Fruita, Colorado, and Rossana is no exception. Rossana went to 8 lenders or more prior to settling on Affiliated National Bank – Fruita, who offered Rossana a signature loan for $176000. Most signature loans simply require a client, like Rossana’s signature to get them, up to $46,000 in some cases. Rossana was able to get $176000 as a private loan, which is very high for a private loan. Because signature loans don’t require a cosigner, these loans tend to require improved credit, as high as 720
- Full name (Changed if requested): Rossana Haggan
- Current Credit: loans.hit.utils.Fico@cc34f4d
- Current City: Fruita
- State: Colorado
- Zip code: 81529
- Yearly income: $55,000
- Current Job: model maker
- Current County: Mesa
- Goal Yearly Income: $103,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Rossana’s Overall FICO score at the time of acceptance for a private loan, taking into account their model maker job and their future career as a foreign exchange trader
9 Months in the Past, Rossana Tried 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 similar lenders, which can be scary to borrowers like Rossana. Rossana decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit borrowers. Clients with credit ratings as low as 433 can apply for a high risk loan and have a chance to be accepted.
Rossana has a disappointing current total income, but has a large amount of prospects
Rossana has always wanted to be a foreign exchange trader, but would need attend University of Phoenix again to achieve it. Rossana has other prospects as well, including fashion coordinator, cabinet maker, and job analyst, which pay $55,000 through to $108,000 per year, at least. Because of this, we think that Rossana can afford this private loan of $176000.
Personal Loan for a model maker named Rossana in Fruita, Colorado to Pay Off Havertys Furniture Credit Card
Rossana had a lot of credit card debt on their Sports Authority Credit Card and their DISTANCIA Visa Secured Card, and they were starting to get in over their heads. Despite Rossana’s job as a model maker, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
When Rossana was 24, they attempted to obtain a student loan from 7 different lenders, which damaged their credit score. Below is a chronology of Rossana’s prior attempts at finding a student loan:
- Attempt 1) Loan for $37,000.00 on February 25, 2012
- Attempt 2) Loan for $27,000.00 on February 12, 2010
- Attempt 3) Loan for $22,000.00 on May 29, 2013
- Attempt 4) Loan for $30,000.00 on May 16, 2011
- Attempt 5) Loan for $30,000.00 on February 21, 2009
- Attempt 6) Loan for $21,000.00 on October 21, 2013
- Attempt 7) Loan for $32,000.00 on April 30, 2011
Rossana’s Transunion score was altered by the private loan loan, changing to 477 from 495, which is normal in our experience.
Paraphrased and Standardized Quote from Rossana for this private loan of $176000, provided by Affiliated National Bank – Fruita
Hello, I am Rossana and I am from Fruita in Colorado. Mesa, county is where I grew up, and now I need a private loan in Colorado for $176000 to buy a big ticket item. It wasn’t easy, but Affiliated National Bank – Fruita really came through for me with this loan for 11.3% interest APR and a term of 22 years. I can repay the loan over the 22 year term, including interest. A big thanks to Affiliated National Bank – Fruita for trusting me and my bad credit. It look me 4 years to build my credit to 495, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.
Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans vary from $37,000.00 to $49,000.00. They are mainly used to pay off existing high interest loans like credit cards. Rossana needed a debt consolidation loan to pay for their existing private loan and their loan shark loan. Rossana was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.4%.
Installment loan for Rossana, a graduate of University of Phoenix and a model maker working for over $64,000 per year
Rossana, an alumnus at University of Phoenix and a model maker in Fruita, Colorado wants a private loan to purchase something frivolous. Rossana has instead chosen to get an installment loan for $8,000 and is currently seeking lenders like Colorado National Bank – Exchange to provide it.
Contact Details for Affiliated National Bank – Fruita, the provider of this private loan
- Affiliated National Bank – Fruita
- City: Fruita
- State: Colorado
- Address: 141 North Park Square
- County: Mesa
- Zip code: 81521
Rossana was not approved by Farmers State Bank of Calhan 4 times before being approved by Affiliated National Bank – Fruita at 141 North Park Square
On June 6, 2011, Rossana applied about borrowing $33,000 from The State Bank with Eura, their friend from just outside Fruita, and even with the co-signer, Rossana was rejected for this private loan. With bad credit, it can be difficult to procure financing, even with collateral and a co-signer.
Previous requests on Rossana’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $149220.00 | 5 | 6.8% | $2940.67 | Affiliated National Bank – Delta | August 28, 2010 |
| $149360.00 | 9 | 11.1% | $2192.78 | Central Bank, National Association | February 26, 2011 |
| $149180.00 | 3 | 8.5% | $4709.25 | The Colorado Bank and Trust Company of La Junta | March 22, 2011 |
| $148850.00 | 9 | 11.5% | $2218.41 | Colorado State Bank and Trust, N. A. | September 26, 2011 |
Before applying for this private loan, Rossana had an Experian score of 512, which is bad, so Affiliated National Bank – Fruita likely cannot provide Rossana a private loan
Fast Loans for Rossana in Fruita, Colorado to prevent bankruptcy or harm from debt collectors.
Fast loans in Fruita, Colorado aren’t actually that difficult to obtain, especially if you have some gumption like Rossana. Rossana was able to find a fast loan for $176000 from Norwest Bank Colorado Springs, National Association and The American State Bank, but declined both offers in favor of their private loan from Affiliated National Bank – Fruita. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. An improvement if a client is in a time sensitive situation.
Conclusion of Rossana’s private loan
In the end, Rossana was able to find a private loan for $176000 with an interest rate of 10.5% interest APR from Affiliated National Bank – Fruita in Fruita, Colorado repayable over 22 years from now.
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