$132000 Unsecured Loan – Louisville Kentucky, Credit Rating Of 616
- Experian: 633 – This individual had a good Experian rating
- Transunion: 600 – Adriana had a good credit score with Transunion.
- Equifax: Adriana’s Experian score was 616, which is a good credit score with the Experian rating scheme.
- Full name (Changed if requested): Adriana Belle
- Current Credit: loans.hit.utils.Fico@25f38edc
- Current City: Louisville
- State: Kentucky
- Zip code: 40237
- Yearly income: $37,000
- Current Job: scientific photographer
- Current County: Jefferson
- Goal Yearly Income: $101,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Signature Loan easily acquired in Louisville, Kentucky for $132000 with good credit by Adriana
A lot of prospective borrowers have difficulty with finding signature loans in Louisville, Kentucky, and Adriana is no exception. Adriana went to 6 lenders or more before finding First Kentucky Trust Company, who offered Adriana a signature loan for $132000. Most signature loans simply need a client, like Adriana’s signature to obtain them, up to $44,000 in some cases. Adriana was able to get $132000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t need a cosigner, they generally need improved credit, as high as 740
When Adriana was 21, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit rating. Below is a chronology of Adriana’s prior attempts at finding a student loan:
- Attempt 1) Loan for $28,000.00 on May 20, 2013
- Attempt 2) Loan for $27,000.00 on September 19, 2011
- Attempt 3) Loan for $36,000.00 on December 21, 2010
- Attempt 4) Loan for $26,000.00 on November 6, 2008
- Attempt 5) Loan for $20,000.00 on February 11, 2009
- Attempt 6) Loan for $32,000.00 on November 7, 2010
- Attempt 7) Loan for $33,000.00 on August 4, 2010
Paraphrased and Standardized Quote from Adriana for this unsecured loan of $132000, provided by First Kentucky Trust Company
Hi, I am Adriana and my hometown is Louisville in Kentucky. Jefferson, county is where I grew up, and now I need a unsecured loan in Kentucky for $132000 to pay bills. It has been difficult, but First Kentucky Trust Company really came through for me with this loan for 8.5% interest APR and a term of 11 years. I will repay the loan over the 11 year term, including interest. A big thanks to First Kentucky Trust Company for giving me a chance and my good credit. It look me 5 years to create my credit to 616, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.
Multiple other requests for credit have been made by Adriana in the past, including one from Lake Shore National Bank in Louisville, Kentucky before Adriana was approved for the $132000 by First Kentucky Trust Company
Adriana made 4 prior attempts to obtain an unsecured loan, 2 of which were with Lake Shore National Bank, a bank in Louisville, Kentucky known to specialize in unsecured loans specifically. Prior to finding First Kentucky Trust Company, Adriana was very concerned due to their inexperience and good credit score.
Adriana was declined by United Community Bank 5 times before being accepted by First Kentucky Trust Company at 101 South Fifth Street
On November 10, 2009, Adriana applied about borrowing $40,000 from Simpson County Bank with Demetrius, their friend from just outside Louisville, and even with the co-signer, Adriana was rejected for this unsecured loan. With good credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans vary from $34,000.00 to $57,000.00. They are mainly used to pay off existing high interest loans like credit cards. Adriana needed a debt consolidation loan to pay for their existing unsecured loan and their credit card. Adriana was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your dirty, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.3%.
Personal Loan for a scientific photographer named Adriana in Louisville, Kentucky to Pay Off America’s First FCU Visa Platinum Plus
Adriana had a tonne of credit card debt on their USAA Secured Card Platinum Visa and their Atlantic Stewardship Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Adriana’s job as a scientific photographer, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Adriana has a very low current gross income, but has several of prospects
Adriana has always wanted to be a platemakers, but would need attend American InterContinental University again to achieve it. Adriana has other possibilities as well, including meter mechanic, registrar administrator, and harbor master, which pay $55,000 through to $106,000 per year, at least. Because of this, we think that Adriana can afford this unsecured loan of $132000.
Fast Loans for Adriana in Louisville, Kentucky to prevent bankruptcy or harm from debt collectors.
Fast loans in Louisville, Kentucky aren’t actually that difficult to obtain, particularly if you have some gumption like Adriana. Adriana was able to find a fast loan for $132000 from Farmers Deposit Bank of Brandenburg and Ascencia Bank, but turned down both offers in favor of their unsecured loan from First Kentucky Trust Company. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference in the case that a borrower is in a pinch.
Contact Details for First Kentucky Trust Company, the provider of this unsecured loan
- First Kentucky Trust Company
- City: Louisville
- State: Kentucky
- Address: 101 South Fifth Street
- County: Jefferson
- Zip code: 40232
Installment loan for Adriana, a graduate of American InterContinental University and a scientific photographer working for over $76,000 per year
Adriana, an alumnus at American InterContinental University and a scientific photographer in Louisville, Kentucky wants an unsecured loan to purchase something frivolous. Adriana has instead decided to get an installment loan for $10,000 and is currently seeking lenders like Citizens Bank to process their request.
8 Months Ago, Adriana Tried to Find a High Risk Loan for $24,000.00, and it was Easy
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 originating loan sharks or the like, which can be physically harmful to borrowers like Adriana. Adriana decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Individuals with credit scores as low as 351 can inquire for a high risk loan and may be be approved.
Adriana’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their scientific photographer job and their future career as a platemakers
Previous requests on Adriana’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $61430.00 | 4 | 5.6% | $1431.45 | Stock Yards Bank & Trust Company | October 19, 2009 |
| $60800.00 | 8 | 6.1% | $801.96 | Farmers Deposit Bank of Brandenburg | June 15, 2010 |
| $60850.00 | 4 | 6.2% | $1434.65 | Citizens Bank | February 2, 2012 |
| $61240.00 | 7 | 6.6% | $912.35 | Citizens Bank & Trust Company, Burgin, Kentucky | August 4, 2012 |
| $61460.00 | 9 | 10.1% | $868.61 | Farmers National Bank | June 8, 2013 |
Adriana’s Transunion score was changed by the unsecured loan loan, changing to 600 from 616, which is typical in our experience.
Before applying for this unsecured loan, Adriana had an Experian score of 633, which is good, so First Kentucky Trust Company likely cannot provide Adriana an unsecured loan
Conclusion of Adriana’s unsecured loan
In the end, Adriana was able to find an unsecured loan for $132000 with an interest rate of 11.1% interest APR from First Kentucky Trust Company in Louisville, Kentucky repayable over 11 years from now.
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