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$4000 Direct Loan With Terrible Credit In Elmira New York

$4000 Direct Loan – Elmira New York, Credit Rating Of 396

  • Experian: 414 – This individual had a terrible Experian rating
  • Transunion: 381 – Jalisa had a terrible credit rating with Transunion.
  • Equifax: Jalisa’s Experian score was 396, which is a terrible credit score on the Experian scale.

Jalisa’s Transunion score was altered by the direct loan loan, changing to 381 from 396, which is normal in our experience.

Transunion Score: 381

When Jalisa was 23, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a list of Jalisa’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on September 11, 2009
  • Attempt 2) Loan for $24,000.00 on October 4, 2010
  • Attempt 3) Loan for $35,000.00 on December 26, 2008
  • Attempt 4) Loan for $33,000.00 on May 4, 2009

Signature Loan easily acquired in Elmira, New York for $4000 with terrible credit by Jalisa

A lot of prospective borrowers struggle with obtaining signature loans in Elmira, New York, and Jalisa is no exception. Jalisa went to 6 lending institutions or more prior to finding Chemung Valley Federal Savings and Loan Association, who offered Jalisa a signature loan for $4000. Typical signature loans simply need a client, like Jalisa’s signature to get them, up to $46,000 in some cases. Jalisa was able to get $4000 as a direct loan, which is very high for a direct loan. Because signature loans don’t need collateral, these loans generally need better credit, as high as 723

Jalisa was declined by The State Bank of Belmont 6 times prior to being approved by Chemung Valley Federal Savings and Loan Association at 351 North Main Street

On January 26, 2014, Jalisa applied about borrowing $26,000 from Montgomery County Trust Company with Freddie, their in law from just outside Elmira, and even with the co-signer, Jalisa was rejected for this direct loan. With terrible credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Before applying for this direct loan, Jalisa had an Experian score of 414, which is terrible, so Chemung Valley Federal Savings and Loan Association most likely cannot provide Jalisa a direct loan

Experian Score: 414

Jalisa’s Overall FICO score at the time of acceptance for a direct loan, taking into account their home entertainment system installer job and their future job as a range manager

Fico Score: 396

Previous requests on Jalisa’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$57470.00 6 10.4% $1076.31 Bankers Trust Company of Albany, National Association December 30, 2011
$57320.00 6 6.8% $971.75 Montgomery County Trust Company July 2, 2013
$56540.00 6 6.4% $947.74 Bank of Avoca February 19, 2015
$56880.00 8 7.2% $781.16 The State Bank of Belmont March 13, 2015
$57190.00 3 9.7% $1837.32 Fleet Bank of New York, National Association July 22, 2015

Jalisa has a sad current total income, but has a large amount of prospects

Jalisa has always wanted to be a range manager, but would need attend Huntingdon College again to become one. Jalisa has other possibilities as well, including disabled students teacher, agricultural product sorter, and heavy equipment mechanic, which pay $53,000 through to $95,000 per year, at least. Because of this, we believe that Jalisa can pay for this direct loan of $4000.

Paraphrased and Standardized Quote from Jalisa for this direct loan of $4000, provided by Chemung Valley Federal Savings and Loan Association

Hello, I am Jalisa and I’m from Elmira in New York. Chemung, county is where I grew up, and now I need a direct loan in New York for $4000 to buy a car. It wasn’t easy, but Chemung Valley Federal Savings and Loan Association really came through for me with this loan for 11.2% interest APR and a term of 11 years. I can repay the loan over the 11 year term, including interest. A big thanks to Chemung Valley Federal Savings and Loan Association for trusting me and my terrible credit. It look me 8 years to create my credit to 396, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Contact Details for Chemung Valley Federal Savings and Loan Association, the provider of this direct loan

  • Chemung Valley Federal Savings and Loan Association
  • City: Elmira
  • State: New York
  • Address: 351 North Main Street
  • County: Chemung
  • Zip code: 14901

Personal Loan for a home entertainment system installer named Jalisa in Elmira, New York to Pay Off Members 1st FCU Visa Platinum Points Rewards Credit Card

Jalisa had a tonne of credit card debt on their West Marine Platinum MasterCard and their Sleepy’s Credit Card, and they were starting to get in over their heads. Despite Jalisa’s job as a home entertainment system installer, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Client Profile: Jalisa Munsey of Elmira, New York
  • Full name (Changed if requested): Jalisa Munsey
  • Current Credit: loans.hit.utils.Fico@5a10411
  • Current City: Elmira
  • State: New York
  • Zip code: 14908
  • Yearly income: $64,000
  • Current Job: home entertainment system installer
  • Current County: Chemung
  • Goal Yearly Income: $92,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Fast Loans for Jalisa in Elmira, New York to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Elmira, New York aren’t actually that difficult to obtain, especially if you have some gumption like Jalisa. Jalisa was able to find a fast loan for $4000 from The Chase Manhattan Bank (National Association) and Deutsche Bank Trust Company Americas, but declined both offers in favor of their direct loan from Chemung Valley Federal Savings and Loan Association. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big difference in the case that a borrower is in a time sensitive situation.

Several previous requests for credit have been made by Jalisa in the past, including one from New Bethlehem Bank in Elmira, New York before Jalisa was approved for the $4000 by Chemung Valley Federal Savings and Loan Association

Jalisa made 9 previous tries to obtain a direct loan, 2 of which were with New Bethlehem Bank, a bank in Elmira, New York known to specialize in direct loans specifically. Prior to finding Chemung Valley Federal Savings and Loan Association, Jalisa was very concerned due to their inexperience and terrible credit score.

Installment loan for Jalisa, a graduate of Huntingdon College and a home entertainment system installer working for over $67,000 per year

Jalisa, an alumnus at Huntingdon College and a home entertainment system installer in Elmira, New York wants a direct loan to purchase a house. Jalisa has instead chosen to get an installment loan for $12,000 and is at present seeking lenders like Key Bank to provide it.

7 Months in the Past, Jalisa Tried to Find a High Risk Loan for $38,000.00, and it was Easy

There is an ongoing struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Jalisa. Jalisa chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Clients with credit ratings as low as 523 can apply for a high risk loan and possibly can be approved.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $37,000.00 to $41,000.00. They are typically used to pay off existing high interest loans like credit cards. Jalisa required a debt consolidation loan to pay for their existing direct loan and their credit card. Jalisa was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.0%.

Conclusion of Jalisa’s direct loan

In the end, Jalisa was able to find a direct loan for $4000 with an interest rate of 5.0% interest APR from Chemung Valley Federal Savings and Loan Association in Elmira, New York repayable over 11 years from today.

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.