$32000 No Collateral Loan – Libby Montana, Credit Score Of 812
- Experian: 827 – This individual had an excellent Experian score
- Transunion: 793 – Almeta had an excellent credit score with Transunion.
- Equifax: Almeta’s Experian score was 812, which is an excellent credit score using the Experian scale.
Contact Details for United Bank, the provider of this no collateral loan
- United Bank
- City: Libby
- State: Montana
- Address: 402 Mineral Street
- County: Lincoln
- Zip code: 59923
6 Months Ago, Almeta Tried Finding a High Risk Loan for $24,000.00, and it was Hard
There is an existing struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Almeta. Almeta chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Individuals with credit scores as low as 494 can apply for a high risk loan and possibly can be accepted.
Almeta has a sad current gross income, but has a high number of prospects
Almeta has always wanted to be a meter mechanic, but would need attend Saint Mary’s University of Minnesota again to achieve it. Almeta has other prospects as well, including elevator mechanic, highway maintenance worker, and food & drug inspector, which pay $50,000 through to $105,000 per year, at least. Because of this, we believe that Almeta can afford this no collateral loan of $32000.
Several past requests for credit have been made by Almeta in the past, including one from Bank of Keystone in Libby, Montana before Almeta was accepted for the $32000 by United Bank
Almeta made 4 previous attempts to obtain a no collateral loan, 2 of which were with Bank of Keystone, a bank in Libby, Montana known to specialize in no collateral loans specifically. Prior to finding United Bank, Almeta was concerned due to their inexperience and excellent credit rating.
Installment loan for Almeta, a graduate of Saint Mary’s University of Minnesota and a technical illustrator working for over $64,000 per year
Almeta, an alumnus at Saint Mary’s University of Minnesota and a technical illustrator in Libby, Montana needs a no collateral loan to purchase a car. Almeta has instead decided to obtain an installment loan for $8,000 and is at present seeking lenders like State Bank of Terry to process their request.
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans vary from $20,000.00 to $51,000.00. They are typically used to pay off existing high interest loans like credit cards. Almeta required a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Almeta was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your bad, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.3%.
Fast Loans for Almeta in Libby, Montana to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Libby, Montana aren’t actually that difficult to obtain, especially if you have some finesse like Almeta. Almeta was able to find a fast loan for $32000 from Security State Bank, Harlem, Montana and First Interstate Bank of Great Falls, but turned down both offers in favor of their no collateral loan from United Bank. The improvement 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 personal loans. Much better if a borrower is in a time sensitive situation.
Almeta’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their technical illustrator job and their future job as a meter mechanic
Before applying for this no collateral loan, Almeta had an Experian score of 827, which is excellent, so United Bank probably cannot provide Almeta a no collateral loan
Almeta’s Transunion score was altered by the no collateral loan loan, changing to 793 from 812, which is typical in our experience.
Previous requests on Almeta’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$139700.00||10||11.6%||$1972.12||Western Bank of Wolf Point||January 6, 2012|
|$140100.00||11||5.2%||$1395.93||Farmers State Bank||March 8, 2013|
|$140230.00||5||10.6%||$3021.04||Bank of Montana Shelby||September 29, 2013|
|$140200.00||7||5.1%||$1988.17||Security State Bank, Harlem, Montana||April 20, 2015|
Personal Loan for a technical illustrator named Almeta in Libby, Montana to Pay Off Riverview Community Bank Visa Signature Bonus Rewards PLUS Card
Almeta had a lot of credit card debt on their Tioga State Bank Visa Business Bonus Rewards PLUS Card and their BankAmericard Secured Visa Credit Card, and they were starting to get in over their heads. Despite Almeta’s job as a technical illustrator, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.
- Full name (Changed if requested): Almeta Warsham
- Current Credit: loans.hit.utils.Fico@59f95c5d
- Current City: Libby
- State: Montana
- Zip code: 59925
- Yearly income: $61,000
- Current Job: technical illustrator
- Current County: Lincoln
- Goal Yearly Income: $134,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Paraphrased and Standardized Quote from Almeta for this no collateral loan of $32000, provided by United Bank
Hello, I am Almeta and I’m from Libby in Montana. Lincoln, county is where I grew up, and now I need a no collateral loan in Montana for $32000 to avoid bankruptcy. It has been difficult, but United Bank really came through for me with this loan for 6.2% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to United Bank for trusting me and my excellent credit. It look me 9 years to build my credit to 812, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.
When Almeta was 22, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit score. Below is a list of Almeta’s previous attempts at finding a student loan:
- Attempt 1) Loan for $29,000.00 on November 13, 2009
- Attempt 2) Loan for $21,000.00 on October 23, 2010
- Attempt 3) Loan for $23,000.00 on March 18, 2011
- Attempt 4) Loan for $37,000.00 on June 17, 2009
Signature Loan found in Libby, Montana for $32000 with excellent credit by Almeta
Many borrowers have difficulty with obtaining signature loans in Libby, Montana, and Almeta is no exception. Almeta went to 4 lenders or more prior to finding United Bank, who offered Almeta a signature loan for $32000. Most signature loans simply need a client, like Almeta’s signature to obtain them, up to $24,000 in some cases. Almeta was able to get $32000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans don’t need collateral, they generally require improved credit, as high as 700
Almeta was rejected by Norwest Bank Lewistown, National Association 5 times before being granted funding by United Bank at 402 Mineral Street
On November 18, 2008, Almeta inquired about borrowing $24,000 from Culbertson State Bank of Culbertson, Montana with Dina, their in law from just outside Libby, and even with the co-signer, Almeta was rejected for this no collateral loan. With excellent credit, it can be a challenge to procure financing, even with collateral and a co-signer.
Conclusion of Almeta’s no collateral loan
In the end, Almeta was able to find a no collateral loan for $32000 with an interest rate of 5.4% interest APR from United Bank in Libby, Montana repayable over 21 years from now.