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9 Year, Fixed Interest Debt Consolidation Loan For Cyril In New York

$72000 Debt Consolidation Loan – Spring Valley New York, Credit Rating Of 546

  • Experian: 558 – The client had a fair Experian score
  • Transunion: 532 – Cyril had a fair credit score with Transunion.
  • Equifax: Cyril’s Experian score was 546, which is a fair credit score using the Experian system.

Contact Details for The Savings Bank of Rockland County, the provider of this debt consolidation loan

  • The Savings Bank of Rockland County
  • City: Spring Valley
  • State: New York
  • Address: 154 Spring Valley Marketplace
  • County: Rockland
  • Zip code: 10977

Cyril was not approved by Montgomery County Trust Company 4 times prior to being granted funding by The Savings Bank of Rockland County at 154 Spring Valley Marketplace

On March 30, 2012, Cyril inquired about borrowing $49,000 from Long Island Trust Company, National Association with Lilly, their in law from just outside Spring Valley, and even with the co-signer, Cyril was rejected for this debt consolidation loan. With fair credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Installment loan for Cyril, a graduate of Bakke Graduate University and a cost analysis engineer working for over $70,000 per year

Cyril, an alumnus at Bakke Graduate University and a cost analysis engineer in Spring Valley, New York needs a debt consolidation loan to purchase a new cell phone. Cyril has instead chosen to get an installment loan for $21,000 and is at present seeking lenders like Bankers Trust Company of Albany, National Association to process their request.

Personal Loan for a cost analysis engineer named Cyril in Spring Valley, New York to Pay Off Tioga State Bank Visa Platinum Card

Cyril had a lot of credit card debt on their Houston Astros BankAmericard Cash Rewards MasterCard and their U.S. Bank College Visa Card, and they were starting to get in over their heads. Despite Cyril’s job as a cost analysis engineer, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Fast Loans for Cyril in Spring Valley, New York to prevent bankruptcy or harm from debt collectors.

Fast loans in Spring Valley, New York aren’t actually that difficult to obtain, especially if you have some finesse like Cyril. Cyril was able to find a fast loan for $72000 from The Cohocton State Bank and First State Bank, but turned down both offers in favor of their debt consolidation loan from The Savings Bank of Rockland County. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. An improvement in the case that a borrower is in a pinch.

Cyril has a disappointing current yearly income, but has a high number of prospects

Cyril has always wanted to be a surgeon, but would have to attend Bakke Graduate University again to achieve it. Cyril has other prospects as well, including model makers, radio & tv announcer, and medical photographer, which pay $55,000 through to $99,000 per year, on average. For this reason, we think that Cyril can afford this debt consolidation loan of $72000.

When Cyril was 23, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit rating. Below is a chronology of Cyril’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on January 27, 2010
  • Attempt 2) Loan for $34,000.00 on February 22, 2009
  • Attempt 3) Loan for $29,000.00 on May 14, 2013
  • Attempt 4) Loan for $22,000.00 on May 15, 2010
  • Attempt 5) Loan for $38,000.00 on December 31, 2009
  • Attempt 6) Loan for $25,000.00 on January 24, 2012
  • Attempt 7) Loan for $34,000.00 on July 19, 2013

Cyril’s Transunion score was altered by the debt consolidation loan loan, changing to 532 from 546, which is typical in our experience.

Transunion Score: 532

9 Months Ago, Cyril Tried Finding a High Risk Loan for $29,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Cyril. Cyril chose not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Individuals with credit ratings as low as 567 can inquire for a high risk loan and possibly can be accepted.

Before applying for this debt consolidation loan, Cyril had an Experian score of 558, which is fair, so The Savings Bank of Rockland County probably cannot provide Cyril a debt consolidation loan

Experian Score: 558

Paraphrased and Standardized Quote from Cyril for this debt consolidation loan of $72000, provided by The Savings Bank of Rockland County

Hi, I am Cyril and I’m from Spring Valley in New York. Rockland, county is where I grew up, and now I need a debt consolidation loan in New York for $72000 to pay bills. It wasn’t easy, but The Savings Bank of Rockland County really came through for me with this loan for 6.0% interest APR and a term of 9 years. I can probably repay the loan over the 9 year term, including interest. A big thanks to The Savings Bank of Rockland County for giving me a chance and my fair credit. It look me 5 years to create my credit to 546, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $28,000.00 to $59,000.00. They are normally used to pay off existing high interest loans like credit cards. Cyril required a debt consolidation loan to pay for their existing debt consolidation loan and their credit card. Cyril was able to find a debt consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.0%.

Previous requests on Cyril’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$147820.00 5 5.4% $2816.72 Bankers Trust Company of Albany, National Association August 14, 2009
$147790.00 10 5.5% $1603.91 Montgomery County Trust Company February 13, 2010
$147800.00 8 7.2% $2029.81 Bank of Avoca March 24, 2010
$147710.00 9 7.1% $1854.79 The State Bank of Belmont April 8, 2012
$147900.00 8 7.2% $2031.18 Fleet Bank of New York, National Association April 11, 2013
Client Profile: Cyril Latourrette of Spring Valley, New York
  • Full name (Changed if requested): Cyril Latourrette
  • Current Credit: loans.hit.utils.Fico@70177ecd
  • Current City: Spring Valley
  • State: New York
  • Zip code: 10984
  • Yearly income: $46,000
  • Current Job: cost analysis engineer
  • Current County: Rockland
  • Goal Yearly Income: $97,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Cyril’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their cost analysis engineer job and their future job as a surgeon

Fico Score: 546

Multiple past requests for credit have been made by Cyril in the past, including one from Embry Bank in Spring Valley, New York before Cyril was accepted for the $72000 by The Savings Bank of Rockland County

Cyril made 5 previous attempts to obtain a debt consolidation loan, 2 of which were with Embry Bank, a bank in Spring Valley, New York known to specialize in debt consolidation loans specifically. Prior to finding The Savings Bank of Rockland County, Cyril was desperate due to their inexperience and fair credit score.

Signature Loan found in Spring Valley, New York for $72000 with fair credit by Cyril

Many prospective borrowers have difficulty with obtaining signature loans in Spring Valley, New York, and Cyril is no exception. Cyril went to 4 lending institutions or more prior to finding The Savings Bank of Rockland County, who offered Cyril a signature loan for $72000. Typical signature loans simply require a client, like Cyril’s signature to get them, up to $42,000 in some cases. Cyril was able to get $72000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans do not need collateral, they tend to require higher credit, as high as 743

Conclusion of Cyril’s debt consolidation loan

In the end, Cyril was able to find a debt consolidation loan for $72000 with an interest rate of 8.3% interest APR from The Savings Bank of Rockland County in Spring Valley, New York repayable over 9 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.