$28000 Same Day Loan – Rochester New York, Credit Score Of 568
- Experian: 582 – The client had a fair Experian rating
- Transunion: 553 – Bradford had a fair credit score with Transunion.
- Equifax: Bradford’s Experian score was 568, which is a fair credit score on the Experian scale.
Paraphrased and Standardized Quote from Bradford for this same day loan of $28000, provided by Monroe Savings Bank, FSB
Hi, I am Bradford and my hometown is Rochester in New York. Monroe, county is where I grew up, and now I need a same day loan in New York for $28000 to pay bills. It wasn’t easy, but Monroe Savings Bank, FSB really came through for me with this loan for 5.5% interest APR and a term of 17 years. I will repay the loan over the 17 year term, including interest. A big thanks to Monroe Savings Bank, FSB for trusting me and my fair credit. It look me 8 years to create my credit to 568, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.
Previous requests on Bradford’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$110130.00||7||7.3%||$1678.35||Bankers Trust Company of Albany, National Association||April 24, 2011|
|$109550.00||5||7.3%||$2184.76||Montgomery County Trust Company||April 2, 2014|
|$109540.00||3||6.6%||$3362.28||Bank of Avoca||July 14, 2014|
|$110320.00||10||8.7%||$1379.64||The State Bank of Belmont||February 28, 2015|
|$110170.00||8||7.7%||$1540.69||Fleet Bank of New York, National Association||April 30, 2015|
Installment loan for Bradford, a graduate of Eastern Gateway Community College and a dietetic technician working for over $64,000 per year
Bradford, an alumnus at Eastern Gateway Community College and a dietetic technician in Rochester, New York needs a same day loan to purchase a house. Bradford has instead chosen to obtain an installment loan for $9,000 and is at present seeking lenders like IBJ Whitehall Bank & Trust Company to provide it.
Fast Loans for Bradford in Rochester, New York to prevent bankruptcy or harm from debt collectors.
Fast loans in Rochester, New York aren’t actually that difficult to obtain, particularly if you have some finesse like Bradford. Bradford was able to find a fast loan for $28000 from The Bank of New York and First State Bank, but declined both offers in favor of their same day loan from Monroe Savings Bank, FSB. 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 debt consolidation loans. Much better if a client is on the go.
Personal Loan for a dietetic technician named Bradford in Rochester, New York to Pay Off Malvern Federal Savings Bank Visa Platinum Card
Bradford had a lot of credit card debt on their Bank of America Platinum Plus for Business MasterCard and their Shell Small Business Card, and they were starting to get in over their heads. Despite Bradford’s job as a dietetic technician, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.
8 Months in the Past, Bradford Attempted to Find a High Risk Loan for $25,000.00, but They Didn’t Find What They were Expecting
It is an existing struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Bradford. Bradford chose not to get 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 scores as low as 322 can inquire for a high risk loan and possibly can be approved.
Contact Details for Monroe Savings Bank, FSB, the provider of this same day loan
- Monroe Savings Bank, FSB
- City: Rochester
- State: New York
- Address: 300 Main Street East
- County: Monroe
- Zip code: 14604
- Full name (Changed if requested): Bradford Daugaard
- Current Credit: loans.hit.utils.Fico@39ed3c8d
- Current City: Rochester
- State: New York
- Zip code: 14613
- Yearly income: $65,000
- Current Job: dietetic technician
- Current County: Monroe
- Goal Yearly Income: $144,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Bradford was rejected by The Chase Manhattan Bank (National Association) 7 times prior to being approved by Monroe Savings Bank, FSB at 300 Main Street East
On April 18, 2010, Bradford inquired about borrowing $40,000 from Long Island Trust Company, National Association with Gail, their in law from just outside Rochester, and even with the co-signer, Bradford was rejected for this same day loan. With fair credit, it can be a challenge to obtain funding, even with collateral and a co-signer.
Bradford has a low current total income, but has a large amount of prospects
Bradford has always wanted to be a job analyst, but would have to attend Eastern Gateway Community College again to become one. Bradford has other possibilities as well, including veterinarian, environmental science technician, and subway and streetcar conductor, which pay $51,000 through to $109,000 per year, at least. Because of this, we think that Bradford can afford this same day loan of $28000.
Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $20,000.00 to $55,000.00. They are normally used to pay off existing high interest loans like credit cards. Bradford needed a debt consolidation loan to pay for their existing same day loan and their loan shark loan. Bradford was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.1%.
Bradford’s Overall FICO score at the time of acceptance for a same day loan, taking into account their dietetic technician job and their future career as a job analyst
When Bradford was 21, they attempted to obtain a student loan from 5 alternate banks, which harmed their credit score. Below is a list of Bradford’s previous attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on November 8, 2008
- Attempt 2) Loan for $28,000.00 on October 5, 2012
- Attempt 3) Loan for $37,000.00 on December 9, 2009
- Attempt 4) Loan for $35,000.00 on January 12, 2010
- Attempt 5) Loan for $20,000.00 on January 3, 2010
Several other requests for credit have been made by Bradford in the past, including one from Colorado Community First State Bank in Rochester, New York before Bradford was accepted for the $28000 by Monroe Savings Bank, FSB
Bradford made 7 previous attempts to obtain a same day loan, 2 of which were with Colorado Community First State Bank, a lender in Rochester, New York known to specialize in same day loans specifically. Before finding Monroe Savings Bank, FSB, Bradford was desperate due to their inexperience and fair credit rating.
Signature Loan acquired in Rochester, New York for $28000 with fair credit by Bradford
Many clients struggle with finding signature loans in Rochester, New York, and Bradford is no exception. Bradford went to 5 lending institutions or more before finding Monroe Savings Bank, FSB, who offered Bradford a signature loan for $28000. Typical signature loans simply need a client, like Bradford’s signature to get them, up to $47,000 in some cases. Bradford was able to get $28000 as a same day loan, which is very high for a same day loan. Since signature loans don’t require a cosigner, these loans tend to require better credit, as high as 708
Bradford’s Transunion score was changed by the same day loan loan, changing to 553 from 568, which is normal in our experience.
Before applying for this same day loan, Bradford had an Experian score of 582, which is fair, so Monroe Savings Bank, FSB likely cannot provide Bradford a same day loan
Conclusion of Bradford’s same day loan
In the end, Bradford was able to find a same day loan for $28000 with an interest rate of 9.6% interest APR from Monroe Savings Bank, FSB in Rochester, New York repayable over 17 years from today.