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6 Month Private Loan For Nida In Chittenango New York

$24000 Private Loan – Chittenango New York, Credit Score Of 784

  • Experian: 799 – This client had an excellent Experian rating
  • Transunion: 769 – Nida had an excellent credit rating with Transunion.
  • Equifax: Nida’s Experian score was 784, which is an excellent credit score using the Experian scale.

Nida’s Transunion score was altered by the private loan loan, changing to 769 from 784, which is typical in our experience.

Transunion Score: 769

When Nida was 24, they attempted to obtain a student loan from 6 different lenders, which damaged their credit score. Below is a chronology of Nida’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on October 1, 2010
  • Attempt 2) Loan for $27,000.00 on December 9, 2013
  • Attempt 3) Loan for $35,000.00 on March 23, 2012
  • Attempt 4) Loan for $39,000.00 on July 7, 2010
  • Attempt 5) Loan for $38,000.00 on December 10, 2012
  • Attempt 6) Loan for $21,000.00 on September 29, 2009

Several previous requests for credit have been made by Nida in the past, including one from First Federal Savings and Loan Association in Chittenango, New York before Nida was accepted for the $24000 by State Bank of Chittenango

Nida made 9 previous attempts to obtain a private loan, 2 of which were with First Federal Savings and Loan Association, a bank in Chittenango, New York known to specialize in private loans specifically. Before finding State Bank of Chittenango, Nida was concerned due to their inexperience and excellent credit rating.

7 Months Ago, Nida Tried to Find a High Risk Loan for $48,000.00, and it was Easy

It is an ongoing struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Nida. Nida decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Clients with credit scores as low as 445 can inquire for a high risk loan and may be be accepted.

Nida was rejected by United States Trust Company of New York 6 times prior to being approved by State Bank of Chittenango at 519 Genesee Street

On February 12, 2010, Nida inquired about borrowing $12,000 from The Chase Manhattan Bank (National Association) with Jesse, their in law from just outside Chittenango, and even with the co-signer, Nida was rejected for this private loan. With excellent credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Signature Loan acquired in Chittenango, New York for $24000 with excellent credit by Nida

A lot of borrowers have difficulty with finding signature loans in Chittenango, New York, and Nida is not an exception. Nida went to 4 lenders or more before finding State Bank of Chittenango, who offered Nida a signature loan for $24000. Most signature loans simply need a client, like Nida’s signature to get them, up to $32,000 in some cases. Nida was able to get $24000 as a private loan, which is very high for a private loan. Since signature loans do not require collateral, they generally require improved credit, as high as 778

Personal Loan for a foreign language interpreter named Nida in Chittenango, New York to Pay Off Thomasville Furniture Credit Card

Nida had a lot of credit card debt on their Bangor Savings Bank Secured Visa Card and their Zions Bank AmaZing Cash for Business, and they were starting to get in over their heads. Despite Nida’s job as a foreign language interpreter, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Nida for this private loan of $24000, provided by State Bank of Chittenango

Hello, I am Nida and I’m from Chittenango in New York. Madison, county is where I grew up, and now I need a private loan in New York for $24000 to buy a car. It has been difficult, but State Bank of Chittenango really came through for me with this loan for 10.8% interest APR and a term of 24 years. I will repay the loan over the 24 year term, including interest. A big thanks to State Bank of Chittenango for giving me a chance and my excellent credit. It look me 9 years to create my credit to 784, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.

Nida has a very low current gross income, but has a high number of prospects

Nida has always wanted to be a child care worker, but would have to attend Temple University again to achieve it. Nida has other prospects as well, including fishery worker supervisor, graduate teaching assistant, and video engineer, which pay $51,000 through to $93,000 per year, at least. For this reason, we believe that Nida can afford this private loan of $24000.

Nida’s Overall FICO score at the time of acceptance for a private loan, taking into account their foreign language interpreter job and their future job as a child care worker

Fico Score: 784

Client Profile: Nida Hardenburg of Chittenango, New York
  • Full name (Changed if requested): Nida Hardenburg
  • Current Credit: loans.hit.utils.Fico@2dda6444
  • Current City: Chittenango
  • State: New York
  • Zip code: 13046
  • Yearly income: $59,000
  • Current Job: foreign language interpreter
  • Current County: Madison
  • Goal Yearly Income: $98,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Previous requests on Nida’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$66110.00 9 11.6% $988.98 Bankers Trust Company of Albany, National Association May 12, 2010
$65830.00 6 6.2% $1097.22 Montgomery County Trust Company September 2, 2011
$66100.00 6 11.5% $1275.15 Bank of Avoca June 26, 2012
$66350.00 3 6.8% $2042.63 The State Bank of Belmont December 9, 2013
$66470.00 10 8.3% $817.04 Fleet Bank of New York, National Association January 6, 2015

Before applying for this private loan, Nida had an Experian score of 799, which is excellent, so State Bank of Chittenango most likely cannot provide Nida a private loan

Experian Score: 799

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

Fast loans in Chittenango, New York aren’t actually that difficult to obtain, particularly if you have some gumption like Nida. Nida was able to find a fast loan for $24000 from The State Bank of Belmont and Long Island Trust Company, National Association, but declined both offers in favor of their private loan from State Bank of Chittenango. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. Much better if a borrower is in a pinch.

Installment loan for Nida, a graduate of Temple University and a foreign language interpreter working for over $74,000 per year

Nida, an alumnus at Temple University and a foreign language interpreter in Chittenango, New York wants a private loan to purchase a house. Nida has instead chosen to get an installment loan for $12,000 and is currently seeking lenders like Fleet Bank of New York, National Association to provide it.

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $25,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Nida needed a debt consolidation loan to pay for their existing private loan and their payday loan. Nida was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.8%.

Contact Details for State Bank of Chittenango, the provider of this private loan

  • State Bank of Chittenango
  • City: Chittenango
  • State: New York
  • Address: 519 Genesee Street
  • County: Madison
  • Zip code: 13037

Conclusion of Nida’s private loan

In the end, Nida was able to find a private loan for $24000 with an interest rate of 6.8% interest APR from State Bank of Chittenango in Chittenango, New York repayable over 24 years from now.

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.