$44000 No Collateral Loan – Winnetka Illinois, Credit Rating Of 621
- Experian: 631 – The client had a good Experian rating
- Transunion: 607 – Lisbeth had a good credit score with Transunion.
- Equifax: Lisbeth’s Experian score was 621, which is a good credit score on the Experian system.
Previous requests on Lisbeth’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$88460.00||4||7.5%||$2138.87||The Gerber State Bank||November 2, 2009|
|$87810.00||5||8.8%||$1814.28||The Belvidere National Bank and Trust Company||April 5, 2011|
|$88350.00||6||10.1%||$1641.22||Commerce Bank||September 10, 2011|
|$87650.00||3||8.7%||$2775.02||Byron Bank||December 5, 2012|
|$87660.00||5||8.7%||$1806.94||Amalgamated Bank of Chicago||January 23, 2014|
Lisbeth’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their aquarium curator job and their future career as a dairy technologist
Personal Loan for an aquarium curator named Lisbeth in Winnetka, Illinois to Pay Off Arvest Premier Visa Purchasing Card
Lisbeth had a lot of credit card debt on their First Niagara Bank Business MasterCard and their RBC Visa Classic Low Rate, and they were starting to get in over their heads. Despite Lisbeth’s job as an aquarium curator, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans vary from $33,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Lisbeth required a debt consolidation loan to pay for their existing no collateral loan and their credit card. Lisbeth was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.4%.
Fast Loans for Lisbeth in Winnetka, Illinois to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Winnetka, Illinois aren’t actually that difficult to obtain, particularly if you have some finesse like Lisbeth. Lisbeth was able to find a fast loan for $44000 from Commerce Bank of Woodford County, National Association and Upper Avenue Bank, but turned down both offers in favor of their no collateral loan from Winnetka Savings and Loan Association. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big difference if you are in a pinch.
Contact Details for Winnetka Savings and Loan Association, the provider of this no collateral loan
- Winnetka Savings and Loan Association
- City: Winnetka
- State: Illinois
- Address: 814 Elm Street
- County: Cook
- Zip code: 60093
When Lisbeth was 22, they tried to obtain a student loan from 6 alternate banks, which harmed their credit score. Below is a chronology of Lisbeth’s previous attempts at finding a student loan:
- Attempt 1) Loan for $27,000.00 on October 5, 2011
- Attempt 2) Loan for $25,000.00 on December 15, 2008
- Attempt 3) Loan for $38,000.00 on September 4, 2011
- Attempt 4) Loan for $39,000.00 on December 4, 2011
- Attempt 5) Loan for $30,000.00 on October 1, 2012
- Attempt 6) Loan for $28,000.00 on June 19, 2010
Lisbeth has a sad current gross income, but has several of prospects
Lisbeth has always wanted to be a dairy technologist, but would have to attend Stephen F Austin State University again to achieve it. Lisbeth has other possibilities as well, including quality control engineer, health care facilities inspector, and electrical and electronic inspector, which pay $50,000 through to $105,000 per year, on average. For this reason, we think that Lisbeth can pay for this no collateral loan of $44000.
Signature Loan easily acquired in Winnetka, Illinois for $44000 with good credit by Lisbeth
Many prospective borrowers struggle with finding signature loans in Winnetka, Illinois, and Lisbeth is no different. Lisbeth went to 6 lending institutions or more before settling on Winnetka Savings and Loan Association, who offered Lisbeth a signature loan for $44000. Typical signature loans simply require a client, like Lisbeth’s signature to obtain them, up to $35,000 in some cases. Lisbeth was able to get $44000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans do not need collateral, they tend to require better credit, as high as 704
8 Months in the Past, Lisbeth Tried Finding a High Risk Loan for $43,000.00, and it was Hard
It is an well known struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Lisbeth. Lisbeth decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Borrowers with credit scores as low as 310 can apply for a high risk loan and may be be accepted.
Lisbeth was rejected by Lake Shore National Bank 5 times prior to being granted funding by Winnetka Savings and Loan Association at 814 Elm Street
On July 24, 2009, Lisbeth inquired about borrowing $18,000 from Commerce Bank of Woodford County, National Association with Judith, their friend from just outside Winnetka, and even with the co-signer, Lisbeth was rejected for this no collateral loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.
Before applying for this no collateral loan, Lisbeth had an Experian score of 631, which is good, so Winnetka Savings and Loan Association likely cannot provide Lisbeth a no collateral loan
Many past requests for credit have been made by Lisbeth in the past, including one from Firstar Bank Wausau, National Association in Winnetka, Illinois before Lisbeth was approved for the $44000 by Winnetka Savings and Loan Association
Lisbeth made 4 previous attempts to obtain a no collateral loan, 2 of which were with Firstar Bank Wausau, National Association, a lending institution in Winnetka, Illinois known to specialize in no collateral loans specifically. Before finding Winnetka Savings and Loan Association, Lisbeth was desperate due to their inexperience and good credit rating.
- Full name (Changed if requested): Lisbeth Lochridge
- Current Credit: loans.hit.utils.Fico@b1bc7ed
- Current City: Winnetka
- State: Illinois
- Zip code: 60101
- Yearly income: $35,000
- Current Job: aquarium curator
- Current County: Cook
- Goal Yearly Income: $87,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Paraphrased and Standardized Quote from Lisbeth for this no collateral loan of $44000, provided by Winnetka Savings and Loan Association
Hello, I am Lisbeth and my hometown is Winnetka in Illinois. Cook, county is where I grew up, and now I need a no collateral loan in Illinois for $44000 to renovate my home. It wasn’t easy, but Winnetka Savings and Loan Association really came through for me with this loan for 11.0% interest APR and a term of 2 years. I can probably repay the loan over the 2 year term, including interest. A big thanks to Winnetka Savings and Loan Association for trusting me and my good credit. It look me 8 years to build my credit to 621, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.
Installment loan for Lisbeth, a graduate of Stephen F Austin State University and an aquarium curator working for over $75,000 per year
Lisbeth, an alumnus at Stephen F Austin State University and an aquarium curator in Winnetka, Illinois needs a no collateral loan to purchase a car. Lisbeth has instead chosen to obtain an installment loan for $27,000 and is currently seeking lenders like The National Republic Bank of Chicago to process their request.
Lisbeth’s Transunion score was changed by the no collateral loan loan, changing to 607 from 621, which is normal in our experience.
Conclusion of Lisbeth’s no collateral loan
In the end, Lisbeth was able to find a no collateral loan for $44000 with an interest rate of 9.5% interest APR from Winnetka Savings and Loan Association in Winnetka, Illinois repayable over 2 years from today.