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Fast Loan With Reasonable APR In Westchester County, New York

$69000 Fast Loan – Irvington New York, Credit Rating Of 394

  • Experian: 411 – This client had a terrible Experian score
  • Transunion: 379 – Octavia had a terrible credit rating with Transunion.
  • Equifax: Octavia’s Experian score was 394, which is a terrible credit score on the Experian system.

Multiple other requests for credit have been made by Octavia in the past, including one from Interamerican Bank of Miami in Irvington, New York before Octavia was accepted for the $69000 by Sunnyside Federal Savings and Loan Association of Irvington

Octavia made 8 previous tries to obtain a fast loan, 2 of which were with Interamerican Bank of Miami, a lender in Irvington, New York known to specialize in fast loans specifically. Before finding Sunnyside Federal Savings and Loan Association of Irvington, Octavia was concerned due to their inexperience and terrible credit score.

Octavia’s Overall FICO score at the time of acceptance for a fast loan, taking into account their fire inspector job and their future job as a sales representative

Fico Score: 394

Installment loan for Octavia, a graduate of Central State Massage Academy and a fire inspector working for over $66,000 per year

Octavia, an alumnus at Central State Massage Academy and a fire inspector in Irvington, New York needs a fast loan to purchase a house. Octavia has instead chosen to obtain an installment loan for $11,000 and is at present seeking lenders like Deutsche Bank Trust Company Americas to process their request.

Paraphrased and Standardized Quote from Octavia for this fast loan of $69000, provided by Sunnyside Federal Savings and Loan Association of Irvington

Hello, I am Octavia and I’m from Irvington in New York. Westchester, county is where I grew up, and now I need a fast loan in New York for $69000 to renovate my home. It wasn’t easy, but Sunnyside Federal Savings and Loan Association of Irvington really came through for me with this loan for 8.6% interest APR and a term of 23 years. I will repay the loan over the 23 year term, including interest. A big thanks to Sunnyside Federal Savings and Loan Association of Irvington for trusting me and my terrible credit. It look me 6 years to build my credit to 394, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

8 Months in the Past, Octavia Tried to Find a High Risk Loan for $41,000.00, and it was Hard

It is an ongoing struggle for clients to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Octavia. Octavia chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Clients with credit scores as low as 522 can apply for a high risk loan and possibly can be accepted.

Contact Details for Sunnyside Federal Savings and Loan Association of Irvington, the provider of this fast loan

  • Sunnyside Federal Savings and Loan Association of Irvington
  • City: Irvington
  • State: New York
  • Address: 56 Main St
  • County: Westchester
  • Zip code: 10533

When Octavia was 20, they tried to obtain a student loan from 7 different lenders, which harmed their credit score. Below is a list of Octavia’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on September 17, 2009
  • Attempt 2) Loan for $20,000.00 on August 5, 2012
  • Attempt 3) Loan for $29,000.00 on January 17, 2014
  • Attempt 4) Loan for $30,000.00 on January 19, 2013
  • Attempt 5) Loan for $37,000.00 on September 8, 2009
  • Attempt 6) Loan for $33,000.00 on September 7, 2011
  • Attempt 7) Loan for $29,000.00 on October 6, 2010

Personal Loan for a fire inspector named Octavia in Irvington, New York to Pay Off LUKOIL Platinum MasterCard

Octavia had a lot of credit card debt on their Pier 1 Imports Rewards Card and their WWF Visa Signature Card with WorldPoints Rewards, and they were starting to get in over their heads. Despite Octavia’s job as a fire inspector, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Octavia has a disappointing current total income, but has several of prospects

Octavia has always wanted to be a sales representative, but would have to attend Central State Massage Academy again to become one. Octavia has other possibilities as well, including instrument technician, kindergarten teacher, and catering administrator, which pay $52,000 through to $95,000 per year, at least. Because of this, we think that Octavia can afford this fast loan of $69000.

Octavia was rejected by The Cohocton State Bank 7 times prior to being granted funding by Sunnyside Federal Savings and Loan Association of Irvington at 56 Main St

On June 15, 2009, Octavia applied about borrowing $24,000 from United States Trust Company of New York with Edra, their friend from just outside Irvington, and even with the co-signer, Octavia was rejected for this fast loan. With terrible credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Previous requests on Octavia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$126130.00 4 8.8% $3126.79 Bankers Trust Company of Albany, National Association September 8, 2011
$125540.00 9 6.5% $1538.43 Montgomery County Trust Company March 30, 2013
$125630.00 8 5.1% $1596.45 Bank of Avoca December 25, 2013
$126200.00 5 7.4% $2522.8 The State Bank of Belmont November 26, 2014
Client Profile: Octavia Knupke of Irvington, New York
  • Full name (Changed if requested): Octavia Knupke
  • Current Credit: loans.hit.utils.Fico@27f8302d
  • Current City: Irvington
  • State: New York
  • Zip code: 10539
  • Yearly income: $47,000
  • Current Job: fire inspector
  • Current County: Westchester
  • Goal Yearly Income: $149,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Signature Loan easily acquired in Irvington, New York for $69000 with terrible credit by Octavia

A lot of borrowers struggle with obtaining signature loans in Irvington, New York, and Octavia is no different. Octavia went to 8 lending institutions or more before settling on Sunnyside Federal Savings and Loan Association of Irvington, who offered Octavia a signature loan for $69000. Typical signature loans simply need a client, like Octavia’s signature to obtain them, up to $27,000 in some cases. Octavia was able to get $69000 as a fast loan, which is very high for a fast loan. Since signature loans don’t require a cosigner, these loans generally need better credit, as high as 771

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $22,000.00 to $44,000.00. They are typically used to pay off existing high interest loans like credit cards. Octavia required a debt consolidation loan to pay for their existing fast loan and their payday loan. Octavia was able to find a fast loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 2.6%.

Octavia’s Transunion score was altered by the fast loan loan, changing to 379 from 394, which is typical in our experience.

Transunion Score: 379

Before applying for this fast loan, Octavia had an Experian score of 411, which is terrible, so Sunnyside Federal Savings and Loan Association of Irvington most likely cannot provide Octavia a fast loan

Experian Score: 411

Fast Loans for Octavia in Irvington, New York to prevent bankruptcy or harm from debt collectors.

Fast loans in Irvington, New York aren’t actually that difficult to obtain, particularly if you have some finesse like Octavia. Octavia was able to find a fast loan for $69000 from Partners Trust Municipal Bank and Manufacturers and Traders Trust Company, but turned down both offers in favor of their fast loan from Sunnyside Federal Savings and Loan Association of Irvington. 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 5 weeks for personal loans. A big difference in the case that a borrower is in a time sensitive situation.

Conclusion of Octavia’s fast loan

In the end, Octavia was able to find a fast loan for $69000 with an interest rate of 8.1% interest APR from Sunnyside Federal Savings and Loan Association of Irvington in Irvington, New York repayable over 23 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.