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Personal Loan For $78000 Near 70130, Louisiana With A Credit Score Of 812

$78000 Personal Loan – New Orleans Louisiana, Credit Score Of 812

  • Experian: 825 – This client had an excellent Experian rating
  • Transunion: 800 – Cicely had an excellent credit rating with Transunion.
  • Equifax: Cicely’s Experian score was 812, which is an excellent credit rating on the Experian system.

Paraphrased and Standardized Quote from Cicely for this personal loan of $78000, provided by Hibernia Bank

Hi, I am Cicely and I am from New Orleans in Louisiana. Orleans, county is where I grew up, and now I need a personal loan in Louisiana for $78000 to buy a car. It has been difficult, but Hibernia Bank really came through for me with this loan for 10.7% interest APR and a term of 23 years. I will repay the loan over the 23 year term, including interest. A big thanks to Hibernia Bank for giving me a chance and my excellent credit. It look me 6 years to create my credit to 812, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Cicely was not approved by The First National Bank of Lake Charles 5 times prior to being accepted by Hibernia Bank at 325 Carondelet Street

On January 22, 2009, Cicely applied about borrowing $22,000 from Alerion Bank with Maisha, their friend from just outside New Orleans, and even with the co-signer, Cicely was rejected for this personal loan. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.

Signature Loan found in New Orleans, Louisiana for $78000 with excellent credit by Cicely

Many clients struggle with obtaining signature loans in New Orleans, Louisiana, and Cicely is not an exception. Cicely went to 4 lending institutions or more prior to finding Hibernia Bank, who offered Cicely a signature loan for $78000. Most signature loans simply need a client, like Cicely’s signature to obtain them, up to $33,000 in some cases. Cicely was able to get $78000 as a personal loan, which is very high for a personal loan. Because signature loans don’t need collateral, they tend to need better credit, as high as 715

Cicely’s Transunion score was changed by the personal loan loan, changing to 800 from 812, which is typical in our experience.

Transunion Score: 800

When Cicely was 24, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit rating. Below is a list of Cicely’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on January 23, 2010
  • Attempt 2) Loan for $29,000.00 on January 31, 2009
  • Attempt 3) Loan for $23,000.00 on December 10, 2009
  • Attempt 4) Loan for $26,000.00 on August 1, 2009

Previous requests on Cicely’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$63890.00 9 7.7% $821.86 Bank of Zachary September 6, 2010
$63600.00 6 11.4% $1223.64 Landmark Bank July 20, 2011
$64230.00 4 7.5% $1553.01 Bank of Gonzales August 25, 2013
$63550.00 6 8.2% $1120.45 The Highlands Bank August 3, 2014
$64270.00 8 8.5% $924.98 Bank of Grand Cane December 15, 2014

6 Months Ago, Cicely Tried Finding a High Risk Loan for $25,000.00, and it was Hard

There is an ongoing struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Cicely. Cicely 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. Individuals with credit ratings as low as 308 can apply for a high risk loan and may be be accepted.

Installment loan for Cicely, a graduate of Hair Design Institute at Fifth Avenue and a prosthetic technician working for over $68,000 per year

Cicely, an alumnus at Hair Design Institute at Fifth Avenue and a prosthetic technician in New Orleans, Louisiana wants a personal loan to purchase something frivolous. Cicely has instead chosen to get an installment loan for $21,000 and is currently seeking lenders like The Mer Rouge State Bank to process their request.

Before applying for this personal loan, Cicely had an Experian score of 825, which is excellent, so Hibernia Bank most likely cannot provide Cicely a personal loan

Experian Score: 825

Fast Loans for Cicely in New Orleans, Louisiana to prevent bankruptcy or harm from debt collectors.

Fast loans in New Orleans, Louisiana aren’t actually that difficult to obtain, especially if you have some finesse like Cicely. Cicely was able to find a fast loan for $78000 from The First National Bank of Abbeville and City National Bank of Baton Rouge, but declined both offers in favor of their personal loan from Hibernia Bank. 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 5 weeks for personal loans. A big improvement in the case that you are on the go.

Client Profile: Cicely Wagatsuma of New Orleans, Louisiana
  • Full name (Changed if requested): Cicely Wagatsuma
  • Current Credit: loans.hit.utils.Fico@1a93a7ca
  • Current City: New Orleans
  • State: Louisiana
  • Zip code: 70133
  • Yearly income: $49,000
  • Current Job: prosthetic technician
  • Current County: Orleans
  • Goal Yearly Income: $127,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Cicely has a low current yearly income, but has several of prospects

Cicely has always wanted to be an employment interviewer, but would need attend Hair Design Institute at Fifth Avenue again to achieve it. Cicely has other prospects as well, including insurance adjuster, student affairs administrator, and personnel assistant, which pay $50,000 through to $100,000 per year, at least. For this reason, we believe that Cicely can pay for this personal loan of $78000.

Multiple other requests for credit have been made by Cicely in the past, including one from Fidelity Federal Savings and Loan Association in New Orleans, Louisiana before Cicely was approved for the $78000 by Hibernia Bank

Cicely made 9 previous tries to obtain a personal loan, 2 of which were with Fidelity Federal Savings and Loan Association, a lender in New Orleans, Louisiana known to specialize in personal loans specifically. Prior to finding Hibernia Bank, Cicely was very concerned due to their inexperience and excellent credit rating.

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $24,000.00 to $47,000.00. They are normally used to pay off existing high interest loans like credit cards. Cicely needed a debt consolidation loan to pay for their existing personal loan and their credit card. Cicely was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.0%.

Personal Loan for a prosthetic technician named Cicely in New Orleans, Louisiana to Pay Off Chevron and Texaco Visa Card

Cicely had a tonne of credit card debt on their Bank of Akron MasterCard and their Cache Visa Card, and they were starting to get in over their heads. Despite Cicely’s job as a prosthetic technician, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for Hibernia Bank, the provider of this personal loan

  • Hibernia Bank
  • City: New Orleans
  • State: Louisiana
  • Address: 325 Carondelet Street
  • County: Orleans
  • Zip code: 70130

Cicely’s Overall FICO score at the time of acceptance for a personal loan, taking into account their prosthetic technician job and their future career as an employment interviewer

Fico Score: 812

Conclusion of Cicely’s personal loan

In the end, Cicely was able to find a personal loan for $78000 with an interest rate of 5.2% interest APR from Hibernia Bank in New Orleans, Louisiana 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.