$33000 Unsecured Loan – New Orleans Louisiana, Credit Rating Of 651
- Experian: 668 – The client had a good Experian rating
- Transunion: 633 – Kallie had a good credit rating with Transunion.
- Equifax: Kallie’s Experian score was 651, which is a good credit rating on the Experian system.
Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans range from $24,000.00 to $58,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kallie required a debt consolidation loan to pay for their existing unsecured loan and their credit card. Kallie was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.6%.
Fast Loans for Kallie 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, particularly if you have some gumption like Kallie. Kallie was able to find a fast loan for $33000 from American Gateway Bank and Louisiana National Bank of Baton Rouge, but declined both offers in favor of their unsecured loan from Citizens Homestead FSA. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference if a borrower is in a time sensitive situation.
Installment loan for Kallie, a graduate of LaGuardia Community College of the City University of New York and an interior designer working for over $73,000 per year
Kallie, an alumnus at LaGuardia Community College of the City University of New York and an interior designer in New Orleans, Louisiana wants an unsecured loan to purchase a new cell phone. Kallie has instead decided to obtain an installment loan for $10,000 and is currently seeking lenders like Citizens Bank & Trust Company to process their request.
Signature Loan acquired in New Orleans, Louisiana for $33000 with good credit by Kallie
Many clients struggle with finding signature loans in New Orleans, Louisiana, and Kallie is the same. Kallie went to 4 lenders or more prior to settling on Citizens Homestead FSA, who offered Kallie a signature loan for $33000. Most signature loans simply need a client, like Kallie’s signature to get them, up to $30,000 in some cases. Kallie was able to get $33000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t require collateral, these loans tend to require better credit, as high as 737
Kallie was declined by Washington Bank and Trust Company 4 times before being accepted by Citizens Homestead FSA at 325 Carondelet Street
On July 25, 2012, Kallie inquired about borrowing $12,000 from Alerion Bank with Lamar, their in law from just outside New Orleans, and even with the co-signer, Kallie was rejected for this unsecured loan. With good credit, it can be very hard to obtain financing, even with collateral and a co-signer.
- Full name (Changed if requested): Kallie Weible
- Current Credit: loans.hit.utils.Fico@13b6d03
- Current City: New Orleans
- State: Louisiana
- Zip code: 70139
- Yearly income: $66,000
- Current Job: interior designer
- Current County: Orleans
- Goal Yearly Income: $121,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Many past requests for credit have been made by Kallie in the past, including one from Winnetka Savings and Loan Association in New Orleans, Louisiana before Kallie was approved for the $33000 by Citizens Homestead FSA
Kallie made 7 prior attempts to obtain an unsecured loan, 2 of which were with Winnetka Savings and Loan Association, a lender in New Orleans, Louisiana known to specialize in unsecured loans specifically. Prior to finding Citizens Homestead FSA, Kallie was concerned due to their inexperience and good credit rating.
Personal Loan for an interior designer named Kallie in New Orleans, Louisiana to Pay Off BancorpSouth Student Visa
Kallie had a tonne of credit card debt on their Commerce Bank World Elite MasterCard and their Community First Bank MasterCardCommunity National Bank Credit Card, and they were starting to get in over their heads. Despite Kallie’s job as an interior designer, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Previous requests on Kallie’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$147790.00||11||11.7%||$1995.29||Bank of Zachary||March 6, 2014|
|$148140.00||5||7.6%||$2975.47||Landmark Bank||May 5, 2015|
|$148470.00||7||11.6%||$2589.25||Bank of Gonzales||June 18, 2015|
|$148410.00||7||8.3%||$2335.39||The Highlands Bank||September 2, 2015|
When Kallie was 19, they attempted to obtain a student loan from 4 alternate lenders, which damaged their credit rating. Below is a list of Kallie’s previous attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on June 8, 2011
- Attempt 2) Loan for $26,000.00 on February 6, 2009
- Attempt 3) Loan for $32,000.00 on April 3, 2010
- Attempt 4) Loan for $25,000.00 on August 1, 2011
Paraphrased and Standardized Quote from Kallie for this unsecured loan of $33000, provided by Citizens Homestead FSA
Hello, I am Kallie and I am from New Orleans in Louisiana. Orleans, county is where I grew up, and now I need a unsecured loan in Louisiana for $33000 to buy a car. It has been difficult, but Citizens Homestead FSA really came through for me with this loan for 5.2% interest APR and a term of 20 years. I can repay the loan over the 20 year term, including interest. A big thanks to Citizens Homestead FSA for trusting me and my good credit. It look me 5 years to create my credit to 651, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.
Kallie’s Transunion score was altered by the unsecured loan loan, changing to 633 from 651, which is typical in our experience.
Kallie has a low current yearly income, but has a large amount of prospects
Kallie has always wanted to be a plastic surgeon, but would have to attend LaGuardia Community College of the City University of New York again to achieve it. Kallie has other prospects as well, including pathologist, civil drafter, and medical technologist, which pay $52,000 through to $101,000 per year, on average. For this reason, we think that Kallie can pay for this unsecured loan of $33000.
Kallie’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their interior designer job and their future job as a plastic surgeon
Contact Details for Citizens Homestead FSA, the provider of this unsecured loan
- Citizens Homestead FSA
- City: New Orleans
- State: Louisiana
- Address: 325 Carondelet Street
- County: Orleans
- Zip code: 70130
7 Months in the Past, Kallie Tried Finding a High Risk Loan for $37,000.00, and it was Hard
There is an ongoing struggle for clients to find 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 Kallie. Kallie chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Individuals with credit scores as low as 323 can inquire for a high risk loan and have a chance to be accepted.
Before applying for this unsecured loan, Kallie had an Experian score of 668, which is good, so Citizens Homestead FSA probably cannot provide Kallie an unsecured loan
Conclusion of Kallie’s unsecured loan
In the end, Kallie was able to find an unsecured loan for $33000 with an interest rate of 5.5% interest APR from Citizens Homestead FSA in New Orleans, Louisiana repayable over 20 years from now.