Do you have over $10,000 in Debt? Get Help now.

Personal Loan With Very Low APR In Hudson County, New Jersey

$24000 Personal Loan – Bayonne New Jersey, Credit Rating Of 429

  • Experian: 442 – This individual had a bad Experian score
  • Transunion: 415 – Gayle had a bad credit score with Transunion.
  • Equifax: Gayle’s Experian score was 429, which is a bad credit score on the Experian system.

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $21,000.00 to $49,000.00. They are mainly used to pay off existing high interest loans like credit cards. Gayle required a debt consolidation loan to pay for their existing personal loan and their credit card. Gayle was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.5%.

Client Profile: Gayle Masiejczyk of Bayonne, New Jersey
  • Full name (Changed if requested): Gayle Masiejczyk
  • Current Credit: loans.hit.utils.Fico@5ce65a89
  • Current City: Bayonne
  • State: New Jersey
  • Zip code: 7006
  • Yearly income: $60,000
  • Current Job: cook
  • Current County: Hudson
  • Goal Yearly Income: $95,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Personal Loan for a cook named Gayle in Bayonne, New Jersey to Pay Off American Savings Bank Business Edition Visa Card

Gayle had a tonne of credit card debt on their Jeff Bank Visa Platinum Card and their National Penn Bank Credit Cards, and they were starting to get in over their heads. Despite Gayle’s job as a cook, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Gayle’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$124190.00 7 6.1% $1820.2 The State Bank of North Jersey March 1, 2013
$123620.00 9 11.7% $1856.22 Carteret Bank and Trust Company March 7, 2013
$124350.00 10 11.5% $1748.3 United Jersey Bank/Northwest March 12, 2014
$123540.00 3 7.7% $3854.22 People’s Trust Company October 19, 2014
$123580.00 4 7.5% $2988.03 United Jersey Bank/Central March 20, 2015

7 Months Ago, Gayle Tried to Find a High Risk Loan for $40,000.00, and it was Easy

There is an existing struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Gayle. Gayle chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Borrowers with credit scores as low as 319 can inquire for a high risk loan and have a chance to be approved.

When Gayle was 23, they tried to obtain a student loan from 6 alternate banks, which harmed their credit score. Below is a list of Gayle’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on May 25, 2010
  • Attempt 2) Loan for $29,000.00 on July 26, 2012
  • Attempt 3) Loan for $28,000.00 on December 7, 2011
  • Attempt 4) Loan for $27,000.00 on October 31, 2010
  • Attempt 5) Loan for $36,000.00 on December 25, 2008
  • Attempt 6) Loan for $28,000.00 on September 26, 2009

Paraphrased and Standardized Quote from Gayle for this personal loan of $24000, provided by First Savings Bank of New Jersey SLA

Hello, I am Gayle and I’m from Bayonne in New Jersey. Hudson, county is where I grew up, and now I need a personal loan in New Jersey for $24000 to renovate my home. It wasn’t easy, but First Savings Bank of New Jersey SLA really came through for me with this loan for 5.1% interest APR and a term of 16 years. I can repay the loan over the 16 year term, including interest. A big thanks to First Savings Bank of New Jersey SLA for giving me a chance and my bad credit. It look me 7 years to build my credit to 429, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

Fast Loans for Gayle in Bayonne, New Jersey to prevent bankruptcy or harm from debt collectors.

Fast loans in Bayonne, New Jersey aren’t actually that difficult to obtain, especially if you have some finesse like Gayle. Gayle was able to find a fast loan for $24000 from Fort Lee Trust Company and The State Bank of North Jersey, but declined both offers in favor of their personal loan from First Savings Bank of New Jersey SLA. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement if a client is in a time sensitive situation.

Installment loan for Gayle, a graduate of Silver Lake College and a cook working for over $77,000 per year

Gayle, an alumnus at Silver Lake College and a cook in Bayonne, New Jersey wants a personal loan to purchase a house. Gayle has instead chosen to obtain an installment loan for $25,000 and is currently seeking lenders like Summit Bank to process their request.

Gayle’s Transunion score was changed by the personal loan loan, changing to 415 from 429, which is normal in our experience.

Transunion Score: 415

Gayle’s Overall FICO score at the time of acceptance for a personal loan, taking into account their cook job and their future career as a purchasing manager

Fico Score: 429

Multiple previous requests for credit have been made by Gayle in the past, including one from Northern Trust Bank of Texas National Association in Bayonne, New Jersey before Gayle was approved for the $24000 by First Savings Bank of New Jersey SLA

Gayle made 9 previous tries to obtain a personal loan, 2 of which were with Northern Trust Bank of Texas National Association, a bank in Bayonne, New Jersey known to specialize in personal loans specifically. Prior to finding First Savings Bank of New Jersey SLA, Gayle was concerned due to their inexperience and bad credit score.

Before applying for this personal loan, Gayle had an Experian score of 442, which is bad, so First Savings Bank of New Jersey SLA most likely cannot provide Gayle a personal loan

Experian Score: 442

Gayle was not approved by Carteret Bank and Trust Company 4 times prior to being accepted by First Savings Bank of New Jersey SLA at 568 Broadway

On December 29, 2009, Gayle applied about borrowing $29,000 from Summit Bank with Chuck, their in law from just outside Bayonne, and even with the co-signer, Gayle was rejected for this personal loan. With bad credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Signature Loan easily acquired in Bayonne, New Jersey for $24000 with bad credit by Gayle

A lot of borrowers have difficulty with finding signature loans in Bayonne, New Jersey, and Gayle is no different. Gayle went to 5 lending institutions or more before settling on First Savings Bank of New Jersey SLA, who offered Gayle a signature loan for $24000. Typical signature loans simply require a client, like Gayle’s signature to obtain them, up to $33,000 in some cases. Gayle was able to get $24000 as a personal loan, which is very high for a personal loan. Since signature loans don’t need a cosigner, these loans generally require improved credit, as high as 765

Gayle has a sad current yearly income, but has a high number of prospects

Gayle has always wanted to be a purchasing manager, but would have to attend Silver Lake College again to become one. Gayle has other prospects as well, including kindergarten teacher, export agent, and patent lawyer, which pay $51,000 through to $104,000 per year, on average. For this reason, we believe that Gayle can afford this personal loan of $24000.

Contact Details for First Savings Bank of New Jersey SLA, the provider of this personal loan

  • First Savings Bank of New Jersey SLA
  • City: Bayonne
  • State: New Jersey
  • Address: 568 Broadway
  • County: Hudson
  • Zip code: 7002

Conclusion of Gayle’s personal loan

In the end, Gayle was able to find a personal loan for $24000 with an interest rate of 6.7% interest APR from First Savings Bank of New Jersey SLA in Bayonne, New Jersey repayable over 16 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.

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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.