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24 Year, Fixed Interest No Collateral Loan For Thea In Connecticut

$90000 No Collateral Loan – Darien Connecticut, Credit Rating Of 333

  • Experian: 349 – The client had a terrible Experian score
  • Transunion: 317 – Thea had a terrible credit rating with Transunion.
  • Equifax: Thea’s Experian score was 333, which is a terrible credit score using the Experian rating scheme.

Several past requests for credit have been made by Thea in the past, including one from First Interstate Bank of Wisconsin in Darien, Connecticut before Thea was accepted for the $90000 by Darien Rowayton Bank

Thea made 8 previous attempts to obtain a no collateral loan, 2 of which were with First Interstate Bank of Wisconsin, a lending institution in Darien, Connecticut known to specialize in no collateral loans specifically. Prior to finding Darien Rowayton Bank, Thea was concerned due to their inexperience and terrible credit score.

Signature Loan found in Darien, Connecticut for $90000 with terrible credit by Thea

A lot of prospective borrowers have difficulty with finding signature loans in Darien, Connecticut, and Thea is no different. Thea went to 4 lending institutions or more prior to finding Darien Rowayton Bank, who offered Thea a signature loan for $90000. Typical signature loans simply require a client, like Thea’s signature to obtain them, up to $34,000 in some cases. Thea was able to get $90000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans do not need a cosigner, they tend to need higher credit, as high as 731

Contact Details for Darien Rowayton Bank, the provider of this no collateral loan

  • Darien Rowayton Bank
  • City: Darien
  • State: Connecticut
  • Address: 1001 Post Rd
  • County: Fairfield
  • Zip code: 6820

Installment loan for Thea, a graduate of Stevens Institute of Technology and a customer service supervisor working for over $79,000 per year

Thea, an alumnus at Stevens Institute of Technology and a customer service supervisor in Darien, Connecticut wants a no collateral loan to purchase a new cell phone. Thea has instead decided to obtain an installment loan for $15,000 and is at present seeking lenders like The National Iron Bank to provide it.

Thea has a very low current yearly income, but has a high number of prospects

Thea has always wanted to be a solar energy systems designer, but would have to attend Stevens Institute of Technology again to achieve it. Thea has other possibilities as well, including athletic trainer, delivery driver, and compensation administrator, which pay $53,000 through to $109,000 per year, at least. Because of this, we believe that Thea can afford this no collateral loan of $90000.

Paraphrased and Standardized Quote from Thea for this no collateral loan of $90000, provided by Darien Rowayton Bank

Hi, I am Thea and I’m from Darien in Connecticut. Fairfield, county is where I grew up, and now I need a no collateral loan in Connecticut for $90000 to pay bills. It wasn’t easy, but Darien Rowayton Bank really came through for me with this loan for 9.4% interest APR and a term of 24 years. I can probably repay the loan over the 24 year term, including interest. A big thanks to Darien Rowayton Bank for trusting me and my terrible credit. It look me 7 years to create my credit to 333, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

When Thea was 22, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit score. Below is a list of Thea’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on August 13, 2009
  • Attempt 2) Loan for $25,000.00 on August 16, 2010
  • Attempt 3) Loan for $27,000.00 on May 24, 2010
  • Attempt 4) Loan for $23,000.00 on December 19, 2011
  • Attempt 5) Loan for $25,000.00 on October 12, 2009
  • Attempt 6) Loan for $36,000.00 on January 1, 2009
  • Attempt 7) Loan for $29,000.00 on January 27, 2014

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $24,000.00 to $50,000.00. They are normally used to pay off existing high interest loans like credit cards. Thea required a debt consolidation loan to pay for their existing no collateral loan and their credit card. Thea 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 converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.8%.

7 Months Ago, Thea Attempted to Find a High Risk Loan for $35,000.00, and it was Hard

It is an well known struggle for clients to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Thea. Thea chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Clients with credit ratings as low as 341 can apply for a high risk loan and have a chance to be approved.

Previous requests on Thea’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$34850.00 4 8.5% $858.99 Colonial Bank of Waterbury October 13, 2008
$34660.00 7 5.4% $496.42 The Canaan National Bank March 4, 2011
$35250.00 6 10.7% $665.55 The Clinton National Bank January 16, 2012
$35340.00 11 8.3% $409.15 Deep River Bank and Trust Company October 9, 2012

Before applying for this no collateral loan, Thea had an Experian score of 349, which is terrible, so Darien Rowayton Bank most likely cannot provide Thea a no collateral loan

Experian Score: 349

Thea’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their customer service supervisor job and their future career as a solar energy systems designer

Fico Score: 333

Thea was declined by The Guaranty Bank and Trust Company 6 times prior to being accepted by Darien Rowayton Bank at 1001 Post Rd

On November 21, 2011, Thea applied about borrowing $37,000 from The Seymour Trust Company with Marty, their in law from just outside Darien, and even with the co-signer, Thea was rejected for this no collateral loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Client Profile: Thea Bertels of Darien, Connecticut
  • Full name (Changed if requested): Thea Bertels
  • Current Credit: loans.hit.utils.Fico@77556fd
  • Current City: Darien
  • State: Connecticut
  • Zip code: 6823
  • Yearly income: $66,000
  • Current Job: customer service supervisor
  • Current County: Fairfield
  • Goal Yearly Income: $112,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Thea’s Transunion score was changed by the no collateral loan loan, changing to 317 from 333, which is normal in our experience.

Transunion Score: 317

Fast Loans for Thea in Darien, Connecticut to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Darien, Connecticut aren’t actually that difficult to obtain, particularly if you have some gumption like Thea. Thea was able to find a fast loan for $90000 from The Citizens National Bank and The National Bank of New England of East Haddam, but declined both offers in favor of their no collateral loan from Darien Rowayton Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference in the case that a client is in a time sensitive situation.

Personal Loan for a customer service supervisor named Thea in Darien, Connecticut to Pay Off Gconomy Visa Card

Thea had a tonne of credit card debt on their Steuben Trust Secured Visa Card and their Jeff Bank College Rewards Visa Card, and they were starting to get in over their heads. Despite Thea’s job as a customer service supervisor, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Conclusion of Thea’s no collateral loan

In the end, Thea was able to find a no collateral loan for $90000 with an interest rate of 6.5% interest APR from Darien Rowayton Bank in Darien, Connecticut repayable over 24 years from today.

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.