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Personal Loan For $72000 Near 11556, New York With A Credit Score Of 351

$72000 Personal Loan – Uniondale New York, Credit Rating Of 351

  • Experian: 365 – This client had a terrible Experian rating
  • Transunion: 333 – Lacey had a terrible credit score with Transunion.
  • Equifax: Lacey’s Experian score was 351, which is a terrible credit rating using the Experian rating scheme.
Client Profile: Lacey Selvaggi of Uniondale, New York
  • Full name (Changed if requested): Lacey Selvaggi
  • Current Credit: loans.hit.utils.Fico@4b9af9a9
  • Current City: Uniondale
  • State: New York
  • Zip code: 11562
  • Yearly income: $51,000
  • Current Job: electronics technician
  • Current County: Queens
  • Goal Yearly Income: $97,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

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

  • Attempt 1) Loan for $20,000.00 on October 24, 2008
  • Attempt 2) Loan for $38,000.00 on November 29, 2013
  • Attempt 3) Loan for $22,000.00 on September 12, 2012
  • Attempt 4) Loan for $32,000.00 on January 7, 2011
  • Attempt 5) Loan for $24,000.00 on November 18, 2009
  • Attempt 6) Loan for $26,000.00 on July 16, 2010

Paraphrased and Standardized Quote from Lacey for this personal loan of $72000, provided by Flushing Bank

Hello, I am Lacey and I am from Uniondale in New York. Queens, county is where I grew up, and now I need a personal loan in New York for $72000 to pay bills. It wasn’t easy, but Flushing Bank really came through for me with this loan for 11.8% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Flushing Bank for giving me a chance and my terrible credit. It look me 5 years to build my credit to 351, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Before applying for this personal loan, Lacey had an Experian score of 365, which is terrible, so Flushing Bank probably can provide Lacey a personal loan

Experian Score: 365

Lacey’s Transunion score was changed by the personal loan loan, changing to 333 from 351, which is normal in our experience.

Transunion Score: 333

Signature Loan easily acquired in Uniondale, New York for $72000 with terrible credit by Lacey

A lot of borrowers have difficulty with obtaining signature loans in Uniondale, New York, and Lacey is the same. Lacey went to 5 lenders or more prior to settling on Flushing Bank, who offered Lacey a signature loan for $72000. Typical signature loans simply need a client, like Lacey’s signature to get them, up to $36,000 in some cases. Lacey was able to get $72000 as a personal loan, which is very high for a personal loan. Because signature loans do not require collateral, these loans generally need better credit, as high as 760

Previous requests on Lacey’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$28490.00 8 11.1% $449.07 Bankers Trust Company of Albany, National Association July 14, 2009
$27630.00 5 7.6% $554.96 Montgomery County Trust Company November 20, 2013
$28330.00 4 5.1% $653.7 Bank of Avoca February 19, 2014
$28430.00 5 5.3% $540.43 The State Bank of Belmont March 17, 2015
$28430.00 4 9.7% $716.97 Fleet Bank of New York, National Association March 27, 2015

Lacey has a disappointing current yearly income, but has a high number of prospects

Lacey has always wanted to be a general internists, but would have to attend Northwestern Memorial Hospital Dental General Practice Residency 12 Months again to achieve it. Lacey has other prospects as well, including mining shovel machine operator, exercise physiologist, and dental / orthodontic office administrator, which pay $50,000 through to $96,000 per year, at least. Because of this, we think that Lacey can afford this personal loan of $72000.

Fast Loans for Lacey in Uniondale, New York to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Uniondale, New York aren’t actually that difficult to obtain, especially if you have some finesse like Lacey. Lacey was able to find a fast loan for $72000 from Tompkins Trust Company and The Cohocton State Bank, but declined both offers in favor of their personal loan from Flushing Bank. The difference 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. An improvement in the case that a borrower is on the go.

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

Normal debt consolidation loans vary from $34,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Lacey required a debt consolidation loan to pay for their existing personal loan and their payday loan. Lacey was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.5%.

Personal Loan for an electronics technician named Lacey in Uniondale, New York to Pay Off Bangor Savings Bank Visa Signature Bonus Rewards Card

Lacey had a lot of credit card debt on their Houston Astros BankAmericard Cash Rewards MasterCard and their Havertys Furniture Credit Card, and they were starting to get in over their heads. Despite Lacey’s job as an electronics technician, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Multiple other requests for credit have been made by Lacey in the past, including one from The Barber County Savings and Loan Association in Uniondale, New York before Lacey was approved for the $72000 by Flushing Bank

Lacey made 5 prior attempts to obtain a personal loan, 2 of which were with The Barber County Savings and Loan Association, a bank in Uniondale, New York known to specialize in personal loans specifically. Before finding Flushing Bank, Lacey was very concerned due to their inexperience and terrible credit rating.

Lacey’s Overall FICO score at the time of acceptance for a personal loan, taking into account their electronics technician job and their future career as a general internists

Fico Score: 351

7 Months Ago, Lacey Attempted to Find a High Risk Loan for $42,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Lacey. Lacey decided not to get a high risk loan this time. High Risk loans are given to bad credit clients. Clients with credit ratings as low as 375 can apply for a high risk loan and may be be accepted.

Installment loan for Lacey, a graduate of Northwestern Memorial Hospital Dental General Practice Residency 12 Months and an electronics technician working for over $64,000 per year

Lacey, an alumnus at Northwestern Memorial Hospital Dental General Practice Residency 12 Months and an electronics technician in Uniondale, New York wants a personal loan to purchase a car. Lacey has instead chosen to obtain an installment loan for $5,000 and is at present seeking lenders like Key Bank to process their request.

Lacey was rejected by Trade Bank and Trust Company 7 times before being approved by Flushing Bank at 260e Rxr Plaza

On March 27, 2009, Lacey applied about borrowing $10,000 from The Cohocton State Bank with Olen, their in law from just outside Uniondale, and even with the co-signer, Lacey was rejected for this personal loan. With terrible credit, it can be a challenge to procure funding, even with collateral and a co-signer.

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

  • Flushing Bank
  • City: Uniondale
  • State: New York
  • Address: 260e Rxr Plaza
  • County: Queens
  • Zip code: 11556

Conclusion of Lacey’s personal loan

In the end, Lacey was able to find a personal loan for $72000 with an interest rate of 8.4% interest APR from Flushing Bank in Uniondale, New York repayable over 14 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.