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9 Month, Fixed Interest Unsecured Loan For Fae In North Dakota

$51000 Unsecured Loan – Crosby North Dakota, Credit Rating Of 507

  • Experian: 524 – This individual had a fair Experian rating
  • Transunion: 489 – Fae had a fair credit rating with Transunion.
  • Equifax: Fae’s Experian score was 507, which is a fair credit score with the Experian rating scheme.

Previous requests on Fae’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$114210.00 3 7.8% $3568.4 American State Bank of New England June 1, 2009
$113630.00 10 9.6% $1476.57 First American Bank & Trust of Carrington July 26, 2010
$114290.00 10 7.6% $1362.61 Kulm State Bank August 11, 2011
$114360.00 9 8.7% $1530.64 Bremer Bank, National Association June 15, 2012
$114110.00 9 8.3% $1503.37 First American Bank of Larimore March 11, 2013

Fae’s Transunion score was changed by the unsecured loan loan, changing to 489 from 507, which is typical in our experience.

Transunion Score: 489

When Fae was 24, they attempted to obtain a student loan from 7 alternate lenders, which damaged their credit rating. Below is a chronology of Fae’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on October 16, 2012
  • Attempt 2) Loan for $24,000.00 on October 15, 2008
  • Attempt 3) Loan for $30,000.00 on January 11, 2010
  • Attempt 4) Loan for $38,000.00 on February 14, 2011
  • Attempt 5) Loan for $26,000.00 on August 19, 2012
  • Attempt 6) Loan for $26,000.00 on January 25, 2013
  • Attempt 7) Loan for $32,000.00 on March 6, 2010

7 Months Ago, Fae Attempted to Find a High Risk Loan for $48,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Fae. Fae decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Borrowers with credit ratings as low as 468 can inquire for a high risk loan and have a chance to be approved.

Fae was declined by United Community Bank 5 times prior to being approved by First National Bank of Crosby at Main Street

On August 4, 2009, Fae applied about borrowing $33,000 from First International Bank & Trust, National Association with Buford, their friend from just outside Crosby, and even with the co-signer, Fae was rejected for this unsecured loan. With fair credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Client Profile: Fae Lainson of Crosby, North Dakota
  • Full name (Changed if requested): Fae Lainson
  • Current Credit: loans.hit.utils.Fico@5d22bbb7
  • Current City: Crosby
  • State: North Dakota
  • Zip code: 58734
  • Yearly income: $51,000
  • Current Job: transit and railroad police
  • Current County: Divide
  • Goal Yearly Income: $109,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Signature Loan easily acquired in Crosby, North Dakota for $51000 with fair credit by Fae

Many clients struggle with finding signature loans in Crosby, North Dakota, and Fae is the same. Fae went to 4 lenders or more prior to finding First National Bank of Crosby, who offered Fae a signature loan for $51000. Typical signature loans simply need a client, like Fae’s signature to obtain them, up to $25,000 in some cases. Fae was able to get $51000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t require a cosigner, these loans generally need higher credit, as high as 780

Fast Loans for Fae in Crosby, North Dakota to prevent bankruptcy or harm from debt collectors.

Fast loans in Crosby, North Dakota aren’t actually that difficult to obtain, particularly if you have some gumption like Fae. Fae was able to find a fast loan for $51000 from First American Bank of Rugby and First Bank of North Dakota, National Association, but turned down both offers in favor of their unsecured loan from First National Bank of Crosby. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big difference in the case that a client is on the go.

Personal Loan for a transit and railroad police named Fae in Crosby, North Dakota to Pay Off WestJet RBC MasterCard

Fae had a lot of credit card debt on their West Marine Platinum MasterCard and their Bangor Savings Bank Visa Business Card, and they were starting to get in over their heads. Despite Fae’s job as a transit and railroad police, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Installment loan for Fae, a graduate of Eastern Connecticut State University and a transit and railroad police working for over $62,000 per year

Fae, an alumnus at Eastern Connecticut State University and a transit and railroad police in Crosby, North Dakota wants an unsecured loan to purchase a house. Fae has instead decided to get an installment loan for $20,000 and is currently seeking lenders like American State Bank of New England to provide it.

Before applying for this unsecured loan, Fae had an Experian score of 524, which is fair, so First National Bank of Crosby most likely cannot provide Fae an unsecured loan

Experian Score: 524

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

Normal debt consolidation loans range from $21,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Fae needed a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Fae was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 2.8%.

Fae’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their transit and railroad police job and their future career as a cardiologist

Fico Score: 507

Fae has a disappointing current yearly income, but has a large amount of prospects

Fae has always wanted to be a cardiologist, but would have to attend Eastern Connecticut State University again to achieve it. Fae has other possibilities as well, including nuclear power reactor operator, camp director, and legal secretary, which pay $54,000 through to $103,000 per year, on average. For this reason, we think that Fae can pay for this unsecured loan of $51000.

Paraphrased and Standardized Quote from Fae for this unsecured loan of $51000, provided by First National Bank of Crosby

Hi, I am Fae and my hometown is Crosby in North Dakota. Divide, county is where I grew up, and now I need a unsecured loan in North Dakota for $51000 to pay bills. It has been difficult, but First National Bank of Crosby really came through for me with this loan for 8.8% interest APR and a term of 9 years. I can probably repay the loan over the 9 year term, including interest. A big thanks to First National Bank of Crosby for trusting me and my fair credit. It look me 9 years to build my credit to 507, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.

Contact Details for First National Bank of Crosby, the provider of this unsecured loan

  • First National Bank of Crosby
  • City: Crosby
  • State: North Dakota
  • Address: Main Street
  • County: Divide
  • Zip code: 58730

Multiple past requests for credit have been made by Fae in the past, including one from Vancouver Federal Savings Bank in Crosby, North Dakota before Fae was accepted for the $51000 by First National Bank of Crosby

Fae made 8 previous attempts to obtain an unsecured loan, 2 of which were with Vancouver Federal Savings Bank, a bank in Crosby, North Dakota known to specialize in unsecured loans specifically. Before finding First National Bank of Crosby, Fae was concerned due to their inexperience and fair credit score.

Conclusion of Fae’s unsecured loan

In the end, Fae was able to find an unsecured loan for $51000 with an interest rate of 5.4% interest APR from First National Bank of Crosby in Crosby, North Dakota repayable over 9 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.