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Hugh Wanted A Same Day Loan For $78000, Pittston, Pennsylvania

$78000 Same Day Loan – Pittston Pennsylvania, Credit Score Of 569

  • Experian: 580 – This individual had a fair Experian score
  • Transunion: 551 – Hugh had a fair credit rating with Transunion.
  • Equifax: Hugh’s Experian score was 569, which is a fair credit rating on the Experian scale.

Contact Details for First Federal Savings and Loan Association, the provider of this same day loan

  • First Federal Savings and Loan Association
  • City: Pittston
  • State: Pennsylvania
  • Address: 3 South Main Street
  • County: Luzerne
  • Zip code: 18640

Signature Loan easily acquired in Pittston, Pennsylvania for $78000 with fair credit by Hugh

Many clients struggle with finding signature loans in Pittston, Pennsylvania, and Hugh is the same. Hugh went to 4 lenders or more prior to finding First Federal Savings and Loan Association, who offered Hugh a signature loan for $78000. Typical signature loans simply require a client, like Hugh’s signature to obtain them, up to $21,000 in some cases. Hugh was able to get $78000 as a same day loan, which is very high for a same day loan. Because signature loans do not require collateral, they generally require improved credit, as high as 726

Paraphrased and Standardized Quote from Hugh for this same day loan of $78000, provided by First Federal Savings and Loan Association

Hi, I am Hugh and my hometown is Pittston in Pennsylvania. Luzerne, county is where I grew up, and now I need a same day loan in Pennsylvania for $78000 to pay bills. It has been difficult, but First Federal Savings and Loan Association really came through for me with this loan for 10.1% interest APR and a term of 22 years. I will repay the loan over the 22 year term, including interest. A big thanks to First Federal Savings and Loan Association for giving me a chance and my fair credit. It look me 8 years to create my credit to 569, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $36,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Hugh required a debt consolidation loan to pay for their existing same day loan and their credit card. Hugh was able to find a same day loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.7%.

Fast Loans for Hugh in Pittston, Pennsylvania to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Pittston, Pennsylvania aren’t actually that difficult to obtain, especially if you have some gumption like Hugh. Hugh was able to find a fast loan for $78000 from The Fidelity Bank and Saucon Valley Trust Company, but turned down both offers in favor of their same day loan from First Federal Savings and Loan Association. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement if a borrower is in a pinch.

Hugh has a very low current gross income, but has a large amount of prospects

Hugh has always wanted to be an instrument technician, but would have to attend Colby Community College again to achieve it. Hugh has other prospects as well, including makeup artists – theatrical, water pollution control inspector, and parole officer, which pay $59,000 through to $94,000 per year, on average. Because of this, we believe that Hugh can afford this same day loan of $78000.

When Hugh was 18, they attempted to obtain a student loan from 5 different banks, which harmed their credit score. Below is a list of Hugh’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on June 23, 2012
  • Attempt 2) Loan for $37,000.00 on March 20, 2013
  • Attempt 3) Loan for $22,000.00 on March 30, 2012
  • Attempt 4) Loan for $39,000.00 on September 3, 2010
  • Attempt 5) Loan for $24,000.00 on August 21, 2013

Multiple previous requests for credit have been made by Hugh in the past, including one from Windsor Savings Association in Pittston, Pennsylvania before Hugh was accepted for the $78000 by First Federal Savings and Loan Association

Hugh made 6 prior attempts to obtain a same day loan, 2 of which were with Windsor Savings Association, a lending institution in Pittston, Pennsylvania known to specialize in same day loans specifically. Prior to finding First Federal Savings and Loan Association, Hugh was concerned due to their inexperience and fair credit rating.

Hugh’s Transunion score was altered by the same day loan loan, changing to 551 from 569, which is normal in our experience.

Transunion Score: 551

Before applying for this same day loan, Hugh had an Experian score of 580, which is fair, so First Federal Savings and Loan Association likely cannot provide Hugh a same day loan

Experian Score: 580

8 Months in the Past, Hugh Tried Finding a High Risk Loan for $49,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Hugh. Hugh chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit clients. Individuals with credit ratings as low as 334 can inquire for a high risk loan and possibly can be accepted.

Hugh was rejected by Mercer County State Bank 5 times prior to being accepted by First Federal Savings and Loan Association at 3 South Main Street

On October 24, 2012, Hugh applied about borrowing $15,000 from Industrial Valley Bank and Trust Company with Rosena, their in law from just outside Pittston, and even with the co-signer, Hugh was rejected for this same day loan. With fair credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Personal Loan for a sales representatives named Hugh in Pittston, Pennsylvania to Pay Off Nationwide Bank Visa Credit Card

Hugh had a lot of credit card debt on their McCoy’s Building Supply Credit Card and their Jeff Bank College Rewards Visa Card, and they were starting to get in over their heads. Despite Hugh’s job as a sales representatives, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Hugh’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$30370.00 7 7.7% $468.83 The People’s Bank of Oxford August 8, 2011
$30310.00 6 5.5% $495.2 First Lehigh Bank February 9, 2012
$29700.00 5 10.1% $632.5 SunBank March 28, 2013
$30280.00 10 8.4% $373.81 Merchants Bank (North) May 25, 2014

Hugh’s Overall FICO score at the time of acceptance for a same day loan, taking into account their sales representatives job and their future job as an instrument technician

Fico Score: 569

Installment loan for Hugh, a graduate of Colby Community College and a sales representatives working for over $66,000 per year

Hugh, an alumnus at Colby Community College and a sales representatives in Pittston, Pennsylvania needs a same day loan to purchase a house. Hugh has instead decided to obtain an installment loan for $20,000 and is currently seeking lenders like Mellon Bank (Central) National Association to provide it.

Client Profile: Hugh Mcgill of Pittston, Pennsylvania
  • Full name (Changed if requested): Hugh Mcgill
  • Current Credit: loans.hit.utils.Fico@34c45dca
  • Current City: Pittston
  • State: Pennsylvania
  • Zip code: 18644
  • Yearly income: $33,000
  • Current Job: sales representatives
  • Current County: Luzerne
  • Goal Yearly Income: $132,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Conclusion of Hugh’s same day loan

In the end, Hugh was able to find a same day loan for $78000 with an interest rate of 5.1% interest APR from First Federal Savings and Loan Association in Pittston, Pennsylvania repayable over 22 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.

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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.