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Philip Had Need For An Emergency Loan For $96000, Gallitzin, Pennsylvania

$96000 Emergency Loan – Gallitzin Pennsylvania, Credit Score Of 802

  • Experian: 821 – The client had an excellent Experian rating
  • Transunion: 790 – Philip had an excellent credit rating with Transunion.
  • Equifax: Philip’s Experian score was 802, which is an excellent credit rating on the Experian scale.

Several previous requests for credit have been made by Philip in the past, including one from Harmony Bank in Gallitzin, Pennsylvania before Philip was approved for the $96000 by First National Bank at Gallitzin

Philip made 8 previous tries to obtain an emergency loan, 2 of which were with Harmony Bank, a lender in Gallitzin, Pennsylvania known to specialize in emergency loans specifically. Before finding First National Bank at Gallitzin, Philip was concerned due to their inexperience and excellent credit score.

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

Normal debt consolidation loans vary from $31,000.00 to $58,000.00. They are normally used to pay off existing high interest loans like credit cards. Philip needed a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Philip was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.7%.

Paraphrased and Standardized Quote from Philip for this emergency loan of $96000, provided by First National Bank at Gallitzin

Hello, I am Philip and I am from Gallitzin in Pennsylvania. Cambria, county is where I grew up, and now I need a emergency loan in Pennsylvania for $96000 to buy a big ticket item. It wasn’t easy, but First National Bank at Gallitzin really came through for me with this loan for 11.1% interest APR and a term of 15 years. I can probably repay the loan over the 15 year term, including interest. A big thanks to First National Bank at Gallitzin for giving me a chance and my excellent credit. It look me 8 years to create my credit to 802, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.

Before applying for this emergency loan, Philip had an Experian score of 821, which is excellent, so First National Bank at Gallitzin most likely cannot provide Philip an emergency loan

Experian Score: 821

Philip’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their costume attendant job and their future career as a home economist

Fico Score: 802

Contact Details for First National Bank at Gallitzin, the provider of this emergency loan

  • First National Bank at Gallitzin
  • City: Gallitzin
  • State: Pennsylvania
  • Address: 701 Main Street
  • County: Cambria
  • Zip code: 16641

Installment loan for Philip, a graduate of Western Michigan University and a costume attendant working for over $63,000 per year

Philip, an alumnus at Western Michigan University and a costume attendant in Gallitzin, Pennsylvania wants an emergency loan to purchase a car. Philip has instead decided to obtain an installment loan for $13,000 and is currently seeking lenders like The Houtzdale Bank to process their request.

When Philip was 23, they attempted to obtain a student loan from 6 different banks, which damaged their credit score. Below is a chronology of Philip’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on June 29, 2011
  • Attempt 2) Loan for $20,000.00 on February 17, 2010
  • Attempt 3) Loan for $28,000.00 on November 28, 2008
  • Attempt 4) Loan for $38,000.00 on October 26, 2009
  • Attempt 5) Loan for $26,000.00 on January 13, 2012
  • Attempt 6) Loan for $36,000.00 on January 19, 2014

Previous requests on Philip’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$45600.00 5 11.6% $1005.15 The People’s Bank of Oxford March 30, 2009
$46210.00 9 9.6% $640.61 First Lehigh Bank September 21, 2010
$45510.00 10 7.6% $542.59 SunBank February 4, 2013
$46450.00 11 9.7% $573.69 Merchants Bank (North) November 14, 2013

8 Months in the Past, Philip Attempted to Find a High Risk Loan for $33,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Philip. Philip decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Individuals with credit scores as low as 515 can inquire for a high risk loan and possibly can be approved.

Philip was declined by The Bridgeville Trust Company 4 times prior to being approved by First National Bank at Gallitzin at 701 Main Street

On October 6, 2009, Philip inquired about borrowing $34,000 from The Houtzdale Bank with Brent, their friend from just outside Gallitzin, and even with the co-signer, Philip was rejected for this emergency loan. With excellent credit, it can be very hard to procure funding, even with collateral and a co-signer.

Philip’s Transunion score was changed by the emergency loan loan, changing to 790 from 802, which is normal in our experience.

Transunion Score: 790

Signature Loan easily acquired in Gallitzin, Pennsylvania for $96000 with excellent credit by Philip

A lot of clients struggle with obtaining signature loans in Gallitzin, Pennsylvania, and Philip is no exception. Philip went to 5 lending institutions or more before finding First National Bank at Gallitzin, who offered Philip a signature loan for $96000. Most signature loans simply need a client, like Philip’s signature to obtain them, up to $29,000 in some cases. Philip was able to get $96000 as a emergency loan, which is very high for an emergency loan. Since signature loans don’t require collateral, these loans generally need improved credit, as high as 784

Fast Loans for Philip in Gallitzin, Pennsylvania to prevent bankruptcy or harm from debt collectors.

Fast loans in Gallitzin, Pennsylvania aren’t actually that difficult to obtain, particularly if you have some finesse like Philip. Philip was able to find a fast loan for $96000 from Community Bank and Trust Company and The Bridgeville Trust Company, but turned down both offers in favor of their emergency loan from First National Bank at Gallitzin. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. Much better if a borrower is in a pinch.

Philip has a disappointing current gross income, but has a large amount of prospects

Philip has always wanted to be a home economist, but would need attend Western Michigan University again to achieve it. Philip has other prospects as well, including horticulturist, retail sales department supervisor, and nuclear monitoring technician, which pay $50,000 through to $102,000 per year, on average. For this reason, we believe that Philip can pay for this emergency loan of $96000.

Client Profile: Philip Yerkey of Gallitzin, Pennsylvania
  • Full name (Changed if requested): Philip Yerkey
  • Current Credit: loans.hit.utils.Fico@5b6f7412
  • Current City: Gallitzin
  • State: Pennsylvania
  • Zip code: 16645
  • Yearly income: $41,000
  • Current Job: costume attendant
  • Current County: Cambria
  • Goal Yearly Income: $94,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Personal Loan for a costume attendant named Philip in Gallitzin, Pennsylvania to Pay Off Farm Sanctuary MasterCard

Philip had a lot of credit card debt on their Bank of Albuquerque Credit Cards and their LANPASS Visa Secured Card, and they were starting to get in over their heads. Despite Philip’s job as a costume attendant, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Conclusion of Philip’s emergency loan

In the end, Philip was able to find an emergency loan for $96000 with an interest rate of 9.8% interest APR from First National Bank at Gallitzin in Gallitzin, Pennsylvania repayable over 15 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.