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Secured Loan For $129000 Near 45120, Ohio With A Credit Score Of 584

$129000 Secured Loan – Felicity Ohio, Credit Rating Of 584

  • Experian: 597 – This individual had a fair Experian rating
  • Transunion: 570 – Bethel had a fair credit score with Transunion.
  • Equifax: Bethel’s Experian score was 584, which is a fair credit rating with the Experian rating scheme.

Bethel’s Transunion score was changed by the secured loan loan, changing to 570 from 584, which is typical in our experience.

Transunion Score: 570

Fast Loans for Bethel in Felicity, Ohio to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Felicity, Ohio aren’t actually that difficult to obtain, particularly if you have some finesse like Bethel. Bethel was able to find a fast loan for $129000 from The First National Bank of Nelsonville and The Peoples Savings Bank Company, but turned down both offers in favor of their secured loan from Citizensbank National Associaton. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement in the case that a borrower is in a time sensitive situation.

Contact Details for Citizensbank National Associaton, the provider of this secured loan

  • Citizensbank National Associaton
  • City: Felicity
  • State: Ohio
  • Address: Main Street
  • County: Clermont
  • Zip code: 45120

Paraphrased and Standardized Quote from Bethel for this secured loan of $129000, provided by Citizensbank National Associaton

Hi, I am Bethel and my hometown is Felicity in Ohio. Clermont, county is where I grew up, and now I need a secured loan in Ohio for $129000 to pay bills. It wasn’t easy, but Citizensbank National Associaton really came through for me with this loan for 8.1% interest APR and a term of 4 years. I can repay the loan over the 4 year term, including interest. A big thanks to Citizensbank National Associaton for trusting me and my fair credit. It look me 6 years to create my credit to 584, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

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

Normal debt consolidation loans vary from $27,000.00 to $59,000.00. They are typically used to pay off existing high interest loans like credit cards. Bethel needed a debt consolidation loan to pay for their existing secured loan and their credit card. Bethel was able to find a secured loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.5%.

Client Profile: Bethel Sumi of Felicity, Ohio
  • Full name (Changed if requested): Bethel Sumi
  • Current Credit: loans.hit.utils.Fico@79fc0f2f
  • Current City: Felicity
  • State: Ohio
  • Zip code: 45122
  • Yearly income: $38,000
  • Current Job: veterinarian technician
  • Current County: Clermont
  • Goal Yearly Income: $92,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Bethel has a sad current yearly income, but has a large amount of prospects

Bethel has always wanted to be an environmental compliance inspector, but would have to attend Western Michigan University again to become one. Bethel has other possibilities as well, including aircraft mechanic, health care facilities inspector, and real estate assessor, which pay $50,000 through to $99,000 per year, at least. Because of this, we think that Bethel can afford this secured loan of $129000.

Personal Loan for a veterinarian technician named Bethel in Felicity, Ohio to Pay Off Levin Furniture Credit Card

Bethel had a tonne of credit card debt on their Zions Bank AmaZing Rate Credit Card and their American Photo Visa Card, and they were starting to get in over their heads. Despite Bethel’s job as a veterinarian technician, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Bethel’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$146450.00 8 6.7% $1974.86 The Vinton Banking Company February 15, 2012
$146430.00 4 11.8% $3841.7 The Ohio Valley Bank Company May 13, 2014
$145810.00 7 11.3% $2519.68 The Citizens Bank July 4, 2014
$145740.00 9 8.2% $1912.49 The Peoples Bank March 18, 2015
$145520.00 4 8.6% $3593.7 The Freeport State Bank March 21, 2015

Bethel’s Overall FICO score at the time of acceptance for a secured loan, taking into account their veterinarian technician job and their future career as an environmental compliance inspector

Fico Score: 584

When Bethel was 24, they tried to obtain a student loan from 7 alternate lenders, which harmed their credit score. Below is a chronology of Bethel’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on April 21, 2013
  • Attempt 2) Loan for $35,000.00 on July 16, 2011
  • Attempt 3) Loan for $32,000.00 on April 7, 2009
  • Attempt 4) Loan for $29,000.00 on June 5, 2010
  • Attempt 5) Loan for $39,000.00 on September 14, 2012
  • Attempt 6) Loan for $31,000.00 on April 28, 2010
  • Attempt 7) Loan for $31,000.00 on December 26, 2010

Before applying for this secured loan, Bethel had an Experian score of 597, which is fair, so Citizensbank National Associaton most likely cannot provide Bethel a secured loan

Experian Score: 597

Installment loan for Bethel, a graduate of Western Michigan University and a veterinarian technician working for over $79,000 per year

Bethel, an alumnus at Western Michigan University and a veterinarian technician in Felicity, Ohio needs a secured loan to purchase a house. Bethel has instead chosen to obtain an installment loan for $9,000 and is at present seeking lenders like The Clarksburg Commercial Bank to process their request.

Signature Loan found in Felicity, Ohio for $129000 with fair credit by Bethel

Most clients have difficulty with obtaining signature loans in Felicity, Ohio, and Bethel is no different. Bethel went to 7 lending institutions or more prior to settling on Citizensbank National Associaton, who offered Bethel a signature loan for $129000. Most signature loans simply need a client, like Bethel’s signature to get them, up to $45,000 in some cases. Bethel was able to get $129000 as a secured loan, which is very high for a secured loan. Since signature loans don’t require a cosigner, they tend to require better credit, as high as 715

Bethel was not approved by The Peoples Savings Bank Company 4 times before being accepted by Citizensbank National Associaton at Main Street

On February 27, 2009, Bethel applied about borrowing $24,000 from The Commercial Bank with Jacklyn, their in law from just outside Felicity, and even with the co-signer, Bethel was rejected for this secured loan. With fair credit, it can be challenging to procure funding, even with collateral and a co-signer.

Many past requests for credit have been made by Bethel in the past, including one from CommunityBank of Texas, N.A. in Felicity, Ohio before Bethel was accepted for the $129000 by Citizensbank National Associaton

Bethel made 9 prior attempts to obtain a secured loan, 2 of which were with CommunityBank of Texas, N.A., a lending institution in Felicity, Ohio known to specialize in secured loans specifically. Prior to finding Citizensbank National Associaton, Bethel was desperate due to their inexperience and fair credit score.

6 Months Ago, Bethel Tried to Find a High Risk Loan for $25,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Bethel. Bethel decided not to get a high risk loan this time. High Risk loans are given to very low credit clients. Clients with credit ratings as low as 456 can inquire for a high risk loan and possibly can be accepted.

Conclusion of Bethel’s secured loan

In the end, Bethel was able to find a secured loan for $129000 with an interest rate of 6.8% interest APR from Citizensbank National Associaton in Felicity, Ohio repayable over 4 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.