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Consolidation Loan Of $27000 For Excellent Credit Pennsylvania Resident

$27000 Consolidation Loan – Lancaster Pennsylvania, Credit Rating Of 828

  • Experian: 843 – The client had an excellent Experian score
  • Transunion: 811 – Kareen had an excellent credit score with Transunion.
  • Equifax: Kareen’s Experian score was 828, which is an excellent credit score with the Experian system.

Kareen was rejected by Mellon Bank (Central) National Association 6 times prior to being approved by CoreStates Hamilton Bank at 100 North Queen Street

On June 15, 2011, Kareen applied about borrowing $35,000 from PS Bank with Tonie, their friend from just outside Lancaster, and even with the co-signer, Kareen was rejected for this consolidation loan. With excellent credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Kareen’s Transunion score was changed by the consolidation loan loan, changing to 811 from 828, which is typical in our experience.

Transunion Score: 811

Signature Loan found in Lancaster, Pennsylvania for $27000 with excellent credit by Kareen

A lot of borrowers struggle with finding signature loans in Lancaster, Pennsylvania, and Kareen is the same. Kareen went to 7 lending institutions or more prior to finding CoreStates Hamilton Bank, who offered Kareen a signature loan for $27000. Typical signature loans simply require a client, like Kareen’s signature to get them, up to $48,000 in some cases. Kareen was able to get $27000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans don’t need collateral, these loans tend to require higher credit, as high as 771

Installment loan for Kareen, a graduate of Davidson County Community College and a voice pathologist working for over $66,000 per year

Kareen, an alumnus at Davidson County Community College and a voice pathologist in Lancaster, Pennsylvania needs a consolidation loan to purchase a car. Kareen has instead decided to get an installment loan for $16,000 and is at present seeking lenders like Mellon Bank (East) PSFS, National Association to process their request.

Kareen’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their voice pathologist job and their future job as a materials engineer

Fico Score: 828

Personal Loan for a voice pathologist named Kareen in Lancaster, Pennsylvania to Pay Off University of Michigan Rewards American Express Card

Kareen had a lot of credit card debt on their Orvis Rewards Visa and their Justice FCU NNALEA Affinity VISA Credit Card, and they were starting to get in over their heads. Despite Kareen’s job as a voice pathologist, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Kareen Selgrade of Lancaster, Pennsylvania
  • Full name (Changed if requested): Kareen Selgrade
  • Current Credit: loans.hit.utils.Fico@1b2c6ec2
  • Current City: Lancaster
  • State: Pennsylvania
  • Zip code: 17608
  • Yearly income: $63,000
  • Current Job: voice pathologist
  • Current County: Lancaster
  • Goal Yearly Income: $113,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $27,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Kareen needed a debt consolidation loan to pay for their existing consolidation loan and their loan shark loan. Kareen was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.6%.

Fast Loans for Kareen in Lancaster, Pennsylvania to prevent bankruptcy or harm from debt collectors.

Fast loans in Lancaster, Pennsylvania aren’t actually that difficult to obtain, especially if you have some finesse like Kareen. Kareen was able to find a fast loan for $27000 from Orrstown Bank and Wayne Bank, but turned down both offers in favor of their consolidation loan from CoreStates Hamilton 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 if you are in a time sensitive situation.

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

Kareen has always wanted to be a materials engineer, but would have to attend Davidson County Community College again to achieve it. Kareen has other possibilities as well, including quality control engineer, non-retail sales supervisor, and home economics teacher, which pay $53,000 through to $93,000 per year, on average. For this reason, we think that Kareen can pay for this consolidation loan of $27000.

Before applying for this consolidation loan, Kareen had an Experian score of 843, which is excellent, so CoreStates Hamilton Bank likely can provide Kareen a consolidation loan

Experian Score: 843

Paraphrased and Standardized Quote from Kareen for this consolidation loan of $27000, provided by CoreStates Hamilton Bank

Hi, I am Kareen and I’m from Lancaster in Pennsylvania. Lancaster, county is where I grew up, and now I need a consolidation loan in Pennsylvania for $27000 to avoid bankruptcy. It has been difficult, but CoreStates Hamilton Bank really came through for me with this loan for 11.5% 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 CoreStates Hamilton Bank for giving me a chance and my excellent credit. It look me 9 years to create my credit to 828, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Several other requests for credit have been made by Kareen in the past, including one from Guardian Bank in Lancaster, Pennsylvania before Kareen was accepted for the $27000 by CoreStates Hamilton Bank

Kareen made 7 previous tries to obtain a consolidation loan, 2 of which were with Guardian Bank, a bank in Lancaster, Pennsylvania known to specialize in consolidation loans specifically. Prior to finding CoreStates Hamilton Bank, Kareen was very concerned due to their inexperience and excellent credit rating.

Contact Details for CoreStates Hamilton Bank, the provider of this consolidation loan

  • CoreStates Hamilton Bank
  • City: Lancaster
  • State: Pennsylvania
  • Address: 100 North Queen Street
  • County: Lancaster
  • Zip code: 17603

9 Months Ago, Kareen Tried Finding a High Risk Loan for $40,000.00, and it was Hard

There is an well known struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Kareen. Kareen decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Clients with credit ratings as low as 401 can inquire for a high risk loan and may be be approved.

When Kareen was 19, they attempted to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a chronology of Kareen’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on April 4, 2009
  • Attempt 2) Loan for $28,000.00 on February 10, 2009
  • Attempt 3) Loan for $30,000.00 on September 29, 2012
  • Attempt 4) Loan for $31,000.00 on March 15, 2009
  • Attempt 5) Loan for $29,000.00 on May 17, 2011
  • Attempt 6) Loan for $31,000.00 on October 14, 2011

Previous requests on Kareen’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$43440.00 4 9.6% $1093.42 The People’s Bank of Oxford August 12, 2012
$42560.00 6 8.1% $748.29 First Lehigh Bank November 15, 2013
$43180.00 4 7.5% $1044.04 SunBank December 5, 2013
$42590.00 5 7.3% $849.37 Merchants Bank (North) July 25, 2014
$43220.00 6 9.2% $783.36 Green Ridge Bank January 13, 2015

Conclusion of Kareen’s consolidation loan

In the end, Kareen was able to find a consolidation loan for $27000 with an interest rate of 11.3% interest APR from CoreStates Hamilton Bank in Lancaster, Pennsylvania 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.