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Debt Consolidation Loan With Reasonable APR In Williams County, Ohio

$120000 Debt Consolidation Loan – Stryker Ohio, Credit Score Of 508

  • Experian: 518 – They had a fair Experian rating
  • Transunion: 492 – Zetta had a fair credit rating with Transunion.
  • Equifax: Zetta’s Experian score was 508, which is a fair credit score using the Experian system.

8 Months Ago, Zetta Tried Finding a High Risk Loan for $48,000.00, and it was Hard

It is an existing struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Zetta. Zetta decided not to obtain a high risk loan this time. High Risk loans are given to bad credit borrowers. Individuals with credit ratings as low as 344 can inquire for a high risk loan and may be be accepted.

Client Profile: Zetta Panza of Stryker, Ohio
  • Full name (Changed if requested): Zetta Panza
  • Current Credit: loans.hit.utils.Fico@3d494fbf
  • Current City: Stryker
  • State: Ohio
  • Zip code: 43565
  • Yearly income: $67,000
  • Current Job: insurance policy processing clerk
  • Current County: Williams
  • Goal Yearly Income: $107,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Personal Loan for an insurance policy processing clerk named Zetta in Stryker, Ohio to Pay Off United Workers Federal Credit Union Visa Choice Credit Card

Zetta had a lot of credit card debt on their Spirit Airlines and their Chicago Cubs BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Zetta’s job as an insurance policy processing clerk, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Zetta was 21, they tried to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a chronology of Zetta’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on August 9, 2011
  • Attempt 2) Loan for $34,000.00 on May 26, 2013
  • Attempt 3) Loan for $30,000.00 on December 16, 2009
  • Attempt 4) Loan for $24,000.00 on April 28, 2012

Previous requests on Zetta’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$122200.00 8 10.6% $1893.3 The Vinton Banking Company November 25, 2008
$122280.00 6 11.8% $2377.9 The Ohio Valley Bank Company September 15, 2010
$122240.00 3 5.7% $3702.18 The Citizens Bank July 31, 2011
$122380.00 5 8.2% $2493.16 The Peoples Bank April 18, 2012

Fast Loans for Zetta in Stryker, Ohio to prevent bankruptcy or harm from debt collectors.

Fast loans in Stryker, Ohio aren’t actually that difficult to obtain, especially if you have some finesse like Zetta. Zetta was able to find a fast loan for $120000 from 1st Security Bank and Minster Bank, but declined both offers in favor of their debt consolidation loan from The Farmers State Bank of Stryker. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. An improvement in the case that a borrower is in a pinch.

Installment loan for Zetta, a graduate of Highland Community College and an insurance policy processing clerk working for over $63,000 per year

Zetta, an alumnus at Highland Community College and an insurance policy processing clerk in Stryker, Ohio wants a debt consolidation loan to purchase a new cell phone. Zetta has instead decided to get an installment loan for $4,000 and is at present seeking lenders like The Peoples Savings Bank Company to process their request.

Zetta’s Transunion score was altered by the debt consolidation loan loan, changing to 492 from 508, which is typical in our experience.

Transunion Score: 492

Zetta’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their insurance policy processing clerk job and their future career as a recreational vehicle mechanic

Fico Score: 508

Many other requests for credit have been made by Zetta in the past, including one from The First National Bank of McHenry in Stryker, Ohio before Zetta was approved for the $120000 by The Farmers State Bank of Stryker

Zetta made 4 previous attempts to obtain a debt consolidation loan, 2 of which were with The First National Bank of McHenry, a bank in Stryker, Ohio known to specialize in debt consolidation loans specifically. Before finding The Farmers State Bank of Stryker, Zetta was concerned due to their inexperience and fair credit score.

Zetta was declined by The Liberty State Bank 7 times before being accepted by The Farmers State Bank of Stryker at Main Street

On August 13, 2010, Zetta inquired about borrowing $29,000 from PNC Bank, Ohio, National Association with Malia, their in law from just outside Stryker, and even with the co-signer, Zetta was rejected for this debt consolidation loan. With fair credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Contact Details for The Farmers State Bank of Stryker, the provider of this debt consolidation loan

  • The Farmers State Bank of Stryker
  • City: Stryker
  • State: Ohio
  • Address: Main Street
  • County: Williams
  • Zip code: 43557

Zetta has a sad current total income, but has a large amount of prospects

Zetta has always wanted to be a recreational vehicle mechanic, but would need attend Highland Community College again to achieve it. Zetta has other prospects as well, including automotive body repairer, carpenter’s assistant, and motor vehicle inspector, which pay $59,000 through to $99,000 per year, at least. Because of this, we believe that Zetta can pay for this debt consolidation loan of $120000.

Paraphrased and Standardized Quote from Zetta for this debt consolidation loan of $120000, provided by The Farmers State Bank of Stryker

Hello, I am Zetta and my hometown is Stryker in Ohio. Williams, county is where I grew up, and now I need a debt consolidation loan in Ohio for $120000 to buy a big ticket item. It wasn’t easy, but The Farmers State Bank of Stryker really came through for me with this loan for 8.7% interest APR and a term of 1 years. I can probably repay the loan over the 1 year term, including interest. A big thanks to The Farmers State Bank of Stryker for trusting me and my fair credit. It look me 9 years to build my credit to 508, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.

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

Normal debt consolidation loans range from $36,000.00 to $47,000.00. They are mainly used to pay off existing high interest loans like credit cards. Zetta needed a debt consolidation loan to pay for their existing debt consolidation loan and their payday loan. Zetta was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.1%.

Signature Loan found in Stryker, Ohio for $120000 with fair credit by Zetta

Many prospective borrowers have difficulty with finding signature loans in Stryker, Ohio, and Zetta is the same. Zetta went to 8 lenders or more before settling on The Farmers State Bank of Stryker, who offered Zetta a signature loan for $120000. Typical signature loans simply require a client, like Zetta’s signature to obtain them, up to $31,000 in some cases. Zetta was able to get $120000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t need a cosigner, these loans generally need improved credit, as high as 756

Before applying for this debt consolidation loan, Zetta had an Experian score of 518, which is fair, so The Farmers State Bank of Stryker most likely cannot provide Zetta a debt consolidation loan

Experian Score: 518

Conclusion of Zetta’s debt consolidation loan

In the end, Zetta was able to find a debt consolidation loan for $120000 with an interest rate of 9.2% interest APR from The Farmers State Bank of Stryker in Stryker, Ohio repayable over 1 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.