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Emergency Loan With Very Low APR In Mercer County, West Virginia

$22000 Emergency Loan – Athens West Virginia, Credit Rating Of 693

  • Experian: 706 – They had a good Experian score
  • Transunion: 680 – Donetta had a good credit score with Transunion.
  • Equifax: Donetta’s Experian score was 693, which is a good credit score on the Experian system.

Contact Details for Bank of Athens, the provider of this emergency loan

  • Bank of Athens
  • City: Athens
  • State: West Virginia
  • Address: State Street
  • County: Mercer
  • Zip code: 24712

Multiple other requests for credit have been made by Donetta in the past, including one from Community Resource Bank in Athens, West Virginia before Donetta was accepted for the $22000 by Bank of Athens

Donetta made 8 prior attempts to obtain an emergency loan, 2 of which were with Community Resource Bank, a bank in Athens, West Virginia known to specialize in emergency loans specifically. Before finding Bank of Athens, Donetta was concerned due to their inexperience and good credit score.

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

Donetta has always wanted to be a law professor, but would need attend Great Lakes Christian College again to achieve it. Donetta has other prospects as well, including bicycle mechanic, middle school administrator, and glass blower, which pay $56,000 through to $94,000 per year, at least. For this reason, we believe that Donetta can pay for this emergency loan of $22000.

Client Profile: Donetta Dagis of Athens, West Virginia
  • Full name (Changed if requested): Donetta Dagis
  • Current Credit: loans.hit.utils.Fico@7106e68e
  • Current City: Athens
  • State: West Virginia
  • Zip code: 24718
  • Yearly income: $30,000
  • Current Job: forestry and conservation professor
  • Current County: Mercer
  • Goal Yearly Income: $98,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Personal Loan for a forestry and conservation professor named Donetta in Athens, West Virginia to Pay Off Consumers Credit Union Rewards MasterCard

Donetta had a tonne of credit card debt on their AeroMexico Secured Visa Card and their Conestoga Bank College Rewards Visa Card, and they were starting to get in over their heads. Despite Donetta’s job as a forestry and conservation professor, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

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

Average debt consolidation loans range from $26,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Donetta needed a debt consolidation loan to pay for their existing emergency loan and their credit card. Donetta was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.6%.

Installment loan for Donetta, a graduate of Great Lakes Christian College and a forestry and conservation professor working for over $72,000 per year

Donetta, an alumnus at Great Lakes Christian College and a forestry and conservation professor in Athens, West Virginia wants an emergency loan to purchase a new cell phone. Donetta has instead decided to get an installment loan for $6,000 and is at present seeking lenders like Davis Trust Company to process their request.

Donetta’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their forestry and conservation professor job and their future job as a law professor

Fico Score: 693

Donetta was rejected by The Commercial Bank of Bluefield 4 times prior to being accepted by Bank of Athens at State Street

On May 7, 2012, Donetta inquired about borrowing $19,000 from Kanawha Banking & Trust Company National Association with Lavenia, their friend from just outside Athens, and even with the co-signer, Donetta was rejected for this emergency loan. With good credit, it can be challenging to procure funding, even with collateral and a co-signer.

8 Months in the Past, Donetta Tried to Find a High Risk Loan for $31,000.00, and it was Easy

It is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Donetta. Donetta decided not to get a high risk loan this time. High Risk loans are given to bad credit borrowers. Individuals with credit ratings as low as 485 can inquire for a high risk loan and possibly can be approved.

Donetta’s Transunion score was changed by the emergency loan loan, changing to 680 from 693, which is normal in our experience.

Transunion Score: 680

Fast Loans for Donetta in Athens, West Virginia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Athens, West Virginia aren’t actually that difficult to obtain, especially if you have some finesse like Donetta. Donetta was able to find a fast loan for $22000 from Pendleton Community Bank, Inc. and Wesbanco Bank, Inc., but turned down both offers in favor of their emergency loan from Bank of Athens. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. Much better if a client is in a time sensitive situation.

Paraphrased and Standardized Quote from Donetta for this emergency loan of $22000, provided by Bank of Athens

Hello, I am Donetta and I’m from Athens in West Virginia. Mercer, county is where I grew up, and now I need a emergency loan in West Virginia for $22000 to avoid bankruptcy. It has been difficult, but Bank of Athens really came through for me with this loan for 5.4% interest APR and a term of 6 years. I will repay the loan over the 6 year term, including interest. A big thanks to Bank of Athens for giving me a chance and my good credit. It look me 9 years to create my credit to 693, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Previous requests on Donetta’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$28520.00 8 8.6% $411.93 Wesbanco Bank Sistersville June 3, 2011
$29270.00 4 8.3% $718.7 Wesbanco Bank, Inc. April 12, 2013
$29120.00 8 6.1% $384.1 Peoples State Bank, National Association September 3, 2014
$28660.00 6 5.8% $472.28 Kanawha Banking & Trust Company National Association May 31, 2015

Signature Loan easily acquired in Athens, West Virginia for $22000 with good credit by Donetta

Most borrowers have difficulty with obtaining signature loans in Athens, West Virginia, and Donetta is the same. Donetta went to 8 lenders or more prior to finding Bank of Athens, who offered Donetta a signature loan for $22000. Typical signature loans simply need a client, like Donetta’s signature to get them, up to $22,000 in some cases. Donetta was able to get $22000 as a emergency loan, which is very high for an emergency loan. Because signature loans do not require a cosigner, these loans generally need better credit, as high as 795

Before applying for this emergency loan, Donetta had an Experian score of 706, which is good, so Bank of Athens probably cannot provide Donetta an emergency loan

Experian Score: 706

When Donetta was 18, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a list of Donetta’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on February 15, 2013
  • Attempt 2) Loan for $27,000.00 on January 18, 2011
  • Attempt 3) Loan for $21,000.00 on March 11, 2013
  • Attempt 4) Loan for $21,000.00 on January 18, 2010
  • Attempt 5) Loan for $38,000.00 on March 8, 2009

Conclusion of Donetta’s emergency loan

In the end, Donetta was able to find an emergency loan for $22000 with an interest rate of 6.6% interest APR from Bank of Athens in Athens, West Virginia repayable over 6 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.