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Fast Loan With Reasonable APR In Hancock County, Georgia

$111000 Fast Loan – Sparta Georgia, Credit Rating Of 407

  • Experian: 419 – The client had a bad Experian score
  • Transunion: 389 – Gita had a bad credit rating with Transunion.
  • Equifax: Gita’s Experian score was 407, which is a bad credit rating with the Experian scale.

Paraphrased and Standardized Quote from Gita for this fast loan of $111000, provided by Bank of Hancock County

Hi, I am Gita and my hometown is Sparta in Georgia. Hancock, county is where I grew up, and now I need a fast loan in Georgia for $111000 to avoid bankruptcy. It has been difficult, but Bank of Hancock County really came through for me with this loan for 10.8% interest APR and a term of 12 years. I can probably repay the loan over the 12 year term, including interest. A big thanks to Bank of Hancock County for trusting me and my bad credit. It look me 6 years to build my credit to 407, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Gita’s Transunion score was altered by the fast loan loan, changing to 389 from 407, which is normal in our experience.

Transunion Score: 389

Personal Loan for an office clerk named Gita in Sparta, Georgia to Pay Off BankFIRST Young Adult Visa Card

Gita had a tonne of credit card debt on their Shell Select Member Credit Card and their Fifth Third Bank Platinum MasterCard, and they were starting to get in over their heads. Despite Gita’s job as an office clerk, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Signature Loan easily acquired in Sparta, Georgia for $111000 with bad credit by Gita

A lot of prospective borrowers have difficulty with obtaining signature loans in Sparta, Georgia, and Gita is no exception. Gita went to 7 lenders or more prior to finding Bank of Hancock County, who offered Gita a signature loan for $111000. Typical signature loans simply need a client, like Gita’s signature to get them, up to $28,000 in some cases. Gita was able to get $111000 as a fast loan, which is very high for a fast loan. Because signature loans do not need collateral, they tend to need improved credit, as high as 799

Many past requests for credit have been made by Gita in the past, including one from Bank of Virginia-Shenandoah in Sparta, Georgia before Gita was approved for the $111000 by Bank of Hancock County

Gita made 5 previous attempts to obtain a fast loan, 2 of which were with Bank of Virginia-Shenandoah, a lending institution in Sparta, Georgia known to specialize in fast loans specifically. Prior to finding Bank of Hancock County, Gita was desperate due to their inexperience and bad credit rating.

Installment loan for Gita, a graduate of “Five Branches University: Graduate School of Traditional Chinese Medicine – Santa Cruz, CA” and an office clerk working for over $79,000 per year

Gita, an alumnus at “Five Branches University: Graduate School of Traditional Chinese Medicine – Santa Cruz, CA” and an office clerk in Sparta, Georgia wants a fast loan to purchase something frivolous. Gita has instead chosen to obtain an installment loan for $9,000 and is currently seeking lenders like Bank of Alapaha to process their request.

Contact Details for Bank of Hancock County, the provider of this fast loan

  • Bank of Hancock County
  • City: Sparta
  • State: Georgia
  • Address: 12855 Broad Street
  • County: Hancock
  • Zip code: 31087

Gita’s Overall FICO score at the time of acceptance for a fast loan, taking into account their office clerk job and their future career as a ceramic engineer

Fico Score: 407

Before applying for this fast loan, Gita had an Experian score of 419, which is bad, so Bank of Hancock County probably cannot provide Gita a fast loan

Experian Score: 419

6 Months Ago, Gita Tried to Find a High Risk Loan for $29,000.00, and it was Hard

There is an ongoing struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Gita. Gita decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit borrowers. Individuals with credit ratings as low as 368 can inquire for a high risk loan and have a chance to be approved.

When Gita was 20, they tried to obtain a student loan from 4 alternate lenders, which damaged their credit score. Below is a list of Gita’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on January 3, 2012
  • Attempt 2) Loan for $23,000.00 on April 4, 2011
  • Attempt 3) Loan for $24,000.00 on January 6, 2013
  • Attempt 4) Loan for $21,000.00 on June 27, 2010

Fast Loans for Gita in Sparta, Georgia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Sparta, Georgia aren’t actually that difficult to obtain, especially if you have some gumption like Gita. Gita was able to find a fast loan for $111000 from Monroe County Bank and First South Bank, National Association, but turned down both offers in favor of their fast loan from Bank of Hancock County. 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 6 weeks for installment loans. Much better in the case that a borrower is on the go.

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

Average debt consolidation loans vary from $37,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Gita needed a debt consolidation loan to pay for their existing fast loan and their payday loan. Gita was able to find a fast loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.8%.

Gita was not approved by Citizens Bank 6 times before being approved by Bank of Hancock County at 12855 Broad Street

On July 7, 2011, Gita inquired about borrowing $16,000 from The Citizens and Southern Bank of Colquitt County with Kathline, their in law from just outside Sparta, and even with the co-signer, Gita was rejected for this fast loan. With bad credit, it can be very hard to procure funding, even with collateral and a co-signer.

Gita has a very low current gross income, but has a high number of prospects

Gita has always wanted to be a ceramic engineer, but would have to attend “Five Branches University: Graduate School of Traditional Chinese Medicine – Santa Cruz, CA” again to achieve it. Gita has other prospects as well, including sales representatives, painters, and costume attendant, which pay $53,000 through to $100,000 per year, on average. Because of this, we believe that Gita can afford this fast loan of $111000.

Previous requests on Gita’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$119390.00 5 8.7% $2460.99 NationsBank of Florida, National Association May 6, 2013
$118570.00 8 7.1% $1622.46 Century Bank and Trust September 2, 2013
$118700.00 3 5.6% $3589.61 Bank of Madison March 4, 2015
$119170.00 5 8.2% $2427.76 Bank of Hazlehurst July 21, 2015
$119100.00 8 11.2% $1883.75 The Citizens and Southern Bank of Dublin September 13, 2015
Client Profile: Gita Hamlin of Sparta, Georgia
  • Full name (Changed if requested): Gita Hamlin
  • Current Credit: loans.hit.utils.Fico@3f91beef
  • Current City: Sparta
  • State: Georgia
  • Zip code: 31088
  • Yearly income: $35,000
  • Current Job: office clerk
  • Current County: Hancock
  • Goal Yearly Income: $96,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Conclusion of Gita’s fast loan

In the end, Gita was able to find a fast loan for $111000 with an interest rate of 6.7% interest APR from Bank of Hancock County in Sparta, Georgia repayable over 12 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.