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High Risk Loan Of $152000 For Terrible Credit Mississippi Resident

$152000 High Risk Loan – Laurel Mississippi, Credit Rating Of 368

  • Experian: 387 – The client had a terrible Experian score
  • Transunion: 353 – Marya had a terrible credit score with Transunion.
  • Equifax: Marya’s Experian score was 368, which is a terrible credit rating with the Experian system.
Client Profile: Marya Rittichier of Laurel, Mississippi
  • Full name (Changed if requested): Marya Rittichier
  • Current Credit: loans.hit.utils.Fico@179d3b25
  • Current City: Laurel
  • State: Mississippi
  • Zip code: 39449
  • Yearly income: $44,000
  • Current Job: speech writer
  • Current County: Jones
  • Goal Yearly Income: $88,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Installment loan for Marya, a graduate of University of Baltimore and a speech writer working for over $69,000 per year

Marya, an alumnus at University of Baltimore and a speech writer in Laurel, Mississippi wants a high risk loan to purchase a new cell phone. Marya has instead decided to get an installment loan for $11,000 and is currently seeking lenders like The Delta National Bank of Yazoo City to process their request.

Fast Loans for Marya in Laurel, Mississippi to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Laurel, Mississippi aren’t actually that difficult to obtain, particularly if you have some finesse like Marya. Marya was able to find a fast loan for $152000 from First National Bank of Vicksburg and The National Bank of Commerce of Columbus, but turned down both offers in favor of their high risk loan from The Commercial National Bank and Trust Company of Laurel. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. Much better if a borrower is on the go.

Previous requests on Marya’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$130770.00 5 8.7% $2695.57 Peoples Bank of Durant September 26, 2012
$130780.00 4 8.2% $3205.01 Holmes County Bank & Trust Company November 24, 2013
$131250.00 9 6.8% $1628.18 The Bank of Sebastopol May 21, 2014
$131420.00 7 11.7% $2298.89 Merchants & Planters Bank May 30, 2014

Marya’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their speech writer job and their future job as a forestry and conservation professor

Fico Score: 368

Marya’s Transunion score was altered by the high risk loan loan, changing to 353 from 368, which is normal in our experience.

Transunion Score: 353

Contact Details for The Commercial National Bank and Trust Company of Laurel, the provider of this high risk loan

  • The Commercial National Bank and Trust Company of Laurel
  • City: Laurel
  • State: Mississippi
  • Address: 415 North Magnolia Street
  • County: Jones
  • Zip code: 39440

Paraphrased and Standardized Quote from Marya for this high risk loan of $152000, provided by The Commercial National Bank and Trust Company of Laurel

Hello, I am Marya and my hometown is Laurel in Mississippi. Jones, county is where I grew up, and now I need a high risk loan in Mississippi for $152000 to buy a car. It has been difficult, but The Commercial National Bank and Trust Company of Laurel really came through for me with this loan for 10.7% interest APR and a term of 8 years. I can repay the loan over the 8 year term, including interest. A big thanks to The Commercial National Bank and Trust Company of Laurel for giving me a chance and my terrible credit. It look me 6 years to create my credit to 368, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Before applying for this high risk loan, Marya had an Experian score of 387, which is terrible, so The Commercial National Bank and Trust Company of Laurel probably cannot provide Marya a high risk loan

Experian Score: 387

Signature Loan easily acquired in Laurel, Mississippi for $152000 with terrible credit by Marya

A lot of borrowers have difficulty with obtaining signature loans in Laurel, Mississippi, and Marya is no exception. Marya went to 6 lending institutions or more prior to settling on The Commercial National Bank and Trust Company of Laurel, who offered Marya a signature loan for $152000. Most signature loans simply need a client, like Marya’s signature to obtain them, up to $40,000 in some cases. Marya was able to get $152000 as a high risk loan, which is very high for a high risk loan. Because signature loans do not need collateral, they generally require higher credit, as high as 754

Personal Loan for a speech writer named Marya in Laurel, Mississippi to Pay Off First Responders Financial Credit Card

Marya had a tonne of credit card debt on their Macy’s American Express Card and their RBC British Airways Visa Infinite, and they were starting to get in over their heads. Despite Marya’s job as a speech writer, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

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

Marya has always wanted to be a forestry and conservation professor, but would need attend University of Baltimore again to become one. Marya has other prospects as well, including park naturalist, pbx installer and repairer, and home health aide, which pay $56,000 through to $90,000 per year, at least. Because of this, we think that Marya can pay for this high risk loan of $152000.

When Marya was 23, they tried to obtain a student loan from 4 different banks, which damaged their credit score. Below is a list of Marya’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on August 30, 2011
  • Attempt 2) Loan for $28,000.00 on October 11, 2010
  • Attempt 3) Loan for $31,000.00 on December 19, 2010
  • Attempt 4) Loan for $30,000.00 on May 17, 2009

Several past requests for credit have been made by Marya in the past, including one from The Marion National Bank in Laurel, Mississippi before Marya was accepted for the $152000 by The Commercial National Bank and Trust Company of Laurel

Marya made 7 previous tries to obtain a high risk loan, 2 of which were with The Marion National Bank, a bank in Laurel, Mississippi known to specialize in high risk loans specifically. Prior to finding The Commercial National Bank and Trust Company of Laurel, Marya was concerned due to their inexperience and terrible credit score.

8 Months Ago, Marya Attempted Finding a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Marya. Marya chose not to get a high risk loan this time. High Risk loans are given to bad credit borrowers. Clients with credit scores as low as 551 can inquire for a high risk loan and possibly can be accepted.

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $33,000.00 to $43,000.00. They are typically used to pay off existing high interest loans like credit cards. Marya required a debt consolidation loan to pay for their existing high risk loan and their loan shark loan. Marya was able to find a high risk loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 3.6%.

Marya was rejected by The Bank of Sebastopol 6 times before being granted funding by The Commercial National Bank and Trust Company of Laurel at 415 North Magnolia Street

On October 27, 2011, Marya applied about borrowing $29,000 from Merchants & Planters Bank with Latonia, their in law from just outside Laurel, and even with the co-signer, Marya was rejected for this high risk loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Conclusion of Marya’s high risk loan

In the end, Marya was able to find a high risk loan for $152000 with an interest rate of 6.2% interest APR from The Commercial National Bank and Trust Company of Laurel in Laurel, Mississippi repayable over 8 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.