$102000 Emergency Loan – Elkins West Virginia, Credit Rating Of 517
- Experian: 531 – They had a fair Experian rating
- Transunion: 500 – Kelley had a fair credit score with Transunion.
- Equifax: Kelley’s Experian score was 517, which is a fair credit score on the Experian rating scheme.
Previous requests on Kelley’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$10480.00||5||6.7%||$206.04||Wesbanco Bank Sistersville||June 3, 2009|
|$9600.00||4||7.8%||$233.46||Wesbanco Bank, Inc.||March 17, 2013|
|$10320.00||9||7.7%||$132.75||Peoples State Bank, National Association||April 7, 2013|
|$10390.00||6||11.6%||$200.97||Kanawha Banking & Trust Company National Association||October 26, 2014|
|$9510.00||6||8.1%||$167.21||One Valley Bank, National Association||January 12, 2015|
Contact Details for Davis Trust Company, the provider of this emergency loan
- Davis Trust Company
- City: Elkins
- State: West Virginia
- Address: 227 Davis Avenue
- County: Randolph
- Zip code: 26241
Installment loan for Kelley, a graduate of University of Phoenix and a switchboard operator working for over $64,000 per year
Kelley, an alumnus at University of Phoenix and a switchboard operator in Elkins, West Virginia wants an emergency loan to purchase a house. Kelley has instead chosen to get an installment loan for $25,000 and is currently seeking lenders like One Valley Bank of Oak Hill, Inc. to provide it.
6 Months Ago, Kelley Tried to Find a High Risk Loan for $38,000.00, and it was Hard
There is an well known struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Kelley. Kelley decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Individuals with credit ratings as low as 395 can inquire for a high risk loan and may be be approved.
Fast Loans for Kelley in Elkins, West Virginia to prevent bankruptcy or harm from debt collectors.
Fast loans in Elkins, West Virginia aren’t actually that difficult to obtain, particularly if you have some finesse like Kelley. Kelley was able to find a fast loan for $102000 from Traders Bank and Bank of Follansbee, but declined both offers in favor of their emergency loan from Davis Trust Company. The difference 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. A big difference if a borrower is in a time sensitive situation.
Signature Loan acquired in Elkins, West Virginia for $102000 with fair credit by Kelley
Many clients struggle with finding signature loans in Elkins, West Virginia, and Kelley is no exception. Kelley went to 4 lenders or more before finding Davis Trust Company, who offered Kelley a signature loan for $102000. Most signature loans simply require a client, like Kelley’s signature to get them, up to $34,000 in some cases. Kelley was able to get $102000 as a emergency loan, which is very high for an emergency loan. Because signature loans do not need collateral, they tend to require better credit, as high as 756
Paraphrased and Standardized Quote from Kelley for this emergency loan of $102000, provided by Davis Trust Company
Hi, I am Kelley and I’m from Elkins in West Virginia. Randolph, county is where I grew up, and now I need a emergency loan in West Virginia for $102000 to pay bills. It wasn’t easy, but Davis Trust Company really came through for me with this loan for 7.6% interest APR and a term of 22 years. I can repay the loan over the 22 year term, including interest. A big thanks to Davis Trust Company for trusting me and my fair credit. It look me 4 years to create my credit to 517, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.
Kelley has a very low current yearly income, but has a high number of prospects
Kelley has always wanted to be a dietitian and nutritionist, but would need attend University of Phoenix again to become one. Kelley has other prospects as well, including alcohol & drug abuse assistance coordinator, clinical sociologist, and computer software technician, which pay $54,000 through to $90,000 per year, on average. Because of this, we believe that Kelley can afford this emergency loan of $102000.
Before applying for this emergency loan, Kelley had an Experian score of 531, which is fair, so Davis Trust Company most likely cannot provide Kelley an emergency loan
Kelley was not approved by Wesbanco Bank Parkersburg 4 times before being approved by Davis Trust Company at 227 Davis Avenue
On September 11, 2011, Kelley applied about borrowing $21,000 from Clear Mountain Bank with Jamie, their friend from just outside Elkins, and even with the co-signer, Kelley was rejected for this emergency loan. With fair credit, it can be very hard to obtain funding, even with collateral and a co-signer.
Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans vary from $27,000.00 to $57,000.00. They are normally used to pay off existing high interest loans like credit cards. Kelley required a debt consolidation loan to pay for their existing emergency loan and their payday loan. Kelley was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.0%.
Kelley’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their switchboard operator job and their future job as a dietitian and nutritionist
Kelley’s Transunion score was altered by the emergency loan loan, changing to 500 from 517, which is typical in our experience.
- Full name (Changed if requested): Kelley Dukich
- Current Credit: loans.hit.utils.Fico@5b6f7412
- Current City: Elkins
- State: West Virginia
- Zip code: 26244
- Yearly income: $30,000
- Current Job: switchboard operator
- Current County: Randolph
- Goal Yearly Income: $123,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
When Kelley was 21, they tried to obtain a student loan from 4 different lenders, which damaged their credit rating. Below is a list of Kelley’s prior attempts at finding a student loan:
- Attempt 1) Loan for $38,000.00 on January 24, 2012
- Attempt 2) Loan for $25,000.00 on July 16, 2010
- Attempt 3) Loan for $20,000.00 on June 9, 2009
- Attempt 4) Loan for $20,000.00 on June 17, 2009
Personal Loan for a switchboard operator named Kelley in Elkins, West Virginia to Pay Off Harley-Davidson Visa Signature Card
Kelley had a tonne of credit card debt on their BankUnited Maximum Rewards Platinum Edition Visa Card and their The Western PA Humane Society Visa Platinum Rewards Card, and they were starting to get in over their heads. Despite Kelley’s job as a switchboard operator, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Multiple past requests for credit have been made by Kelley in the past, including one from HSBC Bank Nevada, National Association in Elkins, West Virginia before Kelley was approved for the $102000 by Davis Trust Company
Kelley made 8 prior attempts to obtain an emergency loan, 2 of which were with HSBC Bank Nevada, National Association, a bank in Elkins, West Virginia known to specialize in emergency loans specifically. Prior to finding Davis Trust Company, Kelley was desperate due to their inexperience and fair credit rating.
Conclusion of Kelley’s emergency loan
In the end, Kelley was able to find an emergency loan for $102000 with an interest rate of 11.7% interest APR from Davis Trust Company in Elkins, West Virginia repayable over 22 years from now.