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Low Rate Fast Loan For Onita In El Dorado, Arkansas

$108000 Fast Loan – El Dorado Arkansas, Credit Rating Of 499

  • Experian: 514 – This client had a bad Experian rating
  • Transunion: 480 – Onita had a bad credit rating with Transunion.
  • Equifax: Onita’s Experian score was 499, which is a bad credit score on the Experian scale.

Signature Loan found in El Dorado, Arkansas for $108000 with bad credit by Onita

Many prospective borrowers struggle with finding signature loans in El Dorado, Arkansas, and Onita is not an exception. Onita went to 7 lending institutions or more before settling on Citizens First Bank, who offered Onita a signature loan for $108000. Typical signature loans simply require a client, like Onita’s signature to get them, up to $45,000 in some cases. Onita was able to get $108000 as a fast loan, which is very high for a fast loan. Since signature loans don’t require a cosigner, these loans generally require higher credit, as high as 737

Previous requests on Onita’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$32780.00 5 11.3% $717.63 Bank of Weiner October 28, 2010
$32700.00 7 11.7% $572.01 Horizon Bank October 9, 2012
$32800.00 7 5.4% $469.78 Warren Bank and Trust Company June 22, 2013
$33250.00 11 6.4% $351.52 Boatmen’s Bank of Northeast Arkansas November 28, 2014
$33300.00 6 7.7% $578.99 The Security Bank May 23, 2015

Personal Loan for an avionics technician named Onita in El Dorado, Arkansas to Pay Off American Airlines AAdvantage Citi Bronze MasterCard for College Students

Onita had a tonne of credit card debt on their Walmart Credit Card and their Cincinnati Police Federal Credit Union Visa Credit Cards, and they were starting to get in over their heads. Despite Onita’s job as an avionics technician, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

8 Months Ago, Onita Tried Finding a High Risk Loan for $28,000.00, and it was Easy

It is an ongoing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Onita. Onita chose not to get a high risk loan this time. High Risk loans are given to very low credit clients. Clients with credit scores as low as 364 can inquire for a high risk loan and possibly can be approved.

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

Average debt consolidation loans range from $20,000.00 to $42,000.00. They are typically used to pay off existing high interest loans like credit cards. Onita required a debt consolidation loan to pay for their existing fast loan and their credit card. Onita was able to find a fast loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.5%.

Paraphrased and Standardized Quote from Onita for this fast loan of $108000, provided by Citizens First Bank

Hi, I am Onita and I am from El Dorado in Arkansas. Union, county is where I grew up, and now I need a fast loan in Arkansas for $108000 to buy a car. It wasn’t easy, but Citizens First Bank really came through for me with this loan for 11.0% interest APR and a term of 9 years. I can repay the loan over the 9 year term, including interest. A big thanks to Citizens First Bank for giving me a chance and my bad credit. It look me 7 years to create my credit to 499, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Fast Loans for Onita in El Dorado, Arkansas to prevent bankruptcy or harm from debt collectors.

Fast loans in El Dorado, Arkansas aren’t actually that difficult to obtain, particularly if you have some finesse like Onita. Onita was able to find a fast loan for $108000 from The Security Bank and River Valley Bank and Trust, but turned down both offers in favor of their fast loan from Citizens First Bank. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big difference in the case that a borrower is in a pinch.

Onita’s Transunion score was altered by the fast loan loan, changing to 480 from 499, which is typical in our experience.

Transunion Score: 480

When Onita was 22, they tried to obtain a student loan from 4 alternate lenders, which damaged their credit score. Below is a chronology of Onita’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on September 16, 2010
  • Attempt 2) Loan for $28,000.00 on September 1, 2013
  • Attempt 3) Loan for $25,000.00 on January 8, 2009
  • Attempt 4) Loan for $36,000.00 on August 26, 2012

Installment loan for Onita, a graduate of Shawsheen Valley School of Practical Nursing and an avionics technician working for over $60,000 per year

Onita, an alumnus at Shawsheen Valley School of Practical Nursing and an avionics technician in El Dorado, Arkansas needs a fast loan to purchase a car. Onita has instead chosen to get an installment loan for $5,000 and is currently seeking lenders like Horizon Bank to process their request.

Client Profile: Onita Mcisaac of El Dorado, Arkansas
  • Full name (Changed if requested): Onita Mcisaac
  • Current Credit: loans.hit.utils.Fico@2dda6444
  • Current City: El Dorado
  • State: Arkansas
  • Zip code: 71736
  • Yearly income: $44,000
  • Current Job: avionics technician
  • Current County: Union
  • Goal Yearly Income: $139,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Before applying for this fast loan, Onita had an Experian score of 514, which is bad, so Citizens First Bank probably cannot provide Onita a fast loan

Experian Score: 514

Onita has a very low current yearly income, but has a large amount of prospects

Onita has always wanted to be a mine inspector, but would need attend Shawsheen Valley School of Practical Nursing again to achieve it. Onita has other possibilities as well, including retail buyer, range manager, and order clerk, which pay $52,000 through to $98,000 per year, at least. Because of this, we believe that Onita can pay for this fast loan of $108000.

Onita’s Overall FICO score at the time of acceptance for a fast loan, taking into account their avionics technician job and their future job as a mine inspector

Fico Score: 499

Contact Details for Citizens First Bank, the provider of this fast loan

  • Citizens First Bank
  • City: El Dorado
  • State: Arkansas
  • Address: 100 East Peach Street
  • County: Union
  • Zip code: 71731

Onita was not approved by Signature Bank of Arkansas 4 times prior to being approved by Citizens First Bank at 100 East Peach Street

On November 27, 2012, Onita inquired about borrowing $5,000 from Bank of Cave City with Darcey, their friend from just outside El Dorado, and even with the co-signer, Onita was rejected for this fast loan. With bad credit, it can be difficult to procure funding, even with collateral and a co-signer.

Several past requests for credit have been made by Onita in the past, including one from Randleman Savings Bank, SSB in El Dorado, Arkansas before Onita was accepted for the $108000 by Citizens First Bank

Onita made 8 previous attempts to obtain a fast loan, 2 of which were with Randleman Savings Bank, SSB, a bank in El Dorado, Arkansas known to specialize in fast loans specifically. Prior to finding Citizens First Bank, Onita was concerned due to their inexperience and bad credit rating.

Conclusion of Onita’s fast loan

In the end, Onita was able to find a fast loan for $108000 with an interest rate of 7.1% interest APR from Citizens First Bank in El Dorado, Arkansas repayable over 9 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.