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Personal Loan For $120000 Near 19460, Pennsylvania With A Credit Score Of 486

$120000 Personal Loan – Phoenixville Pennsylvania, Credit Rating Of 486

  • Experian: 500 – The client had a bad Experian score
  • Transunion: 471 – Stephany had a bad credit score with Transunion.
  • Equifax: Stephany’s Experian score was 486, which is a bad credit rating on the Experian rating scheme.

Before applying for this personal loan, Stephany had an Experian score of 500, which is bad, so Customers Bank likely can provide Stephany a personal loan

Experian Score: 500

Stephany has a disappointing current yearly income, but has a high number of prospects

Stephany has always wanted to be a controller, but would have to attend Everest College – Portland again to achieve it. Stephany has other prospects as well, including athletic trainer, employee benefits analyst, and industrial designer, which pay $56,000 through to $90,000 per year, on average. Because of this, we think that Stephany can afford this personal loan of $120000.

Signature Loan acquired in Phoenixville, Pennsylvania for $120000 with bad credit by Stephany

A lot of borrowers have difficulty with finding signature loans in Phoenixville, Pennsylvania, and Stephany is no different. Stephany went to 5 lenders or more before finding Customers Bank, who offered Stephany a signature loan for $120000. Most signature loans simply need a client, like Stephany’s signature to get them, up to $45,000 in some cases. Stephany was able to get $120000 as a personal loan, which is very high for a personal loan. Because signature loans don’t need collateral, they generally need better credit, as high as 739

Stephany was not approved by The Houtzdale Bank 7 times before being accepted by Customers Bank at 99 Bridge St

On April 11, 2011, Stephany inquired about borrowing $43,000 from The Fidelity Bank with Roscoe, their in law from just outside Phoenixville, and even with the co-signer, Stephany was rejected for this personal loan. With bad credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Stephany’s Transunion score was altered by the personal loan loan, changing to 471 from 486, which is normal in our experience.

Transunion Score: 471

Installment loan for Stephany, a graduate of Everest College – Portland and a social welfare administrator working for over $76,000 per year

Stephany, an alumnus at Everest College – Portland and a social welfare administrator in Phoenixville, Pennsylvania wants a personal loan to purchase a new cell phone. Stephany has instead decided to get an installment loan for $9,000 and is currently seeking lenders like Provident National Bank to process their request.

When Stephany was 21, they tried to obtain a student loan from 5 different banks, which damaged their credit score. Below is a list of Stephany’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on December 5, 2009
  • Attempt 2) Loan for $38,000.00 on June 22, 2011
  • Attempt 3) Loan for $23,000.00 on September 4, 2009
  • Attempt 4) Loan for $32,000.00 on March 4, 2011
  • Attempt 5) Loan for $29,000.00 on December 31, 2008

Fast Loans for Stephany in Phoenixville, Pennsylvania to prevent bankruptcy or harm from debt collectors.

Fast loans in Phoenixville, Pennsylvania aren’t actually that difficult to obtain, especially if you have some finesse like Stephany. Stephany was able to find a fast loan for $120000 from The People’s Bank of Oxford and Green Ridge Bank, but turned down both offers in favor of their personal loan from Customers Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement if a borrower is on the go.

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

Normal debt consolidation loans range from $38,000.00 to $59,000.00. They are mainly used to pay off existing high interest loans like credit cards. Stephany required a debt consolidation loan to pay for their existing personal loan and their credit card. Stephany was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.8%.

Personal Loan for a social welfare administrator named Stephany in Phoenixville, Pennsylvania to Pay Off Sam’s Club Business Credit Card

Stephany had a lot of credit card debt on their Amalgamated Bank MasterCard Gold Plus and their Fulton Bank of New Jersey College Rewards Visa Card, and they were starting to get in over their heads. Despite Stephany’s job as a social welfare administrator, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Many previous requests for credit have been made by Stephany in the past, including one from The Bank of East Alabama in Phoenixville, Pennsylvania before Stephany was accepted for the $120000 by Customers Bank

Stephany made 9 previous attempts to obtain a personal loan, 2 of which were with The Bank of East Alabama, a bank in Phoenixville, Pennsylvania known to specialize in personal loans specifically. Before finding Customers Bank, Stephany was concerned due to their inexperience and bad credit score.

Stephany’s Overall FICO score at the time of acceptance for a personal loan, taking into account their social welfare administrator job and their future job as a controller

Fico Score: 486

Client Profile: Stephany Knott of Phoenixville, Pennsylvania
  • Full name (Changed if requested): Stephany Knott
  • Current Credit: loans.hit.utils.Fico@26a1ab54
  • Current City: Phoenixville
  • State: Pennsylvania
  • Zip code: 19465
  • Yearly income: $38,000
  • Current Job: social welfare administrator
  • Current County: Chester
  • Goal Yearly Income: $114,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Previous requests on Stephany’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$74880.00 6 6.3% $1251.61 The People’s Bank of Oxford February 5, 2012
$75210.00 4 9.8% $1900.3 First Lehigh Bank July 3, 2012
$75320.00 7 9.1% $1215.66 SunBank February 9, 2013
$74780.00 10 8.4% $923.17 Merchants Bank (North) July 27, 2014
$74530.00 8 7.7% $1042.28 Green Ridge Bank December 27, 2014

Paraphrased and Standardized Quote from Stephany for this personal loan of $120000, provided by Customers Bank

Hello, I am Stephany and I’m from Phoenixville in Pennsylvania. Chester, county is where I grew up, and now I need a personal loan in Pennsylvania for $120000 to pay bills. It has been difficult, but Customers Bank really came through for me with this loan for 7.5% interest APR and a term of 2 years. I can repay the loan over the 2 year term, including interest. A big thanks to Customers Bank for trusting me and my bad credit. It look me 6 years to build my credit to 486, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.

9 Months in the Past, Stephany Tried Finding a High Risk Loan for $37,000.00, and it was Easy

It is an well known struggle for borrowers to get 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 frightening to borrowers like Stephany. Stephany decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Clients with credit ratings as low as 375 can apply for a high risk loan and may be be accepted.

Contact Details for Customers Bank, the provider of this personal loan

  • Customers Bank
  • City: Phoenixville
  • State: Pennsylvania
  • Address: 99 Bridge St
  • County: Chester
  • Zip code: 19460

Conclusion of Stephany’s personal loan

In the end, Stephany was able to find a personal loan for $120000 with an interest rate of 6.7% interest APR from Customers Bank in Phoenixville, Pennsylvania repayable over 2 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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