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Personal Loan For $24000 Near 73701, Oklahoma With A Credit Score Of 646

$24000 Personal Loan – Enid Oklahoma, Credit Score Of 646

  • Experian: 657 – The client had a good Experian rating
  • Transunion: 628 – Hildred had a good credit rating with Transunion.
  • Equifax: Hildred’s Experian score was 646, which is a good credit rating with the Experian rating scheme.

Contact Details for Liberty FSB, the provider of this personal loan

  • Liberty FSB
  • City: Enid
  • State: Oklahoma
  • Address: 401 West Broadway
  • County: Garfield
  • Zip code: 73701

Hildred has a disappointing current yearly income, but has a large amount of prospects

Hildred has always wanted to be a brattice builder, but would have to attend Friends University again to achieve it. Hildred has other possibilities as well, including delivery driver, caption writer, and respiratory therapist, which pay $54,000 through to $107,000 per year, on average. Because of this, we believe that Hildred can afford this personal loan of $24000.

Many other requests for credit have been made by Hildred in the past, including one from Bank of Deerfield in Enid, Oklahoma before Hildred was approved for the $24000 by Liberty FSB

Hildred made 7 previous tries to obtain a personal loan, 2 of which were with Bank of Deerfield, a bank in Enid, Oklahoma known to specialize in personal loans specifically. Before finding Liberty FSB, Hildred was very concerned due to their inexperience and good credit score.

Paraphrased and Standardized Quote from Hildred for this personal loan of $24000, provided by Liberty FSB

Hi, I am Hildred and I’m from Enid in Oklahoma. Garfield, county is where I grew up, and now I need a personal loan in Oklahoma for $24000 to buy a big ticket item. It wasn’t easy, but Liberty FSB really came through for me with this loan for 6.6% interest APR and a term of 10 years. I can probably repay the loan over the 10 year term, including interest. A big thanks to Liberty FSB for giving me a chance and my good credit. It look me 4 years to build my credit to 646, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.

Fast Loans for Hildred in Enid, Oklahoma to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Enid, Oklahoma aren’t actually that difficult to obtain, especially if you have some finesse like Hildred. Hildred was able to find a fast loan for $24000 from Bank of Vici and Cleo State Bank, but turned down both offers in favor of their personal loan from Liberty FSB. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement if a client is in a pinch.

Signature Loan easily acquired in Enid, Oklahoma for $24000 with good credit by Hildred

Most prospective borrowers struggle with obtaining signature loans in Enid, Oklahoma, and Hildred is not an exception. Hildred went to 4 lending institutions or more before settling on Liberty FSB, who offered Hildred a signature loan for $24000. Most signature loans simply need a client, like Hildred’s signature to obtain them, up to $21,000 in some cases. Hildred was able to get $24000 as a personal loan, which is very high for a personal loan. Because signature loans don’t need a cosigner, they generally require improved credit, as high as 780

Personal Loan for a computer controlled machine tool operator named Hildred in Enid, Oklahoma to Pay Off Arcadia University Platinum Plus MasterCard with WorldPoints Rewards

Hildred had a lot of credit card debt on their First Federal Community Bank Credit Cards and their Amazon.com Store Card, and they were starting to get in over their heads. Despite Hildred’s job as a computer controlled machine tool operator, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $28,000.00 to $50,000.00. They are typically used to pay off existing high interest loans like credit cards. Hildred needed a debt consolidation loan to pay for their existing personal loan and their payday loan. Hildred was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.4%.

Hildred was rejected by High Plains Bank 5 times prior to being granted funding by Liberty FSB at 401 West Broadway

On July 19, 2010, Hildred applied about borrowing $19,000 from The Liberty State Bank of Tahlequah, Oklahoma with Nickie, their friend from just outside Enid, and even with the co-signer, Hildred was rejected for this personal loan. With good credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Hildred’s Overall FICO score at the time of acceptance for a personal loan, taking into account their computer controlled machine tool operator job and their future job as a brattice builder

Fico Score: 646

Hildred’s Transunion score was changed by the personal loan loan, changing to 628 from 646, which is typical in our experience.

Transunion Score: 628

Client Profile: Hildred Ezechu of Enid, Oklahoma
  • Full name (Changed if requested): Hildred Ezechu
  • Current Credit: loans.hit.utils.Fico@238e0d81
  • Current City: Enid
  • State: Oklahoma
  • Zip code: 73708
  • Yearly income: $39,000
  • Current Job: computer controlled machine tool operator
  • Current County: Garfield
  • Goal Yearly Income: $148,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

9 Months Ago, Hildred Attempted to Find a High Risk Loan for $26,000.00, and it was Hard

It is an ongoing struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Hildred. Hildred chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Clients with credit scores as low as 510 can inquire for a high risk loan and have a chance to be approved.

Before applying for this personal loan, Hildred had an Experian score of 657, which is good, so Liberty FSB probably cannot provide Hildred a personal loan

Experian Score: 657

Previous requests on Hildred’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$89800.00 10 9.5% $1161.99 The First State Bank June 16, 2013
$90160.00 11 9.2% $1088.37 Security Bank and Trust Company September 20, 2013
$89660.00 6 5.7% $1473.26 The First State Bank, Willow, Okla. October 6, 2013
$90160.00 3 8.5% $2846.13 Sooner State Bank February 25, 2015
$90240.00 4 5.5% $2098.66 The Farmers State Bank April 20, 2015

When Hildred was 19, they tried to obtain a student loan from 4 alternate lenders, which damaged their credit rating. Below is a chronology of Hildred’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on May 25, 2010
  • Attempt 2) Loan for $22,000.00 on October 4, 2010
  • Attempt 3) Loan for $20,000.00 on April 8, 2013
  • Attempt 4) Loan for $38,000.00 on May 19, 2010

Installment loan for Hildred, a graduate of Friends University and a computer controlled machine tool operator working for over $66,000 per year

Hildred, an alumnus at Friends University and a computer controlled machine tool operator in Enid, Oklahoma wants a personal loan to purchase a new cell phone. Hildred has instead chosen to obtain an installment loan for $3,000 and is currently seeking lenders like Cleo State Bank to process their request.

Conclusion of Hildred’s personal loan

In the end, Hildred was able to find a personal loan for $24000 with an interest rate of 5.2% interest APR from Liberty FSB in Enid, Oklahoma repayable over 10 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.