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Private Loan For $30000 Near 19610, Pennsylvania With A Credit Score Of 407

$30000 Private Loan – Wyomissing Pennsylvania, Credit Score Of 407

  • Experian: 423 – This individual had a bad Experian score
  • Transunion: 392 – Claretha had a bad credit rating with Transunion.
  • Equifax: Claretha’s Experian score was 407, which is a bad credit rating with the Experian scale.
Client Profile: Claretha Tomkiewicz of Wyomissing, Pennsylvania
  • Full name (Changed if requested): Claretha Tomkiewicz
  • Current Credit: loans.hit.utils.Fico@238e0d81
  • Current City: Wyomissing
  • State: Pennsylvania
  • Zip code: 19614
  • Yearly income: $56,000
  • Current Job: loan counselor
  • Current County: Berks
  • Goal Yearly Income: $142,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

6 Months Ago, Claretha Tried to Find a High Risk Loan for $27,000.00, and it was Hard

There is an existing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Claretha. Claretha chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Individuals with credit scores as low as 568 can inquire for a high risk loan and have a chance to be accepted.

Contact Details for Affinity Bank of Pennsylvania, the provider of this private loan

  • Affinity Bank of Pennsylvania
  • City: Wyomissing
  • State: Pennsylvania
  • Address: 1310 Broadcasting Road
  • County: Berks
  • Zip code: 19610

Claretha’s Transunion score was changed by the private loan loan, changing to 392 from 407, which is normal in our experience.

Transunion Score: 392

Claretha was rejected by Continental Bank 5 times before being granted funding by Affinity Bank of Pennsylvania at 1310 Broadcasting Road

On June 30, 2010, Claretha inquired about borrowing $45,000 from Saucon Valley Trust Company with Giuseppina, their in law from just outside Wyomissing, and even with the co-signer, Claretha was rejected for this private loan. With bad credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Previous requests on Claretha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$40630.00 10 6.3% $457.22 The People’s Bank of Oxford August 9, 2009
$41450.00 8 11.3% $657.84 First Lehigh Bank September 24, 2009
$40570.00 3 7.1% $1254.54 SunBank June 6, 2010
$41470.00 11 9.7% $512.18 Merchants Bank (North) February 16, 2012

When Claretha was 20, they tried to obtain a student loan from 5 alternate banks, which damaged their credit rating. Below is a chronology of Claretha’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on September 6, 2012
  • Attempt 2) Loan for $22,000.00 on September 11, 2011
  • Attempt 3) Loan for $34,000.00 on September 10, 2010
  • Attempt 4) Loan for $25,000.00 on January 12, 2010
  • Attempt 5) Loan for $24,000.00 on March 17, 2011

Before applying for this private loan, Claretha had an Experian score of 423, which is bad, so Affinity Bank of Pennsylvania likely cannot provide Claretha a private loan

Experian Score: 423

Personal Loan for a loan counselor named Claretha in Wyomissing, Pennsylvania to Pay Off First Niagara Pinnacle Platinum MasterCard

Claretha had a tonne of credit card debt on their Franklin Templeton Bank & Trust Platinum MasterCard and their Barneys New York Credit Card, and they were starting to get in over their heads. Despite Claretha’s job as a loan counselor, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Claretha has a disappointing current gross income, but has a large amount of prospects

Claretha has always wanted to be a hazardous waste management analyst, but would have to attend University of Phoenix again to become one. Claretha has other possibilities as well, including missing person investigator, aircraft launch and recovery specialist, and athletic director, which pay $59,000 through to $93,000 per year, on average. Because of this, we believe that Claretha can pay for this private loan of $30000.

Installment loan for Claretha, a graduate of University of Phoenix and a loan counselor working for over $69,000 per year

Claretha, an alumnus at University of Phoenix and a loan counselor in Wyomissing, Pennsylvania needs a private loan to purchase a car. Claretha has instead chosen to get an installment loan for $8,000 and is currently seeking lenders like The Bridgeville Trust Company to provide it.

Fast Loans for Claretha in Wyomissing, Pennsylvania to prevent bankruptcy or harm from debt collectors.

Fast loans in Wyomissing, Pennsylvania aren’t actually that difficult to obtain, especially if you have some gumption like Claretha. Claretha was able to find a fast loan for $30000 from The Bridgeville Trust Company and Farmers and Merchants Bank of Cherry Tree, Pa., but turned down both offers in favor of their private loan from Affinity Bank of Pennsylvania. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. Much better if you are in a time sensitive situation.

Multiple past requests for credit have been made by Claretha in the past, including one from First National Bank in Wyomissing, Pennsylvania before Claretha was accepted for the $30000 by Affinity Bank of Pennsylvania

Claretha made 8 previous attempts to obtain a private loan, 2 of which were with First National Bank, a lender in Wyomissing, Pennsylvania known to specialize in private loans specifically. Prior to finding Affinity Bank of Pennsylvania, Claretha was very concerned due to their inexperience and bad credit score.

Claretha’s Overall FICO score at the time of acceptance for a private loan, taking into account their loan counselor job and their future job as a hazardous waste management analyst

Fico Score: 407

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans range from $39,000.00 to $44,000.00. They are mainly used to pay off existing high interest loans like credit cards. Claretha needed a debt consolidation loan to pay for their existing private loan and their payday loan. Claretha was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.4%.

Signature Loan easily acquired in Wyomissing, Pennsylvania for $30000 with bad credit by Claretha

Most clients struggle with finding signature loans in Wyomissing, Pennsylvania, and Claretha is no different. Claretha went to 7 lenders or more prior to settling on Affinity Bank of Pennsylvania, who offered Claretha a signature loan for $30000. Most signature loans simply need a client, like Claretha’s signature to obtain them, up to $27,000 in some cases. Claretha was able to get $30000 as a private loan, which is very high for a private loan. Because signature loans do not require a cosigner, these loans tend to require improved credit, as high as 712

Paraphrased and Standardized Quote from Claretha for this private loan of $30000, provided by Affinity Bank of Pennsylvania

Hi, I am Claretha and I am from Wyomissing in Pennsylvania. Berks, county is where I grew up, and now I need a private loan in Pennsylvania for $30000 to renovate my home. It has been difficult, but Affinity Bank of Pennsylvania really came through for me with this loan for 9.7% 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 Affinity Bank of Pennsylvania for giving me a chance and my bad credit. It look me 6 years to create my credit to 407, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Conclusion of Claretha’s private loan

In the end, Claretha was able to find a private loan for $30000 with an interest rate of 11.2% interest APR from Affinity Bank of Pennsylvania in Wyomissing, Pennsylvania 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.