$192000 Private Loan – Pawnee Oklahoma, Credit Score Of 540
- Experian: 551 – They had a fair Experian score
- Transunion: 524 – Wanita had a fair credit rating with Transunion.
- Equifax: Wanita’s Experian score was 540, which is a fair credit score with the Experian rating scheme.
Wanita was declined by Cleo State Bank 7 times before being approved by The First National Bank of Pawnee at 601 Harrison Street
On June 9, 2011, Wanita applied about borrowing $17,000 from The First State Bank with Thomasena, their friend from just outside Pawnee, and even with the co-signer, Wanita was rejected for this private loan. With fair credit, it can be difficult to procure funding, even with collateral and a co-signer.
Paraphrased and Standardized Quote from Wanita for this private loan of $192000, provided by The First National Bank of Pawnee
Hi, I am Wanita and I’m from Pawnee in Oklahoma. Pawnee, county is where I grew up, and now I need a private loan in Oklahoma for $192000 to pay bills. It wasn’t easy, but The First National Bank of Pawnee really came through for me with this loan for 7.8% interest APR and a term of 23 years. I can repay the loan over the 23 year term, including interest. A big thanks to The First National Bank of Pawnee for giving me a chance and my fair credit. It look me 9 years to create my credit to 540, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.
Previous requests on Wanita’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$77210.00||7||5.3%||$1102.2||The First State Bank||August 14, 2010|
|$76550.00||10||8.8%||$961.44||Security Bank and Trust Company||March 12, 2013|
|$76720.00||4||5.5%||$1784.24||The First State Bank, Willow, Okla.||August 20, 2013|
|$77390.00||5||5.6%||$1481.81||Sooner State Bank||February 6, 2014|
|$76580.00||3||9.6%||$2456.66||The Farmers State Bank||September 15, 2014|
Wanita has a sad current gross income, but has several of prospects
Wanita has always wanted to be a bus driver, but would need attend University of Minnesota – Twin Cities again to become one. Wanita has other possibilities as well, including physician’s assistant, cost accountant, and student financial aid administrator, which pay $56,000 through to $107,000 per year, at least. Because of this, we believe that Wanita can afford this private loan of $192000.
Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $35,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Wanita required a debt consolidation loan to pay for their existing private loan and their loan shark loan. Wanita was able to find a private loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.8%.
Before applying for this private loan, Wanita had an Experian score of 551, which is fair, so The First National Bank of Pawnee most likely cannot provide Wanita a private loan
Fast Loans for Wanita in Pawnee, Oklahoma to prevent bankruptcy or harm from debt collectors.
Fast loans in Pawnee, Oklahoma aren’t actually that difficult to obtain, especially if you have some finesse like Wanita. Wanita was able to find a fast loan for $192000 from Bank of Commerce and First State Bank, but turned down both offers in favor of their private loan from The First National Bank of Pawnee. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement if a client is on the go.
Wanita’s Transunion score was changed by the private loan loan, changing to 524 from 540, which is normal in our experience.
Personal Loan for a parking lot attendant named Wanita in Pawnee, Oklahoma to Pay Off Amalgamated Bank MasterCard Standard Plus
Wanita had a tonne of credit card debt on their Fifth Third Business Rewards MasterCard and their Stephen F. Austin Alumni Association Platinum Plus MasterCard with WorldPoints Rewards, and they were starting to get in over their heads. Despite Wanita’s job as a parking lot attendant, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Installment loan for Wanita, a graduate of University of Minnesota – Twin Cities and a parking lot attendant working for over $64,000 per year
Wanita, an alumnus at University of Minnesota – Twin Cities and a parking lot attendant in Pawnee, Oklahoma wants a private loan to purchase something frivolous. Wanita has instead chosen to obtain an installment loan for $13,000 and is at present seeking lenders like American Exchange Bank to provide it.
- Full name (Changed if requested): Wanita Hogans
- Current Credit: loans.hit.utils.Fico@50040f0c
- Current City: Pawnee
- State: Oklahoma
- Zip code: 74060
- Yearly income: $60,000
- Current Job: parking lot attendant
- Current County: Pawnee
- Goal Yearly Income: $134,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $0
Multiple past requests for credit have been made by Wanita in the past, including one from First Federal Savings and Loan Association in Pawnee, Oklahoma before Wanita was accepted for the $192000 by The First National Bank of Pawnee
Wanita made 6 prior attempts to obtain a private loan, 2 of which were with First Federal Savings and Loan Association, a bank in Pawnee, Oklahoma known to specialize in private loans specifically. Prior to finding The First National Bank of Pawnee, Wanita was desperate due to their inexperience and fair credit score.
9 Months in the Past, Wanita Attempted Finding a High Risk Loan for $26,000.00, and it was Easy
There is an ongoing struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Wanita. Wanita decided not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Borrowers with credit ratings as low as 353 can apply for a high risk loan and have a chance to be accepted.
When Wanita was 19, they attempted to obtain a student loan from 4 alternate lenders, which damaged their credit rating. Below is a list of Wanita’s prior attempts at finding a student loan:
- Attempt 1) Loan for $25,000.00 on August 21, 2011
- Attempt 2) Loan for $34,000.00 on July 1, 2011
- Attempt 3) Loan for $38,000.00 on January 9, 2011
- Attempt 4) Loan for $21,000.00 on September 17, 2010
Signature Loan easily acquired in Pawnee, Oklahoma for $192000 with fair credit by Wanita
A lot of prospective borrowers struggle with finding signature loans in Pawnee, Oklahoma, and Wanita is the same. Wanita went to 7 lenders or more before finding The First National Bank of Pawnee, who offered Wanita a signature loan for $192000. Typical signature loans simply require a client, like Wanita’s signature to obtain them, up to $22,000 in some cases. Wanita was able to get $192000 as a private loan, which is very high for a private loan. Since signature loans do not require a cosigner, these loans generally need higher credit, as high as 742
Wanita’s Overall FICO score at the time of acceptance for a private loan, taking into account their parking lot attendant job and their future job as a bus driver
Contact Details for The First National Bank of Pawnee, the provider of this private loan
- The First National Bank of Pawnee
- City: Pawnee
- State: Oklahoma
- Address: 601 Harrison Street
- County: Pawnee
- Zip code: 74058
Conclusion of Wanita’s private loan
In the end, Wanita was able to find a private loan for $192000 with an interest rate of 11.0% interest APR from The First National Bank of Pawnee in Pawnee, Oklahoma repayable over 23 years from today.