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Private Loan With Low APR In Kanawha County, West Virginia

$8000 Private Loan – Charleston West Virginia, Credit Rating Of 512

  • Experian: 530 – This individual had a fair Experian score
  • Transunion: 499 – Marta had a fair credit rating with Transunion.
  • Equifax: Marta’s Experian score was 512, which is a fair credit rating using the Experian system.

Marta was not approved by First Peoples Bank, Inc. 5 times prior to being granted funding by Evergreen Federal Savings Bank at 200 Bradford Street

On December 11, 2011, Marta applied about borrowing $12,000 from Traders Bank with Katheleen, their friend from just outside Charleston, and even with the co-signer, Marta was rejected for this private loan. With fair credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Contact Details for Evergreen Federal Savings Bank, the provider of this private loan

  • Evergreen Federal Savings Bank
  • City: Charleston
  • State: West Virginia
  • Address: 200 Bradford Street
  • County: Kanawha
  • Zip code: 25332

Before applying for this private loan, Marta had an Experian score of 530, which is fair, so Evergreen Federal Savings Bank most likely cannot provide Marta a private loan

Experian Score: 530

Marta’s Overall FICO score at the time of acceptance for a private loan, taking into account their pharmacy technician job and their future career as an aircraft mechanic

Fico Score: 512

When Marta was 21, they attempted to obtain a student loan from 4 different lenders, which harmed their credit score. Below is a list of Marta’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on August 25, 2010
  • Attempt 2) Loan for $25,000.00 on December 6, 2010
  • Attempt 3) Loan for $20,000.00 on July 4, 2009
  • Attempt 4) Loan for $24,000.00 on May 7, 2011

9 Months in the Past, Marta Attempted Finding a High Risk Loan for $21,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Marta. Marta chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit borrowers. Clients with credit ratings as low as 528 can apply for a high risk loan and have a chance to be accepted.

Previous requests on Marta’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$96790.00 6 6.4% $1622.43 Wesbanco Bank Sistersville July 6, 2011
$97440.00 7 8.4% $1538.21 Wesbanco Bank, Inc. July 7, 2011
$96850.00 5 10.2% $2067.32 Peoples State Bank, National Association January 26, 2012
$97450.00 3 10.5% $3167.36 Kanawha Banking & Trust Company National Association September 28, 2013

Marta has a disappointing current gross income, but has a high number of prospects

Marta has always wanted to be an aircraft mechanic, but would need attend University of Phoenix again to achieve it. Marta has other possibilities as well, including sports agent, animal scientist, and orthodontic assistant, which pay $56,000 through to $103,000 per year, at least. For this reason, we think that Marta can afford this private loan of $8000.

Installment loan for Marta, a graduate of University of Phoenix and a pharmacy technician working for over $62,000 per year

Marta, an alumnus at University of Phoenix and a pharmacy technician in Charleston, West Virginia needs a private loan to purchase a new cell phone. Marta has instead decided to obtain an installment loan for $19,000 and is at present seeking lenders like West Union Bank to provide it.

Fast Loans for Marta in Charleston, West Virginia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Charleston, West Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Marta. Marta was able to find a fast loan for $8000 from West Union Bank and Wesbanco Bank Sistersville, but turned down both offers in favor of their private loan from Evergreen Federal Savings Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference in the case that a client is on the go.

Many past requests for credit have been made by Marta in the past, including one from The Brenham National Bank in Charleston, West Virginia before Marta was approved for the $8000 by Evergreen Federal Savings Bank

Marta made 9 previous tries to obtain a private loan, 2 of which were with The Brenham National Bank, a lender in Charleston, West Virginia known to specialize in private loans specifically. Prior to finding Evergreen Federal Savings Bank, Marta was very concerned due to their inexperience and fair credit rating.

Marta’s Transunion score was altered by the private loan loan, changing to 499 from 512, which is normal in our experience.

Transunion Score: 499

Personal Loan for a pharmacy technician named Marta in Charleston, West Virginia to Pay Off Zions Bank AmaZing Cash for Business

Marta had a lot of credit card debt on their Chevron Canada Credit Card and their BB&T Visa Purchasing Card, and they were starting to get in over their heads. Despite Marta’s job as a pharmacy technician, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Client Profile: Marta Sitterding of Charleston, West Virginia
  • Full name (Changed if requested): Marta Sitterding
  • Current Credit: loans.hit.utils.Fico@533ddba
  • Current City: Charleston
  • State: West Virginia
  • Zip code: 25338
  • Yearly income: $34,000
  • Current Job: pharmacy technician
  • Current County: Kanawha
  • Goal Yearly Income: $94,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Signature Loan acquired in Charleston, West Virginia for $8000 with fair credit by Marta

Most prospective borrowers have difficulty with obtaining signature loans in Charleston, West Virginia, and Marta is no exception. Marta went to 4 lending institutions or more prior to finding Evergreen Federal Savings Bank, who offered Marta a signature loan for $8000. Typical signature loans simply need a client, like Marta’s signature to obtain them, up to $32,000 in some cases. Marta was able to get $8000 as a private loan, which is very high for a private loan. Because signature loans don’t require collateral, they generally require better credit, as high as 776

Paraphrased and Standardized Quote from Marta for this private loan of $8000, provided by Evergreen Federal Savings Bank

Hi, I am Marta and my hometown is Charleston in West Virginia. Kanawha, county is where I grew up, and now I need a private loan in West Virginia for $8000 to renovate my home. It wasn’t easy, but Evergreen Federal Savings Bank really came through for me with this loan for 11.3% interest APR and a term of 1 years. I can repay the loan over the 1 year term, including interest. A big thanks to Evergreen Federal Savings Bank for trusting me and my fair credit. It look me 5 years to create my credit to 512, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $38,000.00 to $53,000.00. They are typically used to pay off existing high interest loans like credit cards. Marta needed a debt consolidation loan to pay for their existing private loan and their loan shark loan. Marta was able to find a private loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your bad, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.2%.

Conclusion of Marta’s private loan

In the end, Marta was able to find a private loan for $8000 with an interest rate of 8.6% interest APR from Evergreen Federal Savings Bank in Charleston, West Virginia repayable over 1 years from today.

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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