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Quick Loan With Very Low APR In Tyler County, West Virginia

$4000 Quick Loan – Sistersville West Virginia, Credit Rating Of 519

  • Experian: 538 – They had a fair Experian rating
  • Transunion: 501 – Shasta had a fair credit rating with Transunion.
  • Equifax: Shasta’s Experian score was 519, which is a fair credit rating using the Experian system.

Previous requests on Shasta’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$130440.00 8 6.5% $1746.1 Wesbanco Bank Sistersville December 10, 2009
$129570.00 11 9.2% $1564.11 Wesbanco Bank, Inc. June 2, 2013
$129900.00 8 8.6% $1876.22 Peoples State Bank, National Association November 10, 2014
$130250.00 9 8.5% $1729.64 Kanawha Banking & Trust Company National Association June 15, 2015
Client Profile: Shasta Cullinane of Sistersville, West Virginia
  • Full name (Changed if requested): Shasta Cullinane
  • Current Credit: loans.hit.utils.Fico@31cefde0
  • Current City: Sistersville
  • State: West Virginia
  • Zip code: 26179
  • Yearly income: $54,000
  • Current Job: fashion designer
  • Current County: Tyler
  • Goal Yearly Income: $127,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Contact Details for First Federal Savings Bank, the provider of this quick loan

  • First Federal Savings Bank
  • City: Sistersville
  • State: West Virginia
  • Address: 726 Wells Street
  • County: Tyler
  • Zip code: 26175

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

Normal debt consolidation loans range from $22,000.00 to $56,000.00. They are typically used to pay off existing high interest loans like credit cards. Shasta required a debt consolidation loan to pay for their existing quick loan and their credit card. Shasta was able to find a quick loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.7%.

When Shasta was 18, they attempted to obtain a student loan from 4 alternate lenders, which harmed their credit rating. Below is a chronology of Shasta’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on July 8, 2011
  • Attempt 2) Loan for $34,000.00 on December 22, 2008
  • Attempt 3) Loan for $34,000.00 on December 15, 2010
  • Attempt 4) Loan for $21,000.00 on December 19, 2012

Before applying for this quick loan, Shasta had an Experian score of 538, which is fair, so First Federal Savings Bank probably cannot provide Shasta a quick loan

Experian Score: 538

Shasta was rejected by The Pleasants County Bank 7 times prior to being approved by First Federal Savings Bank at 726 Wells Street

On June 1, 2012, Shasta inquired about borrowing $28,000 from Huntington Bank Martinsburg National Association with Myrle, their friend from just outside Sistersville, and even with the co-signer, Shasta was rejected for this quick loan. With fair credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Installment loan for Shasta, a graduate of McCann School of Business and Technology and a fashion designer working for over $67,000 per year

Shasta, an alumnus at McCann School of Business and Technology and a fashion designer in Sistersville, West Virginia needs a quick loan to purchase a car. Shasta has instead decided to obtain an installment loan for $19,000 and is at present seeking lenders like Greenbrier Valley Bank to process their request.

Shasta has a disappointing current total income, but has a large amount of prospects

Shasta has always wanted to be a dermatologist, but would need attend McCann School of Business and Technology again to achieve it. Shasta has other prospects as well, including broker’s floor representative, chaplain, and vocational rehabilitation counselor, which pay $54,000 through to $93,000 per year, at least. For this reason, we think that Shasta can pay for this quick loan of $4000.

Signature Loan acquired in Sistersville, West Virginia for $4000 with fair credit by Shasta

A lot of prospective borrowers struggle with finding signature loans in Sistersville, West Virginia, and Shasta is the same. Shasta went to 5 lenders or more before finding First Federal Savings Bank, who offered Shasta a signature loan for $4000. Most signature loans simply require a client, like Shasta’s signature to get them, up to $39,000 in some cases. Shasta was able to get $4000 as a quick loan, which is very high for a quick loan. Since signature loans don’t need collateral, these loans generally require improved credit, as high as 768

Shasta’s Overall FICO score at the time of acceptance for a quick loan, taking into account their fashion designer job and their future job as a dermatologist

Fico Score: 519

Personal Loan for a fashion designer named Shasta in Sistersville, West Virginia to Pay Off First Commercial Bank Fleet Credit Card

Shasta had a lot of credit card debt on their Firstrust Maximum Rewards Platinum Edition Visa Card and their First Responders Financial Credit Card, and they were starting to get in over their heads. Despite Shasta’s job as a fashion designer, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

7 Months in the Past, Shasta Attempted to Find a High Risk Loan for $34,000.00, and it was Hard

There is an well known struggle for borrowers to get 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 physically harmful to borrowers like Shasta. Shasta decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Individuals with credit scores as low as 377 can apply for a high risk loan and may be be accepted.

Fast Loans for Shasta in Sistersville, West Virginia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Sistersville, West Virginia aren’t actually that difficult to obtain, particularly if you have some finesse like Shasta. Shasta was able to find a fast loan for $4000 from The Bank of St. Albans and Bank of Raleigh, but turned down both offers in favor of their quick loan from First Federal Savings Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. Much better in the case that a client is in a pinch.

Paraphrased and Standardized Quote from Shasta for this quick loan of $4000, provided by First Federal Savings Bank

Hello, I am Shasta and my hometown is Sistersville in West Virginia. Tyler, county is where I grew up, and now I need a quick loan in West Virginia for $4000 to buy a big ticket item. It wasn’t easy, but First Federal Savings Bank really came through for me with this loan for 10.8% interest APR and a term of 19 years. I will repay the loan over the 19 year term, including interest. A big thanks to First Federal Savings Bank for giving me a chance and my fair credit. It look me 7 years to build my credit to 519, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.

Shasta’s Transunion score was changed by the quick loan loan, changing to 501 from 519, which is typical in our experience.

Transunion Score: 501

Many previous requests for credit have been made by Shasta in the past, including one from Peoples Bank & Trust Co. in Sistersville, West Virginia before Shasta was accepted for the $4000 by First Federal Savings Bank

Shasta made 4 prior attempts to obtain a quick loan, 2 of which were with Peoples Bank & Trust Co., a lending institution in Sistersville, West Virginia known to specialize in quick loans specifically. Prior to finding First Federal Savings Bank, Shasta was very concerned due to their inexperience and fair credit score.

Conclusion of Shasta’s quick loan

In the end, Shasta was able to find a quick loan for $4000 with an interest rate of 7.5% interest APR from First Federal Savings Bank in Sistersville, West Virginia repayable over 19 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.