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Same Day Loan With Very Low APR In Barnstable County, Massachusetts

$54000 Same Day Loan – Chatham Massachusetts, Credit Rating Of 600

  • Experian: 610 – They had a good Experian rating
  • Transunion: 584 – Laura had a good credit score with Transunion.
  • Equifax: Laura’s Experian score was 600, which is a good credit rating using the Experian scale.

Laura’s Overall FICO score at the time of acceptance for a same day loan, taking into account their farm products purchasing agent job and their future career as a model maker

Fico Score: 600

Several past requests for credit have been made by Laura in the past, including one from First of America Bank – Mid Michigan, National Association in Chatham, Massachusetts before Laura was approved for the $54000 by Chatham Trust Company

Laura made 9 prior attempts to obtain a same day loan, 2 of which were with First of America Bank – Mid Michigan, National Association, a lending institution in Chatham, Massachusetts known to specialize in same day loans specifically. Before finding Chatham Trust Company, Laura was concerned due to their inexperience and good credit score.

Paraphrased and Standardized Quote from Laura for this same day loan of $54000, provided by Chatham Trust Company

Hello, I am Laura and I am from Chatham in Massachusetts. Barnstable, county is where I grew up, and now I need a same day loan in Massachusetts for $54000 to pay bills. It has been difficult, but Chatham Trust Company really came through for me with this loan for 11.7% interest APR and a term of 21 years. I can probably repay the loan over the 21 year term, including interest. A big thanks to Chatham Trust Company for trusting me and my good credit. It look me 5 years to create my credit to 600, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.

Previous requests on Laura’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$96400.00 6 7.4% $1662.1 State Street Bank and Trust Company August 13, 2009
$96440.00 8 7.2% $1324.45 United States Trust Company August 4, 2012
$95560.00 3 7.7% $2981.3 BayBank Harvard Trust Company January 24, 2015
$95820.00 6 7.6% $1661.38 Durfee Attleboro Bank May 26, 2015
$95900.00 3 11.6% $3166.96 Bank of New England – North Shore August 30, 2015

Personal Loan for a farm products purchasing agent named Laura in Chatham, Massachusetts to Pay Off H-E-B MasterCard

Laura had a lot of credit card debt on their AeroMexico Visa Card and their Fulton Bank Cash Rewards American Express Card, and they were starting to get in over their heads. Despite Laura’s job as a farm products purchasing agent, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Laura’s Transunion score was changed by the same day loan loan, changing to 584 from 600, which is typical in our experience.

Transunion Score: 584

Client Profile: Laura Rakich of Chatham, Massachusetts
  • Full name (Changed if requested): Laura Rakich
  • Current Credit: loans.hit.utils.Fico@6e2c634b
  • Current City: Chatham
  • State: Massachusetts
  • Zip code: 2635
  • Yearly income: $67,000
  • Current Job: farm products purchasing agent
  • Current County: Barnstable
  • Goal Yearly Income: $139,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Fast Loans for Laura in Chatham, Massachusetts to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Chatham, Massachusetts aren’t actually that difficult to obtain, particularly if you have some finesse like Laura. Laura was able to find a fast loan for $54000 from Bank of New England – North Shore and Shawmut Bank of Hampshire County, National Association, but turned down both offers in favor of their same day loan from Chatham Trust Company. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement if a client is on the go.

Laura was declined by The Abington National Bank 5 times before being granted funding by Chatham Trust Company at 649 Main Street

On June 3, 2009, Laura inquired about borrowing $46,000 from Bank of New England – Worcester County, National Association with Torri, their in law from just outside Chatham, and even with the co-signer, Laura was rejected for this same day loan. With good credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Installment loan for Laura, a graduate of Altamaha Technical College and a farm products purchasing agent working for over $78,000 per year

Laura, an alumnus at Altamaha Technical College and a farm products purchasing agent in Chatham, Massachusetts wants a same day loan to purchase a new cell phone. Laura has instead decided to get an installment loan for $28,000 and is at present seeking lenders like Shawmut Bank of Franklin County to provide it.

Signature Loan found in Chatham, Massachusetts for $54000 with good credit by Laura

Most borrowers struggle with finding signature loans in Chatham, Massachusetts, and Laura is no different. Laura went to 7 lending institutions or more prior to settling on Chatham Trust Company, who offered Laura a signature loan for $54000. Typical signature loans simply need a client, like Laura’s signature to obtain them, up to $47,000 in some cases. Laura was able to get $54000 as a same day loan, which is very high for a same day loan. Because signature loans don’t require a cosigner, these loans tend to require higher credit, as high as 772

7 Months in the Past, Laura Attempted Finding a High Risk Loan for $49,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to get high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Laura. Laura chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Individuals with credit scores as low as 346 can apply for a high risk loan and possibly can be accepted.

When Laura was 20, they attempted to obtain a student loan from 5 different lenders, which harmed their credit rating. Below is a chronology of Laura’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on October 24, 2009
  • Attempt 2) Loan for $34,000.00 on September 5, 2011
  • Attempt 3) Loan for $29,000.00 on December 26, 2008
  • Attempt 4) Loan for $25,000.00 on April 10, 2012
  • Attempt 5) Loan for $21,000.00 on August 24, 2012

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 $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Laura needed a debt consolidation loan to pay for their existing same day loan and their credit card. Laura was able to find a same day loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.6%.

Before applying for this same day loan, Laura had an Experian score of 610, which is good, so Chatham Trust Company most likely cannot provide Laura a same day loan

Experian Score: 610

Contact Details for Chatham Trust Company, the provider of this same day loan

  • Chatham Trust Company
  • City: Chatham
  • State: Massachusetts
  • Address: 649 Main Street
  • County: Barnstable
  • Zip code: 2633

Laura has a disappointing current yearly income, but has several of prospects

Laura has always wanted to be a model maker, but would have to attend Altamaha Technical College again to become one. Laura has other prospects as well, including biomedical equipment technician, foreign language teacher, and police officer, which pay $58,000 through to $90,000 per year, at least. Because of this, we think that Laura can pay for this same day loan of $54000.

Conclusion of Laura’s same day loan

In the end, Laura was able to find a same day loan for $54000 with an interest rate of 5.6% interest APR from Chatham Trust Company in Chatham, Massachusetts repayable over 21 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.