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Secured Loan With Reasonable APR In Columbia County, Oregon

$48000 Secured Loan – Clatskanie Oregon, Credit Score Of 666

  • Experian: 679 – This client had a good Experian score
  • Transunion: 647 – Laila had a good credit rating with Transunion.
  • Equifax: Laila’s Experian score was 666, which is a good credit score with the Experian scale.

8 Months Ago, Laila Tried Finding a High Risk Loan for $43,000.00, and it was Easy

It is an ongoing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Laila. Laila decided not to get a high risk loan this time. High Risk loans are given to terrible credit borrowers. Individuals with credit ratings as low as 336 can inquire for a high risk loan and may be be approved.

Laila’s Transunion score was altered by the secured loan loan, changing to 647 from 666, which is typical in our experience.

Transunion Score: 647

Contact Details for First National Bank in Clatskanie, the provider of this secured loan

  • First National Bank in Clatskanie
  • City: Clatskanie
  • State: Oregon
  • Address: Main Street
  • County: Columbia
  • Zip code: 97016

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

Average debt consolidation loans range from $23,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Laila needed a debt consolidation loan to pay for their existing secured loan and their loan shark loan. Laila was able to find a secured loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.7%.

Fast Loans for Laila in Clatskanie, Oregon to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Clatskanie, Oregon aren’t actually that difficult to obtain, especially if you have some finesse like Laila. Laila was able to find a fast loan for $48000 from Clackamas County Bank and United States National Bank of Oregon, but turned down both offers in favor of their secured loan from First National Bank in Clatskanie. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement in the case that a client is in a time sensitive situation.

Laila was rejected by Bank of St. Helens 4 times prior to being accepted by First National Bank in Clatskanie at Main Street

On March 9, 2010, Laila applied about borrowing $9,000 from The Commercial Bank with Queen, their friend from just outside Clatskanie, and even with the co-signer, Laila was rejected for this secured loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.

Laila has a sad current gross income, but has several of prospects

Laila has always wanted to be an insulation installer, but would need attend SUNY College at Oswego again to achieve it. Laila has other possibilities as well, including government budget analyst, vending machine mechanic, and architecture professor, which pay $56,000 through to $103,000 per year, at least. For this reason, we believe that Laila can pay for this secured loan of $48000.

Personal Loan for a caption writer named Laila in Clatskanie, Oregon to Pay Off Expedia World MasterCard Citi Premier Pass

Laila had a lot of credit card debt on their Commerce Bank and their Steuben Trust College Rewards Visa Card, and they were starting to get in over their heads. Despite Laila’s job as a caption writer, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Installment loan for Laila, a graduate of SUNY College at Oswego and a caption writer working for over $77,000 per year

Laila, an alumnus at SUNY College at Oswego and a caption writer in Clatskanie, Oregon wants a secured loan to purchase a new cell phone. Laila has instead decided to get an installment loan for $14,000 and is currently seeking lenders like KeyBank National Association to process their request.

Multiple previous requests for credit have been made by Laila in the past, including one from Miami National Bank in Clatskanie, Oregon before Laila was accepted for the $48000 by First National Bank in Clatskanie

Laila made 8 previous attempts to obtain a secured loan, 2 of which were with Miami National Bank, a bank in Clatskanie, Oregon known to specialize in secured loans specifically. Prior to finding First National Bank in Clatskanie, Laila was concerned due to their inexperience and good credit score.

Client Profile: Laila Deamer of Clatskanie, Oregon
  • Full name (Changed if requested): Laila Deamer
  • Current Credit: loans.hit.utils.Fico@433c675d
  • Current City: Clatskanie
  • State: Oregon
  • Zip code: 97025
  • Yearly income: $61,000
  • Current Job: caption writer
  • Current County: Columbia
  • Goal Yearly Income: $148,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Signature Loan easily acquired in Clatskanie, Oregon for $48000 with good credit by Laila

Many clients have difficulty with obtaining signature loans in Clatskanie, Oregon, and Laila is the same. Laila went to 6 lenders or more prior to settling on First National Bank in Clatskanie, who offered Laila a signature loan for $48000. Most signature loans simply require a client, like Laila’s signature to get them, up to $40,000 in some cases. Laila was able to get $48000 as a secured loan, which is very high for a secured loan. Because signature loans do not require collateral, these loans tend to need better credit, as high as 749

When Laila was 24, they attempted to obtain a student loan from 7 alternate lenders, which harmed their credit rating. Below is a list of Laila’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on November 5, 2008
  • Attempt 2) Loan for $20,000.00 on June 11, 2012
  • Attempt 3) Loan for $39,000.00 on June 8, 2009
  • Attempt 4) Loan for $34,000.00 on October 22, 2012
  • Attempt 5) Loan for $37,000.00 on August 11, 2012
  • Attempt 6) Loan for $22,000.00 on May 10, 2010
  • Attempt 7) Loan for $32,000.00 on September 10, 2010

Laila’s Overall FICO score at the time of acceptance for a secured loan, taking into account their caption writer job and their future career as an insulation installer

Fico Score: 666

Paraphrased and Standardized Quote from Laila for this secured loan of $48000, provided by First National Bank in Clatskanie

Hello, I am Laila and my hometown is Clatskanie in Oregon. Columbia, county is where I grew up, and now I need a secured loan in Oregon for $48000 to buy a big ticket item. It has been difficult, but First National Bank in Clatskanie really came through for me with this loan for 11.0% interest APR and a term of 3 years. I can probably repay the loan over the 3 year term, including interest. A big thanks to First National Bank in Clatskanie for giving me a chance and my good credit. It look me 9 years to build my credit to 666, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Previous requests on Laila’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$139170.00 6 9.8% $2564.23 Polk County State Bank May 7, 2009
$138770.00 6 5.6% $2273.71 Pacific Western Bank August 20, 2011
$139250.00 11 11.4% $1855.51 West Coast Bank October 28, 2011
$139460.00 10 10.5% $1881.8 The Valley National Bank of Oregon November 11, 2011

Before applying for this secured loan, Laila had an Experian score of 679, which is good, so First National Bank in Clatskanie probably cannot provide Laila a secured loan

Experian Score: 679

Conclusion of Laila’s secured loan

In the end, Laila was able to find a secured loan for $48000 with an interest rate of 8.3% interest APR from First National Bank in Clatskanie in Clatskanie, Oregon repayable over 3 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.