$138000 Same Day Loan – Wheeling West Virginia, Credit Rating Of 835
- Experian: 848 – This individual had an excellent Experian score
- Transunion: 817 – Shemika had an excellent credit score with Transunion.
- Equifax: Shemika’s Experian score was 835, which is an excellent credit score on the Experian rating scheme.
Personal Loan for a hand sewer named Shemika in Wheeling, West Virginia to Pay Off Ducks Unlimited Discover Card
Shemika had a tonne of credit card debt on their Alaska USA Federal Credit Union Visa Platinum Credit Card and their Southeastern Greyhound Adoption Visa Card, and they were starting to get in over their heads. Despite Shemika’s job as a hand sewer, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Signature Loan acquired in Wheeling, West Virginia for $138000 with excellent credit by Shemika
A lot of borrowers struggle with finding signature loans in Wheeling, West Virginia, and Shemika is the same. Shemika went to 4 lending institutions or more prior to settling on Bank One, Wheeling-Steubenville, National Association, who offered Shemika a signature loan for $138000. Most signature loans simply require a client, like Shemika’s signature to obtain them, up to $37,000 in some cases. Shemika was able to get $138000 as a same day loan, which is very high for a same day loan. Since signature loans do not need collateral, they generally require higher credit, as high as 721
Shemika’s Overall FICO score at the time of acceptance for a same day loan, taking into account their hand sewer job and their future job as an emergency medical technician
Before applying for this same day loan, Shemika had an Experian score of 848, which is excellent, so Bank One, Wheeling-Steubenville, National Association likely cannot provide Shemika a same day loan
Shemika has a low current total income, but has a large amount of prospects
Shemika has always wanted to be an emergency medical technician, but would need attend Bastyr University again to become one. Shemika has other prospects as well, including civil engineering technician, communications professor, and communication equipment mechanic, which pay $55,000 through to $102,000 per year, on average. For this reason, we think that Shemika can pay for this same day loan of $138000.
Installment loan for Shemika, a graduate of Bastyr University and a hand sewer working for over $78,000 per year
Shemika, an alumnus at Bastyr University and a hand sewer in Wheeling, West Virginia wants a same day loan to purchase a house. Shemika has instead chosen to get an installment loan for $27,000 and is at present seeking lenders like Kanawha Banking & Trust Company National Association to process their request.
Contact Details for Bank One, Wheeling-Steubenville, National Association, the provider of this same day loan
- Bank One, Wheeling-Steubenville, National Association
- City: Wheeling
- State: West Virginia
- Address: 1114 Market Street
- County: Ohio
- Zip code: 26003
Paraphrased and Standardized Quote from Shemika for this same day loan of $138000, provided by Bank One, Wheeling-Steubenville, National Association
Hi, I am Shemika and my hometown is Wheeling in West Virginia. Ohio, county is where I grew up, and now I need a same day loan in West Virginia for $138000 to buy a big ticket item. It has been difficult, but Bank One, Wheeling-Steubenville, National Association really came through for me with this loan for 7.5% interest APR and a term of 23 years. I can repay the loan over the 23 year term, including interest. A big thanks to Bank One, Wheeling-Steubenville, National Association for giving me a chance and my excellent credit. It look me 5 years to create my credit to 835, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.
Shemika was not approved by Summit Community Bank 5 times before being approved by Bank One, Wheeling-Steubenville, National Association at 1114 Market Street
On May 25, 2011, Shemika inquired about borrowing $29,000 from Bank of Raleigh with Trevor, their in law from just outside Wheeling, and even with the co-signer, Shemika was rejected for this same day loan. With excellent credit, it can be a challenge to obtain funding, even with collateral and a co-signer.
6 Months in the Past, Shemika Tried to Find a High Risk Loan for $38,000.00, but They Didn’t Find What They were Expecting
It is an existing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Shemika. Shemika chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Individuals with credit scores as low as 583 can inquire for a high risk loan and may be be approved.
Shemika’s Transunion score was altered by the same day loan loan, changing to 817 from 835, which is typical in our experience.
When Shemika was 18, they attempted to obtain a student loan from 4 different banks, which damaged their credit score. Below is a list of Shemika’s previous attempts at finding a student loan:
- Attempt 1) Loan for $32,000.00 on January 17, 2013
- Attempt 2) Loan for $20,000.00 on June 2, 2011
- Attempt 3) Loan for $37,000.00 on January 31, 2011
- Attempt 4) Loan for $22,000.00 on June 10, 2009
- Full name (Changed if requested): Shemika Hash
- Current Credit: loans.hit.utils.Fico@6433a2
- Current City: Wheeling
- State: West Virginia
- Zip code: 26006
- Yearly income: $41,000
- Current Job: hand sewer
- Current County: Ohio
- Goal Yearly Income: $82,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Multiple past requests for credit have been made by Shemika in the past, including one from Evergreen Bank in Wheeling, West Virginia before Shemika was approved for the $138000 by Bank One, Wheeling-Steubenville, National Association
Shemika made 5 prior attempts to obtain a same day loan, 2 of which were with Evergreen Bank, a bank in Wheeling, West Virginia known to specialize in same day loans specifically. Prior to finding Bank One, Wheeling-Steubenville, National Association, Shemika was very concerned due to their inexperience and excellent credit score.
Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans range from $26,000.00 to $55,000.00. They are mainly used to pay off existing high interest loans like credit cards. Shemika needed a debt consolidation loan to pay for their existing same day loan and their payday loan. Shemika was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your less desirable, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.4%.
Fast Loans for Shemika in Wheeling, West Virginia to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Wheeling, West Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Shemika. Shemika was able to find a fast loan for $138000 from Pendleton Community Bank, Inc. and Clear Mountain Bank, but declined both offers in favor of their same day loan from Bank One, Wheeling-Steubenville, National Association. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big improvement in the case that a borrower is on the go.
Previous requests on Shemika’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$67270.00||10||11.4%||$941.94||Wesbanco Bank Sistersville||January 19, 2009|
|$67210.00||8||6.2%||$889.8||Wesbanco Bank, Inc.||May 12, 2011|
|$66690.00||11||7.5%||$743.46||Peoples State Bank, National Association||September 16, 2011|
|$66820.00||4||8.5%||$1647.0||Kanawha Banking & Trust Company National Association||June 25, 2013|
|$66740.00||4||9.7%||$1683.1||One Valley Bank, National Association||October 17, 2013|
Conclusion of Shemika’s same day loan
In the end, Shemika was able to find a same day loan for $138000 with an interest rate of 6.4% interest APR from Bank One, Wheeling-Steubenville, National Association in Wheeling, West Virginia repayable over 23 years from now.