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Unsecured Loan With Low APR In Guernsey County, Ohio

$124000 Unsecured Loan – Cambridge Ohio, Credit Score Of 760

  • Experian: 771 – This client had an excellent Experian score
  • Transunion: 742 – Jamel had an excellent credit score with Transunion.
  • Equifax: Jamel’s Experian score was 760, which is an excellent credit score with the Experian scale.

Installment loan for Jamel, a graduate of Ohio State University and a casino surveillance officer working for over $66,000 per year

Jamel, an alumnus at Ohio State University and a casino surveillance officer in Cambridge, Ohio needs an unsecured loan to purchase a new cell phone. Jamel has instead decided to obtain an installment loan for $3,000 and is currently seeking lenders like The Home Banking Company to process their request.

6 Months Ago, Jamel Attempted to Find a High Risk Loan for $25,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Jamel. Jamel decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Individuals with credit ratings as low as 521 can apply for a high risk loan and may be be approved.

Signature Loan acquired in Cambridge, Ohio for $124000 with excellent credit by Jamel

Most prospective borrowers struggle with obtaining signature loans in Cambridge, Ohio, and Jamel is not an exception. Jamel went to 6 lenders or more before settling on Columbus National Bank, who offered Jamel a signature loan for $124000. Most signature loans simply require a client, like Jamel’s signature to get them, up to $41,000 in some cases. Jamel was able to get $124000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans do not need collateral, they tend to require higher credit, as high as 795

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $35,000.00 to $51,000.00. They are typically used to pay off existing high interest loans like credit cards. Jamel needed a debt consolidation loan to pay for their existing unsecured loan and their credit card. Jamel was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.6%.

Contact Details for Columbus National Bank, the provider of this unsecured loan

  • Columbus National Bank
  • City: Cambridge
  • State: Ohio
  • Address: 850 Wheeling Avenue
  • County: Guernsey
  • Zip code: 43725

Jamel’s Transunion score was altered by the unsecured loan loan, changing to 742 from 760, which is normal in our experience.

Transunion Score: 742

Jamel has a sad current total income, but has a high number of prospects

Jamel has always wanted to be a motion picture projectionist, but would need attend Ohio State University again to achieve it. Jamel has other possibilities as well, including sales representative, medical photographer, and maintenance supervisor, which pay $53,000 through to $109,000 per year, at least. For this reason, we think that Jamel can afford this unsecured loan of $124000.

When Jamel was 23, they attempted to obtain a student loan from 6 different lenders, which harmed their credit rating. Below is a list of Jamel’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on June 7, 2010
  • Attempt 2) Loan for $21,000.00 on December 6, 2011
  • Attempt 3) Loan for $28,000.00 on March 15, 2009
  • Attempt 4) Loan for $26,000.00 on October 25, 2012
  • Attempt 5) Loan for $35,000.00 on April 9, 2012
  • Attempt 6) Loan for $27,000.00 on April 23, 2009

Jamel was declined by The Union Bank and Savings Company 7 times prior to being approved by Columbus National Bank at 850 Wheeling Avenue

On December 5, 2012, Jamel applied about borrowing $24,000 from The Peoples Savings Bank Company with Clinton, their friend from just outside Cambridge, and even with the co-signer, Jamel was rejected for this unsecured loan. With excellent credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Previous requests on Jamel’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$47340.00 8 9.4% $703.4 The Vinton Banking Company June 30, 2011
$46530.00 11 7.5% $518.72 The Ohio Valley Bank Company March 21, 2012
$47250.00 8 7.2% $648.91 The Citizens Bank January 30, 2013
$46660.00 8 5.1% $592.94 The Peoples Bank November 6, 2013

Before applying for this unsecured loan, Jamel had an Experian score of 771, which is excellent, so Columbus National Bank likely can provide Jamel an unsecured loan

Experian Score: 771

Client Profile: Jamel Elbert of Cambridge, Ohio
  • Full name (Changed if requested): Jamel Elbert
  • Current Credit: loans.hit.utils.Fico@4769b07b
  • Current City: Cambridge
  • State: Ohio
  • Zip code: 43734
  • Yearly income: $63,000
  • Current Job: casino surveillance officer
  • Current County: Guernsey
  • Goal Yearly Income: $122,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Jamel’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their casino surveillance officer job and their future career as a motion picture projectionist

Fico Score: 760

Fast Loans for Jamel in Cambridge, Ohio to prevent bankruptcy or harm from debt collectors.

Fast loans in Cambridge, Ohio aren’t actually that difficult to obtain, especially if you have some finesse like Jamel. Jamel was able to find a fast loan for $124000 from The Clarksburg Commercial Bank and The Apple Creek Banking Company, but declined both offers in favor of their unsecured loan from Columbus National Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. Much better if a client is on the go.

Many other requests for credit have been made by Jamel in the past, including one from Decatur First Bank in Cambridge, Ohio before Jamel was approved for the $124000 by Columbus National Bank

Jamel made 5 previous tries to obtain an unsecured loan, 2 of which were with Decatur First Bank, a lending institution in Cambridge, Ohio known to specialize in unsecured loans specifically. Prior to finding Columbus National Bank, Jamel was very concerned due to their inexperience and excellent credit score.

Personal Loan for a casino surveillance officer named Jamel in Cambridge, Ohio to Pay Off Avon Old Farms School Visa Platinum Rewards Card

Jamel had a tonne of credit card debt on their NBT Bank Visa Platinum Card and their CoreFirst Bank & Trust Gold Classic Card, and they were starting to get in over their heads. Despite Jamel’s job as a casino surveillance officer, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Jamel for this unsecured loan of $124000, provided by Columbus National Bank

Hi, I am Jamel and I’m from Cambridge in Ohio. Guernsey, county is where I grew up, and now I need a unsecured loan in Ohio for $124000 to buy a big ticket item. It wasn’t easy, but Columbus National Bank really came through for me with this loan for 7.3% interest APR and a term of 19 years. I will repay the loan over the 19 year term, including interest. A big thanks to Columbus National Bank for giving me a chance and my excellent credit. It look me 6 years to create my credit to 760, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.

Conclusion of Jamel’s unsecured loan

In the end, Jamel was able to find an unsecured loan for $124000 with an interest rate of 11.4% interest APR from Columbus National Bank in Cambridge, Ohio repayable over 19 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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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.