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William Had Need For A Direct Loan For $132000, Sheridan, Arkansas

$132000 Direct Loan – Sheridan Arkansas, Credit Score Of 528

  • Experian: 547 – This client had a fair Experian score
  • Transunion: 514 – William had a fair credit score with Transunion.
  • Equifax: William’s Experian score was 528, which is a fair credit rating with the Experian system.

William’s Transunion score was changed by the direct loan loan, changing to 514 from 528, which is typical in our experience.

Transunion Score: 514

Before applying for this direct loan, William had an Experian score of 547, which is fair, so PEOPLES BANK likely cannot provide William a direct loan

Experian Score: 547

Contact Details for PEOPLES BANK, the provider of this direct loan

  • PEOPLES BANK
  • City: Sheridan
  • State: Arkansas
  • Address: 1120 South Rock Street
  • County: Grant
  • Zip code: 72150

6 Months Ago, William Tried to Find a High Risk Loan for $30,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like William. William chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Clients with credit scores as low as 470 can inquire for a high risk loan and possibly can be approved.

William’s Overall FICO score at the time of acceptance for a direct loan, taking into account their revenue agent job and their future job as an occupational physician

Fico Score: 528

Client Profile: William Boice of Sheridan, Arkansas
  • Full name (Changed if requested): William Boice
  • Current Credit: loans.hit.utils.Fico@3d646c37
  • Current City: Sheridan
  • State: Arkansas
  • Zip code: 72157
  • Yearly income: $42,000
  • Current Job: revenue agent
  • Current County: Grant
  • Goal Yearly Income: $106,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Installment loan for William, a graduate of Oklahoma City Community College and a revenue agent working for over $71,000 per year

William, an alumnus at Oklahoma City Community College and a revenue agent in Sheridan, Arkansas needs a direct loan to purchase a car. William has instead decided to obtain an installment loan for $13,000 and is currently seeking lenders like Chambers Bank of North Arkansas to provide it.

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

William has always wanted to be an occupational physician, but would have to attend Oklahoma City Community College again to become one. William has other possibilities as well, including petroleum laboratory assistant, dental hygienist, and catering administrator, which pay $56,000 through to $105,000 per year, at least. For this reason, we think that William can pay for this direct loan of $132000.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $36,000.00 to $58,000.00. They are mainly used to pay off existing high interest loans like credit cards. William needed a debt consolidation loan to pay for their existing direct loan and their loan shark loan. William was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 2.8%.

William was declined by Marked Tree Bank 4 times before being granted funding by PEOPLES BANK at 1120 South Rock Street

On January 23, 2013, William applied about borrowing $2,000 from Bank of Weiner with Kyle, their in law from just outside Sheridan, and even with the co-signer, William was rejected for this direct loan. With fair credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Fast Loans for William in Sheridan, Arkansas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Sheridan, Arkansas aren’t actually that difficult to obtain, especially if you have some gumption like William. William was able to find a fast loan for $132000 from Delta Trust & Bank and Bank of Bentonville, but turned down both offers in favor of their direct loan from PEOPLES BANK. 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 7 weeks for installment loans. A big difference in the case that you are in a pinch.

Signature Loan easily acquired in Sheridan, Arkansas for $132000 with fair credit by William

Many clients struggle with finding signature loans in Sheridan, Arkansas, and William is not an exception. William went to 8 lending institutions or more before settling on PEOPLES BANK, who offered William a signature loan for $132000. Most signature loans simply need a client, like William’s signature to get them, up to $20,000 in some cases. William was able to get $132000 as a direct loan, which is very high for a direct loan. Because signature loans do not need a cosigner, these loans tend to require improved credit, as high as 714

Multiple past requests for credit have been made by William in the past, including one from The State Bank of New Jersey in Sheridan, Arkansas before William was accepted for the $132000 by PEOPLES BANK

William made 8 previous attempts to obtain a direct loan, 2 of which were with The State Bank of New Jersey, a lender in Sheridan, Arkansas known to specialize in direct loans specifically. Prior to finding PEOPLES BANK, William was very concerned due to their inexperience and fair credit rating.

Previous requests on William’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$96810.00 9 11.4% $1437.42 Bank of Weiner January 28, 2010
$97140.00 11 11.4% $1294.39 Horizon Bank July 19, 2010
$96610.00 8 8.8% $1405.35 Warren Bank and Trust Company April 13, 2013
$97180.00 5 10.5% $2088.78 Boatmen’s Bank of Northeast Arkansas September 4, 2014
$97140.00 10 6.3% $1093.15 The Security Bank November 15, 2014

Paraphrased and Standardized Quote from William for this direct loan of $132000, provided by PEOPLES BANK

Hi, I am William and I’m from Sheridan in Arkansas. Grant, county is where I grew up, and now I need a direct loan in Arkansas for $132000 to renovate my home. It has been difficult, but PEOPLES BANK really came through for me with this loan for 6.4% interest APR and a term of 15 years. I will repay the loan over the 15 year term, including interest. A big thanks to PEOPLES BANK for trusting me and my fair credit. It look me 9 years to create my credit to 528, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Personal Loan for a revenue agent named William in Sheridan, Arkansas to Pay Off RBC Bank Visa Signature Black Credit Card

William had a lot of credit card debt on their Blue for Business from American Express and their First Niagara Standard Mastercard, and they were starting to get in over their heads. Despite William’s job as a revenue agent, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

When William was 21, they attempted to obtain a student loan from 5 alternate banks, which harmed their credit rating. Below is a chronology of William’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on April 2, 2012
  • Attempt 2) Loan for $31,000.00 on April 28, 2011
  • Attempt 3) Loan for $29,000.00 on May 14, 2009
  • Attempt 4) Loan for $39,000.00 on November 4, 2010
  • Attempt 5) Loan for $24,000.00 on April 29, 2009

Conclusion of William’s direct loan

In the end, William was able to find a direct loan for $132000 with an interest rate of 6.4% interest APR from PEOPLES BANK in Sheridan, Arkansas repayable over 15 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.