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Willie Needed A Debt Consolidation Loan For $18000, Oxford, North Carolina

$18000 Debt Consolidation Loan – Oxford North Carolina, Credit Rating Of 741

  • Experian: 752 – The client had an excellent Experian score
  • Transunion: 729 – Willie had an excellent credit rating with Transunion.
  • Equifax: Willie’s Experian score was 741, which is an excellent credit score using the Experian scale.

Signature Loan easily acquired in Oxford, North Carolina for $18000 with excellent credit by Willie

Many prospective borrowers have difficulty with obtaining signature loans in Oxford, North Carolina, and Willie is no exception. Willie went to 8 lenders or more before finding Granville United Bank, who offered Willie a signature loan for $18000. Typical signature loans simply need a client, like Willie’s signature to get them, up to $30,000 in some cases. Willie was able to get $18000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t need collateral, they tend to require better credit, as high as 704

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $29,000.00 to $45,000.00. They are typically used to pay off existing high interest loans like credit cards. Willie needed a debt consolidation loan to pay for their existing debt consolidation loan and their credit card. Willie was able to find a debt consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.3%.

Fast Loans for Willie in Oxford, North Carolina to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Oxford, North Carolina aren’t actually that difficult to obtain, especially if you have some finesse like Willie. Willie was able to find a fast loan for $18000 from The Carolina Bank and The Bank of Northampton, but declined both offers in favor of their debt consolidation loan from Granville United 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 7 weeks for personal loans. Much better if you are in a pinch.

Willie was declined by Citizens State Bank 6 times before being approved by Granville United Bank at 109 Hillsboro Street

On April 27, 2009, Willie inquired about borrowing $11,000 from The Carolina Bank with Mardell, their in law from just outside Oxford, and even with the co-signer, Willie was rejected for this debt consolidation loan. With excellent credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Personal Loan for a hand and portable tool mechanic named Willie in Oxford, North Carolina to Pay Off Columbus Bank and Trust Visa Platinum

Willie had a lot of credit card debt on their First Vineyard Prepaid MasterCard and their Plum Card, and they were starting to get in over their heads. Despite Willie’s job as a hand and portable tool mechanic, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

7 Months in the Past, Willie Attempted Finding a High Risk Loan for $45,000.00, and it was Easy

It is an well known struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Willie. Willie decided not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Clients with credit scores as low as 349 can apply for a high risk loan and possibly can be accepted.

Before applying for this debt consolidation loan, Willie had an Experian score of 752, which is excellent, so Granville United Bank probably cannot provide Willie a debt consolidation loan

Experian Score: 752

When Willie was 19, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit score. Below is a list of Willie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on May 31, 2010
  • Attempt 2) Loan for $23,000.00 on October 4, 2010
  • Attempt 3) Loan for $25,000.00 on May 20, 2011
  • Attempt 4) Loan for $30,000.00 on April 23, 2012

Multiple previous requests for credit have been made by Willie in the past, including one from The First National Bank of Paulding County in Oxford, North Carolina before Willie was approved for the $18000 by Granville United Bank

Willie made 6 previous tries to obtain a debt consolidation loan, 2 of which were with The First National Bank of Paulding County, a bank in Oxford, North Carolina known to specialize in debt consolidation loans specifically. Before finding Granville United Bank, Willie was very concerned due to their inexperience and excellent credit rating.

Installment loan for Willie, a graduate of Everest College – Alhambra and a hand and portable tool mechanic working for over $64,000 per year

Willie, an alumnus at Everest College – Alhambra and a hand and portable tool mechanic in Oxford, North Carolina wants a debt consolidation loan to purchase a house. Willie has instead chosen to get an installment loan for $10,000 and is at present seeking lenders like Independence National Bank to process their request.

Willie’s Transunion score was changed by the debt consolidation loan loan, changing to 729 from 741, which is normal in our experience.

Transunion Score: 729

Contact Details for Granville United Bank, the provider of this debt consolidation loan

  • Granville United Bank
  • City: Oxford
  • State: North Carolina
  • Address: 109 Hillsboro Street
  • County: Granville
  • Zip code: 27565

Willie’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their hand and portable tool mechanic job and their future job as a forest fire inspector

Fico Score: 741

Client Profile: Willie Aybar of Oxford, North Carolina
  • Full name (Changed if requested): Willie Aybar
  • Current Credit: loans.hit.utils.Fico@26a1ab54
  • Current City: Oxford
  • State: North Carolina
  • Zip code: 27566
  • Yearly income: $37,000
  • Current Job: hand and portable tool mechanic
  • Current County: Granville
  • Goal Yearly Income: $80,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Willie has a low current yearly income, but has a high number of prospects

Willie has always wanted to be a forest fire inspector, but would have to attend Everest College – Alhambra again to achieve it. Willie has other prospects as well, including retail store manager, agricultural engineer, and book editor, which pay $58,000 through to $101,000 per year, on average. For this reason, we think that Willie can afford this debt consolidation loan of $18000.

Previous requests on Willie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$33870.00 3 11.1% $1110.46 The Farmers Bank of Seaboard August 28, 2013
$33870.00 4 7.7% $822.1 The Bank of Raeford December 9, 2013
$33680.00 7 9.2% $545.3 The Bank of Coleridge September 3, 2014
$33560.00 11 8.5% $392.2 Farmers Bank of Sunbury January 8, 2015
$34410.00 6 8.6% $613.45 Bank of Pittsboro July 4, 2015

Paraphrased and Standardized Quote from Willie for this debt consolidation loan of $18000, provided by Granville United Bank

Hello, I am Willie and I’m from Oxford in North Carolina. Granville, county is where I grew up, and now I need a debt consolidation loan in North Carolina for $18000 to avoid bankruptcy. It wasn’t easy, but Granville United Bank really came through for me with this loan for 5.8% interest APR and a term of 6 years. I can repay the loan over the 6 year term, including interest. A big thanks to Granville United Bank for giving me a chance and my excellent credit. It look me 7 years to create my credit to 741, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Conclusion of Willie’s debt consolidation loan

In the end, Willie was able to find a debt consolidation loan for $18000 with an interest rate of 5.5% interest APR from Granville United Bank in Oxford, North Carolina repayable over 6 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.