$108000 No Collateral Loan – Fairmont West Virginia, Credit Rating Of 455
- Experian: 473 – The client had a bad Experian score
- Transunion: 436 – Ronny had a bad credit score with Transunion.
- Equifax: Ronny’s Experian score was 455, which is a bad credit rating with the Experian rating scheme.
Ronny was not approved by One Valley Bank, National Association 4 times prior to being accepted by First Standard Savings FA at First Federal Plaza Merchant Street
On February 26, 2010, Ronny inquired about borrowing $25,000 from The Bank of Romney with Kyoko, their in law from just outside Fairmont, and even with the co-signer, Ronny was rejected for this no collateral loan. With bad credit, it can be difficult to procure funding, even with collateral and a co-signer.
Previous requests on Ronny’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$128850.00||7||5.7%||$1863.84||Wesbanco Bank Sistersville||September 28, 2012|
|$129190.00||11||7.5%||$1440.21||Wesbanco Bank, Inc.||July 13, 2013|
|$129420.00||6||10.6%||$2436.96||Peoples State Bank, National Association||June 10, 2014|
|$129380.00||6||10.5%||$2429.62||Kanawha Banking & Trust Company National Association||January 23, 2015|
|$129400.00||4||11.1%||$3350.7||One Valley Bank, National Association||March 23, 2015|
Ronny has a sad current yearly income, but has a high number of prospects
Ronny has always wanted to be an education professor, but would have to attend University of Arkansas at Monticello again to become one. Ronny has other possibilities as well, including book editor, marine drafter, and airfield operations specialist, which pay $58,000 through to $93,000 per year, at least. For this reason, we think that Ronny can afford this no collateral loan of $108000.
Ronny’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their pathologist job and their future career as an education professor
Paraphrased and Standardized Quote from Ronny for this no collateral loan of $108000, provided by First Standard Savings FA
Hi, I am Ronny and my hometown is Fairmont in West Virginia. Marion, county is where I grew up, and now I need a no collateral loan in West Virginia for $108000 to renovate my home. It wasn’t easy, but First Standard Savings FA really came through for me with this loan for 7.2% interest APR and a term of 9 years. I can repay the loan over the 9 year term, including interest. A big thanks to First Standard Savings FA for giving me a chance and my bad credit. It look me 6 years to create my credit to 455, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.
Multiple previous requests for credit have been made by Ronny in the past, including one from Rappahannock Bank in Fairmont, West Virginia before Ronny was accepted for the $108000 by First Standard Savings FA
Ronny made 8 prior attempts to obtain a no collateral loan, 2 of which were with Rappahannock Bank, a lender in Fairmont, West Virginia known to specialize in no collateral loans specifically. Before finding First Standard Savings FA, Ronny was concerned due to their inexperience and bad credit score.
Before applying for this no collateral loan, Ronny had an Experian score of 473, which is bad, so First Standard Savings FA probably cannot provide Ronny a no collateral loan
6 Months Ago, Ronny Attempted Finding a High Risk Loan for $32,000.00, and it was Easy
There is an ongoing struggle for borrowers 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 scary to borrowers like Ronny. Ronny chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Clients with credit scores as low as 379 can apply for a high risk loan and possibly can be accepted.
Contact Details for First Standard Savings FA, the provider of this no collateral loan
- First Standard Savings FA
- City: Fairmont
- State: West Virginia
- Address: First Federal Plaza Merchant Street
- County: Marion
- Zip code: 26554
Fast Loans for Ronny in Fairmont, West Virginia to prevent bankruptcy or harm from debt collectors.
Fast loans in Fairmont, West Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Ronny. Ronny was able to find a fast loan for $108000 from The Pleasants County Bank and Bank of Raleigh, but declined both offers in favor of their no collateral loan from First Standard Savings FA. The difference 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 personal loans. An improvement in the case that a client is in a pinch.
When Ronny was 24, they tried to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a list of Ronny’s previous attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on July 9, 2010
- Attempt 2) Loan for $28,000.00 on April 27, 2011
- Attempt 3) Loan for $30,000.00 on October 10, 2010
- Attempt 4) Loan for $28,000.00 on November 29, 2008
- Attempt 5) Loan for $23,000.00 on April 29, 2010
- Attempt 6) Loan for $24,000.00 on December 27, 2008
Signature Loan easily acquired in Fairmont, West Virginia for $108000 with bad credit by Ronny
A lot of clients struggle with finding signature loans in Fairmont, West Virginia, and Ronny is not an exception. Ronny went to 4 lenders or more before finding First Standard Savings FA, who offered Ronny a signature loan for $108000. Most signature loans simply require a client, like Ronny’s signature to obtain them, up to $28,000 in some cases. Ronny was able to get $108000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans don’t need collateral, they generally need better credit, as high as 740
Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans vary from $35,000.00 to $55,000.00. They are normally used to pay off existing high interest loans like credit cards. Ronny needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Ronny was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 3.4%.
Personal Loan for a pathologist named Ronny in Fairmont, West Virginia to Pay Off Members 1st FCU Visa Platinum Select Credit Card
Ronny had a tonne of credit card debt on their MCU Visa Classic and their Harley Davidson Visa Secured Card, and they were starting to get in over their heads. Despite Ronny’s job as a pathologist, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Installment loan for Ronny, a graduate of University of Arkansas at Monticello and a pathologist working for over $63,000 per year
Ronny, an alumnus at University of Arkansas at Monticello and a pathologist in Fairmont, West Virginia wants a no collateral loan to purchase something frivolous. Ronny has instead decided to obtain an installment loan for $8,000 and is currently seeking lenders like Pendleton Community Bank, Inc. to process their request.
Ronny’s Transunion score was changed by the no collateral loan loan, changing to 436 from 455, which is typical in our experience.
- Full name (Changed if requested): Ronny Labbee
- Current Credit: loans.hit.utils.Fico@2e5c649
- Current City: Fairmont
- State: West Virginia
- Zip code: 26561
- Yearly income: $65,000
- Current Job: pathologist
- Current County: Marion
- Goal Yearly Income: $100,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Conclusion of Ronny’s no collateral loan
In the end, Ronny was able to find a no collateral loan for $108000 with an interest rate of 7.6% interest APR from First Standard Savings FA in Fairmont, West Virginia repayable over 9 years from now.