$138000 Private Loan – Philadelphia Pennsylvania, Credit Score Of 494
- Experian: 505 – This individual had a bad Experian score
- Transunion: 482 – Shirely had a bad credit rating with Transunion.
- Equifax: Shirely’s Experian score was 494, which is a bad credit rating on the Experian scale.
Shirely has a sad current gross income, but has a high number of prospects
Shirely has always wanted to be an admiralty lawyer, but would need attend William Woods University again to achieve it. Shirely has other possibilities as well, including industrial hygienist, livestock commission agent, and environmental planner, which pay $57,000 through to $90,000 per year, at least. Because of this, we think that Shirely can pay for this private loan of $138000.
Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans range from $24,000.00 to $54,000.00. They are normally used to pay off existing high interest loans like credit cards. Shirely required a debt consolidation loan to pay for their existing private loan and their payday loan. Shirely was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.7%.
When Shirely was 18, they attempted to obtain a student loan from 5 different lenders, which damaged their credit score. Below is a chronology of Shirely’s prior attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on October 18, 2013
- Attempt 2) Loan for $38,000.00 on October 30, 2011
- Attempt 3) Loan for $34,000.00 on July 28, 2009
- Attempt 4) Loan for $32,000.00 on January 18, 2013
- Attempt 5) Loan for $39,000.00 on September 24, 2009
Personal Loan for an agricultural product sorter named Shirely in Philadelphia, Pennsylvania to Pay Off OneCause Visa Platinum
Shirely had a lot of credit card debt on their Barnes & Noble MasterCard and their Crutchfield Credit Card, and they were starting to get in over their heads. Despite Shirely’s job as an agricultural product sorter, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.
- Full name (Changed if requested): Shirely Dzama
- Current Credit: loans.hit.utils.Fico@49c2faae
- Current City: Philadelphia
- State: Pennsylvania
- Zip code: 19102
- Yearly income: $43,000
- Current Job: agricultural product sorter
- Current County: Philadelphia
- Goal Yearly Income: $115,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Paraphrased and Standardized Quote from Shirely for this private loan of $138000, provided by Corestates Bank, National Association
Hi, I am Shirely and I am from Philadelphia in Pennsylvania. Philadelphia, county is where I grew up, and now I need a private loan in Pennsylvania for $138000 to avoid bankruptcy. It wasn’t easy, but Corestates Bank, National Association really came through for me with this loan for 6.6% interest APR and a term of 12 years. I can probably repay the loan over the 12 year term, including interest. A big thanks to Corestates Bank, National Association for giving me a chance and my bad credit. It look me 4 years to create my credit to 494, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.
Signature Loan easily acquired in Philadelphia, Pennsylvania for $138000 with bad credit by Shirely
Most prospective borrowers struggle with finding signature loans in Philadelphia, Pennsylvania, and Shirely is the same. Shirely went to 8 lenders or more before finding Corestates Bank, National Association, who offered Shirely a signature loan for $138000. Most signature loans simply require a client, like Shirely’s signature to obtain them, up to $36,000 in some cases. Shirely was able to get $138000 as a private loan, which is very high for a private loan. Since signature loans don’t need a cosigner, these loans generally need improved credit, as high as 773
Before applying for this private loan, Shirely had an Experian score of 505, which is bad, so Corestates Bank, National Association probably can provide Shirely a private loan
Previous requests on Shirely’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $149370.00 | 10 | 8.1% | $1820.17 | The People’s Bank of Oxford | April 13, 2011 |
| $149430.00 | 8 | 6.2% | $1978.31 | First Lehigh Bank | December 1, 2011 |
| $149370.00 | 8 | 5.3% | $1912.42 | SunBank | March 12, 2012 |
| $149400.00 | 7 | 5.2% | $2125.67 | Merchants Bank (North) | January 16, 2013 |
8 Months in the Past, Shirely Attempted Finding a High Risk Loan for $31,000.00, and it was Hard
It is an existing struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Shirely. Shirely chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Clients with credit scores as low as 425 can apply for a high risk loan and possibly can be approved.
Fast Loans for Shirely in Philadelphia, Pennsylvania to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Philadelphia, Pennsylvania aren’t actually that difficult to obtain, particularly if you have some finesse like Shirely. Shirely was able to find a fast loan for $138000 from Liberty State Bank, Mount Carmel, Pa. and Farmers and Merchants Bank of Cherry Tree, Pa., but turned down both offers in favor of their private loan from Corestates Bank, National Association. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. An improvement if you are in a pinch.
Shirely’s Transunion score was altered by the private loan loan, changing to 482 from 494, which is normal in our experience.
Shirely’s Overall FICO score at the time of acceptance for a private loan, taking into account their agricultural product sorter job and their future job as an admiralty lawyer
Installment loan for Shirely, a graduate of William Woods University and an agricultural product sorter working for over $70,000 per year
Shirely, an alumnus at William Woods University and an agricultural product sorter in Philadelphia, Pennsylvania wants a private loan to purchase a new cell phone. Shirely has instead decided to obtain an installment loan for $9,000 and is currently seeking lenders like Dauphin Deposit Bank and Trust Company to process their request.
Shirely was not approved by Community Bank and Trust Company 7 times prior to being approved by Corestates Bank, National Association at Broad And Chestnut Streets
On June 14, 2013, Shirely inquired about borrowing $20,000 from Merchants Bank (North) with Cristi, their friend from just outside Philadelphia, and even with the co-signer, Shirely was rejected for this private loan. With bad credit, it can be a challenge to procure financing, even with collateral and a co-signer.
Contact Details for Corestates Bank, National Association, the provider of this private loan
- Corestates Bank, National Association
- City: Philadelphia
- State: Pennsylvania
- Address: Broad And Chestnut Streets
- County: Philadelphia
- Zip code: 19101
Many past requests for credit have been made by Shirely in the past, including one from Continental Bank in Philadelphia, Pennsylvania before Shirely was accepted for the $138000 by Corestates Bank, National Association
Shirely made 9 previous attempts to obtain a private loan, 2 of which were with Continental Bank, a bank in Philadelphia, Pennsylvania known to specialize in private loans specifically. Prior to finding Corestates Bank, National Association, Shirely was concerned due to their inexperience and bad credit rating.
Conclusion of Shirely’s private loan
In the end, Shirely was able to find a private loan for $138000 with an interest rate of 5.6% interest APR from Corestates Bank, National Association in Philadelphia, Pennsylvania repayable over 12 years from now.
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