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5 Month, Variable Interest Direct Loan For Andres In Pennsylvania

$92000 Direct Loan – Bradford Pennsylvania, Credit Score Of 397

  • Experian: 412 – They had a terrible Experian rating
  • Transunion: 385 – Andres had a terrible credit score with Transunion.
  • Equifax: Andres’s Experian score was 397, which is a terrible credit rating on the Experian system.

Before applying for this direct loan, Andres had an Experian score of 412, which is terrible, so First Federal Savings and Loan Association likely cannot provide Andres a direct loan

Experian Score: 412

8 Months Ago, Andres Tried Finding a High Risk Loan for $33,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Andres. Andres decided not to get a high risk loan this time. High Risk loans are given to terrible credit clients. Individuals with credit scores as low as 393 can apply for a high risk loan and have a chance to be accepted.

Contact Details for First Federal Savings and Loan Association, the provider of this direct loan

  • First Federal Savings and Loan Association
  • City: Bradford
  • State: Pennsylvania
  • Address: Main At Pine Street
  • County: Mckean
  • Zip code: 16701

Fast Loans for Andres in Bradford, Pennsylvania to prevent bankruptcy or harm from debt collectors.

Fast loans in Bradford, Pennsylvania aren’t actually that difficult to obtain, particularly if you have some finesse like Andres. Andres was able to find a fast loan for $92000 from The Schuylkill Haven Trust Company and The People’s Bank of Oxford, but turned down both offers in favor of their direct loan from First Federal Savings and Loan Association. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big difference if you are in a time sensitive situation.

Paraphrased and Standardized Quote from Andres for this direct loan of $92000, provided by First Federal Savings and Loan Association

Hello, I am Andres and I’m from Bradford in Pennsylvania. Mckean, county is where I grew up, and now I need a direct loan in Pennsylvania for $92000 to pay bills. It has been difficult, but First Federal Savings and Loan Association really came through for me with this loan for 10.1% interest APR and a term of 5 years. I will repay the loan over the 5 year term, including interest. A big thanks to First Federal Savings and Loan Association for trusting me and my terrible credit. It look me 6 years to build my credit to 397, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Andres has a low current gross income, but has several of prospects

Andres has always wanted to be a heavy equipment mechanic, but would have to attend South Dakota State University again to become one. Andres has other prospects as well, including adjustment clerk, sales representative, and museum curator, which pay $56,000 through to $103,000 per year, on average. Because of this, we believe that Andres can pay for this direct loan of $92000.

Personal Loan for a medical records administrator named Andres in Bradford, Pennsylvania to Pay Off First National Bank Business Edition Visa Card

Andres had a lot of credit card debt on their Lufthansa Premier Miles & More World MasterCard and their Riverview Community Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Andres’s job as a medical records administrator, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Andres’s Transunion score was altered by the direct loan loan, changing to 385 from 397, which is normal in our experience.

Transunion Score: 385

Andres’s Overall FICO score at the time of acceptance for a direct loan, taking into account their medical records administrator job and their future job as a heavy equipment mechanic

Fico Score: 397

Previous requests on Andres’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$126120.00 3 7.2% $3905.76 The People’s Bank of Oxford July 22, 2009
$126410.00 7 8.8% $2021.01 First Lehigh Bank October 29, 2011
$125520.00 8 9.4% $1865.04 SunBank August 7, 2013
$126400.00 3 8.6% $3996.0 Merchants Bank (North) July 1, 2014
$126310.00 8 5.7% $1641.5 Green Ridge Bank October 14, 2014
Client Profile: Andres Kesley of Bradford, Pennsylvania
  • Full name (Changed if requested): Andres Kesley
  • Current Credit: loans.hit.utils.Fico@504bae78
  • Current City: Bradford
  • State: Pennsylvania
  • Zip code: 16707
  • Yearly income: $69,000
  • Current Job: medical records administrator
  • Current County: Mckean
  • Goal Yearly Income: $148,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Installment loan for Andres, a graduate of South Dakota State University and a medical records administrator working for over $63,000 per year

Andres, an alumnus at South Dakota State University and a medical records administrator in Bradford, Pennsylvania wants a direct loan to purchase a new cell phone. Andres has instead decided to get an installment loan for $11,000 and is currently seeking lenders like First Columbia Bank & Trust Co. to process their request.

Andres was not approved by The Bridgeville Trust Company 5 times prior to being accepted by First Federal Savings and Loan Association at Main At Pine Street

On February 28, 2009, Andres inquired about borrowing $6,000 from Provident National Bank with Syreeta, their friend from just outside Bradford, and even with the co-signer, Andres was rejected for this direct loan. With terrible credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Signature Loan easily acquired in Bradford, Pennsylvania for $92000 with terrible credit by Andres

A lot of prospective borrowers have difficulty with finding signature loans in Bradford, Pennsylvania, and Andres is no different. Andres went to 7 lenders or more prior to finding First Federal Savings and Loan Association, who offered Andres a signature loan for $92000. Most signature loans simply need a client, like Andres’s signature to obtain them, up to $39,000 in some cases. Andres was able to get $92000 as a direct loan, which is very high for a direct loan. Since signature loans don’t require a cosigner, these loans tend to require better credit, as high as 787

When Andres was 18, they tried to obtain a student loan from 6 different banks, which harmed their credit score. Below is a list of Andres’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on May 16, 2012
  • Attempt 2) Loan for $35,000.00 on February 3, 2013
  • Attempt 3) Loan for $28,000.00 on October 12, 2009
  • Attempt 4) Loan for $23,000.00 on September 10, 2011
  • Attempt 5) Loan for $20,000.00 on September 23, 2010
  • Attempt 6) Loan for $28,000.00 on July 18, 2011

Many other requests for credit have been made by Andres in the past, including one from American Equity Bank, F.S.B. in Bradford, Pennsylvania before Andres was accepted for the $92000 by First Federal Savings and Loan Association

Andres made 6 previous tries to obtain a direct loan, 2 of which were with American Equity Bank, F.S.B., a lending institution in Bradford, Pennsylvania known to specialize in direct loans specifically. Prior to finding First Federal Savings and Loan Association, Andres was desperate due to their inexperience and terrible credit score.

Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $37,000.00 to $55,000.00. They are mainly used to pay off existing high interest loans like credit cards. Andres required a debt consolidation loan to pay for their existing direct loan and their credit card. Andres was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.2%.

Conclusion of Andres’s direct loan

In the end, Andres was able to find a direct loan for $92000 with an interest rate of 11.8% interest APR from First Federal Savings and Loan Association in Bradford, Pennsylvania repayable over 5 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.