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8 Year, Variable Interest Private Loan For Wilbert In Georgia

$45000 Private Loan – Valdosta Georgia, Credit Rating Of 762

  • Experian: 775 – This individual had an excellent Experian score
  • Transunion: 747 – Wilbert had an excellent credit score with Transunion.
  • Equifax: Wilbert’s Experian score was 762, which is an excellent credit rating on the Experian rating scheme.

Wilbert’s Overall FICO score at the time of acceptance for a private loan, taking into account their mail clerk job and their future career as a foreign service peacekeeping specialist

Fico Score: 762

Previous requests on Wilbert’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$78750.00 3 10.1% $2544.74 NationsBank of Florida, National Association May 2, 2009
$79480.00 9 6.8% $985.97 Century Bank and Trust August 22, 2011
$79160.00 6 6.8% $1342.01 Bank of Madison April 13, 2013
$79440.00 9 6.2% $961.61 Bank of Hazlehurst June 29, 2013
$79170.00 11 8.3% $916.6 The Citizens and Southern Bank of Dublin October 23, 2014

Wilbert’s Transunion score was altered by the private loan loan, changing to 747 from 762, which is typical in our experience.

Transunion Score: 747

Contact Details for First State Bank and Trust Company of Valdosta, the provider of this private loan

  • First State Bank and Trust Company of Valdosta
  • City: Valdosta
  • State: Georgia
  • Address: 3650 Inner Perimeter Road
  • County: Lowndes
  • Zip code: 31602

Wilbert has a low current yearly income, but has a large amount of prospects

Wilbert has always wanted to be a foreign service peacekeeping specialist, but would need attend Stockton University again to become one. Wilbert has other prospects as well, including desktop publishing specialist, fine artist, and county or city auditor, which pay $52,000 through to $109,000 per year, at least. For this reason, we believe that Wilbert can pay for this private loan of $45000.

Personal Loan for a mail clerk named Wilbert in Valdosta, Georgia to Pay Off Los Angeles Angels BankAmericard Cash Rewards MasterCard

Wilbert had a tonne of credit card debt on their Giant Eagle Fuelperks! Credit Card and their Wilkes University Rewards Visa, and they were starting to get in over their heads. Despite Wilbert’s job as a mail clerk, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Multiple previous requests for credit have been made by Wilbert in the past, including one from Kingfisher Federal Savings and Loan Association in Valdosta, Georgia before Wilbert was approved for the $45000 by First State Bank and Trust Company of Valdosta

Wilbert made 5 previous attempts to obtain a private loan, 2 of which were with Kingfisher Federal Savings and Loan Association, a lending institution in Valdosta, Georgia known to specialize in private loans specifically. Before finding First State Bank and Trust Company of Valdosta, Wilbert was concerned due to their inexperience and excellent credit score.

Fast Loans for Wilbert in Valdosta, Georgia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Valdosta, Georgia aren’t actually that difficult to obtain, especially if you have some finesse like Wilbert. Wilbert was able to find a fast loan for $45000 from Washington Loan & Banking Company and Coffee County Bank, but declined both offers in favor of their private loan from First State Bank and Trust Company of Valdosta. 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 6 weeks for debt consolidation loans. A big improvement in the case that a client is in a time sensitive situation.

When Wilbert was 19, they attempted to obtain a student loan from 6 alternate banks, which damaged their credit rating. Below is a list of Wilbert’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on November 27, 2013
  • Attempt 2) Loan for $35,000.00 on June 8, 2011
  • Attempt 3) Loan for $25,000.00 on July 3, 2009
  • Attempt 4) Loan for $39,000.00 on October 10, 2009
  • Attempt 5) Loan for $26,000.00 on May 29, 2013
  • Attempt 6) Loan for $34,000.00 on October 27, 2011

Installment loan for Wilbert, a graduate of Stockton University and a mail clerk working for over $65,000 per year

Wilbert, an alumnus at Stockton University and a mail clerk in Valdosta, Georgia wants a private loan to purchase something frivolous. Wilbert has instead chosen to obtain an installment loan for $23,000 and is currently seeking lenders like The Peoples Bank to process their request.

Paraphrased and Standardized Quote from Wilbert for this private loan of $45000, provided by First State Bank and Trust Company of Valdosta

Hi, I am Wilbert and I’m from Valdosta in Georgia. Lowndes, county is where I grew up, and now I need a private loan in Georgia for $45000 to pay bills. It wasn’t easy, but First State Bank and Trust Company of Valdosta really came through for me with this loan for 7.1% interest APR and a term of 8 years. I will repay the loan over the 8 year term, including interest. A big thanks to First State Bank and Trust Company of Valdosta for giving me a chance and my excellent credit. It look me 7 years to create my credit to 762, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

7 Months Ago, Wilbert Tried to Find a High Risk Loan for $44,000.00, and it was Easy

It is an well known struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Wilbert. Wilbert chose not to get a high risk loan this time. High Risk loans are given to bad credit clients. Clients with credit ratings as low as 402 can inquire for a high risk loan and have a chance to be approved.

Client Profile: Wilbert Virgie of Valdosta, Georgia
  • Full name (Changed if requested): Wilbert Virgie
  • Current Credit: loans.hit.utils.Fico@61baa894
  • Current City: Valdosta
  • State: Georgia
  • Zip code: 31605
  • Yearly income: $39,000
  • Current Job: mail clerk
  • Current County: Lowndes
  • Goal Yearly Income: $95,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

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

Average debt consolidation loans vary from $30,000.00 to $55,000.00. They are normally used to pay off existing high interest loans like credit cards. Wilbert required a debt consolidation loan to pay for their existing private loan and their loan shark loan. Wilbert was able to find a private loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.3%.

Signature Loan easily acquired in Valdosta, Georgia for $45000 with excellent credit by Wilbert

Most clients have difficulty with obtaining signature loans in Valdosta, Georgia, and Wilbert is no exception. Wilbert went to 7 lending institutions or more before finding First State Bank and Trust Company of Valdosta, who offered Wilbert a signature loan for $45000. Typical signature loans simply need a client, like Wilbert’s signature to get them, up to $25,000 in some cases. Wilbert was able to get $45000 as a private loan, which is very high for a private loan. Since signature loans do not need collateral, they tend to need higher credit, as high as 731

Before applying for this private loan, Wilbert had an Experian score of 775, which is excellent, so First State Bank and Trust Company of Valdosta probably cannot provide Wilbert a private loan

Experian Score: 775

Wilbert was rejected by Citizens Bank 7 times prior to being accepted by First State Bank and Trust Company of Valdosta at 3650 Inner Perimeter Road

On May 17, 2009, Wilbert inquired about borrowing $30,000 from The Citizens and Southern Bank of Thomaston with Xuan, their friend from just outside Valdosta, and even with the co-signer, Wilbert was rejected for this private loan. With excellent credit, it can be very hard to procure funding, even with collateral and a co-signer.

Conclusion of Wilbert’s private loan

In the end, Wilbert was able to find a private loan for $45000 with an interest rate of 9.1% interest APR from First State Bank and Trust Company of Valdosta in Valdosta, Georgia repayable over 8 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.