$111000 Unsecured Loan – Elk City Oklahoma, Credit Rating Of 524
- Experian: 541 – This individual had a fair Experian rating
- Transunion: 509 – Williemae had a fair credit rating with Transunion.
- Equifax: Williemae’s Experian score was 524, which is a fair credit rating on the Experian system.
Contact Details for Heritage Savings and Loan Association of Elk City, the provider of this unsecured loan
- Heritage Savings and Loan Association of Elk City
- City: Elk City
- State: Oklahoma
- Address: 921 West Third Street
- County: Beckham
- Zip code: 73644
8 Months Ago, Williemae Attempted Finding a High Risk Loan for $48,000.00, and it was Hard
It is an existing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Williemae. Williemae decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Clients with credit ratings as low as 588 can inquire for a high risk loan and may be be accepted.
Many other requests for credit have been made by Williemae in the past, including one from Bank One, Lexington, National Association in Elk City, Oklahoma before Williemae was accepted for the $111000 by Heritage Savings and Loan Association of Elk City
Williemae made 9 prior attempts to obtain an unsecured loan, 2 of which were with Bank One, Lexington, National Association, a lender in Elk City, Oklahoma known to specialize in unsecured loans specifically. Before finding Heritage Savings and Loan Association of Elk City, Williemae was desperate due to their inexperience and fair credit score.
- Full name (Changed if requested): Williemae Killgore
- Current Credit: loans.hit.utils.Fico@76ccd017
- Current City: Elk City
- State: Oklahoma
- Zip code: 73646
- Yearly income: $43,000
- Current Job: plastic surgeon
- Current County: Beckham
- Goal Yearly Income: $145,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $0
Signature Loan found in Elk City, Oklahoma for $111000 with fair credit by Williemae
Many prospective borrowers struggle with finding signature loans in Elk City, Oklahoma, and Williemae is no different. Williemae went to 5 lending institutions or more prior to finding Heritage Savings and Loan Association of Elk City, who offered Williemae a signature loan for $111000. Most signature loans simply need a client, like Williemae’s signature to obtain them, up to $34,000 in some cases. Williemae was able to get $111000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans do not need collateral, these loans tend to need better credit, as high as 779
Williemae’s Transunion score was altered by the unsecured loan loan, changing to 509 from 524, which is typical in our experience.
Installment loan for Williemae, a graduate of San Jose State University and a plastic surgeon working for over $68,000 per year
Williemae, an alumnus at San Jose State University and a plastic surgeon in Elk City, Oklahoma wants an unsecured loan to purchase a car. Williemae has instead decided to get an installment loan for $9,000 and is at present seeking lenders like The First State Bank, Willow, Okla. to process their request.
Williemae was rejected by Security State Bank 6 times before being accepted by Heritage Savings and Loan Association of Elk City at 921 West Third Street
On May 23, 2009, Williemae inquired about borrowing $48,000 from Bank of Vici with Jarod, their in law from just outside Elk City, and even with the co-signer, Williemae was rejected for this unsecured loan. With fair credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans range from $35,000.00 to $45,000.00. They are mainly used to pay off existing high interest loans like credit cards. Williemae needed a debt consolidation loan to pay for their existing unsecured loan and their credit card. Williemae was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.3%.
Paraphrased and Standardized Quote from Williemae for this unsecured loan of $111000, provided by Heritage Savings and Loan Association of Elk City
Hello, I am Williemae and my hometown is Elk City in Oklahoma. Beckham, county is where I grew up, and now I need a unsecured loan in Oklahoma for $111000 to buy a big ticket item. It wasn’t easy, but Heritage Savings and Loan Association of Elk City really came through for me with this loan for 9.1% interest APR and a term of 23 years. I can repay the loan over the 23 year term, including interest. A big thanks to Heritage Savings and Loan Association of Elk City for giving me a chance and my fair credit. It look me 7 years to create my credit to 524, and I won’t harm it any more. I am pleased with Find Texas Loans for helping me this far.
Previous requests on Williemae’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$28110.00||9||9.7%||$391.2||The First State Bank||November 8, 2011|
|$28460.00||8||6.4%||$379.57||Security Bank and Trust Company||August 21, 2012|
|$28100.00||4||10.3%||$716.74||The First State Bank, Willow, Okla.||November 1, 2013|
|$27550.00||11||7.5%||$307.13||Sooner State Bank||December 10, 2013|
When Williemae was 23, they tried to obtain a student loan from 7 different lenders, which harmed their credit score. Below is a list of Williemae’s previous attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on July 26, 2013
- Attempt 2) Loan for $27,000.00 on April 4, 2012
- Attempt 3) Loan for $30,000.00 on June 30, 2009
- Attempt 4) Loan for $20,000.00 on April 1, 2009
- Attempt 5) Loan for $31,000.00 on April 4, 2012
- Attempt 6) Loan for $31,000.00 on October 11, 2009
- Attempt 7) Loan for $32,000.00 on November 3, 2011
Williemae’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their plastic surgeon job and their future job as a hotel convention/events coordinator
Before applying for this unsecured loan, Williemae had an Experian score of 541, which is fair, so Heritage Savings and Loan Association of Elk City most likely cannot provide Williemae an unsecured loan
Williemae has a very low current yearly income, but has a large amount of prospects
Williemae has always wanted to be a hotel convention/events coordinator, but would have to attend San Jose State University again to achieve it. Williemae has other prospects as well, including emergency management specialist, automotive engineer, and fund raiser, which pay $53,000 through to $101,000 per year, on average. For this reason, we believe that Williemae can afford this unsecured loan of $111000.
Personal Loan for a plastic surgeon named Williemae in Elk City, Oklahoma to Pay Off American Eagle Outfitters Inc. Credit Card
Williemae had a tonne of credit card debt on their BankFIRST Visa Signature Card and their Tompkins Trust Company Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Williemae’s job as a plastic surgeon, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Fast Loans for Williemae in Elk City, Oklahoma to prevent bankruptcy or harm from debt collectors.
Fast loans in Elk City, Oklahoma aren’t actually that difficult to obtain, particularly if you have some gumption like Williemae. Williemae was able to find a fast loan for $111000 from Gold BANK and The First Bank of Okarche, but turned down both offers in favor of their unsecured loan from Heritage Savings and Loan Association of Elk City. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. Much better in the case that you are on the go.
Conclusion of Williemae’s unsecured loan
In the end, Williemae was able to find an unsecured loan for $111000 with an interest rate of 11.7% interest APR from Heritage Savings and Loan Association of Elk City in Elk City, Oklahoma repayable over 23 years from today.