$48000 Quick Loan – Hartford Kentucky, Credit Score Of 544
- Experian: 563 – This client had a fair Experian rating
- Transunion: 532 – Rachele had a fair credit rating with Transunion.
- Equifax: Rachele’s Experian score was 544, which is a fair credit score on the Experian system.
- Full name (Changed if requested): Rachele Sondergaard
- Current Credit: loans.hit.utils.Fico@4e515669
- Current City: Hartford
- State: Kentucky
- Zip code: 42356
- Yearly income: $52,000
- Current Job: education professor
- Current County: Ohio
- Goal Yearly Income: $115,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Rachele’s Overall FICO score at the time of acceptance for a quick loan, taking into account their education professor job and their future job as a radio & tv program director
Before applying for this quick loan, Rachele had an Experian score of 563, which is fair, so Citizens Bank likely cannot provide Rachele a quick loan
8 Months Ago, Rachele Attempted Finding a High Risk Loan for $43,000.00, but They Didn’t Find What They were Expecting
It is an ongoing struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Rachele. Rachele decided not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Clients with credit ratings as low as 315 can inquire for a high risk loan and possibly can be approved.
Contact Details for Citizens Bank, the provider of this quick loan
- Citizens Bank
- City: Hartford
- State: Kentucky
- Address: Main And Center Streets
- County: Ohio
- Zip code: 42347
Several other requests for credit have been made by Rachele in the past, including one from Farmers and Merchants Bank in Hartford, Kentucky before Rachele was accepted for the $48000 by Citizens Bank
Rachele made 8 prior attempts to obtain a quick loan, 2 of which were with Farmers and Merchants Bank, a lending institution in Hartford, Kentucky known to specialize in quick loans specifically. Prior to finding Citizens Bank, Rachele was desperate due to their inexperience and fair credit score.
Installment loan for Rachele, a graduate of Community College of Beaver County and an education professor working for over $78,000 per year
Rachele, an alumnus at Community College of Beaver County and an education professor in Hartford, Kentucky needs a quick loan to purchase something frivolous. Rachele has instead chosen to obtain an installment loan for $2,000 and is at present seeking lenders like The Monticello Banking Company to process their request.
Rachele’s Transunion score was altered by the quick loan loan, changing to 532 from 544, which is normal in our experience.
Fast Loans for Rachele in Hartford, Kentucky to prevent bankruptcy or harm from debt collectors.
Fast loans in Hartford, Kentucky aren’t actually that difficult to obtain, especially if you have some gumption like Rachele. Rachele was able to find a fast loan for $48000 from Citizens Deposit Bank and Citizens Deposit Bank, but turned down both offers in favor of their quick loan from Citizens Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement if a borrower is in a time sensitive situation.
Personal Loan for an education professor named Rachele in Hartford, Kentucky to Pay Off Steuben Trust Visa Signature Bonus Rewards PLUS Card
Rachele had a tonne of credit card debt on their MCU Visa Classic and their First Niagara Bank Rewards MasterCard, and they were starting to get in over their heads. Despite Rachele’s job as an education professor, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Rachele has a disappointing current gross income, but has several of prospects
Rachele has always wanted to be a radio & tv program director, but would have to attend Community College of Beaver County again to achieve it. Rachele has other prospects as well, including electrical parts reconditioner, preschool administrator, and dental / orthodontic office administrator, which pay $56,000 through to $91,000 per year, at least. Because of this, we believe that Rachele can afford this quick loan of $48000.
When Rachele was 22, they attempted to obtain a student loan from 6 different banks, which harmed their credit rating. Below is a chronology of Rachele’s previous attempts at finding a student loan:
- Attempt 1) Loan for $32,000.00 on March 31, 2009
- Attempt 2) Loan for $31,000.00 on September 23, 2011
- Attempt 3) Loan for $38,000.00 on January 2, 2010
- Attempt 4) Loan for $37,000.00 on May 31, 2010
- Attempt 5) Loan for $36,000.00 on July 2, 2010
- Attempt 6) Loan for $29,000.00 on July 24, 2013
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $23,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Rachele required a debt consolidation loan to pay for their existing quick loan and their loan shark loan. Rachele was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.7%.
Previous requests on Rachele’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$57320.00||8||9.8%||$863.73||Stock Yards Bank & Trust Company||January 8, 2009|
|$56520.00||10||6.8%||$650.43||Farmers Deposit Bank of Brandenburg||April 24, 2010|
|$57130.00||11||9.7%||$705.6||Citizens Bank||May 15, 2012|
|$56820.00||4||10.8%||$1463.03||Citizens Bank & Trust Company, Burgin, Kentucky||December 13, 2013|
|$56820.00||3||5.3%||$1710.61||Farmers National Bank||August 27, 2014|
Signature Loan easily acquired in Hartford, Kentucky for $48000 with fair credit by Rachele
A lot of clients struggle with finding signature loans in Hartford, Kentucky, and Rachele is the same. Rachele went to 5 lenders or more before finding Citizens Bank, who offered Rachele a signature loan for $48000. Typical signature loans simply require a client, like Rachele’s signature to obtain them, up to $36,000 in some cases. Rachele was able to get $48000 as a quick loan, which is very high for a quick loan. Because signature loans don’t need collateral, they tend to need better credit, as high as 786
Paraphrased and Standardized Quote from Rachele for this quick loan of $48000, provided by Citizens Bank
Hello, I am Rachele and I’m from Hartford in Kentucky. Ohio, county is where I grew up, and now I need a quick loan in Kentucky for $48000 to renovate my home. It wasn’t easy, but Citizens Bank really came through for me with this loan for 11.7% interest APR and a term of 1 years. I can repay the loan over the 1 year term, including interest. A big thanks to Citizens Bank for trusting me and my fair credit. It look me 5 years to build my credit to 544, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.
Rachele was not approved by The First State Bank and Trust Company of Manchester, Kentucky 4 times before being approved by Citizens Bank at Main And Center Streets
On April 2, 2011, Rachele inquired about borrowing $31,000 from Bank of Danville and Trust Company with Patricia, their in law from just outside Hartford, and even with the co-signer, Rachele was rejected for this quick loan. With fair credit, it can be very hard to procure funding, even with collateral and a co-signer.
Conclusion of Rachele’s quick loan
In the end, Rachele was able to find a quick loan for $48000 with an interest rate of 5.4% interest APR from Citizens Bank in Hartford, Kentucky repayable over 1 years from today.