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4 Year Direct Loan For Parthenia In Warrenton Georgia

$52000 Direct Loan – Warrenton Georgia, Credit Rating Of 588

  • Experian: 600 – This individual had a fair Experian rating
  • Transunion: 572 – Parthenia had a fair credit score with Transunion.
  • Equifax: Parthenia’s Experian score was 588, which is a fair credit score on the Experian scale.

Signature Loan found in Warrenton, Georgia for $52000 with fair credit by Parthenia

A lot of borrowers have difficulty with obtaining signature loans in Warrenton, Georgia, and Parthenia is not an exception. Parthenia went to 7 lending institutions or more before finding Citizens Bank, who offered Parthenia a signature loan for $52000. Typical signature loans simply need a client, like Parthenia’s signature to get them, up to $28,000 in some cases. Parthenia was able to get $52000 as a direct loan, which is very high for a direct loan. Since signature loans do not require collateral, they generally require higher credit, as high as 775

Parthenia’s Overall FICO score at the time of acceptance for a direct loan, taking into account their ornamental-metalwork designer job and their future career as a marine surveyor

Fico Score: 588

Paraphrased and Standardized Quote from Parthenia for this direct loan of $52000, provided by Citizens Bank

Hi, I am Parthenia and I am from Warrenton in Georgia. Warren, county is where I grew up, and now I need a direct loan in Georgia for $52000 to pay bills. It has been difficult, but Citizens Bank really came through for me with this loan for 10.7% interest APR and a term of 5 years. I will repay the loan over the 5 year term, including interest. A big thanks to Citizens Bank for giving me a chance and my fair credit. It look me 9 years to create my credit to 588, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Contact Details for Citizens Bank, the provider of this direct loan

  • Citizens Bank
  • City: Warrenton
  • State: Georgia
  • Address: 488 Main Street
  • County: Warren
  • Zip code: 30828

When Parthenia was 20, they attempted to obtain a student loan from 5 different lenders, which harmed their credit rating. Below is a chronology of Parthenia’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on March 31, 2011
  • Attempt 2) Loan for $35,000.00 on September 2, 2012
  • Attempt 3) Loan for $22,000.00 on February 27, 2009
  • Attempt 4) Loan for $30,000.00 on June 26, 2013
  • Attempt 5) Loan for $20,000.00 on January 30, 2010

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $30,000.00 to $47,000.00. They are normally used to pay off existing high interest loans like credit cards. Parthenia required a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Parthenia was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.3%.

Personal Loan for an ornamental-metalwork designer named Parthenia in Warrenton, Georgia to Pay Off Citgo Plus Card

Parthenia had a lot of credit card debt on their Plains Commerce Bank Visa Gold Card and their Citi Platinum Select CITGO MasterCard, and they were starting to get in over their heads. Despite Parthenia’s job as an ornamental-metalwork designer, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Parthenia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$80750.00 11 6.2% $845.4 NationsBank of Florida, National Association July 26, 2012
$80520.00 6 5.5% $1315.53 Century Bank and Trust November 16, 2014
$81470.00 7 10.2% $1360.93 Bank of Madison May 23, 2015
$81480.00 11 10.6% $1047.98 Bank of Hazlehurst July 20, 2015

Installment loan for Parthenia, a graduate of Alabama A & M University and an ornamental-metalwork designer working for over $64,000 per year

Parthenia, an alumnus at Alabama A & M University and an ornamental-metalwork designer in Warrenton, Georgia needs a direct loan to purchase a house. Parthenia has instead decided to get an installment loan for $15,000 and is at present seeking lenders like Coffee County Bank to process their request.

Several past requests for credit have been made by Parthenia in the past, including one from Colonial Savings Bank in Warrenton, Georgia before Parthenia was accepted for the $52000 by Citizens Bank

Parthenia made 5 previous tries to obtain a direct loan, 2 of which were with Colonial Savings Bank, a bank in Warrenton, Georgia known to specialize in direct loans specifically. Before finding Citizens Bank, Parthenia was concerned due to their inexperience and fair credit score.

Parthenia has a disappointing current yearly income, but has a large amount of prospects

Parthenia has always wanted to be a marine surveyor, but would have to attend Alabama A & M University again to become one. Parthenia has other possibilities as well, including correspondence clerk, bank examiner, and accounting specialist, which pay $57,000 through to $98,000 per year, on average. For this reason, we think that Parthenia can pay for this direct loan of $52000.

Parthenia’s Transunion score was altered by the direct loan loan, changing to 572 from 588, which is normal in our experience.

Transunion Score: 572

Before applying for this direct loan, Parthenia had an Experian score of 600, which is fair, so Citizens Bank likely cannot provide Parthenia a direct loan

Experian Score: 600

Parthenia was not approved by Bank of Alapaha 6 times prior to being approved by Citizens Bank at 488 Main Street

On July 28, 2011, Parthenia applied about borrowing $11,000 from The Citizens and Southern Bank of Colquitt County with Magali, their in law from just outside Warrenton, and even with the co-signer, Parthenia was rejected for this direct loan. With fair credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Fast Loans for Parthenia in Warrenton, Georgia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Warrenton, Georgia aren’t actually that difficult to obtain, particularly if you have some finesse like Parthenia. Parthenia was able to find a fast loan for $52000 from Roswell Bank and Peoples Bank of Bartow County, but turned down both offers in favor of their direct loan from Citizens Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big difference in the case that a client is in a time sensitive situation.

6 Months in the Past, Parthenia Attempted to Find a High Risk Loan for $30,000.00, and it was Easy

It is an ongoing struggle for borrowers to get high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Parthenia. Parthenia chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Individuals with credit ratings as low as 355 can inquire for a high risk loan and have a chance to be accepted.

Client Profile: Parthenia Swing of Warrenton, Georgia
  • Full name (Changed if requested): Parthenia Swing
  • Current Credit: loans.hit.utils.Fico@26f0a63f
  • Current City: Warrenton
  • State: Georgia
  • Zip code: 30836
  • Yearly income: $32,000
  • Current Job: ornamental-metalwork designer
  • Current County: Warren
  • Goal Yearly Income: $146,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Conclusion of Parthenia’s direct loan

In the end, Parthenia was able to find a direct loan for $52000 with an interest rate of 5.6% interest APR from Citizens Bank in Warrenton, Georgia 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.