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Same Day Loan Of $147000 For Bad Credit Virginia Resident

$147000 Same Day Loan – Glen Allen Virginia, Credit Score Of 481

  • Experian: 499 – This individual had a bad Experian score
  • Transunion: 462 – Cortez had a bad credit score with Transunion.
  • Equifax: Cortez’s Experian score was 481, which is a bad credit score on the Experian system.

Personal Loan for a pathologist named Cortez in Glen Allen, Virginia to Pay Off University of Iowa Credit Card

Cortez had a tonne of credit card debt on their Tioga State Bank Visa Business Card and their Popular Community Bank Platinum MasterCard, and they were starting to get in over their heads. Despite Cortez’s job as a pathologist, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

6 Months Ago, Cortez Tried to Find a High Risk Loan for $22,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Cortez. Cortez chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit clients. Clients with credit ratings as low as 421 can inquire for a high risk loan and have a chance to be accepted.

Paraphrased and Standardized Quote from Cortez for this same day loan of $147000, provided by First Capital Bank

Hello, I am Cortez and I’m from Glen Allen in Virginia. Henrico, county is where I grew up, and now I need a same day loan in Virginia for $147000 to renovate my home. It has been difficult, but First Capital Bank really came through for me with this loan for 9.3% 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 Capital Bank for giving me a chance and my bad credit. It look me 7 years to create my credit to 481, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.

Contact Details for First Capital Bank, the provider of this same day loan

  • First Capital Bank
  • City: Glen Allen
  • State: Virginia
  • Address: 11001 West Broad Street
  • County: Henrico
  • Zip code: 23060

Fast Loans for Cortez in Glen Allen, Virginia to prevent bankruptcy or harm from debt collectors.

Fast loans in Glen Allen, Virginia aren’t actually that difficult to obtain, particularly if you have some finesse like Cortez. Cortez was able to find a fast loan for $147000 from Farmers and Merchants Bank of Boones Mill, Virginia and Central Fidelity Bank, but turned down both offers in favor of their same day loan from First Capital Bank. The improvement with a fast loan over a personal 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.

Before applying for this same day loan, Cortez had an Experian score of 499, which is bad, so First Capital Bank probably cannot provide Cortez a same day loan

Experian Score: 499

Cortez’s Overall FICO score at the time of acceptance for a same day loan, taking into account their pathologist job and their future career as an account collector

Fico Score: 481

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $33,000.00 to $58,000.00. They are typically used to pay off existing high interest loans like credit cards. Cortez required a debt consolidation loan to pay for their existing same day loan and their loan shark loan. Cortez was able to find a same day loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your dirty, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.0%.

Previous requests on Cortez’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$105370.00 4 5.1% $2431.37 Citizens Bank and Trust Company April 4, 2014
$105370.00 4 7.6% $2552.65 Peoples Community Bank August 13, 2014
$104720.00 10 10.8% $1430.69 Crestar Bank July 13, 2015
$105220.00 9 5.5% $1237.39 The Merchants and Farmers Bank July 22, 2015
$104560.00 6 8.1% $1838.39 First Virginia Bank-South Hill August 10, 2015

When Cortez was 22, they tried to obtain a student loan from 5 different banks, which harmed their credit rating. Below is a chronology of Cortez’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on March 21, 2012
  • Attempt 2) Loan for $39,000.00 on May 31, 2010
  • Attempt 3) Loan for $25,000.00 on February 5, 2010
  • Attempt 4) Loan for $31,000.00 on October 15, 2009
  • Attempt 5) Loan for $28,000.00 on May 28, 2011

Multiple other requests for credit have been made by Cortez in the past, including one from Heritage Bank in Glen Allen, Virginia before Cortez was accepted for the $147000 by First Capital Bank

Cortez made 6 previous tries to obtain a same day loan, 2 of which were with Heritage Bank, a bank in Glen Allen, Virginia known to specialize in same day loans specifically. Before finding First Capital Bank, Cortez was concerned due to their inexperience and bad credit score.

Cortez was rejected by Citizens Bank and Trust Company 7 times before being approved by First Capital Bank at 11001 West Broad Street

On December 4, 2010, Cortez applied about borrowing $38,000 from Riggs Bank National Association with Quintin, their friend from just outside Glen Allen, and even with the co-signer, Cortez was rejected for this same day loan. With bad credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Installment loan for Cortez, a graduate of Strayer University and a pathologist working for over $79,000 per year

Cortez, an alumnus at Strayer University and a pathologist in Glen Allen, Virginia needs a same day loan to purchase a house. Cortez has instead decided to get an installment loan for $3,000 and is currently seeking lenders like Farmers and Merchants Bank of Boones Mill, Virginia to process their request.

Client Profile: Cortez Hootman of Glen Allen, Virginia
  • Full name (Changed if requested): Cortez Hootman
  • Current Credit: loans.hit.utils.Fico@7eda2dbb
  • Current City: Glen Allen
  • State: Virginia
  • Zip code: 23061
  • Yearly income: $31,000
  • Current Job: pathologist
  • Current County: Henrico
  • Goal Yearly Income: $82,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Signature Loan acquired in Glen Allen, Virginia for $147000 with bad credit by Cortez

Many prospective borrowers struggle with finding signature loans in Glen Allen, Virginia, and Cortez is the same. Cortez went to 4 lending institutions or more prior to settling on First Capital Bank, who offered Cortez a signature loan for $147000. Typical signature loans simply require a client, like Cortez’s signature to obtain them, up to $46,000 in some cases. Cortez was able to get $147000 as a same day loan, which is very high for a same day loan. Since signature loans do not need collateral, these loans tend to need higher credit, as high as 740

Cortez’s Transunion score was altered by the same day loan loan, changing to 462 from 481, which is typical in our experience.

Transunion Score: 462

Cortez has a sad current yearly income, but has several of prospects

Cortez has always wanted to be an account collector, but would need attend Strayer University again to become one. Cortez has other possibilities as well, including home appliance installer, wildlife biologist, and technological espionage intelligence agent, which pay $55,000 through to $97,000 per year, on average. Because of this, we think that Cortez can pay for this same day loan of $147000.

Conclusion of Cortez’s same day loan

In the end, Cortez was able to find a same day loan for $147000 with an interest rate of 5.5% interest APR from First Capital Bank in Glen Allen, Virginia 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.