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$52000 Private Loan With Fair Credit In Goldsboro North Carolina

$52000 Private Loan – Goldsboro North Carolina, Credit Rating Of 564

  • Experian: 576 – This client had a fair Experian score
  • Transunion: 545 – Jong had a fair credit score with Transunion.
  • Equifax: Jong’s Experian score was 564, which is a fair credit score using the Experian rating scheme.

Contact Details for New East Bank of Goldsboro, the provider of this private loan

  • New East Bank of Goldsboro
  • City: Goldsboro
  • State: North Carolina
  • Address: 106 North Spence Avenue
  • County: Wayne
  • Zip code: 27534

Before applying for this private loan, Jong had an Experian score of 576, which is fair, so New East Bank of Goldsboro likely cannot provide Jong a private loan

Experian Score: 576

Previous requests on Jong’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$22420.00 11 7.1% $245.2 The Farmers Bank of Seaboard December 30, 2011
$22120.00 6 7.3% $380.32 The Bank of Raeford June 11, 2012
$22410.00 8 6.2% $296.69 The Bank of Coleridge April 28, 2013
$22140.00 4 9.3% $554.11 Farmers Bank of Sunbury July 26, 2013

Signature Loan found in Goldsboro, North Carolina for $52000 with fair credit by Jong

A lot of clients have difficulty with finding signature loans in Goldsboro, North Carolina, and Jong is no exception. Jong went to 6 lending institutions or more prior to settling on New East Bank of Goldsboro, who offered Jong a signature loan for $52000. Typical signature loans simply need a client, like Jong’s signature to get them, up to $33,000 in some cases. Jong was able to get $52000 as a private loan, which is very high for a private loan. Since signature loans don’t need a cosigner, they tend to require better credit, as high as 718

Client Profile: Jong Kissling of Goldsboro, North Carolina
  • Full name (Changed if requested): Jong Kissling
  • Current Credit: loans.hit.utils.Fico@42110406
  • Current City: Goldsboro
  • State: North Carolina
  • Zip code: 27537
  • Yearly income: $43,000
  • Current Job: surgical technician/technologist
  • Current County: Wayne
  • Goal Yearly Income: $83,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Jong was declined by Farmers Bank of Sunbury 4 times before being approved by New East Bank of Goldsboro at 106 North Spence Avenue

On April 29, 2009, Jong inquired about borrowing $40,000 from Commercial & Farmers Bank with Frederick, their friend from just outside Goldsboro, and even with the co-signer, Jong was rejected for this private loan. With fair credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Fast Loans for Jong in Goldsboro, North Carolina to prevent bankruptcy or harm from debt collectors.

Fast loans in Goldsboro, North Carolina aren’t actually that difficult to obtain, particularly if you have some finesse like Jong. Jong was able to find a fast loan for $52000 from United Carolina Bank and Communityone Bank, National Association, but turned down both offers in favor of their private loan from New East Bank of Goldsboro. The improvement 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 improvement if a client is on the go.

Installment loan for Jong, a graduate of The University of Alabama and a surgical technician/technologist working for over $73,000 per year

Jong, an alumnus at The University of Alabama and a surgical technician/technologist in Goldsboro, North Carolina needs a private loan to purchase a new cell phone. Jong has instead chosen to get an installment loan for $5,000 and is at present seeking lenders like Citizens National Bank of Concord to process their request.

8 Months in the Past, Jong Attempted Finding a High Risk Loan for $21,000.00, and it was Hard

There is an existing struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Jong. Jong chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Borrowers with credit ratings as low as 516 can inquire for a high risk loan and possibly can be approved.

When Jong was 21, they tried to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a list of Jong’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on November 26, 2009
  • Attempt 2) Loan for $34,000.00 on August 26, 2011
  • Attempt 3) Loan for $26,000.00 on October 26, 2013
  • Attempt 4) Loan for $20,000.00 on May 16, 2010

Jong’s Overall FICO score at the time of acceptance for a private loan, taking into account their surgical technician/technologist job and their future job as a disk jockey

Fico Score: 564

Personal Loan for a surgical technician/technologist named Jong in Goldsboro, North Carolina to Pay Off Steuben Trust Visa Signature Bonus Rewards PLUS Card

Jong had a tonne of credit card debt on their Fulton Bank Visa Signature Bonus Rewards Card and their Catherines Credit Card, and they were starting to get in over their heads. Despite Jong’s job as a surgical technician/technologist, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Jong for this private loan of $52000, provided by New East Bank of Goldsboro

Hello, I am Jong and I’m from Goldsboro in North Carolina. Wayne, county is where I grew up, and now I need a private loan in North Carolina for $52000 to buy a big ticket item. It has been difficult, but New East Bank of Goldsboro really came through for me with this loan for 7.1% interest APR and a term of 24 years. I can repay the loan over the 24 year term, including interest. A big thanks to New East Bank of Goldsboro for giving me a chance and my fair credit. It look me 8 years to build my credit to 564, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Multiple other requests for credit have been made by Jong in the past, including one from Golden Gate Bank in Goldsboro, North Carolina before Jong was approved for the $52000 by New East Bank of Goldsboro

Jong made 4 previous tries to obtain a private loan, 2 of which were with Golden Gate Bank, a bank in Goldsboro, North Carolina known to specialize in private loans specifically. Before finding New East Bank of Goldsboro, Jong was desperate due to their inexperience and fair credit rating.

Jong’s Transunion score was changed by the private loan loan, changing to 545 from 564, which is typical in our experience.

Transunion Score: 545

Jong has a low current total income, but has a large amount of prospects

Jong has always wanted to be a disk jockey, but would need attend The University of Alabama again to become one. Jong has other prospects as well, including instrument technician, farm equipment mechanic, and computer aided design technician, which pay $50,000 through to $104,000 per year, on average. For this reason, we think that Jong can pay for this private loan of $52000.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $35,000.00 to $51,000.00. They are typically used to pay off existing high interest loans like credit cards. Jong required a debt consolidation loan to pay for their existing private loan and their credit card. Jong was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.1%.

Conclusion of Jong’s private loan

In the end, Jong was able to find a private loan for $52000 with an interest rate of 11.8% interest APR from New East Bank of Goldsboro in Goldsboro, North Carolina repayable over 24 years from now.

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.