$42000 No Collateral Loan – Hicksville Ohio, Credit Rating Of 528
- Experian: 545 – This individual had a fair Experian rating
- Transunion: 513 – Antwan had a fair credit score with Transunion.
- Equifax: Antwan’s Experian score was 528, which is a fair credit rating with the Experian rating scheme.
Installment loan for Antwan, a graduate of Mountwest Community and Technical College and a civil drafter working for over $70,000 per year
Antwan, an alumnus at Mountwest Community and Technical College and a civil drafter in Hicksville, Ohio wants a no collateral loan to purchase a new cell phone. Antwan has instead decided to obtain an installment loan for $6,000 and is at present seeking lenders like First City Bank to provide it.
Antwan’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their civil drafter job and their future career as a model maker
Before applying for this no collateral loan, Antwan had an Experian score of 545, which is fair, so The Hicksville Bank likely cannot provide Antwan a no collateral loan
Contact Details for The Hicksville Bank, the provider of this no collateral loan
- The Hicksville Bank
- City: Hicksville
- State: Ohio
- Address: 144-146 East High Street
- County: Defiance
- Zip code: 43526
- Full name (Changed if requested): Antwan Hallas
- Current Credit: loans.hit.utils.Fico@75a1cd57
- Current City: Hicksville
- State: Ohio
- Zip code: 43531
- Yearly income: $43,000
- Current Job: civil drafter
- Current County: Defiance
- Goal Yearly Income: $112,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Antwan’s Transunion score was altered by the no collateral loan loan, changing to 513 from 528, which is normal in our experience.
Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans vary from $35,000.00 to $57,000.00. They are normally used to pay off existing high interest loans like credit cards. Antwan needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Antwan was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.8%.
6 Months Ago, Antwan Attempted to Find a High Risk Loan for $26,000.00, and it was Easy
There is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Antwan. Antwan decided not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Individuals with credit scores as low as 394 can apply for a high risk loan and have a chance to be approved.
Signature Loan acquired in Hicksville, Ohio for $42000 with fair credit by Antwan
Most prospective borrowers have difficulty with finding signature loans in Hicksville, Ohio, and Antwan is no exception. Antwan went to 6 lenders or more prior to settling on The Hicksville Bank, who offered Antwan a signature loan for $42000. Most signature loans simply require a client, like Antwan’s signature to obtain them, up to $35,000 in some cases. Antwan was able to get $42000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans do not need a cosigner, these loans generally require improved credit, as high as 799
Antwan has a low current total income, but has several of prospects
Antwan has always wanted to be a model maker, but would have to attend Mountwest Community and Technical College again to become one. Antwan has other prospects as well, including job development specialist, finance manager, and tax auditor, which pay $53,000 through to $97,000 per year, on average. Because of this, we think that Antwan can pay for this no collateral loan of $42000.
Personal Loan for a civil drafter named Antwan in Hicksville, Ohio to Pay Off Berkshire Municipal Bank Visa Platinum Card
Antwan had a lot of credit card debt on their Astoria Bank Business Edition Visa Card with Absolute Rewards and their HSBC Advance MasterCard Credit Card, and they were starting to get in over their heads. Despite Antwan’s job as a civil drafter, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Antwan was declined by JPMorgan Chase Bank, National Association 7 times before being approved by The Hicksville Bank at 144-146 East High Street
On October 21, 2008, Antwan inquired about borrowing $35,000 from Northwest Ohio Bank with Elke, their friend from just outside Hicksville, and even with the co-signer, Antwan was rejected for this no collateral loan. With fair credit, it can be very hard to obtain financing, even with collateral and a co-signer.
Previous requests on Antwan’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$28100.00||6||10.1%||$521.99||The Vinton Banking Company||December 15, 2010|
|$28250.00||4||7.8%||$687.02||The Ohio Valley Bank Company||November 28, 2013|
|$28310.00||10||10.5%||$382.0||The Citizens Bank||December 24, 2013|
|$27780.00||4||9.5%||$697.92||The Peoples Bank||January 21, 2014|
|$27780.00||4||7.3%||$669.1||The Freeport State Bank||July 3, 2014|
Paraphrased and Standardized Quote from Antwan for this no collateral loan of $42000, provided by The Hicksville Bank
Hello, I am Antwan and I’m from Hicksville in Ohio. Defiance, county is where I grew up, and now I need a no collateral loan in Ohio for $42000 to pay bills. It has been difficult, but The Hicksville Bank really came through for me with this loan for 6.3% interest APR and a term of 24 years. I can probably repay the loan over the 24 year term, including interest. A big thanks to The Hicksville Bank for giving me a chance and my fair credit. It look me 7 years to create my credit to 528, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.
Many previous requests for credit have been made by Antwan in the past, including one from Legacy Bank in Hicksville, Ohio before Antwan was accepted for the $42000 by The Hicksville Bank
Antwan made 5 previous attempts to obtain a no collateral loan, 2 of which were with Legacy Bank, a lender in Hicksville, Ohio known to specialize in no collateral loans specifically. Prior to finding The Hicksville Bank, Antwan was very concerned due to their inexperience and fair credit score.
Fast Loans for Antwan in Hicksville, Ohio to prevent bankruptcy or harm from debt collectors.
Fast loans in Hicksville, Ohio aren’t actually that difficult to obtain, particularly if you have some gumption like Antwan. Antwan was able to find a fast loan for $42000 from JPMorgan Chase Bank, National Association and The Home Banking Company, but declined both offers in favor of their no collateral loan from The Hicksville Bank. 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 7 weeks for installment loans. A big improvement in the case that you are in a time sensitive situation.
When Antwan was 23, they attempted to obtain a student loan from 5 different lenders, which damaged their credit rating. Below is a list of Antwan’s previous attempts at finding a student loan:
- Attempt 1) Loan for $28,000.00 on January 25, 2012
- Attempt 2) Loan for $31,000.00 on November 9, 2010
- Attempt 3) Loan for $36,000.00 on March 29, 2013
- Attempt 4) Loan for $29,000.00 on December 17, 2012
- Attempt 5) Loan for $25,000.00 on December 12, 2012
Conclusion of Antwan’s no collateral loan
In the end, Antwan was able to find a no collateral loan for $42000 with an interest rate of 6.5% interest APR from The Hicksville Bank in Hicksville, Ohio repayable over 24 years from today.