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Elena Canepa’s Personal Loan For 21000 Dollars In Norman Oklahoma

$21000 Personal Loan – Norman Oklahoma, Credit Rating Of 778

  • Experian: 796 – This client had an excellent Experian score
  • Transunion: 761 – Elena had an excellent credit rating with Transunion.
  • Equifax: Elena’s Experian score was 778, which is an excellent credit rating using the Experian scale.

Elena’s Transunion score was changed by the personal loan loan, changing to 761 from 778, which is normal in our experience.

Transunion Score: 761

Paraphrased and Standardized Quote from Elena for this personal loan of $21000, provided by Arvest Bank

Hello, I am Elena and I’m from Norman in Oklahoma. Cleveland, county is where I grew up, and now I need a personal loan in Oklahoma for $21000 to pay bills. It wasn’t easy, but Arvest Bank really came through for me with this loan for 11.5% interest APR and a term of 7 years. I can probably repay the loan over the 7 year term, including interest. A big thanks to Arvest Bank for trusting me and my excellent credit. It look me 6 years to build my credit to 778, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.

Before applying for this personal loan, Elena had an Experian score of 796, which is excellent, so Arvest Bank most likely can provide Elena a personal loan

Experian Score: 796

Installment loan for Elena, a graduate of Douglas J Aveda Institute and a brokerage clerk working for over $61,000 per year

Elena, an alumnus at Douglas J Aveda Institute and a brokerage clerk in Norman, Oklahoma wants a personal loan to purchase something frivolous. Elena has instead decided to get an installment loan for $17,000 and is at present seeking lenders like Gold BANK to provide it.

Signature Loan found in Norman, Oklahoma for $21000 with excellent credit by Elena

A lot of clients struggle with finding signature loans in Norman, Oklahoma, and Elena is the same. Elena went to 6 lenders or more prior to settling on Arvest Bank, who offered Elena a signature loan for $21000. Typical signature loans simply need a client, like Elena’s signature to obtain them, up to $37,000 in some cases. Elena was able to get $21000 as a personal loan, which is very high for a personal loan. Since signature loans do not need a cosigner, they tend to require improved credit, as high as 771

Fast Loans for Elena in Norman, Oklahoma to prevent bankruptcy or harm from debt collectors.

Fast loans in Norman, Oklahoma aren’t actually that difficult to obtain, especially if you have some gumption like Elena. Elena was able to find a fast loan for $21000 from The First Bank of Okarche and The First State Bank, but turned down both offers in favor of their personal loan from Arvest 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 6 weeks for installment loans. A big improvement in the case that a borrower is in a pinch.

Elena has a disappointing current total income, but has several of prospects

Elena has always wanted to be an employment interviewer, but would need attend Douglas J Aveda Institute again to achieve it. Elena has other possibilities as well, including painters, tour guide, and educational administrator, which pay $51,000 through to $102,000 per year, on average. Because of this, we believe that Elena can pay for this personal loan of $21000.

When Elena was 22, they tried to obtain a student loan from 6 different banks, which harmed their credit rating. Below is a list of Elena’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on January 31, 2013
  • Attempt 2) Loan for $35,000.00 on May 28, 2012
  • Attempt 3) Loan for $28,000.00 on August 16, 2013
  • Attempt 4) Loan for $36,000.00 on November 20, 2008
  • Attempt 5) Loan for $29,000.00 on November 28, 2010
  • Attempt 6) Loan for $24,000.00 on December 7, 2010

Previous requests on Elena’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$117860.00 5 6.2% $2289.54 The First State Bank September 19, 2012
$118470.00 9 7.5% $1511.8 Security Bank and Trust Company October 3, 2012
$117570.00 3 7.2% $3640.98 The First State Bank, Willow, Okla. November 25, 2013
$118310.00 3 8.2% $3718.33 Sooner State Bank September 9, 2014
$117620.00 7 6.6% $1752.29 The Farmers State Bank September 13, 2014

Personal Loan for a brokerage clerk named Elena in Norman, Oklahoma to Pay Off Club Carlson Platinum Rewards Visa Card

Elena had a lot of credit card debt on their Bealls Florida Credit Card and their Eddie Bauer Credit Card, and they were starting to get in over their heads. Despite Elena’s job as a brokerage clerk, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans vary from $30,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Elena needed a debt consolidation loan to pay for their existing personal loan and their loan shark loan. Elena was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.4%.

Client Profile: Elena Canepa of Norman, Oklahoma
  • Full name (Changed if requested): Elena Canepa
  • Current Credit: loans.hit.utils.Fico@4783da3f
  • Current City: Norman
  • State: Oklahoma
  • Zip code: 73077
  • Yearly income: $67,000
  • Current Job: brokerage clerk
  • Current County: Cleveland
  • Goal Yearly Income: $137,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Elena was declined by The First Bank of Okarche 6 times before being granted funding by Arvest Bank at 200 East Main Street

On April 1, 2010, Elena applied about borrowing $16,000 from The First State Bank with Leonie, their in law from just outside Norman, and even with the co-signer, Elena was rejected for this personal loan. With excellent credit, it can be very hard to procure funding, even with collateral and a co-signer.

Contact Details for Arvest Bank, the provider of this personal loan

  • Arvest Bank
  • City: Norman
  • State: Oklahoma
  • Address: 200 East Main Street
  • County: Cleveland
  • Zip code: 73070

6 Months in the Past, Elena Attempted Finding a High Risk Loan for $31,000.00, and it was Hard

It is an ongoing struggle for clients to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Elena. Elena chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Borrowers with credit scores as low as 588 can apply for a high risk loan and may be be accepted.

Elena’s Overall FICO score at the time of acceptance for a personal loan, taking into account their brokerage clerk job and their future job as an employment interviewer

Fico Score: 778

Multiple other requests for credit have been made by Elena in the past, including one from North Jersey Federal Savings Association in Norman, Oklahoma before Elena was accepted for the $21000 by Arvest Bank

Elena made 4 prior attempts to obtain a personal loan, 2 of which were with North Jersey Federal Savings Association, a bank in Norman, Oklahoma known to specialize in personal loans specifically. Before finding Arvest Bank, Elena was desperate due to their inexperience and excellent credit score.

Conclusion of Elena’s personal loan

In the end, Elena was able to find a personal loan for $21000 with an interest rate of 11.5% interest APR from Arvest Bank in Norman, Oklahoma repayable over 7 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.