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High Risk Loan With Low APR In Warren County, Ohio

$99000 High Risk Loan – Maineville Ohio, Credit Score Of 670

  • Experian: 689 – The client had a good Experian score
  • Transunion: 654 – Kennith had a good credit rating with Transunion.
  • Equifax: Kennith’s Experian score was 670, which is a good credit score with the Experian system.

Kennith’s Transunion score was changed by the high risk loan loan, changing to 654 from 670, which is normal in our experience.

Transunion Score: 654

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

Average 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. Kennith needed a debt consolidation loan to pay for their existing high risk loan and their credit card. Kennith was able to find a high risk loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.0%.

6 Months Ago, Kennith Tried Finding a High Risk Loan for $46,000.00, and it was Easy

There is an ongoing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Kennith. Kennith decided not to get a high risk loan this time. High Risk loans are given to bad credit individuals. Clients with credit ratings as low as 489 can apply for a high risk loan and have a chance to be approved.

Kennith has a low current total income, but has several of prospects

Kennith has always wanted to be a cook, but would have to attend Axis Business Academy – Ben Crenshaw Campus again to become one. Kennith has other possibilities as well, including certified public accountant, reservation ticket agent, and environmental science professsor, which pay $52,000 through to $91,000 per year, on average. For this reason, we believe that Kennith can afford this high risk loan of $99000.

Several previous requests for credit have been made by Kennith in the past, including one from BankCenter One/St. Charles in Maineville, Ohio before Kennith was accepted for the $99000 by Cardinal State Bank

Kennith made 5 previous tries to obtain a high risk loan, 2 of which were with BankCenter One/St. Charles, a bank in Maineville, Ohio known to specialize in high risk loans specifically. Prior to finding Cardinal State Bank, Kennith was very concerned due to their inexperience and good credit rating.

Signature Loan acquired in Maineville, Ohio for $99000 with good credit by Kennith

Most prospective borrowers have difficulty with finding signature loans in Maineville, Ohio, and Kennith is the same. Kennith went to 4 lenders or more prior to settling on Cardinal State Bank, who offered Kennith a signature loan for $99000. Typical signature loans simply require a client, like Kennith’s signature to get them, up to $24,000 in some cases. Kennith was able to get $99000 as a high risk loan, which is very high for a high risk loan. Since signature loans don’t need a cosigner, these loans tend to need better credit, as high as 756

Kennith’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their mail clerk job and their future career as a cook

Fico Score: 670

Personal Loan for a mail clerk named Kennith in Maineville, Ohio to Pay Off MCU Visa Platinum

Kennith had a tonne of credit card debt on their Gconomy Visa Card and their ESL Visa Credit Card, and they were starting to get in over their heads. Despite Kennith’s job as a mail clerk, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Kennith for this high risk loan of $99000, provided by Cardinal State Bank

Hi, I am Kennith and I am from Maineville in Ohio. Warren, county is where I grew up, and now I need a high risk loan in Ohio for $99000 to buy a car. It has been difficult, but Cardinal State Bank really came through for me with this loan for 5.2% interest APR and a term of 2 years. I can probably repay the loan over the 2 year term, including interest. A big thanks to Cardinal State Bank for trusting me and my good credit. It look me 4 years to build my credit to 670, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Installment loan for Kennith, a graduate of Axis Business Academy – Ben Crenshaw Campus and a mail clerk working for over $69,000 per year

Kennith, an alumnus at Axis Business Academy – Ben Crenshaw Campus and a mail clerk in Maineville, Ohio wants a high risk loan to purchase a house. Kennith has instead chosen to obtain an installment loan for $26,000 and is currently seeking lenders like ShoreBank to process their request.

Contact Details for Cardinal State Bank, the provider of this high risk loan

  • Cardinal State Bank
  • City: Maineville
  • State: Ohio
  • Address: 2894 West 22 And Route 3
  • County: Warren
  • Zip code: 45039

When Kennith was 19, they attempted to obtain a student loan from 6 alternate lenders, which damaged their credit rating. Below is a list of Kennith’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on March 7, 2011
  • Attempt 2) Loan for $38,000.00 on November 27, 2010
  • Attempt 3) Loan for $29,000.00 on August 30, 2012
  • Attempt 4) Loan for $25,000.00 on July 9, 2011
  • Attempt 5) Loan for $32,000.00 on January 6, 2009
  • Attempt 6) Loan for $34,000.00 on March 17, 2009

Fast Loans for Kennith in Maineville, Ohio to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Maineville, Ohio aren’t actually that difficult to obtain, particularly if you have some gumption like Kennith. Kennith was able to find a fast loan for $99000 from The Fifth Third Bank and The Ohio Valley Bank Company, but declined both offers in favor of their high risk loan from Cardinal State Bank. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement if you are in a time sensitive situation.

Client Profile: Kennith Dominy of Maineville, Ohio
  • Full name (Changed if requested): Kennith Dominy
  • Current Credit: loans.hit.utils.Fico@49097b5d
  • Current City: Maineville
  • State: Ohio
  • Zip code: 45047
  • Yearly income: $40,000
  • Current Job: mail clerk
  • Current County: Warren
  • Goal Yearly Income: $132,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Before applying for this high risk loan, Kennith had an Experian score of 689, which is good, so Cardinal State Bank probably cannot provide Kennith a high risk loan

Experian Score: 689

Previous requests on Kennith’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$41640.00 11 5.6% $423.24 The Vinton Banking Company December 24, 2008
$42390.00 5 7.8% $855.46 The Ohio Valley Bank Company June 21, 2011
$42110.00 6 7.4% $726.05 The Citizens Bank August 7, 2013
$41770.00 11 10.8% $542.04 The Peoples Bank December 20, 2013
$41570.00 6 6.5% $698.79 The Freeport State Bank December 20, 2014

Kennith was not approved by First City Bank 5 times prior to being approved by Cardinal State Bank at 2894 West 22 And Route 3

On September 6, 2012, Kennith inquired about borrowing $21,000 from Peoples Banking Company of Martins Ferry, Ohio with Theresa, their in law from just outside Maineville, and even with the co-signer, Kennith was rejected for this high risk loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.

Conclusion of Kennith’s high risk loan

In the end, Kennith was able to find a high risk loan for $99000 with an interest rate of 5.3% interest APR from Cardinal State Bank in Maineville, Ohio repayable over 2 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.