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6 Month Quick Loan For Gemma In Richmond Virginia

$108000 Quick Loan – Richmond Virginia, Credit Score Of 402

  • Experian: 412 – This individual had a bad Experian score
  • Transunion: 383 – Gemma had a bad credit score with Transunion.
  • Equifax: Gemma’s Experian score was 402, which is a bad credit score with the Experian scale.

Gemma’s Transunion score was changed by the quick loan loan, changing to 383 from 402, which is normal in our experience.

Transunion Score: 383

Installment loan for Gemma, a graduate of Pennsylvania State University and a video engineer working for over $70,000 per year

Gemma, an alumnus at Pennsylvania State University and a video engineer in Richmond, Virginia needs a quick loan to purchase a house. Gemma has instead chosen to get an installment loan for $20,000 and is currently seeking lenders like Planters Bank and Trust Company to provide it.

Client Profile: Gemma Lydia of Richmond, Virginia
  • Full name (Changed if requested): Gemma Lydia
  • Current Credit: loans.hit.utils.Fico@50675690
  • Current City: Richmond
  • State: Virginia
  • Zip code: 23238
  • Yearly income: $51,000
  • Current Job: video engineer
  • Current County: Richmond City
  • Goal Yearly Income: $146,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

When Gemma was 19, they tried to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a list of Gemma’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on March 14, 2011
  • Attempt 2) Loan for $37,000.00 on March 18, 2014
  • Attempt 3) Loan for $24,000.00 on October 1, 2011
  • Attempt 4) Loan for $28,000.00 on September 6, 2012
  • Attempt 5) Loan for $24,000.00 on December 17, 2008

Paraphrased and Standardized Quote from Gemma for this quick loan of $108000, provided by Coreast Savings Bank, FSB

Hi, I am Gemma and I’m from Richmond in Virginia. Richmond City, county is where I grew up, and now I need a quick loan in Virginia for $108000 to renovate my home. It has been difficult, but Coreast Savings Bank, FSB really came through for me with this loan for 11.5% interest APR and a term of 13 years. I can probably repay the loan over the 13 year term, including interest. A big thanks to Coreast Savings Bank, FSB for trusting me and my bad credit. It look me 4 years to build my credit to 402, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.

Before applying for this quick loan, Gemma had an Experian score of 412, which is bad, so Coreast Savings Bank, FSB probably cannot provide Gemma a quick loan

Experian Score: 412

Personal Loan for a video engineer named Gemma in Richmond, Virginia to Pay Off WEX Fleet Card

Gemma had a tonne of credit card debt on their Elder-Beerman Credit Card and their Volvo Credit Cards Von Maur Interest-Free Charge Card, and they were starting to get in over their heads. Despite Gemma’s job as a video engineer, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Gemma has a sad current total income, but has several of prospects

Gemma has always wanted to be a veterinarian, but would need attend Pennsylvania State University again to become one. Gemma has other possibilities as well, including electronics engineer, aquaculturist, and nurse’s aide, which pay $50,000 through to $90,000 per year, at least. Because of this, we believe that Gemma can pay for this quick loan of $108000.

Previous requests on Gemma’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$147140.00 5 9.7% $3104.61 Citizens Bank and Trust Company June 24, 2011
$147390.00 11 9.3% $1787.41 Peoples Community Bank August 3, 2012
$147320.00 9 8.4% $1948.6 Crestar Bank September 5, 2012
$147430.00 4 8.7% $3647.84 The Merchants and Farmers Bank May 2, 2013
$146630.00 3 7.8% $4581.33 First Virginia Bank-South Hill June 11, 2013

Signature Loan acquired in Richmond, Virginia for $108000 with bad credit by Gemma

Many prospective borrowers struggle with finding signature loans in Richmond, Virginia, and Gemma is the same. Gemma went to 4 lending institutions or more before finding Coreast Savings Bank, FSB, who offered Gemma a signature loan for $108000. Typical signature loans simply require a client, like Gemma’s signature to obtain them, up to $39,000 in some cases. Gemma was able to get $108000 as a quick loan, which is very high for a quick loan. Because signature loans do not require collateral, these loans tend to need higher credit, as high as 741

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $34,000.00 to $56,000.00. They are normally used to pay off existing high interest loans like credit cards. Gemma required a debt consolidation loan to pay for their existing quick loan and their credit card. Gemma was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.6%.

Contact Details for Coreast Savings Bank, FSB, the provider of this quick loan

  • Coreast Savings Bank, FSB
  • City: Richmond
  • State: Virginia
  • Address: 808 Moorefield Park Drive
  • County: Richmond City
  • Zip code: 23236

Fast Loans for Gemma in Richmond, Virginia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Richmond, Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Gemma. Gemma was able to find a fast loan for $108000 from Farmers Bank and Capital One, National Association, but turned down both offers in favor of their quick loan from Coreast Savings Bank, FSB. 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 debt consolidation loans. A big improvement in the case that a borrower is on the go.

Gemma’s Overall FICO score at the time of acceptance for a quick loan, taking into account their video engineer job and their future career as a veterinarian

Fico Score: 402

7 Months Ago, Gemma Tried to Find a High Risk Loan for $42,000.00, and it was Easy

It is an ongoing struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Gemma. Gemma chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Individuals with credit scores as low as 415 can inquire for a high risk loan and have a chance to be approved.

Several past requests for credit have been made by Gemma in the past, including one from Valley National Bank in Richmond, Virginia before Gemma was accepted for the $108000 by Coreast Savings Bank, FSB

Gemma made 4 previous attempts to obtain a quick loan, 2 of which were with Valley National Bank, a lender in Richmond, Virginia known to specialize in quick loans specifically. Before finding Coreast Savings Bank, FSB, Gemma was very concerned due to their inexperience and bad credit rating.

Gemma was not approved by Capital One, National Association 7 times before being approved by Coreast Savings Bank, FSB at 808 Moorefield Park Drive

On September 18, 2012, Gemma applied about borrowing $2,000 from Southampton County Bank with Darla, their in law from just outside Richmond, and even with the co-signer, Gemma was rejected for this quick loan. With bad credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Conclusion of Gemma’s quick loan

In the end, Gemma was able to find a quick loan for $108000 with an interest rate of 8.7% interest APR from Coreast Savings Bank, FSB in Richmond, Virginia repayable over 13 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.