$28000 Direct Loan – Cincinnati Ohio, Credit Rating Of 849
- Experian: 866 – The client had an excellent Experian score
- Transunion: 834 – Darcy had an excellent credit score with Transunion.
- Equifax: Darcy’s Experian score was 849, which is an excellent credit score with the Experian scale.
Darcy was not approved by JPMorgan Chase Bank, National Association 7 times before being approved by Eagle Savings Bank at 6415 Bridgetown Road
On May 28, 2013, Darcy inquired about borrowing $49,000 from The Home Banking Company with Kelsey, their friend from just outside Cincinnati, and even with the co-signer, Darcy was rejected for this direct loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.
Many past requests for credit have been made by Darcy in the past, including one from Flagship National Bank of Indian River County in Cincinnati, Ohio before Darcy was accepted for the $28000 by Eagle Savings Bank
Darcy made 5 previous attempts to obtain a direct loan, 2 of which were with Flagship National Bank of Indian River County, a lender in Cincinnati, Ohio known to specialize in direct loans specifically. Prior to finding Eagle Savings Bank, Darcy was desperate due to their inexperience and excellent credit rating.
Before applying for this direct loan, Darcy had an Experian score of 866, which is excellent, so Eagle Savings Bank probably cannot provide Darcy a direct loan
8 Months in the Past, Darcy Tried to Find a High Risk Loan for $22,000.00, and it was Easy
There is an well known struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Darcy. Darcy chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Individuals with credit scores as low as 423 can apply for a high risk loan and may be be approved.
Darcy has a very low current gross income, but has a high number of prospects
Darcy has always wanted to be a food technologist, but would have to attend Kennesaw State University again to achieve it. Darcy has other prospects as well, including appeals referee, meter mechanic, and civil engineering technician, which pay $55,000 through to $95,000 per year, on average. Because of this, we think that Darcy can afford this direct loan of $28000.
Personal Loan for a computer software technician named Darcy in Cincinnati, Ohio to Pay Off Walmart Credit Card
Darcy had a lot of credit card debt on their MetroPCS Prepaid Visa Card and their MINI Platinum Visa Credit Card, and they were starting to get in over their heads. Despite Darcy’s job as a computer software technician, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Signature Loan found in Cincinnati, Ohio for $28000 with excellent credit by Darcy
A lot of prospective borrowers struggle with obtaining signature loans in Cincinnati, Ohio, and Darcy is no exception. Darcy went to 7 lenders or more prior to settling on Eagle Savings Bank, who offered Darcy a signature loan for $28000. Most signature loans simply need a client, like Darcy’s signature to get them, up to $38,000 in some cases. Darcy was able to get $28000 as a direct loan, which is very high for a direct loan. Because signature loans don’t require a cosigner, they generally require better credit, as high as 755
Contact Details for Eagle Savings Bank, the provider of this direct loan
- Eagle Savings Bank
- City: Cincinnati
- State: Ohio
- Address: 6415 Bridgetown Road
- County: Hamilton
- Zip code: 45248
Previous requests on Darcy’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$13380.00||5||9.8%||$282.97||The Vinton Banking Company||March 24, 2010|
|$12680.00||10||7.2%||$148.54||The Ohio Valley Bank Company||October 23, 2010|
|$13190.00||4||7.5%||$318.92||The Citizens Bank||November 9, 2010|
|$12740.00||11||5.1%||$126.31||The Peoples Bank||August 15, 2012|
Installment loan for Darcy, a graduate of Kennesaw State University and a computer software technician working for over $66,000 per year
Darcy, an alumnus at Kennesaw State University and a computer software technician in Cincinnati, Ohio wants a direct loan to purchase a house. Darcy has instead decided to obtain an installment loan for $9,000 and is currently seeking lenders like The Liberty State Bank to process their request.
When Darcy was 23, they tried to obtain a student loan from 6 alternate banks, which damaged their credit score. Below is a list of Darcy’s prior attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on March 4, 2009
- Attempt 2) Loan for $37,000.00 on October 30, 2011
- Attempt 3) Loan for $25,000.00 on April 1, 2012
- Attempt 4) Loan for $20,000.00 on June 5, 2009
- Attempt 5) Loan for $27,000.00 on January 19, 2009
- Attempt 6) Loan for $25,000.00 on June 2, 2011
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans vary from $29,000.00 to $47,000.00. They are typically used to pay off existing high interest loans like credit cards. Darcy needed a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Darcy was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.7%.
Darcy’s Transunion score was changed by the direct loan loan, changing to 834 from 849, which is typical in our experience.
Fast Loans for Darcy in Cincinnati, Ohio to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Cincinnati, Ohio aren’t actually that difficult to obtain, especially if you have some gumption like Darcy. Darcy was able to find a fast loan for $28000 from The Commercial and Savings Bank Company and The Peoples Savings Bank Company, but declined both offers in favor of their direct loan from Eagle Savings Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. An improvement if a client is in a pinch.
Paraphrased and Standardized Quote from Darcy for this direct loan of $28000, provided by Eagle Savings Bank
Hello, I am Darcy and I’m from Cincinnati in Ohio. Hamilton, county is where I grew up, and now I need a direct loan in Ohio for $28000 to buy a car. It has been difficult, but Eagle Savings Bank really came through for me with this loan for 6.7% interest APR and a term of 10 years. I can probably repay the loan over the 10 year term, including interest. A big thanks to Eagle Savings Bank for trusting me and my excellent credit. It look me 4 years to build my credit to 849, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.
- Full name (Changed if requested): Darcy Saporita
- Current Credit: loans.hit.utils.Fico@1376c05c
- Current City: Cincinnati
- State: Ohio
- Zip code: 45249
- Yearly income: $31,000
- Current Job: computer software technician
- Current County: Hamilton
- Goal Yearly Income: $149,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000
Darcy’s Overall FICO score at the time of acceptance for a direct loan, taking into account their computer software technician job and their future career as a food technologist
Conclusion of Darcy’s direct loan
In the end, Darcy was able to find a direct loan for $28000 with an interest rate of 10.7% interest APR from Eagle Savings Bank in Cincinnati, Ohio repayable over 10 years from now.