$78000 Signature Loan – Pelham Alabama, Credit Score Of 797
- Experian: 813 – The client had an excellent Experian score
- Transunion: 782 – Joette had an excellent credit score with Transunion.
- Equifax: Joette’s Experian score was 797, which is an excellent credit score on the Experian scale.
- Full name (Changed if requested): Joette Luers
- Current Credit: loans.hit.utils.Fico@1ed6993a
- Current City: Pelham
- State: Alabama
- Zip code: 35126
- Yearly income: $65,000
- Current Job: parking enforcement officer
- Current County: Shelby
- Goal Yearly Income: $127,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Joette has a disappointing current yearly income, but has a large amount of prospects
Joette has always wanted to be an engineering professor, but would need attend Missouri University of Science and Technology again to become one. Joette has other prospects as well, including office clerk, billing specialist, and craft artist, which pay $59,000 through to $90,000 per year, at least. For this reason, we believe that Joette can pay for this signature loan of $78000.
Contact Details for First American Bank of Pelham, the provider of this signature loan
- First American Bank of Pelham
- City: Pelham
- State: Alabama
- Address: Us Highway 31 And County Highway 105
- County: Shelby
- Zip code: 35124
Before applying for this signature loan, Joette had an Experian score of 813, which is excellent, so First American Bank of Pelham probably cannot provide Joette a signature loan
When Joette was 19, they attempted to obtain a student loan from 4 alternate lenders, which damaged their credit rating. Below is a chronology of Joette’s prior attempts at finding a student loan:
- Attempt 1) Loan for $35,000.00 on August 16, 2009
- Attempt 2) Loan for $35,000.00 on August 19, 2010
- Attempt 3) Loan for $39,000.00 on December 5, 2008
- Attempt 4) Loan for $38,000.00 on March 8, 2011
Previous requests on Joette’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$138240.00||10||8.6%||$1721.38||AuburnBank||December 18, 2009|
|$137750.00||4||6.4%||$3260.39||Bank of the South||April 17, 2014|
|$137780.00||4||6.7%||$3280.17||Alabama City Bank of Gadsden, Alabama||March 12, 2015|
|$137750.00||3||7.2%||$4265.93||The Exchange Bank, Attalla, Alabama||June 10, 2015|
|$138380.00||8||11.2%||$2188.69||Robertson Banking Company||September 12, 2015|
Paraphrased and Standardized Quote from Joette for this signature loan of $78000, provided by First American Bank of Pelham
Hello, I am Joette and I am from Pelham in Alabama. Shelby, county is where I grew up, and now I need a signature loan in Alabama for $78000 to buy a car. It has been difficult, but First American Bank of Pelham really came through for me with this loan for 6.7% interest APR and a term of 13 years. I can repay the loan over the 13 year term, including interest. A big thanks to First American Bank of Pelham for giving me a chance and my excellent credit. It look me 4 years to create my credit to 797, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.
Joette was declined by First Alabama Bank of Covington County 5 times before being approved by First American Bank of Pelham at Us Highway 31 And County Highway 105
On September 11, 2009, Joette inquired about borrowing $8,000 from The Exchange Bank, Attalla, Alabama with Leslee, their in law from just outside Pelham, and even with the co-signer, Joette was rejected for this signature loan. With excellent credit, it can be very hard to procure financing, even with collateral and a co-signer.
Several other requests for credit have been made by Joette in the past, including one from American Guaranty Bank in Pelham, Alabama before Joette was approved for the $78000 by First American Bank of Pelham
Joette made 6 previous attempts to obtain a signature loan, 2 of which were with American Guaranty Bank, a bank in Pelham, Alabama known to specialize in signature loans specifically. Prior to finding First American Bank of Pelham, Joette was concerned due to their inexperience and excellent credit rating.
Fast Loans for Joette in Pelham, Alabama to prevent bankruptcy or harm from debt collectors.
Fast loans in Pelham, Alabama aren’t actually that difficult to obtain, especially if you have some finesse like Joette. Joette was able to find a fast loan for $78000 from The Exchange Bank of Alabama and AuburnBank, but turned down both offers in favor of their signature loan from First American Bank of Pelham. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. Much better if a client is in a time sensitive situation.
8 Months Ago, Joette Attempted to Find a High Risk Loan for $23,000.00, but They Didn’t Find What They were Expecting
There is an existing struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Joette. Joette chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Clients with credit ratings as low as 306 can inquire for a high risk loan and may be be approved.
Installment loan for Joette, a graduate of Missouri University of Science and Technology and a parking enforcement officer working for over $78,000 per year
Joette, an alumnus at Missouri University of Science and Technology and a parking enforcement officer in Pelham, Alabama wants a signature loan to purchase a house. Joette has instead decided to obtain an installment loan for $27,000 and is currently seeking lenders like East Gadsden Bank to provide it.
Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans range from $31,000.00 to $43,000.00. They are typically used to pay off existing high interest loans like credit cards. Joette required a debt consolidation loan to pay for their existing signature loan and their credit card. Joette was able to find a signature loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your bad, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 4.2%.
Signature Loan easily acquired in Pelham, Alabama for $78000 with excellent credit by Joette
Many clients struggle with finding signature loans in Pelham, Alabama, and Joette is no exception. Joette went to 7 lending institutions or more before finding First American Bank of Pelham, who offered Joette a signature loan for $78000. Most signature loans simply need a client, like Joette’s signature to obtain them, up to $37,000 in some cases. Joette was able to get $78000 as a signature loan, which is very high for a signature loan. Because signature loans do not require a cosigner, these loans tend to require improved credit, as high as 770
Personal Loan for a parking enforcement officer named Joette in Pelham, Alabama to Pay Off Key Bank College Rewards MasterCard
Joette had a lot of credit card debt on their Umpqua Bank Visa Signature Rewards and their Citi Chairman American Express Card, and they were starting to get in over their heads. Despite Joette’s job as a parking enforcement officer, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Joette’s Transunion score was changed by the signature loan loan, changing to 782 from 797, which is typical in our experience.
Joette’s Overall FICO score at the time of acceptance for a signature loan, taking into account their parking enforcement officer job and their future job as an engineering professor
Conclusion of Joette’s signature loan
In the end, Joette was able to find a signature loan for $78000 with an interest rate of 5.2% interest APR from First American Bank of Pelham in Pelham, Alabama repayable over 13 years from now.