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Virgil Wanted An Unsecured Loan For $68000, Winnsboro, South Carolina

$68000 Unsecured Loan – Winnsboro South Carolina, Credit Rating Of 601

  • Experian: 618 – They had a good Experian score
  • Transunion: 588 – Virgil had a good credit score with Transunion.
  • Equifax: Virgil’s Experian score was 601, which is a good credit score on the Experian rating scheme.

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

Normal debt consolidation loans range from $21,000.00 to $47,000.00. They are mainly used to pay off existing high interest loans like credit cards. Virgil required a debt consolidation loan to pay for their existing unsecured loan and their credit card. Virgil was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your bad, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.1%.

Signature Loan easily acquired in Winnsboro, South Carolina for $68000 with good credit by Virgil

Many borrowers struggle with finding signature loans in Winnsboro, South Carolina, and Virgil is no different. Virgil went to 7 lending institutions or more before settling on Community Federal Savings Bank, who offered Virgil a signature loan for $68000. Typical signature loans simply need a client, like Virgil’s signature to obtain them, up to $35,000 in some cases. Virgil was able to get $68000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans don’t need a cosigner, these loans tend to require higher credit, as high as 774

Personal Loan for a quality control coordinator named Virgil in Winnsboro, South Carolina to Pay Off Sunoco Rewards Card

Virgil had a tonne of credit card debt on their Menard’s Big Card and their PNC Visa Platinum Credit Card, and they were starting to get in over their heads. Despite Virgil’s job as a quality control coordinator, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Virgil has a sad current yearly income, but has several of prospects

Virgil has always wanted to be a purchasing manager, but would need attend Ashland County – West Holmes Career Center again to become one. Virgil has other prospects as well, including field contractor, student affairs administrator, and residence counselor, which pay $58,000 through to $92,000 per year, on average. For this reason, we think that Virgil can pay for this unsecured loan of $68000.

Previous requests on Virgil’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$69760.00 10 8.6% $868.66 The Peoples Bank December 4, 2009
$70340.00 7 6.7% $1051.33 The Commercial Bank May 20, 2011
$70240.00 7 8.4% $1108.83 The Bank of Hartsville July 29, 2011
$70330.00 10 9.4% $906.21 Farmers and Merchants Bank of South Carolina July 12, 2012
$70300.00 9 10.7% $1016.57 The Security Bank May 19, 2013

Installment loan for Virgil, a graduate of Ashland County – West Holmes Career Center and a quality control coordinator working for over $76,000 per year

Virgil, an alumnus at Ashland County – West Holmes Career Center and a quality control coordinator in Winnsboro, South Carolina wants an unsecured loan to purchase something frivolous. Virgil has instead decided to get an installment loan for $7,000 and is currently seeking lenders like First National Bank of South Carolina to process their request.

When Virgil was 24, they attempted to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a chronology of Virgil’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on May 8, 2009
  • Attempt 2) Loan for $33,000.00 on March 6, 2013
  • Attempt 3) Loan for $21,000.00 on January 8, 2013
  • Attempt 4) Loan for $26,000.00 on December 22, 2010
  • Attempt 5) Loan for $31,000.00 on September 15, 2012
  • Attempt 6) Loan for $27,000.00 on June 22, 2013
  • Attempt 7) Loan for $26,000.00 on August 4, 2010

6 Months Ago, Virgil Attempted Finding a High Risk Loan for $46,000.00, 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 manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Virgil. Virgil decided not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Individuals with credit ratings as low as 302 can apply for a high risk loan and have a chance to be approved.

Before applying for this unsecured loan, Virgil had an Experian score of 618, which is good, so Community Federal Savings Bank likely cannot provide Virgil an unsecured loan

Experian Score: 618

Client Profile: Virgil Desloge of Winnsboro, South Carolina
  • Full name (Changed if requested): Virgil Desloge
  • Current Credit: loans.hit.utils.Fico@6d21714c
  • Current City: Winnsboro
  • State: South Carolina
  • Zip code: 29183
  • Yearly income: $33,000
  • Current Job: quality control coordinator
  • Current County: Fairfield
  • Goal Yearly Income: $128,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Paraphrased and Standardized Quote from Virgil for this unsecured loan of $68000, provided by Community Federal Savings Bank

Hello, I am Virgil and I am from Winnsboro in South Carolina. Fairfield, county is where I grew up, and now I need a unsecured loan in South Carolina for $68000 to renovate my home. It wasn’t easy, but Community Federal Savings Bank really came through for me with this loan for 11.2% interest APR and a term of 7 years. I can repay the loan over the 7 year term, including interest. A big thanks to Community Federal Savings Bank for trusting me and my good credit. It look me 9 years to create my credit to 601, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Virgil was declined by First National Bank of South Carolina 7 times before being accepted by Community Federal Savings Bank at 110 South Congress Street

On January 12, 2009, Virgil inquired about borrowing $24,000 from First Carolina National Bank with Ammie, their friend from just outside Winnsboro, and even with the co-signer, Virgil was rejected for this unsecured loan. With good credit, it can be challenging to procure financing, even with collateral and a co-signer.

Virgil’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their quality control coordinator job and their future career as a purchasing manager

Fico Score: 601

Virgil’s Transunion score was altered by the unsecured loan loan, changing to 588 from 601, which is normal in our experience.

Transunion Score: 588

Multiple other requests for credit have been made by Virgil in the past, including one from First Security Bank of Nevada in Winnsboro, South Carolina before Virgil was approved for the $68000 by Community Federal Savings Bank

Virgil made 7 previous attempts to obtain an unsecured loan, 2 of which were with First Security Bank of Nevada, a lending institution in Winnsboro, South Carolina known to specialize in unsecured loans specifically. Prior to finding Community Federal Savings Bank, Virgil was desperate due to their inexperience and good credit rating.

Fast Loans for Virgil in Winnsboro, South Carolina to prevent bankruptcy or harm from debt collectors.

Fast loans in Winnsboro, South Carolina aren’t actually that difficult to obtain, particularly if you have some gumption like Virgil. Virgil was able to find a fast loan for $68000 from Wachovia Bank of South Carolina, National Association and The Community Bank of South Carolina, but declined both offers in favor of their unsecured loan from Community Federal Savings Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement if a client is on the go.

Contact Details for Community Federal Savings Bank, the provider of this unsecured loan

  • Community Federal Savings Bank
  • City: Winnsboro
  • State: South Carolina
  • Address: 110 South Congress Street
  • County: Fairfield
  • Zip code: 29180

Conclusion of Virgil’s unsecured loan

In the end, Virgil was able to find an unsecured loan for $68000 with an interest rate of 6.5% interest APR from Community Federal Savings Bank in Winnsboro, South Carolina repayable over 7 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.