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Private Loan With Reasonable APR In James City County, Virginia

$80000 Private Loan – James City County Virginia, Credit Rating Of 841

  • Experian: 860 – They had an excellent Experian score
  • Transunion: 827 – Bernadette had an excellent credit rating with Transunion.
  • Equifax: Bernadette’s Experian score was 841, which is an excellent credit score with the Experian rating scheme.

Previous requests on Bernadette’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$108490.00 6 7.6% $1881.06 Citizens Bank and Trust Company February 11, 2010
$108170.00 10 7.3% $1272.73 Peoples Community Bank October 1, 2011
$108330.00 5 5.3% $2059.24 Crestar Bank April 23, 2012
$108320.00 5 7.5% $2170.51 The Merchants and Farmers Bank July 21, 2013
$108150.00 6 9.4% $1971.0 First Virginia Bank-South Hill March 4, 2014

Bernadette’s Overall FICO score at the time of acceptance for a private loan, taking into account their musical instrument tuner job and their future job as a travel counselor

Fico Score: 841

Paraphrased and Standardized Quote from Bernadette for this private loan of $80000, provided by Old Colony Bank and Trust Company

Hi, I am Bernadette and I am from James City County in Virginia. James City, county is where I grew up, and now I need a private loan in Virginia for $80000 to buy a car. It has been difficult, but Old Colony Bank and Trust Company really came through for me with this loan for 9.0% interest APR and a term of 10 years. I will repay the loan over the 10 year term, including interest. A big thanks to Old Colony Bank and Trust Company for giving me a chance and my excellent credit. It look me 9 years to build my credit to 841, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Contact Details for Old Colony Bank and Trust Company, the provider of this private loan

  • Old Colony Bank and Trust Company
  • City: James City County
  • State: Virginia
  • Address: 1310 Jamestown Road
  • County: James City
  • Zip code: 23185

When Bernadette was 22, they attempted to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a chronology of Bernadette’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on September 5, 2011
  • Attempt 2) Loan for $28,000.00 on October 14, 2010
  • Attempt 3) Loan for $22,000.00 on May 2, 2009
  • Attempt 4) Loan for $20,000.00 on December 16, 2009
  • Attempt 5) Loan for $21,000.00 on November 8, 2011
  • Attempt 6) Loan for $25,000.00 on July 1, 2009

Signature Loan acquired in James City County, Virginia for $80000 with excellent credit by Bernadette

A lot of borrowers struggle with finding signature loans in James City County, Virginia, and Bernadette is the same. Bernadette went to 4 lenders or more prior to settling on Old Colony Bank and Trust Company, who offered Bernadette a signature loan for $80000. Most signature loans simply need a client, like Bernadette’s signature to get them, up to $48,000 in some cases. Bernadette was able to get $80000 as a private loan, which is very high for a private loan. Since signature loans don’t require collateral, they generally require improved credit, as high as 772

Multiple other requests for credit have been made by Bernadette in the past, including one from Regents Savings Bank in James City County, Virginia before Bernadette was accepted for the $80000 by Old Colony Bank and Trust Company

Bernadette made 7 previous attempts to obtain a private loan, 2 of which were with Regents Savings Bank, a lending institution in James City County, Virginia known to specialize in private loans specifically. Before finding Old Colony Bank and Trust Company, Bernadette was desperate due to their inexperience and excellent credit score.

Installment loan for Bernadette, a graduate of Biblical Theological Seminary and a musical instrument tuner working for over $71,000 per year

Bernadette, an alumnus at Biblical Theological Seminary and a musical instrument tuner in James City County, Virginia needs a private loan to purchase a car. Bernadette has instead decided to get an installment loan for $25,000 and is currently seeking lenders like Crestar Bank to provide it.

Fast Loans for Bernadette in James City County, Virginia to prevent bankruptcy or harm from debt collectors.

Fast loans in James City County, Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Bernadette. Bernadette was able to find a fast loan for $80000 from First Virginia Bank – West and First Virginia Bank-South Hill, but turned down both offers in favor of their private loan from Old Colony Bank and Trust Company. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. Much better if a borrower is in a pinch.

Before applying for this private loan, Bernadette had an Experian score of 860, which is excellent, so Old Colony Bank and Trust Company probably cannot provide Bernadette a private loan

Experian Score: 860

Bernadette has a very low current yearly income, but has a high number of prospects

Bernadette has always wanted to be a travel counselor, but would need attend Biblical Theological Seminary again to achieve it. Bernadette has other possibilities as well, including resource teacher, computer customer support specialist, and conservation scientist, which pay $58,000 through to $104,000 per year, at least. For this reason, we think that Bernadette can afford this private loan of $80000.

6 Months Ago, Bernadette Tried to Find a High Risk Loan for $34,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Bernadette. Bernadette chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit clients. Borrowers with credit scores as low as 410 can apply for a high risk loan and possibly can be accepted.

Client Profile: Bernadette Haile of James City County, Virginia
  • Full name (Changed if requested): Bernadette Haile
  • Current Credit: loans.hit.utils.Fico@f2a0b8e
  • Current City: James City County
  • State: Virginia
  • Zip code: 23192
  • Yearly income: $56,000
  • Current Job: musical instrument tuner
  • Current County: James City
  • Goal Yearly Income: $103,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Bernadette’s Transunion score was changed by the private loan loan, changing to 827 from 841, which is normal in our experience.

Transunion Score: 827

Personal Loan for a musical instrument tuner named Bernadette in James City County, Virginia to Pay Off Express Credit Card Elvis Presley Visa Platinum Rewards Card

Bernadette had a tonne of credit card debt on their BrylaneHome Credit Card and their ReDirect Guide Visa, and they were starting to get in over their heads. Despite Bernadette’s job as a musical instrument tuner, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

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

Most debt consolidation loans range from $23,000.00 to $48,000.00. They are mainly used to pay off existing high interest loans like credit cards. Bernadette needed a debt consolidation loan to pay for their existing private loan and their credit card. Bernadette was able to find a private loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.3%.

Bernadette was rejected by Capital One, National Association 6 times before being granted funding by Old Colony Bank and Trust Company at 1310 Jamestown Road

On March 28, 2011, Bernadette applied about borrowing $1,000 from First Virginia Bank – Hampton Roads with Roosevelt, their in law from just outside James City County, and even with the co-signer, Bernadette was rejected for this private loan. With excellent credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Conclusion of Bernadette’s private loan

In the end, Bernadette was able to find a private loan for $80000 with an interest rate of 11.5% interest APR from Old Colony Bank and Trust Company in James City County, Virginia repayable over 10 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.