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6 Year Unsecured Loan For Robby In Newark Ohio

$144000 Unsecured Loan – Newark Ohio, Credit Score Of 720

  • Experian: 736 – They had an excellent Experian rating
  • Transunion: 702 – Robby had an excellent credit score with Transunion.
  • Equifax: Robby’s Experian score was 720, which is an excellent credit rating with the Experian scale.

Before applying for this unsecured loan, Robby had an Experian score of 736, which is excellent, so First Federal Savings and Loan Association most likely cannot provide Robby an unsecured loan

Experian Score: 736

Many past requests for credit have been made by Robby in the past, including one from National Bank of Northampton in Newark, Ohio before Robby was accepted for the $144000 by First Federal Savings and Loan Association

Robby made 7 previous tries to obtain an unsecured loan, 2 of which were with National Bank of Northampton, a lender in Newark, Ohio known to specialize in unsecured loans specifically. Before finding First Federal Savings and Loan Association, Robby was desperate due to their inexperience and excellent credit score.

When Robby was 21, they attempted to obtain a student loan from 5 alternate banks, which damaged their credit rating. Below is a chronology of Robby’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on April 27, 2013
  • Attempt 2) Loan for $35,000.00 on June 19, 2012
  • Attempt 3) Loan for $31,000.00 on February 9, 2010
  • Attempt 4) Loan for $38,000.00 on August 24, 2012
  • Attempt 5) Loan for $38,000.00 on November 23, 2011

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

Robby has always wanted to be a freight and stock handler, but would have to attend Aurora University again to achieve it. Robby has other possibilities as well, including industrial relations analyst, cost accountant, and social service volunteer, which pay $54,000 through to $107,000 per year, on average. For this reason, we think that Robby can afford this unsecured loan of $144000.

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans vary from $28,000.00 to $49,000.00. They are typically used to pay off existing high interest loans like credit cards. Robby required a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Robby was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.2%.

Robby was declined by The Peoples Savings Bank Company 4 times before being accepted by First Federal Savings and Loan Association at 2 North Second St

On April 10, 2009, Robby inquired about borrowing $29,000 from The Provident Bank with Lavina, their in law from just outside Newark, and even with the co-signer, Robby was rejected for this unsecured loan. With excellent credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Installment loan for Robby, a graduate of Aurora University and a hand sewer working for over $70,000 per year

Robby, an alumnus at Aurora University and a hand sewer in Newark, Ohio wants an unsecured loan to purchase a new cell phone. Robby has instead decided to obtain an installment loan for $2,000 and is at present seeking lenders like First National Bank of Middletown to process their request.

Contact Details for First Federal Savings and Loan Association, the provider of this unsecured loan

  • First Federal Savings and Loan Association
  • City: Newark
  • State: Ohio
  • Address: 2 North Second St
  • County: Licking
  • Zip code: 43055

9 Months Ago, Robby Attempted Finding a High Risk Loan for $31,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers 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 scary to borrowers like Robby. Robby chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit individuals. Individuals with credit ratings as low as 492 can inquire for a high risk loan and possibly can be approved.

Signature Loan found in Newark, Ohio for $144000 with excellent credit by Robby

A lot of prospective borrowers struggle with finding signature loans in Newark, Ohio, and Robby is not an exception. Robby went to 6 lenders or more prior to settling on First Federal Savings and Loan Association, who offered Robby a signature loan for $144000. Typical signature loans simply need a client, like Robby’s signature to obtain them, up to $25,000 in some cases. Robby was able to get $144000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t need collateral, these loans tend to require higher credit, as high as 735

Paraphrased and Standardized Quote from Robby for this unsecured loan of $144000, provided by First Federal Savings and Loan Association

Hi, I am Robby and my hometown is Newark in Ohio. Licking, county is where I grew up, and now I need a unsecured loan in Ohio for $144000 to buy a car. It has been difficult, but First Federal Savings and Loan Association really came through for me with this loan for 8.1% interest APR and a term of 24 years. I can probably repay the loan over the 24 year term, including interest. A big thanks to First Federal Savings and Loan Association for trusting me and my excellent credit. It look me 7 years to create my credit to 720, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Robby’s Transunion score was altered by the unsecured loan loan, changing to 702 from 720, which is normal in our experience.

Transunion Score: 702

Client Profile: Robby Sonnenberg of Newark, Ohio
  • Full name (Changed if requested): Robby Sonnenberg
  • Current Credit: loans.hit.utils.Fico@30dae81
  • Current City: Newark
  • State: Ohio
  • Zip code: 43062
  • Yearly income: $39,000
  • Current Job: hand sewer
  • Current County: Licking
  • Goal Yearly Income: $95,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Personal Loan for a hand sewer named Robby in Newark, Ohio to Pay Off Spirit Airlines World MasterCard Credit Card

Robby had a tonne of credit card debt on their Fifth Third Preferred Card and their Astoria Bank Business Edition Visa Card with Absolute Rewards, and they were starting to get in over their heads. Despite Robby’s job as a hand sewer, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Robby’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their hand sewer job and their future career as a freight and stock handler

Fico Score: 720

Previous requests on Robby’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$92520.00 3 5.5% $2793.72 The Vinton Banking Company December 13, 2008
$93480.00 9 11.6% $1398.42 The Ohio Valley Bank Company August 10, 2009
$92610.00 7 8.8% $1480.63 The Citizens Bank April 24, 2011
$93440.00 11 6.5% $992.68 The Peoples Bank March 13, 2012

Fast Loans for Robby in Newark, Ohio to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Newark, Ohio aren’t actually that difficult to obtain, especially if you have some gumption like Robby. Robby was able to find a fast loan for $144000 from The Commercial Bank and The Peoples Bank, but declined both offers in favor of their unsecured loan from First Federal Savings and Loan Association. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference if a client is in a pinch.

Conclusion of Robby’s unsecured loan

In the end, Robby was able to find an unsecured loan for $144000 with an interest rate of 6.2% interest APR from First Federal Savings and Loan Association in Newark, Ohio repayable over 24 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.