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Lizzie Needed A Direct Loan For $68000, Charleston, West Virginia

$68000 Direct Loan – Charleston West Virginia, Credit Rating Of 386

  • Experian: 398 – This individual had a terrible Experian score
  • Transunion: 367 – Lizzie had a terrible credit score with Transunion.
  • Equifax: Lizzie’s Experian score was 386, which is a terrible credit score with the Experian rating scheme.

Lizzie has a sad current gross income, but has a large amount of prospects

Lizzie has always wanted to be a social work professor, but would have to attend South Plains College again to become one. Lizzie has other possibilities as well, including prosthetic technician, petroleum technician, and automobile mechanic, which pay $57,000 through to $100,000 per year, at least. Because of this, we think that Lizzie can pay for this direct loan of $68000.

Client Profile: Lizzie Moomey of Charleston, West Virginia
  • Full name (Changed if requested): Lizzie Moomey
  • Current Credit: loans.hit.utils.Fico@6f539caf
  • Current City: Charleston
  • State: West Virginia
  • Zip code: 25321
  • Yearly income: $53,000
  • Current Job: farm labor contractor
  • Current County: Kanawha
  • Goal Yearly Income: $140,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Paraphrased and Standardized Quote from Lizzie for this direct loan of $68000, provided by Wesbanco Bank Charleston

Hi, I am Lizzie and I am from Charleston in West Virginia. Kanawha, county is where I grew up, and now I need a direct loan in West Virginia for $68000 to pay bills. It wasn’t easy, but Wesbanco Bank Charleston really came through for me with this loan for 8.5% 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 Wesbanco Bank Charleston for giving me a chance and my terrible credit. It look me 7 years to build my credit to 386, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Installment loan for Lizzie, a graduate of South Plains College and a farm labor contractor working for over $78,000 per year

Lizzie, an alumnus at South Plains College and a farm labor contractor in Charleston, West Virginia wants a direct loan to purchase a new cell phone. Lizzie has instead decided to get an installment loan for $1,000 and is currently seeking lenders like Citizens National Bank of Follansbee to process their request.

Lizzie was not approved by Community Bank & Trust of Ritchie County, Inc. 4 times before being approved by Wesbanco Bank Charleston at 852 Oakwood Road

On November 15, 2011, Lizzie inquired about borrowing $17,000 from West Union Bank with Rosamond, their in law from just outside Charleston, and even with the co-signer, Lizzie was rejected for this direct loan. With terrible credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $23,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Lizzie required a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Lizzie was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.2%.

Previous requests on Lizzie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$102590.00 6 9.5% $1874.8 Wesbanco Bank Sistersville April 3, 2013
$103220.00 5 5.8% $1985.95 Wesbanco Bank, Inc. May 10, 2013
$103370.00 7 11.2% $1780.84 Peoples State Bank, National Association June 24, 2014
$103270.00 5 5.7% $1982.12 Kanawha Banking & Trust Company National Association April 24, 2015
$103350.00 7 9.3% $1678.58 One Valley Bank, National Association July 31, 2015

Lizzie’s Transunion score was changed by the direct loan loan, changing to 367 from 386, which is typical in our experience.

Transunion Score: 367

When Lizzie was 20, they tried to obtain a student loan from 4 alternate lenders, which damaged their credit score. Below is a list of Lizzie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on October 31, 2008
  • Attempt 2) Loan for $27,000.00 on April 8, 2013
  • Attempt 3) Loan for $21,000.00 on November 21, 2008
  • Attempt 4) Loan for $33,000.00 on May 24, 2013

Fast Loans for Lizzie in Charleston, West Virginia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Charleston, West Virginia aren’t actually that difficult to obtain, especially if you have some finesse like Lizzie. Lizzie was able to find a fast loan for $68000 from Citizens National Bank of Follansbee and Community Bank & Trust of Ritchie County, Inc., but declined both offers in favor of their direct loan from Wesbanco Bank Charleston. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement in the case that you are in a pinch.

Before applying for this direct loan, Lizzie had an Experian score of 398, which is terrible, so Wesbanco Bank Charleston probably cannot provide Lizzie a direct loan

Experian Score: 398

8 Months Ago, Lizzie Attempted to Find a High Risk Loan for $35,000.00, and it was Hard

There is an well known struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Lizzie. Lizzie chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Borrowers with credit scores as low as 323 can inquire for a high risk loan and possibly can be approved.

Personal Loan for a farm labor contractor named Lizzie in Charleston, West Virginia to Pay Off Amalgamated Bank MasterCard Standard Plus

Lizzie had a tonne of credit card debt on their Saratoga’s Community FCU Visa Platinum Card and their American Photo Visa Card, and they were starting to get in over their heads. Despite Lizzie’s job as a farm labor contractor, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Lizzie’s Overall FICO score at the time of acceptance for a direct loan, taking into account their farm labor contractor job and their future job as a social work professor

Fico Score: 386

Contact Details for Wesbanco Bank Charleston, the provider of this direct loan

  • Wesbanco Bank Charleston
  • City: Charleston
  • State: West Virginia
  • Address: 852 Oakwood Road
  • County: Kanawha
  • Zip code: 25314

Signature Loan found in Charleston, West Virginia for $68000 with terrible credit by Lizzie

Most prospective borrowers have difficulty with obtaining signature loans in Charleston, West Virginia, and Lizzie is no exception. Lizzie went to 5 lending institutions or more prior to settling on Wesbanco Bank Charleston, who offered Lizzie a signature loan for $68000. Typical signature loans simply need a client, like Lizzie’s signature to get them, up to $26,000 in some cases. Lizzie was able to get $68000 as a direct loan, which is very high for a direct loan. Because signature loans don’t require collateral, they tend to need better credit, as high as 744

Several previous requests for credit have been made by Lizzie in the past, including one from Manufacturers Hanover Trust Company/Suffolk, National Association in Charleston, West Virginia before Lizzie was approved for the $68000 by Wesbanco Bank Charleston

Lizzie made 5 previous tries to obtain a direct loan, 2 of which were with Manufacturers Hanover Trust Company/Suffolk, National Association, a bank in Charleston, West Virginia known to specialize in direct loans specifically. Before finding Wesbanco Bank Charleston, Lizzie was concerned due to their inexperience and terrible credit rating.

Conclusion of Lizzie’s direct loan

In the end, Lizzie was able to find a direct loan for $68000 with an interest rate of 8.6% interest APR from Wesbanco Bank Charleston in Charleston, West 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.