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Private Loan With Low APR In Preston County, West Virginia

$164000 Private Loan – Rowlesburg West Virginia, Credit Score Of 442

  • Experian: 459 – This individual had a bad Experian score
  • Transunion: 426 – Nichelle had a bad credit score with Transunion.
  • Equifax: Nichelle’s Experian score was 442, which is a bad credit rating on the Experian system.

8 Months in the Past, Nichelle Attempted to Find a High Risk Loan for $25,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for borrowers to find 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 physically harmful to borrowers like Nichelle. Nichelle chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Borrowers with credit ratings as low as 395 can inquire for a high risk loan and have a chance to be accepted.

Installment loan for Nichelle, a graduate of University of Houston and a construction driller working for over $66,000 per year

Nichelle, an alumnus at University of Houston and a construction driller in Rowlesburg, West Virginia needs a private loan to purchase something frivolous. Nichelle has instead decided to obtain an installment loan for $6,000 and is currently seeking lenders like Greenbrier Valley Bank to process their request.

Client Profile: Nichelle Schumaker of Rowlesburg, West Virginia
  • Full name (Changed if requested): Nichelle Schumaker
  • Current Credit: loans.hit.utils.Fico@3fa77460
  • Current City: Rowlesburg
  • State: West Virginia
  • Zip code: 26429
  • Yearly income: $63,000
  • Current Job: construction driller
  • Current County: Preston
  • Goal Yearly Income: $100,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Nichelle was rejected by The Tucker County Bank 5 times before being accepted by The Peoples National Bank of Rowlesburg at Main Street

On October 23, 2013, Nichelle inquired about borrowing $1,000 from The Commercial Bank of Bluefield with Alda, their in law from just outside Rowlesburg, and even with the co-signer, Nichelle was rejected for this private loan. With bad credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Previous requests on Nichelle’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$14220.00 8 11.6% $228.0 Wesbanco Bank Sistersville October 28, 2011
$14240.00 11 6.2% $149.08 Wesbanco Bank, Inc. April 13, 2013
$13800.00 7 6.7% $206.26 Peoples State Bank, National Association August 25, 2014
$14140.00 7 10.8% $240.63 Kanawha Banking & Trust Company National Association August 26, 2014
$14400.00 5 10.5% $309.51 One Valley Bank, National Association November 12, 2014

Before applying for this private loan, Nichelle had an Experian score of 459, which is bad, so The Peoples National Bank of Rowlesburg most likely cannot provide Nichelle a private loan

Experian Score: 459

When Nichelle was 18, they attempted to obtain a student loan from 6 different banks, which harmed their credit score. Below is a list of Nichelle’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on December 26, 2010
  • Attempt 2) Loan for $28,000.00 on April 23, 2012
  • Attempt 3) Loan for $23,000.00 on December 11, 2010
  • Attempt 4) Loan for $38,000.00 on December 13, 2013
  • Attempt 5) Loan for $38,000.00 on December 17, 2009
  • Attempt 6) Loan for $30,000.00 on July 8, 2009

Fast Loans for Nichelle in Rowlesburg, West Virginia to prevent bankruptcy or harm from debt collectors.

Fast loans in Rowlesburg, West Virginia aren’t actually that difficult to obtain, especially if you have some gumption like Nichelle. Nichelle was able to find a fast loan for $164000 from The Tucker County Bank and West Union Bank, but declined both offers in favor of their private loan from The Peoples National Bank of Rowlesburg. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big improvement in the case that you are in a time sensitive situation.

Signature Loan easily acquired in Rowlesburg, West Virginia for $164000 with bad credit by Nichelle

A lot of borrowers have difficulty with finding signature loans in Rowlesburg, West Virginia, and Nichelle is no exception. Nichelle went to 7 lenders or more before settling on The Peoples National Bank of Rowlesburg, who offered Nichelle a signature loan for $164000. Most signature loans simply require a client, like Nichelle’s signature to obtain them, up to $49,000 in some cases. Nichelle was able to get $164000 as a private loan, which is very high for a private loan. Since signature loans don’t need a cosigner, they tend to require higher credit, as high as 745

Nichelle has a very low current gross income, but has a large amount of prospects

Nichelle has always wanted to be a probation officer, but would have to attend University of Houston again to become one. Nichelle has other prospects as well, including educational psychologist, tax collector, and occupational analyst, which pay $55,000 through to $94,000 per year, on average. Because of this, we think that Nichelle can afford this private loan of $164000.

Paraphrased and Standardized Quote from Nichelle for this private loan of $164000, provided by The Peoples National Bank of Rowlesburg

Hello, I am Nichelle and I’m from Rowlesburg in West Virginia. Preston, county is where I grew up, and now I need a private loan in West Virginia for $164000 to buy a big ticket item. It wasn’t easy, but The Peoples National Bank of Rowlesburg really came through for me with this loan for 11.6% interest APR and a term of 13 years. I will repay the loan over the 13 year term, including interest. A big thanks to The Peoples National Bank of Rowlesburg for giving me a chance and my bad credit. It look me 6 years to create my credit to 442, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.

Personal Loan for a construction driller named Nichelle in Rowlesburg, West Virginia to Pay Off RBC Visa Cash Back Card

Nichelle had a tonne of credit card debt on their Pottery Barn Credit Card and their Conestoga Bank College Rewards Visa Card, and they were starting to get in over their heads. Despite Nichelle’s job as a construction driller, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Nichelle’s Overall FICO score at the time of acceptance for a private loan, taking into account their construction driller job and their future career as a probation officer

Fico Score: 442

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $30,000.00 to $47,000.00. They are typically used to pay off existing high interest loans like credit cards. Nichelle required a debt consolidation loan to pay for their existing private loan and their credit card. Nichelle was able to find a private loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your dirty, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.6%.

Contact Details for The Peoples National Bank of Rowlesburg, the provider of this private loan

  • The Peoples National Bank of Rowlesburg
  • City: Rowlesburg
  • State: West Virginia
  • Address: Main Street
  • County: Preston
  • Zip code: 26425

Many past requests for credit have been made by Nichelle in the past, including one from Premier Bank of the South in Rowlesburg, West Virginia before Nichelle was approved for the $164000 by The Peoples National Bank of Rowlesburg

Nichelle made 6 previous tries to obtain a private loan, 2 of which were with Premier Bank of the South, a bank in Rowlesburg, West Virginia known to specialize in private loans specifically. Prior to finding The Peoples National Bank of Rowlesburg, Nichelle was concerned due to their inexperience and bad credit score.

Nichelle’s Transunion score was changed by the private loan loan, changing to 426 from 442, which is normal in our experience.

Transunion Score: 426

Conclusion of Nichelle’s private loan

In the end, Nichelle was able to find a private loan for $164000 with an interest rate of 10.3% interest APR from The Peoples National Bank of Rowlesburg in Rowlesburg, West Virginia repayable over 13 years from today.

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.