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3 Year, Fixed Interest Fast Loan For Alfonzo In Ohio

$64000 Fast Loan – Dayton Ohio, Credit Score Of 352

  • Experian: 368 – This individual had a terrible Experian score
  • Transunion: 336 – Alfonzo had a terrible credit rating with Transunion.
  • Equifax: Alfonzo’s Experian score was 352, which is a terrible credit score on the Experian system.

Personal Loan for an equal opportunity representative named Alfonzo in Dayton, Ohio to Pay Off RBC Cathay Pacific Visa Platinum

Alfonzo had a tonne of credit card debt on their Bloomingdale’s Credit Card and their Zions Bank AmaZing Rewards for Business, and they were starting to get in over their heads. Despite Alfonzo’s job as an equal opportunity representative, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Alfonzo’s Overall FICO score at the time of acceptance for a fast loan, taking into account their equal opportunity representative job and their future career as a cook

Fico Score: 352

Alfonzo was rejected by The Vinton Banking Company 5 times prior to being accepted by State Fidelity Federal Savings and Loan Association at 100 West Second Street

On May 3, 2009, Alfonzo applied about borrowing $16,000 from The Citizens Bank with Alonzo, their friend from just outside Dayton, and even with the co-signer, Alfonzo was rejected for this fast loan. With terrible credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Installment loan for Alfonzo, a graduate of University of Phoenix and an equal opportunity representative working for over $79,000 per year

Alfonzo, an alumnus at University of Phoenix and an equal opportunity representative in Dayton, Ohio wants a fast loan to purchase a car. Alfonzo has instead chosen to get an installment loan for $24,000 and is at present seeking lenders like PNC Bank, Ohio, National Association to provide it.

Multiple previous requests for credit have been made by Alfonzo in the past, including one from Bank of New England – Berkshire County, National Association in Dayton, Ohio before Alfonzo was approved for the $64000 by State Fidelity Federal Savings and Loan Association

Alfonzo made 9 previous attempts to obtain a fast loan, 2 of which were with Bank of New England – Berkshire County, National Association, a bank in Dayton, Ohio known to specialize in fast loans specifically. Before finding State Fidelity Federal Savings and Loan Association, Alfonzo was desperate due to their inexperience and terrible credit rating.

Client Profile: Alfonzo Rouch of Dayton, Ohio
  • Full name (Changed if requested): Alfonzo Rouch
  • Current Credit: loans.hit.utils.Fico@2e0fa5d3
  • Current City: Dayton
  • State: Ohio
  • Zip code: 45406
  • Yearly income: $36,000
  • Current Job: equal opportunity representative
  • Current County: Montgomery
  • Goal Yearly Income: $106,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Contact Details for State Fidelity Federal Savings and Loan Association, the provider of this fast loan

  • State Fidelity Federal Savings and Loan Association
  • City: Dayton
  • State: Ohio
  • Address: 100 West Second Street
  • County: Montgomery
  • Zip code: 45402

When Alfonzo was 21, they tried to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a chronology of Alfonzo’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on September 12, 2012
  • Attempt 2) Loan for $29,000.00 on June 27, 2011
  • Attempt 3) Loan for $32,000.00 on May 12, 2010
  • Attempt 4) Loan for $34,000.00 on December 6, 2011
  • Attempt 5) Loan for $28,000.00 on November 3, 2010
  • Attempt 6) Loan for $28,000.00 on May 10, 2011
  • Attempt 7) Loan for $30,000.00 on March 21, 2009

Alfonzo has a very low current total income, but has a large amount of prospects

Alfonzo has always wanted to be a cook, but would have to attend University of Phoenix again to become one. Alfonzo has other possibilities as well, including court administrator, file clerk, and petroleum geologist, which pay $59,000 through to $91,000 per year, on average. For this reason, we think that Alfonzo can pay for this fast loan of $64000.

7 Months Ago, Alfonzo Tried to Find a High Risk Loan for $36,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Alfonzo. Alfonzo chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Individuals with credit scores as low as 584 can inquire for a high risk loan and possibly can be accepted.

Signature Loan acquired in Dayton, Ohio for $64000 with terrible credit by Alfonzo

Many prospective borrowers have difficulty with finding signature loans in Dayton, Ohio, and Alfonzo is not an exception. Alfonzo went to 5 lending institutions or more prior to finding State Fidelity Federal Savings and Loan Association, who offered Alfonzo a signature loan for $64000. Most signature loans simply require a client, like Alfonzo’s signature to obtain them, up to $22,000 in some cases. Alfonzo was able to get $64000 as a fast loan, which is very high for a fast loan. Since signature loans don’t require collateral, these loans generally need better credit, as high as 798

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

Fast loans in Dayton, Ohio aren’t actually that difficult to obtain, especially if you have some gumption like Alfonzo. Alfonzo was able to find a fast loan for $64000 from Minster Bank and The First National Bank of Nelsonville, but declined both offers in favor of their fast loan from State Fidelity Federal Savings and Loan Association. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement in the case that a borrower is in a time sensitive situation.

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

Most debt consolidation loans range from $33,000.00 to $41,000.00. They are normally used to pay off existing high interest loans like credit cards. Alfonzo needed a debt consolidation loan to pay for their existing fast loan and their credit card. Alfonzo was able to find a fast loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.2%.

Previous requests on Alfonzo’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$39400.00 11 5.8% $404.46 The Vinton Banking Company June 26, 2010
$39490.00 11 6.2% $413.43 The Ohio Valley Bank Company September 8, 2013
$39370.00 4 9.2% $983.47 The Citizens Bank March 11, 2015
$39260.00 7 8.1% $613.87 The Peoples Bank March 30, 2015
$38710.00 6 10.4% $724.97 The Freeport State Bank May 18, 2015

Paraphrased and Standardized Quote from Alfonzo for this fast loan of $64000, provided by State Fidelity Federal Savings and Loan Association

Hello, I am Alfonzo and I’m from Dayton in Ohio. Montgomery, county is where I grew up, and now I need a fast loan in Ohio for $64000 to renovate my home. It has been difficult, but State Fidelity Federal Savings and Loan Association really came through for me with this loan for 6.2% interest APR and a term of 3 years. I can probably repay the loan over the 3 year term, including interest. A big thanks to State Fidelity Federal Savings and Loan Association for giving me a chance and my terrible credit. It look me 5 years to build my credit to 352, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Before applying for this fast loan, Alfonzo had an Experian score of 368, which is terrible, so State Fidelity Federal Savings and Loan Association probably cannot provide Alfonzo a fast loan

Experian Score: 368

Alfonzo’s Transunion score was altered by the fast loan loan, changing to 336 from 352, which is typical in our experience.

Transunion Score: 336

Conclusion of Alfonzo’s fast loan

In the end, Alfonzo was able to find a fast loan for $64000 with an interest rate of 7.2% interest APR from State Fidelity Federal Savings and Loan Association in Dayton, Ohio repayable over 3 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.