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Winter Gange’s Direct Loan For 52000 Dollars In St. Marys West Virginia

$52000 Direct Loan – St. Marys West Virginia, Credit Rating Of 814

  • Experian: 824 – This client had an excellent Experian score
  • Transunion: 796 – Winter had an excellent credit rating with Transunion.
  • Equifax: Winter’s Experian score was 814, which is an excellent credit rating with the Experian system.

Winter was declined by Bank of Mount Hope 7 times prior to being approved by The First National Bank of St. Marys at 401 Second Street

On February 6, 2011, Winter inquired about borrowing $6,000 from Clear Mountain Bank with Janean, their friend from just outside St. Marys, and even with the co-signer, Winter was rejected for this direct loan. With excellent credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Winter for this direct loan of $52000, provided by The First National Bank of St. Marys

Hi, I am Winter and I am from St. Marys in West Virginia. Pleasants, county is where I grew up, and now I need a direct loan in West Virginia for $52000 to buy a big ticket item. It has been difficult, but The First National Bank of St. Marys really came through for me with this loan for 5.4% interest APR and a term of 14 years. I will repay the loan over the 14 year term, including interest. A big thanks to The First National Bank of St. Marys for giving me a chance and my excellent credit. It look me 5 years to build my credit to 814, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Winter’s Overall FICO score at the time of acceptance for a direct loan, taking into account their industrial therapist job and their future job as a medical and scientific illustrator

Fico Score: 814

7 Months Ago, Winter Attempted to Find a High Risk Loan for $30,000.00, and it was Easy

There is an ongoing struggle for clients to get high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Winter. Winter chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Individuals with credit scores as low as 491 can apply for a high risk loan and possibly can be approved.

Signature Loan found in St. Marys, West Virginia for $52000 with excellent credit by Winter

Most borrowers struggle with obtaining signature loans in St. Marys, West Virginia, and Winter is no different. Winter went to 5 lenders or more prior to settling on The First National Bank of St. Marys, who offered Winter a signature loan for $52000. Most signature loans simply need a client, like Winter’s signature to obtain them, up to $37,000 in some cases. Winter was able to get $52000 as a direct loan, which is very high for a direct loan. Since signature loans don’t need collateral, they generally require improved credit, as high as 782

Before applying for this direct loan, Winter had an Experian score of 824, which is excellent, so The First National Bank of St. Marys most likely cannot provide Winter a direct loan

Experian Score: 824

Winter’s Transunion score was changed by the direct loan loan, changing to 796 from 814, which is typical in our experience.

Transunion Score: 796

Several other requests for credit have been made by Winter in the past, including one from Sun Bank and Trust/Charlotte County, National Association in St. Marys, West Virginia before Winter was approved for the $52000 by The First National Bank of St. Marys

Winter made 9 prior attempts to obtain a direct loan, 2 of which were with Sun Bank and Trust/Charlotte County, National Association, a bank in St. Marys, West Virginia known to specialize in direct loans specifically. Before finding The First National Bank of St. Marys, Winter was desperate due to their inexperience and excellent credit rating.

Fast Loans for Winter in St. Marys, West Virginia to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in St. Marys, West Virginia aren’t actually that difficult to obtain, particularly if you have some finesse like Winter. Winter was able to find a fast loan for $52000 from Bank of Raleigh and Huntington Bank Martinsburg National Association, but declined both offers in favor of their direct loan from The First National Bank of St. Marys. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement if a client is in a time sensitive situation.

Previous requests on Winter’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$124590.00 5 6.2% $2420.28 Wesbanco Bank Sistersville February 28, 2012
$125130.00 10 11.8% $1780.81 Wesbanco Bank, Inc. August 3, 2012
$124800.00 9 6.3% $1516.9 Peoples State Bank, National Association September 24, 2013
$125150.00 11 7.2% $1375.3 Kanawha Banking & Trust Company National Association February 3, 2014

Personal Loan for an industrial therapist named Winter in St. Marys, West Virginia to Pay Off Riverview Community Bank Visa Platinum Card

Winter had a lot of credit card debt on their American Eagle Outfitters and their Associated Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Winter’s job as an industrial therapist, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

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

Normal debt consolidation loans vary from $31,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Winter needed a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Winter was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.4%.

Winter has a disappointing current total income, but has a large amount of prospects

Winter has always wanted to be a medical and scientific illustrator, but would need attend Cloud County Community College again to become one. Winter has other possibilities as well, including cook, nuclear fuels research engineer, and cartoonist, which pay $53,000 through to $92,000 per year, at least. For this reason, we believe that Winter can afford this direct loan of $52000.

Client Profile: Winter Gange of St. Marys, West Virginia
  • Full name (Changed if requested): Winter Gange
  • Current Credit: loans.hit.utils.Fico@73035e27
  • Current City: St. Marys
  • State: West Virginia
  • Zip code: 26174
  • Yearly income: $62,000
  • Current Job: industrial therapist
  • Current County: Pleasants
  • Goal Yearly Income: $129,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

When Winter was 22, they tried to obtain a student loan from 7 different lenders, which damaged their credit score. Below is a list of Winter’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on January 20, 2011
  • Attempt 2) Loan for $32,000.00 on February 13, 2012
  • Attempt 3) Loan for $22,000.00 on June 11, 2011
  • Attempt 4) Loan for $29,000.00 on February 4, 2013
  • Attempt 5) Loan for $30,000.00 on March 13, 2009
  • Attempt 6) Loan for $31,000.00 on November 22, 2009
  • Attempt 7) Loan for $29,000.00 on October 7, 2010

Installment loan for Winter, a graduate of Cloud County Community College and an industrial therapist working for over $61,000 per year

Winter, an alumnus at Cloud County Community College and an industrial therapist in St. Marys, West Virginia wants a direct loan to purchase a new cell phone. Winter has instead chosen to get an installment loan for $5,000 and is currently seeking lenders like West Union Bank to process their request.

Contact Details for The First National Bank of St. Marys, the provider of this direct loan

  • The First National Bank of St. Marys
  • City: St. Marys
  • State: West Virginia
  • Address: 401 Second Street
  • County: Pleasants
  • Zip code: 26170

Conclusion of Winter’s direct loan

In the end, Winter was able to find a direct loan for $52000 with an interest rate of 6.1% interest APR from The First National Bank of St. Marys in St. Marys, West Virginia repayable over 14 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.