$136000 Direct Loan – Oxon Hill Maryland, Credit Rating Of 568
- Experian: 578 – This client had a fair Experian rating
- Transunion: 552 – Izola had a fair credit score with Transunion.
- Equifax: Izola’s Experian score was 568, which is a fair credit score on the Experian scale.
Signature Loan acquired in Oxon Hill, Maryland for $136000 with fair credit by Izola
Most clients have difficulty with obtaining signature loans in Oxon Hill, Maryland, and Izola is the same. Izola went to 6 lenders or more before finding Enterprise Federal Savings Bank, who offered Izola a signature loan for $136000. Typical signature loans simply need a client, like Izola’s signature to obtain them, up to $26,000 in some cases. Izola was able to get $136000 as a direct loan, which is very high for a direct loan. Because signature loans don’t need a cosigner, these loans generally require higher credit, as high as 787
Fast Loans for Izola in Oxon Hill, Maryland to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Oxon Hill, Maryland aren’t actually that difficult to obtain, particularly if you have some finesse like Izola. Izola was able to find a fast loan for $136000 from Farmers and Merchants Bank and The First National Bank of St. Mary’s at Leonardtown, but turned down both offers in favor of their direct loan from Enterprise Federal Savings Bank. 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 6 weeks for installment loans. An improvement in the case that a client is on the go.
When Izola was 21, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a chronology of Izola’s previous attempts at finding a student loan:
- Attempt 1) Loan for $38,000.00 on August 11, 2012
- Attempt 2) Loan for $35,000.00 on June 1, 2013
- Attempt 3) Loan for $33,000.00 on November 22, 2012
- Attempt 4) Loan for $27,000.00 on October 24, 2011
Paraphrased and Standardized Quote from Izola for this direct loan of $136000, provided by Enterprise Federal Savings Bank
Hello, I am Izola and I am from Oxon Hill in Maryland. Prince George’s, county is where I grew up, and now I need a direct loan in Maryland for $136000 to pay bills. It has been difficult, but Enterprise Federal Savings Bank really came through for me with this loan for 10.1% interest APR and a term of 18 years. I can probably repay the loan over the 18 year term, including interest. A big thanks to Enterprise Federal Savings Bank for giving me a chance and my fair credit. It look me 5 years to build my credit to 568, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.
Izola has a disappointing current total income, but has a large amount of prospects
Izola has always wanted to be a retail customer service representative, but would have to attend Loma Linda University again to achieve it. Izola has other prospects as well, including sportswriter, stained glass artist, and appeals referee, which pay $52,000 through to $101,000 per year, at least. For this reason, we think that Izola can afford this direct loan of $136000.
Many previous requests for credit have been made by Izola in the past, including one from First RepublicBank Irving in Oxon Hill, Maryland before Izola was accepted for the $136000 by Enterprise Federal Savings Bank
Izola made 6 prior attempts to obtain a direct loan, 2 of which were with First RepublicBank Irving, a lender in Oxon Hill, Maryland known to specialize in direct loans specifically. Prior to finding Enterprise Federal Savings Bank, Izola was concerned due to their inexperience and fair credit rating.
Izola was not approved by First National Bank of Harford County 5 times prior to being approved by Enterprise Federal Savings Bank at 6089 Oxon Hill Road
On June 1, 2011, Izola inquired about borrowing $27,000 from FCNB Bank with Patrick, their friend from just outside Oxon Hill, and even with the co-signer, Izola was rejected for this direct loan. With fair credit, it can be a challenge to obtain financing, even with collateral and a co-signer.
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans vary from $27,000.00 to $52,000.00. They are normally used to pay off existing high interest loans like credit cards. Izola needed a debt consolidation loan to pay for their existing direct loan and their payday loan. Izola was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 4.4%.
Izola’s Overall FICO score at the time of acceptance for a direct loan, taking into account their home economics teacher job and their future career as a retail customer service representative
Installment loan for Izola, a graduate of Loma Linda University and a home economics teacher working for over $67,000 per year
Izola, an alumnus at Loma Linda University and a home economics teacher in Oxon Hill, Maryland needs a direct loan to purchase a house. Izola has instead decided to obtain an installment loan for $16,000 and is currently seeking lenders like FCNB Bank to process their request.
Izola’s Transunion score was changed by the direct loan loan, changing to 552 from 568, which is typical in our experience.
Personal Loan for a home economics teacher named Izola in Oxon Hill, Maryland to Pay Off Farm Bureau Bank World MasterCard
Izola had a tonne of credit card debt on their Chevron Credit Card / Texaco Credit Card and their Berkshire Municipal Bank Visa Signature Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Izola’s job as a home economics teacher, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Before applying for this direct loan, Izola had an Experian score of 578, which is fair, so Enterprise Federal Savings Bank probably cannot provide Izola a direct loan
6 Months in the Past, Izola Attempted to Find a High Risk Loan for $47,000.00, and it was Easy
There is an existing struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Izola. Izola chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit borrowers. Individuals with credit scores as low as 354 can inquire for a high risk loan and may be be approved.
Contact Details for Enterprise Federal Savings Bank, the provider of this direct loan
- Enterprise Federal Savings Bank
- City: Oxon Hill
- State: Maryland
- Address: 6089 Oxon Hill Road
- County: Prince George’s
- Zip code: 20745
- Full name (Changed if requested): Izola Fenrich
- Current Credit: loans.hit.utils.Fico@2d363fb3
- Current City: Oxon Hill
- State: Maryland
- Zip code: 20747
- Yearly income: $51,000
- Current Job: home economics teacher
- Current County: Prince George’s
- Goal Yearly Income: $126,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Previous requests on Izola’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$125340.00||9||6.2%||$1517.23||American Security Bank, National Association||January 8, 2010|
|$124790.00||8||8.8%||$1815.28||The Forest Hill State Bank||January 21, 2013|
|$125140.00||6||9.4%||$2280.64||Boonsboro Bank of Boonsboro, Maryland||September 24, 2013|
|$124790.00||6||10.2%||$2324.44||Farmers Bank||September 11, 2014|
|$124690.00||10||7.6%||$1486.61||St. Michaels Bank||January 21, 2015|
Conclusion of Izola’s direct loan
In the end, Izola was able to find a direct loan for $136000 with an interest rate of 8.5% interest APR from Enterprise Federal Savings Bank in Oxon Hill, Maryland repayable over 18 years from today.