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20 Month, Fixed Interest Consolidation Loan For Darlena In Pennsylvania

$90000 Consolidation Loan – Gallitzin Pennsylvania, Credit Rating Of 434

  • Experian: 448 – They had a bad Experian rating
  • Transunion: 417 – Darlena had a bad credit score with Transunion.
  • Equifax: Darlena’s Experian score was 434, which is a bad credit rating with the Experian rating scheme.

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $27,000.00 to $53,000.00. They are typically used to pay off existing high interest loans like credit cards. Darlena needed a debt consolidation loan to pay for their existing consolidation loan and their loan shark loan. Darlena was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your bad, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.4%.

Darlena’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their educational administrator job and their future job as a construction trades supervisor

Fico Score: 434

9 Months in the Past, Darlena Tried to Find a High Risk Loan for $26,000.00, and it was Easy

There is an ongoing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Darlena. Darlena decided not to get a high risk loan this time. High Risk loans are given to terrible credit clients. Individuals with credit scores as low as 369 can apply for a high risk loan and have a chance to be approved.

Client Profile: Darlena Hospkins of Gallitzin, Pennsylvania
  • Full name (Changed if requested): Darlena Hospkins
  • Current Credit: loans.hit.utils.Fico@5fa7e7ff
  • Current City: Gallitzin
  • State: Pennsylvania
  • Zip code: 16645
  • Yearly income: $53,000
  • Current Job: educational administrator
  • Current County: Cambria
  • Goal Yearly Income: $132,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Darlena’s Transunion score was changed by the consolidation loan loan, changing to 417 from 434, which is normal in our experience.

Transunion Score: 417

Personal Loan for an educational administrator named Darlena in Gallitzin, Pennsylvania to Pay Off Platinum Visa Business Card

Darlena had a tonne of credit card debt on their Minnesota Twins BankAmericard Cash Rewards MasterCard and their NetSpend Prepaid Visa or MasterCard, and they were starting to get in over their heads. Despite Darlena’s job as an educational administrator, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Signature Loan found in Gallitzin, Pennsylvania for $90000 with bad credit by Darlena

A lot of clients have difficulty with finding signature loans in Gallitzin, Pennsylvania, and Darlena is the same. Darlena went to 8 lending institutions or more prior to finding First National Bank at Gallitzin, who offered Darlena a signature loan for $90000. Most signature loans simply need a client, like Darlena’s signature to get them, up to $42,000 in some cases. Darlena was able to get $90000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans don’t need collateral, these loans generally need higher credit, as high as 701

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

Darlena has always wanted to be a construction trades supervisor, but would have to attend University of Phoenix again to achieve it. Darlena has other prospects as well, including computer applications engineer, nuclear fuels research engineer, and industrial relations specialist, which pay $54,000 through to $108,000 per year, on average. Because of this, we believe that Darlena can pay for this consolidation loan of $90000.

Darlena was rejected by Industrial Valley Bank and Trust Company 4 times before being accepted by First National Bank at Gallitzin at 701 Main Street

On October 29, 2011, Darlena inquired about borrowing $37,000 from PS Bank with Ammie, their in law from just outside Gallitzin, and even with the co-signer, Darlena was rejected for this consolidation loan. With bad credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Darlena for this consolidation loan of $90000, provided by First National Bank at Gallitzin

Hi, I am Darlena and my hometown is Gallitzin in Pennsylvania. Cambria, county is where I grew up, and now I need a consolidation loan in Pennsylvania for $90000 to buy a car. It has been difficult, but First National Bank at Gallitzin really came through for me with this loan for 11.0% interest APR and a term of 20 years. I will repay the loan over the 20 year term, including interest. A big thanks to First National Bank at Gallitzin for trusting me and my bad credit. It look me 4 years to create my credit to 434, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

Installment loan for Darlena, a graduate of University of Phoenix and an educational administrator working for over $66,000 per year

Darlena, an alumnus at University of Phoenix and an educational administrator in Gallitzin, Pennsylvania needs a consolidation loan to purchase a new cell phone. Darlena has instead chosen to get an installment loan for $14,000 and is at present seeking lenders like Liberty State Bank, Mount Carmel, Pa. to process their request.

Multiple previous requests for credit have been made by Darlena in the past, including one from North Georgia National Bank in Gallitzin, Pennsylvania before Darlena was accepted for the $90000 by First National Bank at Gallitzin

Darlena made 7 previous tries to obtain a consolidation loan, 2 of which were with North Georgia National Bank, a lending institution in Gallitzin, Pennsylvania known to specialize in consolidation loans specifically. Prior to finding First National Bank at Gallitzin, Darlena was desperate due to their inexperience and bad credit rating.

Before applying for this consolidation loan, Darlena had an Experian score of 448, which is bad, so First National Bank at Gallitzin probably cannot provide Darlena a consolidation loan

Experian Score: 448

Previous requests on Darlena’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$40740.00 4 11.2% $1056.91 The People’s Bank of Oxford November 4, 2009
$40670.00 5 8.8% $840.3 First Lehigh Bank February 24, 2012
$41150.00 10 8.1% $501.44 SunBank June 13, 2014
$40710.00 6 10.1% $756.24 Merchants Bank (North) January 15, 2015

Fast Loans for Darlena in Gallitzin, Pennsylvania to prevent bankruptcy or harm from debt collectors.

Fast loans in Gallitzin, Pennsylvania aren’t actually that difficult to obtain, particularly if you have some finesse like Darlena. Darlena was able to find a fast loan for $90000 from Green Ridge Bank and Continental Bank, but declined both offers in favor of their consolidation loan from First National Bank at Gallitzin. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big improvement in the case that a borrower is in a pinch.

When Darlena was 21, they tried to obtain a student loan from 7 different lenders, which harmed their credit score. Below is a list of Darlena’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on February 20, 2013
  • Attempt 2) Loan for $20,000.00 on January 12, 2011
  • Attempt 3) Loan for $34,000.00 on May 17, 2013
  • Attempt 4) Loan for $36,000.00 on January 27, 2011
  • Attempt 5) Loan for $28,000.00 on December 27, 2013
  • Attempt 6) Loan for $22,000.00 on September 24, 2011
  • Attempt 7) Loan for $35,000.00 on September 1, 2009

Contact Details for First National Bank at Gallitzin, the provider of this consolidation loan

  • First National Bank at Gallitzin
  • City: Gallitzin
  • State: Pennsylvania
  • Address: 701 Main Street
  • County: Cambria
  • Zip code: 16641

Conclusion of Darlena’s consolidation loan

In the end, Darlena was able to find a consolidation loan for $90000 with an interest rate of 9.7% interest APR from First National Bank at Gallitzin in Gallitzin, Pennsylvania repayable over 20 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.