Do you have over $10,000 in Debt? Get Help now.

Irmgard Citarella’s Direct Loan For 38000 Dollars In Philadelphia Pennsylvania

$38000 Direct Loan – Philadelphia Pennsylvania, Credit Rating Of 367

  • Experian: 384 – This individual had a terrible Experian rating
  • Transunion: 352 – Irmgard had a terrible credit rating with Transunion.
  • Equifax: Irmgard’s Experian score was 367, which is a terrible credit rating using the Experian rating scheme.

Irmgard’s Transunion score was altered by the direct loan loan, changing to 352 from 367, which is typical in our experience.

Transunion Score: 352

Installment loan for Irmgard, a graduate of Target International Student Center and a harbor working for over $74,000 per year

Irmgard, an alumnus at Target International Student Center and a harbor in Philadelphia, Pennsylvania wants a direct loan to purchase a new cell phone. Irmgard has instead chosen to get an installment loan for $27,000 and is currently seeking lenders like Provident National Bank to process their request.

Multiple past requests for credit have been made by Irmgard in the past, including one from First Bank Katy, National Association in Philadelphia, Pennsylvania before Irmgard was accepted for the $38000 by William Penn Bank

Irmgard made 9 previous attempts to obtain a direct loan, 2 of which were with First Bank Katy, National Association, a lender in Philadelphia, Pennsylvania known to specialize in direct loans specifically. Before finding William Penn Bank, Irmgard was desperate due to their inexperience and terrible credit rating.

Signature Loan easily acquired in Philadelphia, Pennsylvania for $38000 with terrible credit by Irmgard

A lot of borrowers struggle with obtaining signature loans in Philadelphia, Pennsylvania, and Irmgard is no different. Irmgard went to 4 lenders or more prior to settling on William Penn Bank, who offered Irmgard a signature loan for $38000. Most signature loans simply require a client, like Irmgard’s signature to get them, up to $49,000 in some cases. Irmgard was able to get $38000 as a direct loan, which is very high for a direct loan. Because signature loans do not need a cosigner, these loans tend to need improved credit, as high as 799

Contact Details for William Penn Bank, the provider of this direct loan

  • William Penn Bank
  • City: Philadelphia
  • State: Pennsylvania
  • Address: 230 South Broad Street
  • County: Philadelphia
  • Zip code: 19102

Before applying for this direct loan, Irmgard had an Experian score of 384, which is terrible, so William Penn Bank most likely cannot provide Irmgard a direct loan

Experian Score: 384

Fast Loans for Irmgard in Philadelphia, Pennsylvania to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Philadelphia, Pennsylvania aren’t actually that difficult to obtain, especially if you have some finesse like Irmgard. Irmgard was able to find a fast loan for $38000 from Green Ridge Bank and The Fidelity Bank, but declined both offers in favor of their direct loan from William Penn Bank. 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 installment loans. A big difference if a borrower is on the go.

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $24,000.00 to $49,000.00. They are mainly used to pay off existing high interest loans like credit cards. Irmgard required a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Irmgard was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.3%.

Client Profile: Irmgard Citarella of Philadelphia, Pennsylvania
  • Full name (Changed if requested): Irmgard Citarella
  • Current Credit: loans.hit.utils.Fico@4e515669
  • Current City: Philadelphia
  • State: Pennsylvania
  • Zip code: 19106
  • Yearly income: $34,000
  • Current Job: harbor
  • Current County: Philadelphia
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Paraphrased and Standardized Quote from Irmgard for this direct loan of $38000, provided by William Penn Bank

Hi, I am Irmgard and I am from Philadelphia in Pennsylvania. Philadelphia, county is where I grew up, and now I need a direct loan in Pennsylvania for $38000 to pay bills. It has been difficult, but William Penn Bank really came through for me with this loan for 5.8% interest APR and a term of 22 years. I can probably repay the loan over the 22 year term, including interest. A big thanks to William Penn Bank for giving me a chance and my terrible credit. It look me 4 years to create my credit to 367, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Irmgard was declined by PS Bank 6 times before being accepted by William Penn Bank at 230 South Broad Street

On October 30, 2013, Irmgard applied about borrowing $14,000 from Dauphin Deposit Bank and Trust Company with Mimi, their in law from just outside Philadelphia, and even with the co-signer, Irmgard was rejected for this direct loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Personal Loan for a harbor named Irmgard in Philadelphia, Pennsylvania to Pay Off US Bank Secured Visa Card

Irmgard had a lot of credit card debt on their Crutchfield Credit Card and their Fulton Bank Visa Platinum Card, and they were starting to get in over their heads. Despite Irmgard’s job as a harbor, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

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

Irmgard has always wanted to be a controller, but would have to attend Target International Student Center again to become one. Irmgard has other possibilities as well, including social welfare administrator, audio-visual collections specialist, and dispatcher, which pay $59,000 through to $102,000 per year, on average. For this reason, we believe that Irmgard can pay for this direct loan of $38000.

Irmgard’s Overall FICO score at the time of acceptance for a direct loan, taking into account their harbor job and their future job as a controller

Fico Score: 367

6 Months in the Past, Irmgard Attempted to Find a High Risk Loan for $46,000.00, and it was Hard

It is an well known struggle for clients to get 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 scary to borrowers like Irmgard. Irmgard decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Individuals with credit ratings as low as 396 can inquire for a high risk loan and possibly can be accepted.

Previous requests on Irmgard’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$16690.00 6 6.8% $282.95 The People’s Bank of Oxford October 16, 2010
$16660.00 3 11.8% $551.76 First Lehigh Bank September 5, 2011
$17170.00 3 11.4% $565.38 SunBank July 2, 2013
$17490.00 7 7.6% $269.13 Merchants Bank (North) March 9, 2014

When Irmgard was 21, they tried to obtain a student loan from 7 alternate lenders, which damaged their credit score. Below is a list of Irmgard’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on May 23, 2013
  • Attempt 2) Loan for $34,000.00 on April 8, 2012
  • Attempt 3) Loan for $29,000.00 on March 13, 2009
  • Attempt 4) Loan for $36,000.00 on December 9, 2011
  • Attempt 5) Loan for $28,000.00 on April 2, 2012
  • Attempt 6) Loan for $26,000.00 on October 25, 2008
  • Attempt 7) Loan for $31,000.00 on September 25, 2009

Conclusion of Irmgard’s direct loan

In the end, Irmgard was able to find a direct loan for $38000 with an interest rate of 5.0% interest APR from William Penn Bank in Philadelphia, Pennsylvania repayable over 22 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.

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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.