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5 Year Direct Loan For Sheena In Swainsboro Georgia

$20000 Direct Loan – Swainsboro Georgia, Credit Rating Of 836

  • Experian: 848 – The client had an excellent Experian rating
  • Transunion: 820 – Sheena had an excellent credit score with Transunion.
  • Equifax: Sheena’s Experian score was 836, which is an excellent credit score with the Experian rating scheme.

Paraphrased and Standardized Quote from Sheena for this direct loan of $20000, provided by The Central Bank

Hi, I am Sheena and I am from Swainsboro in Georgia. Emanuel, county is where I grew up, and now I need a direct loan in Georgia for $20000 to buy a big ticket item. It wasn’t easy, but The Central Bank really came through for me with this loan for 8.2% interest APR and a term of 8 years. I can repay the loan over the 8 year term, including interest. A big thanks to The Central Bank for trusting me and my excellent credit. It look me 5 years to build my credit to 836, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Sheena’s Overall FICO score at the time of acceptance for a direct loan, taking into account their radio & tv newscaster job and their future job as a social welfare administrator

Fico Score: 836

Sheena has a very low current total income, but has several of prospects

Sheena has always wanted to be a social welfare administrator, but would need attend Lamar University again to become one. Sheena has other possibilities as well, including atm machine servicer, casino surveillance officer, and deaf students teacher, which pay $59,000 through to $105,000 per year, at least. Because of this, we think that Sheena can pay for this direct loan of $20000.

Before applying for this direct loan, Sheena had an Experian score of 848, which is excellent, so The Central Bank likely cannot provide Sheena a direct loan

Experian Score: 848

8 Months Ago, Sheena Attempted Finding a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for borrowers to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Sheena. Sheena chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Clients with credit ratings as low as 329 can apply for a high risk loan and have a chance to be approved.

Contact Details for The Central Bank, the provider of this direct loan

  • The Central Bank
  • City: Swainsboro
  • State: Georgia
  • Address: 205 South Main Street
  • County: Emanuel
  • Zip code: 30401

Installment loan for Sheena, a graduate of Lamar University and a radio & tv newscaster working for over $72,000 per year

Sheena, an alumnus at Lamar University and a radio & tv newscaster in Swainsboro, Georgia wants a direct loan to purchase a house. Sheena has instead decided to obtain an installment loan for $5,000 and is at present seeking lenders like Roswell Bank to provide it.

Personal Loan for a radio & tv newscaster named Sheena in Swainsboro, Georgia to Pay Off Associated Bank Visa Business Card

Sheena had a tonne of credit card debt on their Riverview Community Bank Visa Business Bonus Rewards PLUS Card and their Merrill Lynch WCMA Business Access, and they were starting to get in over their heads. Despite Sheena’s job as a radio & tv newscaster, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Fast Loans for Sheena in Swainsboro, Georgia to prevent bankruptcy or harm from debt collectors.

Fast loans in Swainsboro, Georgia aren’t actually that difficult to obtain, especially if you have some finesse like Sheena. Sheena was able to find a fast loan for $20000 from Bank of Alapaha and Bank of Morgan County, but declined both offers in favor of their direct loan from The Central Bank. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement if a borrower is on the go.

Sheena’s Transunion score was changed by the direct loan loan, changing to 820 from 836, which is typical in our experience.

Transunion Score: 820

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $27,000.00 to $46,000.00. They are mainly used to pay off existing high interest loans like credit cards. Sheena needed a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Sheena was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.1%.

Previous requests on Sheena’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$146660.00 10 6.6% $1672.77 NationsBank of Florida, National Association January 16, 2012
$146730.00 6 8.2% $2587.0 Century Bank and Trust November 14, 2012
$147480.00 8 9.2% $2175.94 Bank of Madison January 3, 2015
$146820.00 9 10.1% $2074.99 Bank of Hazlehurst April 23, 2015
$146560.00 11 8.7% $1728.78 The Citizens and Southern Bank of Dublin May 26, 2015

When Sheena was 20, they tried to obtain a student loan from 4 alternate lenders, which harmed their credit rating. Below is a chronology of Sheena’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on February 22, 2010
  • Attempt 2) Loan for $23,000.00 on October 9, 2009
  • Attempt 3) Loan for $30,000.00 on May 5, 2010
  • Attempt 4) Loan for $36,000.00 on April 8, 2011

Multiple previous requests for credit have been made by Sheena in the past, including one from RiverWood Bank in Swainsboro, Georgia before Sheena was accepted for the $20000 by The Central Bank

Sheena made 9 previous attempts to obtain a direct loan, 2 of which were with RiverWood Bank, a lender in Swainsboro, Georgia known to specialize in direct loans specifically. Before finding The Central Bank, Sheena was very concerned due to their inexperience and excellent credit rating.

Client Profile: Sheena Pagliaro of Swainsboro, Georgia
  • Full name (Changed if requested): Sheena Pagliaro
  • Current Credit: loans.hit.utils.Fico@7e32c033
  • Current City: Swainsboro
  • State: Georgia
  • Zip code: 30402
  • Yearly income: $56,000
  • Current Job: radio & tv newscaster
  • Current County: Emanuel
  • Goal Yearly Income: $97,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Signature Loan found in Swainsboro, Georgia for $20000 with excellent credit by Sheena

Most borrowers have difficulty with obtaining signature loans in Swainsboro, Georgia, and Sheena is not an exception. Sheena went to 4 lenders or more prior to finding The Central Bank, who offered Sheena a signature loan for $20000. Typical signature loans simply need a client, like Sheena’s signature to get them, up to $39,000 in some cases. Sheena was able to get $20000 as a direct loan, which is very high for a direct loan. Since signature loans do not require collateral, these loans generally need improved credit, as high as 799

Sheena was declined by First National Bank of Griffin 6 times prior to being approved by The Central Bank at 205 South Main Street

On March 25, 2012, Sheena inquired about borrowing $42,000 from First National Bank of Griffin with Fernando, their in law from just outside Swainsboro, and even with the co-signer, Sheena was rejected for this direct loan. With excellent credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Conclusion of Sheena’s direct loan

In the end, Sheena was able to find a direct loan for $20000 with an interest rate of 9.2% interest APR from The Central Bank in Swainsboro, Georgia repayable over 8 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.