$94000 Same Day Loan – Pawhuska Oklahoma, Credit Rating Of 397
- Experian: 410 – This individual had a terrible Experian score
- Transunion: 382 – Manual had a terrible credit score with Transunion.
- Equifax: Manual’s Experian score was 397, which is a terrible credit rating on the Experian rating scheme.
Contact Details for First National Bank in Pawhuska, the provider of this same day loan
- First National Bank in Pawhuska
- City: Pawhuska
- State: Oklahoma
- Address: 100 W. Main St
- County: Osage
- Zip code: 74056
Paraphrased and Standardized Quote from Manual for this same day loan of $94000, provided by First National Bank in Pawhuska
Hi, I am Manual and my hometown is Pawhuska in Oklahoma. Osage, county is where I grew up, and now I need a same day loan in Oklahoma for $94000 to buy a car. It has been difficult, but First National Bank in Pawhuska really came through for me with this loan for 8.8% interest APR and a term of 10 years. I can probably repay the loan over the 10 year term, including interest. A big thanks to First National Bank in Pawhuska for trusting me and my terrible credit. It look me 9 years to build my credit to 397, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.
- Full name (Changed if requested): Manual Benbow
- Current Credit: loans.hit.utils.Fico@694f9431
- Current City: Pawhuska
- State: Oklahoma
- Zip code: 74060
- Yearly income: $61,000
- Current Job: parking lot attendant
- Current County: Osage
- Goal Yearly Income: $123,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Several past requests for credit have been made by Manual in the past, including one from United Missouri Bank of St. Louis, National Association in Pawhuska, Oklahoma before Manual was approved for the $94000 by First National Bank in Pawhuska
Manual made 6 previous tries to obtain a same day loan, 2 of which were with United Missouri Bank of St. Louis, National Association, a bank in Pawhuska, Oklahoma known to specialize in same day loans specifically. Prior to finding First National Bank in Pawhuska, Manual was concerned due to their inexperience and terrible credit rating.
Manual’s Overall FICO score at the time of acceptance for a same day loan, taking into account their parking lot attendant job and their future job as a middle school teacher
Manual has a disappointing current yearly income, but has a large amount of prospects
Manual has always wanted to be a middle school teacher, but would have to attend Kaplan College – Panorama City again to achieve it. Manual has other prospects as well, including electrical drafter, graduate teaching assistant, and industrial health engineer, which pay $50,000 through to $105,000 per year, at least. Because of this, we believe that Manual can pay for this same day loan of $94000.
When Manual was 23, they attempted to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a chronology of Manual’s previous attempts at finding a student loan:
- Attempt 1) Loan for $25,000.00 on October 20, 2009
- Attempt 2) Loan for $27,000.00 on November 3, 2011
- Attempt 3) Loan for $34,000.00 on November 23, 2008
- Attempt 4) Loan for $36,000.00 on June 14, 2010
Personal Loan for a parking lot attendant named Manual in Pawhuska, Oklahoma to Pay Off Carter Lumber Company Credit Card
Manual had a tonne of credit card debt on their Berkshire Municipal Bank Visa Business Bonus Rewards Card and their Facecard Prepaid MasterCard, and they were starting to get in over their heads. Despite Manual’s job as a parking lot attendant, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Fast Loans for Manual in Pawhuska, Oklahoma to prevent bankruptcy or harm from debt collectors.
Fast loans in Pawhuska, Oklahoma aren’t actually that difficult to obtain, particularly if you have some gumption like Manual. Manual was able to find a fast loan for $94000 from The Security Bank & Trust Company and First State Bank, but turned down both offers in favor of their same day loan from First National Bank in Pawhuska. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better in the case that a borrower is in a pinch.
Previous requests on Manual’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$77160.00||5||10.5%||$1658.47||The First State Bank||February 28, 2013|
|$77200.00||8||7.5%||$1071.83||Security Bank and Trust Company||March 8, 2013|
|$77370.00||9||11.2%||$1140.17||The First State Bank, Willow, Okla.||June 9, 2013|
|$76820.00||10||9.8%||$1006.69||Sooner State Bank||January 3, 2015|
Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans range from $34,000.00 to $59,000.00. They are typically used to pay off existing high interest loans like credit cards. Manual required a debt consolidation loan to pay for their existing same day loan and their loan shark loan. Manual was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.0%.
Before applying for this same day loan, Manual had an Experian score of 410, which is terrible, so First National Bank in Pawhuska most likely cannot provide Manual a same day loan
Signature Loan acquired in Pawhuska, Oklahoma for $94000 with terrible credit by Manual
A lot of prospective borrowers have difficulty with finding signature loans in Pawhuska, Oklahoma, and Manual is no exception. Manual went to 4 lending institutions or more before settling on First National Bank in Pawhuska, who offered Manual a signature loan for $94000. Typical signature loans simply require a client, like Manual’s signature to obtain them, up to $48,000 in some cases. Manual was able to get $94000 as a same day loan, which is very high for a same day loan. Because signature loans do not require a cosigner, they generally need improved credit, as high as 772
Installment loan for Manual, a graduate of Kaplan College – Panorama City and a parking lot attendant working for over $79,000 per year
Manual, an alumnus at Kaplan College – Panorama City and a parking lot attendant in Pawhuska, Oklahoma wants a same day loan to purchase something frivolous. Manual has instead chosen to obtain an installment loan for $13,000 and is at present seeking lenders like United Oklahoma Bank to provide it.
7 Months Ago, Manual Tried Finding a High Risk Loan for $23,000.00, and it was Hard
There is an well known struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Manual. Manual chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Clients with credit ratings as low as 346 can apply for a high risk loan and possibly can be approved.
Manual was rejected by Security First National Bank of Hugo 5 times prior to being approved by First National Bank in Pawhuska at 100 W. Main St
On August 26, 2009, Manual applied about borrowing $5,000 from The Citizens State Bank with Sammie, their in law from just outside Pawhuska, and even with the co-signer, Manual was rejected for this same day loan. With terrible credit, it can be very hard to procure financing, even with collateral and a co-signer.
Manual’s Transunion score was changed by the same day loan loan, changing to 382 from 397, which is normal in our experience.
Conclusion of Manual’s same day loan
In the end, Manual was able to find a same day loan for $94000 with an interest rate of 11.5% interest APR from First National Bank in Pawhuska in Pawhuska, Oklahoma repayable over 10 years from now.