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Josefa Needed A Secured Loan For $52000, Aliquippa, Pennsylvania

$52000 Secured Loan – Aliquippa Pennsylvania, Credit Rating Of 647

  • Experian: 665 – This client had a good Experian rating
  • Transunion: 634 – Josefa had a good credit score with Transunion.
  • Equifax: Josefa’s Experian score was 647, which is a good credit score using the Experian rating scheme.

Fast Loans for Josefa in Aliquippa, Pennsylvania to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Aliquippa, Pennsylvania aren’t actually that difficult to obtain, especially if you have some finesse like Josefa. Josefa was able to find a fast loan for $52000 from Mercer County State Bank and Peoples Bank of Nanticoke, but declined both offers in favor of their secured loan from Economy Savings Association. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better in the case that a client is on the go.

Multiple past requests for credit have been made by Josefa in the past, including one from Kalamazoo Savings and Loan Association in Aliquippa, Pennsylvania before Josefa was approved for the $52000 by Economy Savings Association

Josefa made 7 previous attempts to obtain a secured loan, 2 of which were with Kalamazoo Savings and Loan Association, a lending institution in Aliquippa, Pennsylvania known to specialize in secured loans specifically. Before finding Economy Savings Association, Josefa was very concerned due to their inexperience and good credit score.

Paraphrased and Standardized Quote from Josefa for this secured loan of $52000, provided by Economy Savings Association

Hello, I am Josefa and my hometown is Aliquippa in Pennsylvania. Beaver, county is where I grew up, and now I need a secured loan in Pennsylvania for $52000 to pay bills. It wasn’t easy, but Economy Savings Association really came through for me with this loan for 8.6% interest APR and a term of 17 years. I can probably repay the loan over the 17 year term, including interest. A big thanks to Economy Savings Association for giving me a chance and my good credit. It look me 7 years to create my credit to 647, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Personal Loan for an anti-terrorism intelligence agent named Josefa in Aliquippa, Pennsylvania to Pay Off First Niagara Bank MasterCard

Josefa had a tonne of credit card debt on their Bangor Savings Bank Visa Business Card and their Ralphs Rewards Plus MasterCard, and they were starting to get in over their heads. Despite Josefa’s job as an anti-terrorism intelligence agent, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Josefa’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$139760.00 5 6.1% $2708.46 The People’s Bank of Oxford October 1, 2010
$139840.00 5 7.5% $2802.11 First Lehigh Bank July 20, 2014
$140270.00 5 9.2% $2925.41 SunBank August 25, 2014
$140220.00 3 8.6% $4432.9 Merchants Bank (North) October 11, 2014
Client Profile: Josefa Vittum of Aliquippa, Pennsylvania
  • Full name (Changed if requested): Josefa Vittum
  • Current Credit: loans.hit.utils.Fico@443b7951
  • Current City: Aliquippa
  • State: Pennsylvania
  • Zip code: 15002
  • Yearly income: $49,000
  • Current Job: anti-terrorism intelligence agent
  • Current County: Beaver
  • Goal Yearly Income: $111,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Josefa was rejected by Mellon Bank (Central) National Association 6 times before being approved by Economy Savings Association at 2301 Sheffield Road

On May 15, 2010, Josefa inquired about borrowing $6,000 from The Schuylkill Haven Trust Company with Leonila, their friend from just outside Aliquippa, and even with the co-signer, Josefa was rejected for this secured loan. With good credit, it can be challenging to procure financing, even with collateral and a co-signer.

Before applying for this secured loan, Josefa had an Experian score of 665, which is good, so Economy Savings Association likely cannot provide Josefa a secured loan

Experian Score: 665

Installment loan for Josefa, a graduate of Scripps Research Institute and an anti-terrorism intelligence agent working for over $68,000 per year

Josefa, an alumnus at Scripps Research Institute and an anti-terrorism intelligence agent in Aliquippa, Pennsylvania needs a secured loan to purchase a new cell phone. Josefa has instead decided to obtain an installment loan for $11,000 and is currently seeking lenders like The Schuylkill Haven Trust Company to provide it.

Josefa’s Transunion score was changed by the secured loan loan, changing to 634 from 647, which is typical in our experience.

Transunion Score: 634

Josefa has a very low current yearly income, but has a high number of prospects

Josefa has always wanted to be a fraud investigator, but would have to attend Scripps Research Institute again to achieve it. Josefa has other prospects as well, including petroleum geologist, computer aided design technician, and horticulturist, which pay $51,000 through to $103,000 per year, on average. For this reason, we believe that Josefa can afford this secured loan of $52000.

6 Months Ago, Josefa Tried to Find a High Risk Loan for $33,000.00, and it was Hard

There is an well known struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Josefa. Josefa chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Borrowers with credit scores as low as 401 can apply for a high risk loan and possibly can be approved.

Signature Loan acquired in Aliquippa, Pennsylvania for $52000 with good credit by Josefa

Most clients have difficulty with finding signature loans in Aliquippa, Pennsylvania, and Josefa is the same. Josefa went to 8 lenders or more prior to settling on Economy Savings Association, who offered Josefa a signature loan for $52000. Typical signature loans simply require a client, like Josefa’s signature to obtain them, up to $35,000 in some cases. Josefa was able to get $52000 as a secured loan, which is very high for a secured loan. Since signature loans don’t require collateral, they generally require better credit, as high as 794

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $29,000.00 to $57,000.00. They are typically used to pay off existing high interest loans like credit cards. Josefa needed a debt consolidation loan to pay for their existing secured loan and their loan shark loan. Josefa was able to find a secured loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.2%.

When Josefa was 18, they tried to obtain a student loan from 4 different banks, which harmed their credit score. Below is a list of Josefa’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on September 18, 2010
  • Attempt 2) Loan for $29,000.00 on May 12, 2010
  • Attempt 3) Loan for $22,000.00 on November 28, 2010
  • Attempt 4) Loan for $26,000.00 on August 7, 2013

Contact Details for Economy Savings Association, the provider of this secured loan

  • Economy Savings Association
  • City: Aliquippa
  • State: Pennsylvania
  • Address: 2301 Sheffield Road
  • County: Beaver
  • Zip code: 15001

Josefa’s Overall FICO score at the time of acceptance for a secured loan, taking into account their anti-terrorism intelligence agent job and their future job as a fraud investigator

Fico Score: 647

Conclusion of Josefa’s secured loan

In the end, Josefa was able to find a secured loan for $52000 with an interest rate of 8.1% interest APR from Economy Savings Association in Aliquippa, Pennsylvania repayable over 17 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.

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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.