$117000 Fast Loan – Temple Oklahoma, Credit Score Of 514
- Experian: 533 – This client had a fair Experian score
- Transunion: 497 – Debbie had a fair credit score with Transunion.
- Equifax: Debbie’s Experian score was 514, which is a fair credit score on the Experian system.
- Full name (Changed if requested): Debbie Lineberry
- Current Credit: loans.hit.utils.Fico@312b1dae
- Current City: Temple
- State: Oklahoma
- Zip code: 73569
- Yearly income: $36,000
- Current Job: vending machine mechanic
- Current County: Cotton
- Goal Yearly Income: $111,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Installment loan for Debbie, a graduate of Wayne State College and a vending machine mechanic working for over $77,000 per year
Debbie, an alumnus at Wayne State College and a vending machine mechanic in Temple, Oklahoma wants a fast loan to purchase something frivolous. Debbie has instead decided to get an installment loan for $17,000 and is at present seeking lenders like Security State Bank to process their request.
Fast Loans for Debbie in Temple, Oklahoma to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Temple, Oklahoma aren’t actually that difficult to obtain, especially if you have some gumption like Debbie. Debbie was able to find a fast loan for $117000 from Cleo State Bank and Security State Bank, but declined both offers in favor of their fast loan from First National Bank of Temple. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big improvement in the case that a client is on the go.
8 Months in the Past, Debbie Attempted to Find a High Risk Loan for $40,000.00, but They Didn’t Find What They were Expecting
It is an ongoing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Debbie. Debbie chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Borrowers with credit scores as low as 361 can apply for a high risk loan and may be be accepted.
Paraphrased and Standardized Quote from Debbie for this fast loan of $117000, provided by First National Bank of Temple
Hi, I am Debbie and my hometown is Temple in Oklahoma. Cotton, county is where I grew up, and now I need a fast loan in Oklahoma for $117000 to buy a big ticket item. It wasn’t easy, but First National Bank of Temple really came through for me with this loan for 6.5% interest APR and a term of 13 years. I can repay the loan over the 13 year term, including interest. A big thanks to First National Bank of Temple for trusting me and my fair credit. It look me 7 years to create my credit to 514, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.
When Debbie was 23, they attempted to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a list of Debbie’s prior attempts at finding a student loan:
- Attempt 1) Loan for $27,000.00 on June 25, 2009
- Attempt 2) Loan for $28,000.00 on January 19, 2013
- Attempt 3) Loan for $23,000.00 on March 4, 2010
- Attempt 4) Loan for $25,000.00 on May 9, 2010
- Attempt 5) Loan for $39,000.00 on August 27, 2012
Debbie’s Overall FICO score at the time of acceptance for a fast loan, taking into account their vending machine mechanic job and their future job as an insurance adjuster
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans range from $21,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Debbie needed a debt consolidation loan to pay for their existing fast loan and their credit card. Debbie was able to find a fast loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.0%.
Previous requests on Debbie’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$47230.00||9||6.1%||$569.37||The First State Bank||December 12, 2010|
|$46900.00||6||7.3%||$806.37||Security Bank and Trust Company||February 8, 2011|
|$47260.00||3||11.3%||$1553.95||The First State Bank, Willow, Okla.||April 9, 2011|
|$47430.00||3||8.1%||$1488.47||Sooner State Bank||March 16, 2013|
|$47260.00||8||8.3%||$675.33||The Farmers State Bank||November 27, 2013|
Contact Details for First National Bank of Temple, the provider of this fast loan
- First National Bank of Temple
- City: Temple
- State: Oklahoma
- Address: 111 South Commercial Street
- County: Cotton
- Zip code: 73568
Debbie’s Transunion score was changed by the fast loan loan, changing to 497 from 514, which is normal in our experience.
Personal Loan for a vending machine mechanic named Debbie in Temple, Oklahoma to Pay Off University of Pittsburgh Credit Cards
Debbie had a tonne of credit card debt on their Trustco Bank Hometown Secured Card and their Pacific Sunwear PacSun Credit Card, and they were starting to get in over their heads. Despite Debbie’s job as a vending machine mechanic, 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 Temple, Oklahoma for $117000 with fair credit by Debbie
Many clients have difficulty with finding signature loans in Temple, Oklahoma, and Debbie is the same. Debbie went to 4 lenders or more before finding First National Bank of Temple, who offered Debbie a signature loan for $117000. Most signature loans simply need a client, like Debbie’s signature to get them, up to $41,000 in some cases. Debbie was able to get $117000 as a fast loan, which is very high for a fast loan. Because signature loans don’t need a cosigner, they tend to require better credit, as high as 761
Multiple previous requests for credit have been made by Debbie in the past, including one from New Market Bank in Temple, Oklahoma before Debbie was approved for the $117000 by First National Bank of Temple
Debbie made 6 prior attempts to obtain a fast loan, 2 of which were with New Market Bank, a bank in Temple, Oklahoma known to specialize in fast loans specifically. Prior to finding First National Bank of Temple, Debbie was concerned due to their inexperience and fair credit score.
Debbie has a disappointing current yearly income, but has a high number of prospects
Debbie has always wanted to be an insurance adjuster, but would have to attend Wayne State College again to become one. Debbie has other possibilities as well, including switchboard operator, government budget analyst, and pilot, which pay $57,000 through to $107,000 per year, on average. Because of this, we believe that Debbie can afford this fast loan of $117000.
Before applying for this fast loan, Debbie had an Experian score of 533, which is fair, so First National Bank of Temple most likely cannot provide Debbie a fast loan
Debbie was rejected by Security State Bank 4 times before being granted funding by First National Bank of Temple at 111 South Commercial Street
On October 24, 2008, Debbie inquired about borrowing $34,000 from Sooner State Bank with Irene, their in law from just outside Temple, and even with the co-signer, Debbie was rejected for this fast loan. With fair credit, it can be a challenge to procure financing, even with collateral and a co-signer.
Conclusion of Debbie’s fast loan
In the end, Debbie was able to find a fast loan for $117000 with an interest rate of 5.2% interest APR from First National Bank of Temple in Temple, Oklahoma repayable over 13 years from today.