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$75000 Unsecured Loan With Fair Credit In Grove Hill Alabama

$75000 Unsecured Loan – Grove Hill Alabama, Credit Rating Of 590

  • Experian: 605 – This client had a fair Experian rating
  • Transunion: 572 – Roxanna had a fair credit rating with Transunion.
  • Equifax: Roxanna’s Experian score was 590, which is a fair credit score on the Experian scale.

Signature Loan acquired in Grove Hill, Alabama for $75000 with fair credit by Roxanna

Many prospective borrowers have difficulty with obtaining signature loans in Grove Hill, Alabama, and Roxanna is no exception. Roxanna went to 6 lenders or more before settling on First Bank and Trust, who offered Roxanna a signature loan for $75000. Typical signature loans simply need a client, like Roxanna’s signature to get them, up to $22,000 in some cases. Roxanna was able to get $75000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans do not need collateral, they generally require better credit, as high as 789

Roxanna has a very low current gross income, but has a large amount of prospects

Roxanna has always wanted to be a marine/port engineer, but would need attend Southwestern Illinois College again to become one. Roxanna has other prospects as well, including quality control technician, harbor master, and packaging machine operator, which pay $51,000 through to $105,000 per year, on average. For this reason, we think that Roxanna can afford this unsecured loan of $75000.

Before applying for this unsecured loan, Roxanna had an Experian score of 605, which is fair, so First Bank and Trust likely cannot provide Roxanna an unsecured loan

Experian Score: 605

Multiple past requests for credit have been made by Roxanna in the past, including one from The Exchange National Bank in Grove Hill, Alabama before Roxanna was accepted for the $75000 by First Bank and Trust

Roxanna made 9 previous tries to obtain an unsecured loan, 2 of which were with The Exchange National Bank, a bank in Grove Hill, Alabama known to specialize in unsecured loans specifically. Prior to finding First Bank and Trust, Roxanna was desperate due to their inexperience and fair credit rating.

Personal Loan for a technical illustrator named Roxanna in Grove Hill, Alabama to Pay Off PNC Bank Visa Business Credit Card

Roxanna had a tonne of credit card debt on their Korean Air SkyBlue SKYPASS Visa Card and their Arvest Elite Purchasing Visa Card, and they were starting to get in over their heads. Despite Roxanna’s job as a technical illustrator, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for First Bank and Trust, the provider of this unsecured loan

  • First Bank and Trust
  • City: Grove Hill
  • State: Alabama
  • Address: 131 Main Street
  • County: Clarke
  • Zip code: 36451

Roxanna’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their technical illustrator job and their future job as a marine/port engineer

Fico Score: 590

Paraphrased and Standardized Quote from Roxanna for this unsecured loan of $75000, provided by First Bank and Trust

Hello, I am Roxanna and I’m from Grove Hill in Alabama. Clarke, county is where I grew up, and now I need a unsecured loan in Alabama for $75000 to buy a big ticket item. It wasn’t easy, but First Bank and Trust really came through for me with this loan for 6.3% interest APR and a term of 10 years. I will repay the loan over the 10 year term, including interest. A big thanks to First Bank and Trust for trusting me and my fair credit. It look me 8 years to create my credit to 590, and I won’t harm it any future. I am pleased with Find Texas Loans for helping me this far.

Installment loan for Roxanna, a graduate of Southwestern Illinois College and a technical illustrator working for over $73,000 per year

Roxanna, an alumnus at Southwestern Illinois College and a technical illustrator in Grove Hill, Alabama needs an unsecured loan to purchase a car. Roxanna has instead chosen to get an installment loan for $10,000 and is at present seeking lenders like Bank of Florala to provide it.

Roxanna’s Transunion score was altered by the unsecured loan loan, changing to 572 from 590, which is typical in our experience.

Transunion Score: 572

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans range from $24,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Roxanna required a debt consolidation loan to pay for their existing unsecured loan and their loan shark loan. Roxanna was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your dirty, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.8%.

Previous requests on Roxanna’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$38580.00 8 8.1% $547.36 AuburnBank March 23, 2010
$39160.00 3 8.2% $1230.75 Bank of the South July 1, 2010
$38850.00 7 6.1% $569.41 Alabama City Bank of Gadsden, Alabama August 9, 2011
$39460.00 4 9.6% $993.24 The Exchange Bank, Attalla, Alabama February 27, 2012
$39340.00 9 9.6% $545.37 Robertson Banking Company August 25, 2013

When Roxanna was 18, they tried to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a list of Roxanna’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on December 25, 2009
  • Attempt 2) Loan for $29,000.00 on May 8, 2012
  • Attempt 3) Loan for $38,000.00 on November 21, 2009
  • Attempt 4) Loan for $31,000.00 on April 11, 2009

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

There is an existing struggle for clients to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Roxanna. Roxanna chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit applicants. Clients with credit scores as low as 508 can inquire for a high risk loan and possibly can be accepted.

Fast Loans for Roxanna in Grove Hill, Alabama to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Grove Hill, Alabama aren’t actually that difficult to obtain, particularly if you have some finesse like Roxanna. Roxanna was able to find a fast loan for $75000 from The Bank of Arab and The Bank of Arab, but turned down both offers in favor of their unsecured loan from First Bank and Trust. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better if a borrower is in a pinch.

Roxanna was not approved by The Bank of Vernon 6 times prior to being accepted by First Bank and Trust at 131 Main Street

On February 4, 2011, Roxanna inquired about borrowing $27,000 from The Bank of Parrish with Bernardina, their in law from just outside Grove Hill, and even with the co-signer, Roxanna was rejected for this unsecured loan. With fair credit, it can be challenging to procure funding, even with collateral and a co-signer.

Client Profile: Roxanna Gorney of Grove Hill, Alabama
  • Full name (Changed if requested): Roxanna Gorney
  • Current Credit: loans.hit.utils.Fico@12edcd21
  • Current City: Grove Hill
  • State: Alabama
  • Zip code: 36453
  • Yearly income: $52,000
  • Current Job: technical illustrator
  • Current County: Clarke
  • Goal Yearly Income: $83,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Conclusion of Roxanna’s unsecured loan

In the end, Roxanna was able to find an unsecured loan for $75000 with an interest rate of 9.4% interest APR from First Bank and Trust in Grove Hill, Alabama repayable over 10 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.