Do you have over $10,000 in Debt? Apply for debt relief.
Free Debt Relief Quote

Coty Has A Fico Score Of 512, And Gets $20000 From The Huntington National Bank Of Pennsylvania

Coty applied at the Huntington bank for a $20,000 Personal loan with a 512 credit score and was not approved. She did manage to get the loan through Huntington Bank with a little help from her family.  Most banks and credit unions will not accept loan applications with a credit score below 600 and may require an even a higher score depending on your income and repayment history.  There are private online lenders that will work with people with bad credit scores. We have listed financing options below if you have bad credit or looking for ways to consolidate debt with a damaged credit score.

Joint Spousal Loan or Finding a Family Member to Co-Sign 

Some lenders offer the option of applying jointly or with a co-signer. Freedom Plus offers this service. 

Bad Credit Loan Providers


Research your Credit Score and Credit History

If you have not completed this already, it is a good idea to check your credit score and credit history. Look through the items and make sure you agree with everything listed on the report. If you disagree with the information on the report, contact the credit bureau and let them know that there is an error. 

Improve Your Credit Score

Novita offers a free service to help you improve your credit score. Contact them today to get started as it will always help you to have a better credit score. Some providers are charging $99.00/month for credit repair help and Novita is offering this service at no charge through America loan Service. 

Auto Refinance

We have included a provider that works with over 1,000 mortgage providers and we believe will give you the best chance of finding a bad credit loan. you can also apply for a personal loan but with a 495 credit score, you will not be approved for more than $1,000 and the rates will be very high.

America loan Service was contacted by Coty. We sent her to her local bank to attempt to get a loan. 

Coty started her career as a psychiatric technician in Uniontown, Pennsylvania. Having studied at West Virginia Wesleyan College, Coty has since taken up a career as a clinical psychologist. Prior to starting her career, Coty acquired $20,000 in credit card debt on their Chemung Canal Trust Company Visa Platinum. The APR on this Chemung Canal Trust Company Visa Platinum was 22%. Coty was looking for a debt consolidation loan to clear up this debt. 

Coty made an attempt to procure a loan for $136,000.00 last year and was denied

Principle of LoanLength of Term (Years)Interest Rate (APR)Monthly Installment PaymentLending Institution
$135530.00 4 6.7% $3226.6 Merchants Bank (North)
$135740.00 8 5.6% $1757.5 Dauphin Deposit Bank and Trust Company
$136270.00 4 8.8% $3378.16 Wayne Bank

Debt consolidation loan for $20000 in Pennsylvania near 15401

Seeking financing often changes borrowers credit scores. Coty underwent diverse variations to their credit during the acceptance of this $20000 loan. Coty had an starting credit score of 512.

  • When it comes Equifax, Coty had an initial credit score of 512, and so Coty has a poor credit score
  • Coty had a credit score on the Transunion scale of 545, which is looked upon by lenders as bad credit
  • When it comes to Experian, Coty had an initial rating of 526, thus Coty has a bad credit score

Coty acquired this auto loan from The + National Bank of Pennsylvania, a loan provider located in Pennsylvania

  • The Huntington National Bank of Pennsylvania
  • Street Address: 81-85 West Main Street
  • Branch city: Uniontown
  • Branch state: Pennsylvania
  • Branch zip code: 15401
  • Branch County: Fayette
  • Our records indicate that this lender is currently inactive
  • Total assets: $106,179,000
  • Lender's deposits: $80,582,000
  • Total number of offices: 5

Coty has an Equifax score of 512. This is a poor credit score

Fico Score: 512

On the Transunion scale, Coty has a bad credit score of 545. This score impacts how lenders will view their credit, and thus, the interest rate of their loan

Transunion Score: 545

With the Experian scale, Coty has a bad credit score of 526, which will have impacted their loan interest

Experian Score: 526

Standard Lender Profile Of The Huntington National Bank Of Pennsylvania Of Uniontown

The Huntington National Bank of Pennsylvania is a bank found in Uniontown, Pennsylvania. This bank has give or take 5 locations at present, which is a small number of offices. Usually, lenders with many locations like The Huntington National Bank of Pennsylvania will lend to better credit individuals as a rule of thumb versus other, more standard lenders. This is partly a result of the fact that they cannot afford to take risks with their capital. Most banks have total asset ranges of about $857 million while The Huntington National Bank of Pennsylvania has $106,179,000 total assets, making them a good choice for family men with good credit ratings.
At the time of this writing, The Huntington National Bank of Pennsylvania is inactive; this means that you currently cannot procure financing from this bank. While we cannot be sure, our records at present are up to date with the FDIC's (Federal Deposit Insurance Corporation). Inactive lenders like The Huntington National Bank of Pennsylvania may or may not still be providing financing today.

Coty's comment after visiting The Huntington National Bank of Pennsylvania at 81-85 West Main Street: I originally tried to get the $20,000 loan and was denied. I requested my brother to co-sign and he has great credit. I got the loan and I've got a good job now and can work on repairing my credit score. I was really sloppy and lazy with the way I paid everything and it hurt me. I'm using Novita now and it's making a big difference.  It's free when you apply through this link on America Loan Service. 

Coty, A Client From Uniontown, Originally Asked Regarding Financing Of $20000. They Wanted A Loan.

Greetings, I am Coty and I am from Pennsylvania. Actually, Uniontown, Pennsylvania. I'm interested in a debt consolidation loan for $20000. I think that my credit of 512 and I've been turned down a few times already.  Can you tell me the cheapest and easiest way to get this loan? I have not been making any principal payments on this credit card and now I have a good job and bad credit,... agh.

Client Details: Coty
  • County: Fayette
  • Home State: Pennsylvania
  • Current zip code: 15403
  • Current income: undisclosed
  • Profession: psychiatric technician
  • Credit Card Debt: $7000 on their Chemung Canal Trust Company Visa Platinum

While the situations described are real, the names and some locations have been changed for privacy. We would value your comments concerning our work. Please do not give us your last name and try to keep the information in your private information quite nonspecific. It is the overall topic that others relate to and we appreciate your comments. When you send your comments, it will be reviewed within 24 hours and you will be notified if they are used.

Past Applications

Application from: Victoria**

City: Macon
State: Ga
Credit Rating (FICO): 512
Profession: Profession not given
Amount Requested: $2000
Age: Age not given
Current Debt: 3,000
Yearly Income: Income Not Specified
Zip Code: 31204


Hi Victoria,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 512, we are limited on the lenders we can recommend. America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we sent you can help with your request of $2,000.00 for a personal loan. Our one lender offers a $5,000.00 limit and may help you up to that amount. See our page under bad credit loans and you can apply there. Good luck

Reply to: Victoria**

Application from: Yassir

City: Hugoton
State: Kansas
Credit Rating (FICO): 477
Profession: mechanical drafter
Amount Requested: $69000
Age: 23
Current Debt: 39,000
Yearly Income: 29,000
Zip Code: 67951


My Fico score is terrible and I cannot get a loan anywhere. I owe $27,000.00. i would like to know of a company that can help me and deal with the credit card companies calling all the time. I live in Hugoton, Kansas and work at mechanical drafter if that makes any difference. i've have had problems with gambling and now I'm in trouble?

Reply to: Yassir

Application from: Cleve

City: Thomasville
State: Georgia
Credit Rating (FICO): 405
Profession: alumni relations coordinator
Amount Requested: $48000
Age: 18
Current Debt: 26,000
Yearly Income: 18,000
Zip Code: 31792


bought some christmas presents with a direct loan given by Commercial Bank, now I have to pay $355 every month - need to borrow $48000 from the very same lender - Commercial Bank, and they are in Thomasville, Georgia. help me !

Reply to: Cleve

Application from: Steven R*

City: Wesley chapel
State: FL - Florida
Credit Rating (FICO): 512
Profession: Handyman
Amount Requested: $500.00
Age: 35
Current Debt: Im not sure
Yearly Income: 25000
Zip Code: 33545

Message:Hi Steven, We sent you a couple of options. You will need information on your current debt to apply.

Reply to: Steven R*

Application from: Tyla

City: Hampton
State: Virginia
Credit Rating (FICO): 512
Profession: Profession not given
Amount Requested: $1500
Age: Age not given
Current Debt: 500
Yearly Income: Income Not Specified
Zip Code: 23666


Reply to: Tyla

Application from: Ivelis

City: Hillsboro
State: Illinois
Credit Rating (FICO): 654
Profession: insurance estate planner
Amount Requested: $16000
Age: 19
Current Debt: 15,000
Yearly Income: 51,000
Zip Code: 62049


i have not been paying attention to my finances and I really need to fix this. i need to bring together all of my debt that I am making right now into one payment that will allow me to take care of my financial responsibilities and allow me to start saving money for my future. I would greatly appreciate help to turn my financial future around while still being accountable for the funds that i have received. Thank you,

Reply to: Ivelis

Application from: Dai

City: Wonewoc
State: Wisconsin
Credit Rating (FICO): 411
Profession: audiovisual production specialist
Amount Requested: $69000
Age: 47
Current Debt: 60,000
Yearly Income: 61,000
Zip Code: 53968


We are located in Wonewoc Wisconsin and require an medical procedure not covered by my insurance company. I am trained in the field of audiovisual production specialist and attended South Piedmont Community College. My current income is $75,000.00 per year and need a unsecured loan in the amount of $80,000.00. I need the loan for 56 months. will you send me information on loans with an APR lower than 6%.

Reply to: Dai

Application from: Angela**

State: Maryland
Credit Rating (FICO): 512
Profession: Profession not given
Amount Requested: $6000
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 21144

Message:>Hi Angela, You have not provided us enough information to help you. Please reapply and complete the information.

Reply to: Angela**

Application from: Cassandra*

City: Rocky Mount
State: North Carolina
Credit Rating (FICO): 512
Profession: supervisor
Amount Requested: $1200
Age: 46
Current Debt:
Yearly Income: 20000
Zip Code: 27803

Message:please can you help

Reply to: Cassandra*

Application from: Carl

City: Warren
State: Michigan
Credit Rating (FICO): 546
Profession: Pipe layer construction
Amount Requested: $4250
Age: 36
Current Debt: Medical $846.00
Yearly Income: 42000
Zip Code: 48091

Message:I have applied for credit cards and keep getting denied. I first applied for credit cards cause I thought if I did that I could pay off a few bills and just pay the credit card bill. So without knowing that appliying a bunch of times to different card companies that it would have a hard pull ots dragged my score down big time. Back in June of this year. I applied to get a car loan. I was approved since then my transunion, ecperian

Reply to: Carl

Gerald Proctor

August 6th, 2018

Hi Carl, You are absolutely right. If you apply for a credit card, they do a hard pull. This also applies to personal loans, but not to mortgages or auto loans. The credit bureaus have a grace period of 30 days for shopping for a loan. You will need to apply for a secured credit card now and rebuild your credit score. Click on the credit card link at the top of the page and scroll down to secured credit cards. This will start the process of rebuilding your credit score and if you make all of your payments on time, credit card companies convert secured credit cards to standard cards over time and it helps improve your credit score.

Application from: Bill*

City: Warren
State: Michigan
Credit Rating (FICO): 546
Profession: contractor
Amount Requested: $4250
Age: 36
Current Debt: Medical $846.00
Yearly Income: 42000
Zip Code: 48091

Message:Good evening!! Long long story, not so short. Years ago my father stole my ss# I found out when I went to do my taxes. Then one day all these creditors came after me. I filled my police report and sent it to the IRS. In which they sent me an IEP number. I get a new one every yr. I have 3 kids and a girlfriend that I would like to marry. We've been together 15 yrs and we just could never afford to do so. Never had the money to do so. Back in June after getting all the creditors off me and getting our own bank account with Huntington, I got a car thru credit acceptance. When I got the car my TransUnion was a 516 and Equifax was a 518.. Now trans is 546 and Equifax is 618. I've been saving money for the last yr to get married. July 5th our modular home caught fire. The money I had saved up went to get a new home for my girlfriend and our 3 kids. Since then I had to take time off work to get things in order. Im now back to work but am struggling to get my finances back in order and finish paying off wedding. My rent is due along with car payment. This $4250 will be like hitting the restart button for my family and I. We need help I need help. I don't want to fail and have been thru way to much and have gotten to far to fall back down again. I just applied thru my bank for a loan. I've been told no so many times that its just expected now. Where and who if anyone can help me obtain this loan. I've been with the same job for yrs now. I just need someone to really take the time to look at my finances and look at report to see that only thing on there as of now is one medical bill for $846.00 and a few to many hard credit pulls for credit cards. I did do a few of them myself but alot were done by my so called dad who is now in prison for sonething else. Thanks and have a great day!!

Reply to: Bill*

Gerald Proctor

August 6th, 2018

Hi Bill, If you go up to the top of this page, select bad credit. Try badcreditloans, they offer $5,000 loans. If you have security in a vehicle or property, go to personal loans tab and open up auto loans or secured loans. Select auto loan refinance or home loan equity.

Application from: cecilia R*

State: AZ
Credit Rating (FICO): 580
Profession: Medical biller and coder
Amount Requested: $6000.00
Age: 44
Current Debt:
Yearly Income: 50000
Zip Code: 86404

Message:Hi Cecilia, This company's loan offers are up to $5,000.¬e={SUBID}&atrk={CLICK_ID}

Reply to: cecilia R*

Apply now

Please fill in the following form to apply with us. Please only give your first name Your personal information will not be shared... ever!