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Emergency Loan With Very Low APR In Douglas County, Kansas

$46000 Emergency Loan – Eudora Kansas, Credit Score Of 320

  • Experian: 337 – This client had a terrible Experian rating
  • Transunion: 302 – Sherly had a terrible credit score with Transunion.
  • Equifax: Sherly’s Experian score was 320, which is a terrible credit rating on the Experian scale.

Before applying for this emergency loan, Sherly had an Experian score of 337, which is terrible, so Kaw Valley State Bank probably cannot provide Sherly an emergency loan

Experian Score: 337

9 Months Ago, Sherly Attempted to Find a High Risk Loan for $49,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for borrowers to find 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 Sherly. Sherly decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Clients with credit ratings as low as 407 can apply for a high risk loan and may be be accepted.

Contact Details for Kaw Valley State Bank, the provider of this emergency loan

  • Kaw Valley State Bank
  • City: Eudora
  • State: Kansas
  • Address: 737 Main Street
  • County: Douglas
  • Zip code: 66025

Sherly’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their public relations manager job and their future career as an education professor

Fico Score: 320

Paraphrased and Standardized Quote from Sherly for this emergency loan of $46000, provided by Kaw Valley State Bank

Hello, I am Sherly and I’m from Eudora in Kansas. Douglas, county is where I grew up, and now I need a emergency loan in Kansas for $46000 to buy a car. It has been difficult, but Kaw Valley State Bank really came through for me with this loan for 6.7% interest APR and a term of 21 years. I can probably repay the loan over the 21 year term, including interest. A big thanks to Kaw Valley State Bank for giving me a chance and my terrible credit. It look me 6 years to build my credit to 320, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

When Sherly was 23, they tried to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a chronology of Sherly’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on March 27, 2014
  • Attempt 2) Loan for $39,000.00 on November 2, 2008
  • Attempt 3) Loan for $32,000.00 on July 21, 2009
  • Attempt 4) Loan for $22,000.00 on December 11, 2008

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $22,000.00 to $58,000.00. They are typically used to pay off existing high interest loans like credit cards. Sherly required a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Sherly was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.5%.

Several past requests for credit have been made by Sherly in the past, including one from Local Oklahoma Bank in Eudora, Kansas before Sherly was approved for the $46000 by Kaw Valley State Bank

Sherly made 5 prior attempts to obtain an emergency loan, 2 of which were with Local Oklahoma Bank, a lender in Eudora, Kansas known to specialize in emergency loans specifically. Prior to finding Kaw Valley State Bank, Sherly was concerned due to their inexperience and terrible credit rating.

Installment loan for Sherly, a graduate of Santa Fe Community College and a public relations manager working for over $72,000 per year

Sherly, an alumnus at Santa Fe Community College and a public relations manager in Eudora, Kansas needs an emergency loan to purchase a car. Sherly has instead decided to get an installment loan for $17,000 and is at present seeking lenders like The Victory State Bank to provide it.

Previous requests on Sherly’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$146270.00 3 10.8% $4774.85 Citizens Bank and Trust Company March 18, 2012
$145580.00 8 8.7% $2110.19 The Morrill and Janes Bank and Trust Company March 7, 2014
$145880.00 10 8.4% $1800.91 The Citizens State Bank, Liberal, Kansas December 1, 2014
$146220.00 9 9.2% $1995.78 Citizens State Bank May 5, 2015
$146100.00 10 6.2% $1636.72 The Peoples Bank July 26, 2015

Fast Loans for Sherly in Eudora, Kansas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Eudora, Kansas aren’t actually that difficult to obtain, especially if you have some finesse like Sherly. Sherly was able to find a fast loan for $46000 from Pinnacle Bank, National Association and The American State Bank, but declined both offers in favor of their emergency loan from Kaw Valley State Bank. 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 6 weeks for personal loans. A big difference in the case that a borrower is in a pinch.

Sherly’s Transunion score was changed by the emergency loan loan, changing to 302 from 320, which is typical in our experience.

Transunion Score: 302

Signature Loan easily acquired in Eudora, Kansas for $46000 with terrible credit by Sherly

A lot of clients struggle with obtaining signature loans in Eudora, Kansas, and Sherly is no exception. Sherly went to 6 lending institutions or more before settling on Kaw Valley State Bank, who offered Sherly a signature loan for $46000. Most signature loans simply need a client, like Sherly’s signature to get them, up to $20,000 in some cases. Sherly was able to get $46000 as a emergency loan, which is very high for an emergency loan. Since signature loans do not need a cosigner, they generally require higher credit, as high as 719

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

Sherly has always wanted to be an education professor, but would have to attend Santa Fe Community College again to achieve it. Sherly has other prospects as well, including insurance adjuster, clinical sociologist, and insurance agent, which pay $59,000 through to $102,000 per year, at least. Because of this, we think that Sherly can pay for this emergency loan of $46000.

Personal Loan for a public relations manager named Sherly in Eudora, Kansas to Pay Off Great Southern Bank Visa Platinum

Sherly had a lot of credit card debt on their Saratoga’s Community FCU Business Visa and their Canandaigua National Bank & Trust Platinum Edition Visa Card, and they were starting to get in over their heads. Despite Sherly’s job as a public relations manager, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Sherly Medick of Eudora, Kansas
  • Full name (Changed if requested): Sherly Medick
  • Current Credit: loans.hit.utils.Fico@7530d0a
  • Current City: Eudora
  • State: Kansas
  • Zip code: 66027
  • Yearly income: $45,000
  • Current Job: public relations manager
  • Current County: Douglas
  • Goal Yearly Income: $115,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Sherly was rejected by The Union State Bank 7 times before being approved by Kaw Valley State Bank at 737 Main Street

On February 7, 2011, Sherly applied about borrowing $36,000 from The Farmers and Merchants State Bank with Reda, their in law from just outside Eudora, and even with the co-signer, Sherly was rejected for this emergency loan. With terrible credit, it can be difficult to procure funding, even with collateral and a co-signer.

Conclusion of Sherly’s emergency loan

In the end, Sherly was able to find an emergency loan for $46000 with an interest rate of 7.4% interest APR from Kaw Valley State Bank in Eudora, Kansas repayable over 21 years from now.

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.