$12000 Fast Loan – Missoula Montana, Credit Score Of 633
- Experian: 646 – The client had a good Experian score
- Transunion: 619 – Toney had a good credit rating with Transunion.
- Equifax: Toney’s Experian score was 633, which is a good credit rating with the Experian scale.
Toney was not approved by Farmers State Bank 7 times before being approved by Western Security Bank at 100 East Broadway
On May 10, 2012, Toney inquired about borrowing $38,000 from Bank of Montana Shelby with Keva, their in law from just outside Missoula, and even with the co-signer, Toney was rejected for this fast loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.
When Toney was 24, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a chronology of Toney’s previous attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on August 5, 2010
- Attempt 2) Loan for $30,000.00 on November 22, 2009
- Attempt 3) Loan for $23,000.00 on August 28, 2012
- Attempt 4) Loan for $38,000.00 on December 1, 2009
Installment loan for Toney, a graduate of Indiana Wesleyan University and a technical illustrator working for over $72,000 per year
Toney, an alumnus at Indiana Wesleyan University and a technical illustrator in Missoula, Montana wants a fast loan to purchase a house. Toney has instead decided to obtain an installment loan for $15,000 and is at present seeking lenders like First Interstate Bank to process their request.
Personal Loan for a technical illustrator named Toney in Missoula, Montana to Pay Off L.L. Bean Visa Card
Toney had a lot of credit card debt on their KeyBank Business MasterCard Credit Card and their Eddie Bauer Credit Card, and they were starting to get in over their heads. Despite Toney’s job as a technical illustrator, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
8 Months in the Past, Toney Tried Finding a High Risk Loan for $43,000.00, and it was Easy
There is an ongoing struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Toney. Toney chose not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Clients with credit scores as low as 509 can apply for a high risk loan and have a chance to be accepted.
Before applying for this fast loan, Toney had an Experian score of 646, which is good, so Western Security Bank probably cannot provide Toney a fast loan
Toney’s Overall FICO score at the time of acceptance for a fast loan, taking into account their technical illustrator job and their future job as a human resources management consultant
Toney’s Transunion score was changed by the fast loan loan, changing to 619 from 633, which is normal in our experience.
Previous requests on Toney’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$47310.00||6||5.8%||$779.6||Western Bank of Wolf Point||November 2, 2012|
|$47250.00||4||11.2%||$1225.8||Farmers State Bank||June 27, 2013|
|$47160.00||9||11.6%||$705.49||Bank of Montana Shelby||April 26, 2014|
|$47230.00||8||9.2%||$696.84||Security State Bank, Harlem, Montana||July 11, 2014|
Paraphrased and Standardized Quote from Toney for this fast loan of $12000, provided by Western Security Bank
Hello, I am Toney and my hometown is Missoula in Montana. Missoula, county is where I grew up, and now I need a fast loan in Montana for $12000 to pay bills. It wasn’t easy, but Western Security Bank really came through for me with this loan for 10.3% interest APR and a term of 22 years. I will repay the loan over the 22 year term, including interest. A big thanks to Western Security Bank for trusting me and my good credit. It look me 9 years to create my credit to 633, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.
Toney has a low current gross income, but has several of prospects
Toney has always wanted to be a human resources management consultant, but would have to attend Indiana Wesleyan University again to become one. Toney has other prospects as well, including electronics technician, title examiner, and bank examiner, which pay $54,000 through to $93,000 per year, at least. For this reason, we think that Toney can pay for this fast loan of $12000.
Many previous requests for credit have been made by Toney in the past, including one from The Citizens National Bank of Paris in Missoula, Montana before Toney was accepted for the $12000 by Western Security Bank
Toney made 9 previous tries to obtain a fast loan, 2 of which were with The Citizens National Bank of Paris, a lending institution in Missoula, Montana known to specialize in fast loans specifically. Prior to finding Western Security Bank, Toney was very concerned due to their inexperience and good credit score.
Fast Loans for Toney in Missoula, Montana to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Missoula, Montana aren’t actually that difficult to obtain, particularly if you have some finesse like Toney. Toney was able to find a fast loan for $12000 from First Interstate Bank of Great Falls and Norwest Bank Helena, National Association, but declined both offers in favor of their fast loan from Western Security Bank. 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 7 weeks for debt consolidation loans. An improvement if a client is in a pinch.
- Full name (Changed if requested): Toney Pozzi
- Current Credit: loans.hit.utils.Fico@133314b
- Current City: Missoula
- State: Montana
- Zip code: 59813
- Yearly income: $49,000
- Current Job: technical illustrator
- Current County: Missoula
- Goal Yearly Income: $121,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Contact Details for Western Security Bank, the provider of this fast loan
- Western Security Bank
- City: Missoula
- State: Montana
- Address: 100 East Broadway
- County: Missoula
- Zip code: 59806
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans range from $26,000.00 to $49,000.00. They are typically used to pay off existing high interest loans like credit cards. Toney needed a debt consolidation loan to pay for their existing fast loan and their payday loan. Toney was able to find a fast loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your dirty, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.1%.
Signature Loan easily acquired in Missoula, Montana for $12000 with good credit by Toney
Many clients have difficulty with obtaining signature loans in Missoula, Montana, and Toney is no different. Toney went to 4 lending institutions or more prior to settling on Western Security Bank, who offered Toney a signature loan for $12000. Typical signature loans simply need a client, like Toney’s signature to get them, up to $23,000 in some cases. Toney was able to get $12000 as a fast loan, which is very high for a fast loan. Because signature loans don’t need collateral, they tend to require improved credit, as high as 784
Conclusion of Toney’s fast loan
In the end, Toney was able to find a fast loan for $12000 with an interest rate of 8.6% interest APR from Western Security Bank in Missoula, Montana repayable over 22 years from today.