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Fast Loan With Low APR In Iowa County, Iowa

$60000 Fast Loan – Victor Iowa, Credit Rating Of 322

  • Experian: 340 – This individual had a terrible Experian score
  • Transunion: 308 – Rutha had a terrible credit score with Transunion.
  • Equifax: Rutha’s Experian score was 322, which is a terrible credit score with the Experian system.

6 Months in the Past, Rutha Tried Finding a High Risk Loan for $23,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Rutha. Rutha decided not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Borrowers with credit scores as low as 511 can apply for a high risk loan and possibly can be accepted.

When Rutha was 22, they attempted to obtain a student loan from 4 different lenders, which damaged their credit rating. Below is a list of Rutha’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on September 11, 2011
  • Attempt 2) Loan for $38,000.00 on January 4, 2010
  • Attempt 3) Loan for $27,000.00 on May 18, 2009
  • Attempt 4) Loan for $20,000.00 on January 24, 2009

Signature Loan found in Victor, Iowa for $60000 with terrible credit by Rutha

Most borrowers struggle with obtaining signature loans in Victor, Iowa, and Rutha is not an exception. Rutha went to 7 lending institutions or more prior to settling on Victor State Bank, who offered Rutha a signature loan for $60000. Typical signature loans simply need a client, like Rutha’s signature to get them, up to $48,000 in some cases. Rutha was able to get $60000 as a fast loan, which is very high for a fast loan. Since signature loans do not need collateral, these loans tend to require higher credit, as high as 704

Paraphrased and Standardized Quote from Rutha for this fast loan of $60000, provided by Victor State Bank

Hi, I am Rutha and I am from Victor in Iowa. Iowa, county is where I grew up, and now I need a fast loan in Iowa for $60000 to buy a big ticket item. It has been difficult, but Victor State Bank really came through for me with this loan for 10.1% interest APR and a term of 5 years. I can probably repay the loan over the 5 year term, including interest. A big thanks to Victor State Bank for giving me a chance and my terrible credit. It look me 7 years to build my credit to 322, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Installment loan for Rutha, a graduate of Carondelet St. Mary’s Hospital and a bulldozer / grader operator working for over $69,000 per year

Rutha, an alumnus at Carondelet St. Mary’s Hospital and a bulldozer / grader operator in Victor, Iowa needs a fast loan to purchase a car. Rutha has instead chosen to obtain an installment loan for $21,000 and is at present seeking lenders like Security State Bank to process their request.

Contact Details for Victor State Bank, the provider of this fast loan

  • Victor State Bank
  • City: Victor
  • State: Iowa
  • Address: 201 Washington Street
  • County: Iowa
  • Zip code: 52347

Rutha’s Overall FICO score at the time of acceptance for a fast loan, taking into account their bulldozer / grader operator job and their future career as a foreign language translator

Fico Score: 322

Personal Loan for a bulldozer / grader operator named Rutha in Victor, Iowa to Pay Off Ralphs rewards plus Visa Card

Rutha had a lot of credit card debt on their BBVA Compass Visa Platinum and their CFCU Business Visa, and they were starting to get in over their heads. Despite Rutha’s job as a bulldozer / grader operator, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Rutha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$38280.00 6 6.7% $647.14 Mills County Bank National Association May 17, 2013
$37530.00 6 5.4% $611.41 Postville State Bank January 19, 2014
$37750.00 5 9.6% $794.67 Washington State Bank February 11, 2014
$37680.00 6 7.6% $653.32 Rippey Savings Bank December 26, 2014

Fast Loans for Rutha in Victor, Iowa to prevent bankruptcy or harm from debt collectors.

Fast loans in Victor, Iowa aren’t actually that difficult to obtain, especially if you have some finesse like Rutha. Rutha was able to find a fast loan for $60000 from Manson State Bank and West Side State Savings Bank, but turned down both offers in favor of their fast loan from Victor State Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement in the case that a client is in a time sensitive situation.

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $31,000.00 to $42,000.00. They are mainly used to pay off existing high interest loans like credit cards. Rutha required a debt consolidation loan to pay for their existing fast loan and their credit card. Rutha was able to find a fast loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 2.6%.

Client Profile: Rutha Agtarap of Victor, Iowa
  • Full name (Changed if requested): Rutha Agtarap
  • Current Credit: loans.hit.utils.Fico@2dda6444
  • Current City: Victor
  • State: Iowa
  • Zip code: 52351
  • Yearly income: $39,000
  • Current Job: bulldozer / grader operator
  • Current County: Iowa
  • Goal Yearly Income: $141,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Rutha was not approved by Community Bank 5 times prior to being approved by Victor State Bank at 201 Washington Street

On October 30, 2009, Rutha applied about borrowing $42,000 from Security State Bank with Paige, their friend from just outside Victor, and even with the co-signer, Rutha was rejected for this fast loan. With terrible credit, it can be challenging to procure financing, even with collateral and a co-signer.

Rutha’s Transunion score was altered by the fast loan loan, changing to 308 from 322, which is typical in our experience.

Transunion Score: 308

Before applying for this fast loan, Rutha had an Experian score of 340, which is terrible, so Victor State Bank likely cannot provide Rutha a fast loan

Experian Score: 340

Many other requests for credit have been made by Rutha in the past, including one from First Federal Savings and Loan Association of Pickens County in Victor, Iowa before Rutha was accepted for the $60000 by Victor State Bank

Rutha made 9 previous tries to obtain a fast loan, 2 of which were with First Federal Savings and Loan Association of Pickens County, a lending institution in Victor, Iowa known to specialize in fast loans specifically. Prior to finding Victor State Bank, Rutha was very concerned due to their inexperience and terrible credit score.

Rutha has a disappointing current total income, but has several of prospects

Rutha has always wanted to be a foreign language translator, but would have to attend Carondelet St. Mary’s Hospital again to become one. Rutha has other possibilities as well, including industrial air pollution analyst, elementary school administrator, and ordinary seamen, which pay $58,000 through to $96,000 per year, at least. For this reason, we believe that Rutha can pay for this fast loan of $60000.

Conclusion of Rutha’s fast loan

In the end, Rutha was able to find a fast loan for $60000 with an interest rate of 7.0% interest APR from Victor State Bank in Victor, Iowa repayable over 5 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.