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Low Rate Secured Loan For Delois In Chanute, Kansas

$64000 Secured Loan – Chanute Kansas, Credit Rating Of 778

  • Experian: 794 – The client had an excellent Experian score
  • Transunion: 766 – Delois had an excellent credit rating with Transunion.
  • Equifax: Delois’s Experian score was 778, which is an excellent credit rating with the Experian system.

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $22,000.00 to $48,000.00. They are mainly used to pay off existing high interest loans like credit cards. Delois needed a debt consolidation loan to pay for their existing secured loan and their payday loan. Delois was able to find a secured loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.3%.

Previous requests on Delois’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$101160.00 5 8.2% $2060.86 Citizens Bank and Trust Company November 9, 2009
$101480.00 4 5.6% $2364.69 The Morrill and Janes Bank and Trust Company December 20, 2013
$100600.00 5 5.2% $1907.68 The Citizens State Bank, Liberal, Kansas December 12, 2014
$101420.00 5 6.4% $1979.65 Citizens State Bank June 12, 2015
$101390.00 5 8.3% $2070.41 The Peoples Bank July 27, 2015

Paraphrased and Standardized Quote from Delois for this secured loan of $64000, provided by Community National Bank & Trust

Hi, I am Delois and my hometown is Chanute in Kansas. Neosho, county is where I grew up, and now I need a secured loan in Kansas for $64000 to buy a big ticket item. It wasn’t easy, but Community National Bank & Trust really came through for me with this loan for 10.5% interest APR and a term of 18 years. I will repay the loan over the 18 year term, including interest. A big thanks to Community National Bank & Trust for giving me a chance and my excellent credit. It look me 6 years to build my credit to 778, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

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

Fast loans in Chanute, Kansas aren’t actually that difficult to obtain, particularly if you have some gumption like Delois. Delois was able to find a fast loan for $64000 from First Kansas Bank and Trust Company and The Fidelity State Bank, but declined both offers in favor of their secured loan from Community National Bank & Trust. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement if a client is in a time sensitive situation.

Delois was declined by The Farmers and Merchants State Bank 5 times prior to being approved by Community National Bank & Trust at 14 North Lincoln Avenue

On April 20, 2009, Delois inquired about borrowing $45,000 from Bank IV Kansas City, National Association with Scotty, their friend from just outside Chanute, and even with the co-signer, Delois was rejected for this secured loan. With excellent credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Delois has a sad current total income, but has a large amount of prospects

Delois has always wanted to be a solar energy systems designer, but would have to attend University of Phoenix again to achieve it. Delois has other prospects as well, including video engineer, high school teacher, and physician’s assistant, which pay $57,000 through to $91,000 per year, on average. Because of this, we believe that Delois can afford this secured loan of $64000.

Installment loan for Delois, a graduate of University of Phoenix and a financial aid counselor working for over $70,000 per year

Delois, an alumnus at University of Phoenix and a financial aid counselor in Chanute, Kansas wants a secured loan to purchase a new cell phone. Delois has instead decided to obtain an installment loan for $10,000 and is currently seeking lenders like The Mission State Bank & Trust Company to provide it.

Before applying for this secured loan, Delois had an Experian score of 794, which is excellent, so Community National Bank & Trust most likely can provide Delois a secured loan

Experian Score: 794

Client Profile: Delois Bulgarella of Chanute, Kansas
  • Full name (Changed if requested): Delois Bulgarella
  • Current Credit: loans.hit.utils.Fico@4fca772d
  • Current City: Chanute
  • State: Kansas
  • Zip code: 66725
  • Yearly income: $54,000
  • Current Job: financial aid counselor
  • Current County: Neosho
  • Goal Yearly Income: $130,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Delois’s Overall FICO score at the time of acceptance for a secured loan, taking into account their financial aid counselor job and their future career as a solar energy systems designer

Fico Score: 778

Contact Details for Community National Bank & Trust, the provider of this secured loan

  • Community National Bank & Trust
  • City: Chanute
  • State: Kansas
  • Address: 14 North Lincoln Avenue
  • County: Neosho
  • Zip code: 66720

Personal Loan for a financial aid counselor named Delois in Chanute, Kansas to Pay Off Sunoco Rewards Card

Delois had a tonne of credit card debt on their HAS Advantage Visa Signature Card and their RBC Visa Cash Back Card, and they were starting to get in over their heads. Despite Delois’s job as a financial aid counselor, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Delois was 24, they attempted to obtain a student loan from 7 different lenders, which damaged their credit rating. Below is a chronology of Delois’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on March 20, 2012
  • Attempt 2) Loan for $31,000.00 on November 5, 2011
  • Attempt 3) Loan for $38,000.00 on June 5, 2009
  • Attempt 4) Loan for $28,000.00 on November 21, 2012
  • Attempt 5) Loan for $34,000.00 on November 23, 2008
  • Attempt 6) Loan for $36,000.00 on March 16, 2010
  • Attempt 7) Loan for $29,000.00 on January 20, 2012

Several other requests for credit have been made by Delois in the past, including one from First City Bank of Highland Village in Chanute, Kansas before Delois was accepted for the $64000 by Community National Bank & Trust

Delois made 4 previous attempts to obtain a secured loan, 2 of which were with First City Bank of Highland Village, a lending institution in Chanute, Kansas known to specialize in secured loans specifically. Prior to finding Community National Bank & Trust, Delois was very concerned due to their inexperience and excellent credit score.

7 Months Ago, Delois Tried to Find a High Risk Loan for $26,000.00, and it was Hard

There is an well known struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Delois. Delois chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Individuals with credit ratings as low as 465 can inquire for a high risk loan and may be be approved.

Signature Loan found in Chanute, Kansas for $64000 with excellent credit by Delois

Many prospective borrowers have difficulty with obtaining signature loans in Chanute, Kansas, and Delois is no exception. Delois went to 6 lenders or more before finding Community National Bank & Trust, who offered Delois a signature loan for $64000. Most signature loans simply require a client, like Delois’s signature to obtain them, up to $47,000 in some cases. Delois was able to get $64000 as a secured loan, which is very high for a secured loan. Since signature loans don’t require collateral, they generally require better credit, as high as 785

Delois’s Transunion score was changed by the secured loan loan, changing to 766 from 778, which is normal in our experience.

Transunion Score: 766

Conclusion of Delois’s secured loan

In the end, Delois was able to find a secured loan for $64000 with an interest rate of 11.8% interest APR from Community National Bank & Trust in Chanute, Kansas repayable over 18 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.