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Secured Loan Of $4000 For Good Credit Iowa Resident

$4000 Secured Loan – Council Bluffs Iowa, Credit Score Of 619

  • Experian: 638 – This individual had a good Experian rating
  • Transunion: 605 – Tatyana had a good credit score with Transunion.
  • Equifax: Tatyana’s Experian score was 619, which is a good credit score on the Experian system.

Installment loan for Tatyana, a graduate of University of South Florida and a soil scientist working for over $73,000 per year

Tatyana, an alumnus at University of South Florida and a soil scientist in Council Bluffs, Iowa needs a secured loan to purchase a car. Tatyana has instead decided to obtain an installment loan for $18,000 and is currently seeking lenders like Buffalo Savings Bank to process their request.

Tatyana’s Transunion score was changed by the secured loan loan, changing to 605 from 619, which is normal in our experience.

Transunion Score: 605

Several past requests for credit have been made by Tatyana in the past, including one from East Penn Bank in Council Bluffs, Iowa before Tatyana was approved for the $4000 by First Federal Savings and Loan Association of Council Bluffs

Tatyana made 9 previous tries to obtain a secured loan, 2 of which were with East Penn Bank, a lender in Council Bluffs, Iowa known to specialize in secured loans specifically. Before finding First Federal Savings and Loan Association of Council Bluffs, Tatyana was very concerned due to their inexperience and good credit rating.

Tatyana has a very low current yearly income, but has a large amount of prospects

Tatyana has always wanted to be a court administrator, but would have to attend University of South Florida again to become one. Tatyana has other prospects as well, including materials inspector, child care worker, and dermatologist, which pay $53,000 through to $96,000 per year, at least. For this reason, we believe that Tatyana can pay for this secured loan of $4000.

Tatyana was rejected by Oakland Savings Bank 4 times prior to being accepted by First Federal Savings and Loan Association of Council Bluffs at 421 West Broadway

On March 26, 2010, Tatyana inquired about borrowing $14,000 from Rippey Savings Bank with Darcel, their in law from just outside Council Bluffs, and even with the co-signer, Tatyana was rejected for this secured loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.

Previous requests on Tatyana’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$66390.00 5 11.7% $1466.76 Mills County Bank National Association January 27, 2010
$66200.00 6 8.6% $1180.19 Postville State Bank June 16, 2011
$66180.00 9 8.7% $885.78 Washington State Bank May 25, 2014
$66260.00 5 10.6% $1427.47 Rippey Savings Bank April 24, 2015

Personal Loan for a soil scientist named Tatyana in Council Bluffs, Iowa to Pay Off True Value Discover Card

Tatyana had a tonne of credit card debt on their Associated Bank Visa Business Bonus Rewards PLUS Card and their Dress Barn Credit Card, and they were starting to get in over their heads. Despite Tatyana’s job as a soil scientist, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $36,000.00 to $48,000.00. They are normally used to pay off existing high interest loans like credit cards. Tatyana needed a debt consolidation loan to pay for their existing secured loan and their credit card. Tatyana was able to find a secured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.1%.

Client Profile: Tatyana Zieba of Council Bluffs, Iowa
  • Full name (Changed if requested): Tatyana Zieba
  • Current Credit: loans.hit.utils.Fico@506e1b77
  • Current City: Council Bluffs
  • State: Iowa
  • Zip code: 51505
  • Yearly income: $59,000
  • Current Job: soil scientist
  • Current County: Pottawattamie
  • Goal Yearly Income: $92,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Signature Loan acquired in Council Bluffs, Iowa for $4000 with good credit by Tatyana

Most clients struggle with finding signature loans in Council Bluffs, Iowa, and Tatyana is no exception. Tatyana went to 4 lenders or more prior to settling on First Federal Savings and Loan Association of Council Bluffs, who offered Tatyana a signature loan for $4000. Typical signature loans simply need a client, like Tatyana’s signature to get them, up to $35,000 in some cases. Tatyana was able to get $4000 as a secured loan, which is very high for a secured loan. Because signature loans don’t require collateral, they tend to require better credit, as high as 722

Tatyana’s Overall FICO score at the time of acceptance for a secured loan, taking into account their soil scientist job and their future career as a court administrator

Fico Score: 619

Contact Details for First Federal Savings and Loan Association of Council Bluffs, the provider of this secured loan

  • First Federal Savings and Loan Association of Council Bluffs
  • City: Council Bluffs
  • State: Iowa
  • Address: 421 West Broadway
  • County: Pottawattamie
  • Zip code: 51501

8 Months Ago, Tatyana Tried to Find a High Risk Loan for $44,000.00, and it was Hard

There is an existing struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Tatyana. Tatyana chose not to obtain a high risk loan this time. High Risk loans are given to bad credit individuals. Clients with credit scores as low as 598 can apply for a high risk loan and have a chance to be accepted.

Before applying for this secured loan, Tatyana had an Experian score of 638, which is good, so First Federal Savings and Loan Association of Council Bluffs most likely cannot provide Tatyana a secured loan

Experian Score: 638

When Tatyana was 23, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit score. Below is a list of Tatyana’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on September 14, 2011
  • Attempt 2) Loan for $32,000.00 on May 31, 2012
  • Attempt 3) Loan for $29,000.00 on December 25, 2009
  • Attempt 4) Loan for $25,000.00 on May 22, 2009
  • Attempt 5) Loan for $22,000.00 on May 18, 2012

Paraphrased and Standardized Quote from Tatyana for this secured loan of $4000, provided by First Federal Savings and Loan Association of Council Bluffs

Hi, I am Tatyana and my hometown is Council Bluffs in Iowa. Pottawattamie, county is where I grew up, and now I need a secured loan in Iowa for $4000 to buy a big ticket item. It has been difficult, but First Federal Savings and Loan Association of Council Bluffs really came through for me with this loan for 6.4% interest APR and a term of 14 years. I will repay the loan over the 14 year term, including interest. A big thanks to First Federal Savings and Loan Association of Council Bluffs for giving me a chance and my good credit. It look me 4 years to build my credit to 619, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.

Fast Loans for Tatyana in Council Bluffs, Iowa to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Council Bluffs, Iowa aren’t actually that difficult to obtain, particularly if you have some gumption like Tatyana. Tatyana was able to find a fast loan for $4000 from Iowa State Bank and First State Bank of Mapleton, but declined both offers in favor of their secured loan from First Federal Savings and Loan Association of Council Bluffs. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better in the case that you are in a time sensitive situation.

Conclusion of Tatyana’s secured loan

In the end, Tatyana was able to find a secured loan for $4000 with an interest rate of 7.6% interest APR from First Federal Savings and Loan Association of Council Bluffs in Council Bluffs, Iowa repayable over 14 years from today.

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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