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Student Loan With Reasonable APR In St. Charles County, Missouri

$10000 Student Loan – St. Peters Missouri, Credit Rating Of 619

  • Experian: 631 – The client had a good Experian rating
  • Transunion: 604 – Billie had a good credit score with Transunion.
  • Equifax: Billie’s Experian score was 619, which is a good credit rating with the Experian scale.

Fast Loans for Billie in St. Peters, Missouri to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in St. Peters, Missouri aren’t actually that difficult to obtain, particularly if you have some finesse like Billie. Billie was able to find a fast loan for $10000 from Jefferson Bank and Trust Company and Cass Commercial Bank, but declined both offers in favor of their student loan from Commerce Bank of St. Charles County, National Association. The improvement with a fast loan over a installment 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 you are in a time sensitive situation.

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

Billie has always wanted to be an aircraft assembler, but would need attend Southern Nazarene University again to achieve it. Billie has other possibilities as well, including telecommunications technician, community health nurse, and school psychologist, which pay $52,000 through to $107,000 per year, on average. Because of this, we think that Billie can afford this student loan of $10000.

Before applying for this student loan, Billie had an Experian score of 631, which is good, so Commerce Bank of St. Charles County, National Association likely cannot provide Billie a student loan

Experian Score: 631

Previous requests on Billie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$16530.00 6 8.1% $290.63 Camden County Bank June 10, 2009
$17440.00 8 10.8% $272.08 Glasgow Savings Bank July 22, 2009
$17480.00 3 5.8% $530.19 Central Bank June 29, 2012
$17460.00 8 5.3% $223.54 Midwest BankCentre April 4, 2014

Personal Loan for a communication equipment mechanic named Billie in St. Peters, Missouri to Pay Off San Francisco Giants BankAmericard Cash Rewards MasterCard

Billie had a lot of credit card debt on their Justice Credit Card and their State Farm Student Visa Credit Card, and they were starting to get in over their heads. Despite Billie’s job as a communication equipment mechanic, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Billie’s Transunion score was altered by the student loan loan, changing to 604 from 619, which is typical in our experience.

Transunion Score: 604

Multiple other requests for credit have been made by Billie in the past, including one from Tidelands Bank in St. Peters, Missouri before Billie was accepted for the $10000 by Commerce Bank of St. Charles County, National Association

Billie made 4 prior attempts to obtain a student loan, 2 of which were with Tidelands Bank, a lending institution in St. Peters, Missouri known to specialize in student loans specifically. Before finding Commerce Bank of St. Charles County, National Association, Billie was concerned due to their inexperience and good credit rating.

Installment loan for Billie, a graduate of Southern Nazarene University and a communication equipment mechanic working for over $73,000 per year

Billie, an alumnus at Southern Nazarene University and a communication equipment mechanic in St. Peters, Missouri needs a student loan to purchase a house. Billie has instead decided to get an installment loan for $8,000 and is currently seeking lenders like Southwest Bank, An M&I Bank to provide it.

When Billie was 18, they tried to obtain a student loan from 4 different banks, which damaged their credit score. Below is a chronology of Billie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on September 18, 2011
  • Attempt 2) Loan for $20,000.00 on May 4, 2013
  • Attempt 3) Loan for $22,000.00 on September 16, 2011
  • Attempt 4) Loan for $31,000.00 on September 8, 2013

Signature Loan found in St. Peters, Missouri for $10000 with good credit by Billie

Many borrowers have difficulty with obtaining signature loans in St. Peters, Missouri, and Billie is the same. Billie went to 6 lending institutions or more before settling on Commerce Bank of St. Charles County, National Association, who offered Billie a signature loan for $10000. Typical signature loans simply require a client, like Billie’s signature to obtain them, up to $21,000 in some cases. Billie was able to get $10000 as a student loan, which is very high for a student loan. Because signature loans do not need a cosigner, these loans generally need better credit, as high as 769

Client Profile: Billie Wemple of St. Peters, Missouri
  • Full name (Changed if requested): Billie Wemple
  • Current Credit: loans.hit.utils.Fico@66a29884
  • Current City: St. Peters
  • State: Missouri
  • Zip code: 63377
  • Yearly income: $33,000
  • Current Job: communication equipment mechanic
  • Current County: St. Charles
  • Goal Yearly Income: $86,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Paraphrased and Standardized Quote from Billie for this student loan of $10000, provided by Commerce Bank of St. Charles County, National Association

Hello, I am Billie and I am from St. Peters in Missouri. St. Charles, county is where I grew up, and now I need a student loan in Missouri for $10000 to avoid bankruptcy. It has been difficult, but Commerce Bank of St. Charles County, National Association really came through for me with this loan for 7.3% interest APR and a term of 22 years. I can probably repay the loan over the 22 year term, including interest. A big thanks to Commerce Bank of St. Charles County, National Association for trusting me and my good credit. It look me 9 years to create my credit to 619, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

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

Normal debt consolidation loans range from $32,000.00 to $54,000.00. They are normally used to pay off existing high interest loans like credit cards. Billie required a debt consolidation loan to pay for their existing student loan and their loan shark loan. Billie was able to find a student loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.5%.

Billie was not approved by Glasgow Savings Bank 5 times before being accepted by Commerce Bank of St. Charles County, National Association at 435 Mid Rivers Mall Drive

On November 7, 2012, Billie inquired about borrowing $37,000 from Mercantile Bank of West Central Missouri with Aaron, their friend from just outside St. Peters, and even with the co-signer, Billie was rejected for this student loan. With good credit, it can be very hard to procure funding, even with collateral and a co-signer.

7 Months Ago, Billie Attempted Finding a High Risk Loan for $23,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Billie. Billie chose not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Clients with credit scores as low as 484 can apply for a high risk loan and have a chance to be approved.

Contact Details for Commerce Bank of St. Charles County, National Association, the provider of this student loan

  • Commerce Bank of St. Charles County, National Association
  • City: St. Peters
  • State: Missouri
  • Address: 435 Mid Rivers Mall Drive
  • County: St. Charles
  • Zip code: 63376

Billie’s Overall FICO score at the time of acceptance for a student loan, taking into account their communication equipment mechanic job and their future job as an aircraft assembler

Fico Score: 619

Conclusion of Billie’s student loan

In the end, Billie was able to find a student loan for $10000 with an interest rate of 9.2% interest APR from Commerce Bank of St. Charles County, National Association in St. Peters, Missouri repayable over 22 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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