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Unsecured Loan With Low APR In Marion County, Kansas

$96000 Unsecured Loan – Burns Kansas, Credit Score Of 579

  • Experian: 591 – The client had a fair Experian score
  • Transunion: 562 – Kum had a fair credit score with Transunion.
  • Equifax: Kum’s Experian score was 579, which is a fair credit rating using the Experian system.

Previous requests on Kum’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$32220.00 3 11.4% $1060.96 Citizens Bank and Trust Company March 9, 2012
$32400.00 9 11.5% $482.88 The Morrill and Janes Bank and Trust Company September 23, 2012
$31820.00 8 11.7% $511.93 The Citizens State Bank, Liberal, Kansas October 8, 2012
$31600.00 8 8.7% $458.04 Citizens State Bank June 12, 2013
$31620.00 7 11.1% $543.08 The Peoples Bank September 29, 2013

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $22,000.00 to $57,000.00. They are typically used to pay off existing high interest loans like credit cards. Kum needed a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Kum was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.1%.

Fast Loans for Kum in Burns, Kansas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Burns, Kansas aren’t actually that difficult to obtain, especially if you have some gumption like Kum. Kum was able to find a fast loan for $96000 from The State Bank and Heartland Bank, but declined both offers in favor of their unsecured loan from Burns State Bank. 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 debt consolidation loans. Much better if you are in a pinch.

Installment loan for Kum, a graduate of University of Rhode Island and an art appraiser working for over $74,000 per year

Kum, an alumnus at University of Rhode Island and an art appraiser in Burns, Kansas needs an unsecured loan to purchase a car. Kum has instead decided to get an installment loan for $8,000 and is at present seeking lenders like Heartland Bank to provide it.

Kum’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their art appraiser job and their future job as a photoengravers

Fico Score: 579

Paraphrased and Standardized Quote from Kum for this unsecured loan of $96000, provided by Burns State Bank

Hi, I am Kum and I’m from Burns in Kansas. Marion, county is where I grew up, and now I need a unsecured loan in Kansas for $96000 to buy a car. It wasn’t easy, but Burns State Bank really came through for me with this loan for 8.7% interest APR and a term of 16 years. I can repay the loan over the 16 year term, including interest. A big thanks to Burns State Bank for giving me a chance and my fair credit. It look me 7 years to create my credit to 579, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

Personal Loan for an art appraiser named Kum in Burns, Kansas to Pay Off ToysR Us and BabiesR Us Credit Card

Kum had a lot of credit card debt on their Umpqua Bank Co-Signer Visa and their Newport News Credit Card, and they were starting to get in over their heads. Despite Kum’s job as an art appraiser, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

8 Months in the Past, Kum Tried Finding a High Risk Loan for $26,000.00, and it was Easy

There is an existing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Kum. Kum chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Individuals with credit scores as low as 452 can apply for a high risk loan and possibly can be approved.

Kum’s Transunion score was altered by the unsecured loan loan, changing to 562 from 579, which is normal in our experience.

Transunion Score: 562

Signature Loan acquired in Burns, Kansas for $96000 with fair credit by Kum

Most clients struggle with finding signature loans in Burns, Kansas, and Kum is no different. Kum went to 7 lenders or more before settling on Burns State Bank, who offered Kum a signature loan for $96000. Typical signature loans simply need a client, like Kum’s signature to get them, up to $38,000 in some cases. Kum was able to get $96000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans do not require collateral, they tend to require better credit, as high as 768

Contact Details for Burns State Bank, the provider of this unsecured loan

  • Burns State Bank
  • City: Burns
  • State: Kansas
  • Address: Main Street
  • County: Marion
  • Zip code: 66840

Kum was declined by The American State Bank 4 times prior to being accepted by Burns State Bank at Main Street

On August 28, 2011, Kum inquired about borrowing $12,000 from The Union State Bank with Madie, their in law from just outside Burns, and even with the co-signer, Kum was rejected for this unsecured loan. With fair credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Kum has a sad current total income, but has a high number of prospects

Kum has always wanted to be a photoengravers, but would need attend University of Rhode Island again to achieve it. Kum has other possibilities as well, including cook, dental assistant, and quality control technician, which pay $54,000 through to $102,000 per year, at least. Because of this, we believe that Kum can afford this unsecured loan of $96000.

Before applying for this unsecured loan, Kum had an Experian score of 591, which is fair, so Burns State Bank probably cannot provide Kum an unsecured loan

Experian Score: 591

When Kum was 21, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a list of Kum’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on March 19, 2009
  • Attempt 2) Loan for $37,000.00 on November 21, 2008
  • Attempt 3) Loan for $35,000.00 on April 30, 2010
  • Attempt 4) Loan for $22,000.00 on September 27, 2009
Client Profile: Kum Gadewoltz of Burns, Kansas
  • Full name (Changed if requested): Kum Gadewoltz
  • Current Credit: loans.hit.utils.Fico@49097b5d
  • Current City: Burns
  • State: Kansas
  • Zip code: 66842
  • Yearly income: $32,000
  • Current Job: art appraiser
  • Current County: Marion
  • Goal Yearly Income: $102,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Several previous requests for credit have been made by Kum in the past, including one from IntraWest Bank of Denver, National Association in Burns, Kansas before Kum was approved for the $96000 by Burns State Bank

Kum made 6 previous attempts to obtain an unsecured loan, 2 of which were with IntraWest Bank of Denver, National Association, a lending institution in Burns, Kansas known to specialize in unsecured loans specifically. Before finding Burns State Bank, Kum was very concerned due to their inexperience and fair credit score.

Conclusion of Kum’s unsecured loan

In the end, Kum was able to find an unsecured loan for $96000 with an interest rate of 11.7% interest APR from Burns State Bank in Burns, Kansas repayable over 16 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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