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$38000 Same Day Loan With Good Credit In St. Louis Missouri

$38000 Same Day Loan – St. Louis Missouri, Credit Score Of 609

  • Experian: 620 – The client had a good Experian rating
  • Transunion: 590 – Helga had a good credit rating with Transunion.
  • Equifax: Helga’s Experian score was 609, which is a good credit score on the Experian rating scheme.

Previous requests on Helga’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$65470.00 6 9.7% $1203.01 Camden County Bank March 14, 2010
$65450.00 9 9.8% $914.38 Glasgow Savings Bank August 4, 2010
$65110.00 6 6.5% $1094.49 Central Bank December 30, 2011
$65330.00 8 6.5% $874.52 Midwest BankCentre March 7, 2014

When Helga was 18, they tried to obtain a student loan from 5 different banks, which harmed their credit score. Below is a list of Helga’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on March 11, 2012
  • Attempt 2) Loan for $21,000.00 on April 1, 2010
  • Attempt 3) Loan for $30,000.00 on August 24, 2009
  • Attempt 4) Loan for $27,000.00 on August 29, 2012
  • Attempt 5) Loan for $34,000.00 on April 17, 2011

Helga’s Transunion score was altered by the same day loan loan, changing to 590 from 609, which is typical in our experience.

Transunion Score: 590

Contact Details for Northwestern Bank and Trust Company, the provider of this same day loan

  • Northwestern Bank and Trust Company
  • City: St. Louis
  • State: Missouri
  • Address: 1500 St. Louis Avenue
  • County: Saint Louis (City)
  • Zip code: 63106

Installment loan for Helga, a graduate of Foothill College and a home entertainment system installer working for over $68,000 per year

Helga, an alumnus at Foothill College and a home entertainment system installer in St. Louis, Missouri wants a same day loan to purchase a car. Helga has instead chosen to obtain an installment loan for $7,000 and is at present seeking lenders like Northwestern Bank and Trust Company to provide it.

Fast Loans for Helga in St. Louis, Missouri to prevent bankruptcy or harm from debt collectors.

Fast loans in St. Louis, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Helga. Helga was able to find a fast loan for $38000 from Bremen Bank and Trust Company and Southern Commercial Bank, but declined both offers in favor of their same day loan from Northwestern Bank and Trust Company. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big difference in the case that a borrower is on the go.

Client Profile: Helga Proulx of St. Louis, Missouri
  • Full name (Changed if requested): Helga Proulx
  • Current Credit: loans.hit.utils.Fico@6ae40994
  • Current City: St. Louis
  • State: Missouri
  • Zip code: 63115
  • Yearly income: $65,000
  • Current Job: home entertainment system installer
  • Current County: Saint Louis (City)
  • Goal Yearly Income: $80,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Helga has a disappointing current total income, but has a large amount of prospects

Helga has always wanted to be an athletic trainer, but would have to attend Foothill College again to become one. Helga has other possibilities as well, including food technologist, speech writer, and kindergarten teacher, which pay $55,000 through to $103,000 per year, at least. Because of this, we think that Helga can pay for this same day loan of $38000.

Personal Loan for a home entertainment system installer named Helga in St. Louis, Missouri to Pay Off Abercrombie & Fitch Credit Card

Helga had a lot of credit card debt on their Tompkins Trust Secured Visa Card and their Harley-Davidson Visa Secured Card, and they were starting to get in over their heads. Despite Helga’s job as a home entertainment system installer, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this same day loan, Helga had an Experian score of 620, which is good, so Northwestern Bank and Trust Company likely cannot provide Helga a same day loan

Experian Score: 620

7 Months in the Past, Helga Attempted to Find a High Risk Loan for $25,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Helga. Helga decided not to get a high risk loan this time. High Risk loans are given to bad credit individuals. Individuals with credit scores as low as 573 can apply for a high risk loan and possibly can be accepted.

Helga was declined by Jefferson Bank and Trust Company 6 times prior to being approved by Northwestern Bank and Trust Company at 1500 St. Louis Avenue

On October 6, 2009, Helga applied about borrowing $44,000 from Glasgow Savings Bank with Grady, their in law from just outside St. Louis, and even with the co-signer, Helga was rejected for this same day loan. With good credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Helga’s Overall FICO score at the time of acceptance for a same day loan, taking into account their home entertainment system installer job and their future job as an athletic trainer

Fico Score: 609

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

Average debt consolidation loans range from $35,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Helga required a debt consolidation loan to pay for their existing same day loan and their payday loan. Helga was able to find a same day loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.0%.

Paraphrased and Standardized Quote from Helga for this same day loan of $38000, provided by Northwestern Bank and Trust Company

Hi, I am Helga and I am from St. Louis in Missouri. Saint Louis (City), county is where I grew up, and now I need a same day loan in Missouri for $38000 to renovate my home. It has been difficult, but Northwestern Bank and Trust Company really came through for me with this loan for 8.2% interest APR and a term of 11 years. I can repay the loan over the 11 year term, including interest. A big thanks to Northwestern Bank and Trust Company for trusting me and my good credit. It look me 5 years to build my credit to 609, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Signature Loan acquired in St. Louis, Missouri for $38000 with good credit by Helga

Many borrowers have difficulty with finding signature loans in St. Louis, Missouri, and Helga is no different. Helga went to 7 lenders or more before finding Northwestern Bank and Trust Company, who offered Helga a signature loan for $38000. Most signature loans simply need a client, like Helga’s signature to obtain them, up to $40,000 in some cases. Helga was able to get $38000 as a same day loan, which is very high for a same day loan. Because signature loans do not require a cosigner, they tend to need better credit, as high as 714

Multiple previous requests for credit have been made by Helga in the past, including one from Strategic Capital Bank in St. Louis, Missouri before Helga was approved for the $38000 by Northwestern Bank and Trust Company

Helga made 4 previous attempts to obtain a same day loan, 2 of which were with Strategic Capital Bank, a bank in St. Louis, Missouri known to specialize in same day loans specifically. Before finding Northwestern Bank and Trust Company, Helga was desperate due to their inexperience and good credit score.

Conclusion of Helga’s same day loan

In the end, Helga was able to find a same day loan for $38000 with an interest rate of 6.4% interest APR from Northwestern Bank and Trust Company in St. Louis, Missouri repayable over 11 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.