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Erline Wanted A Quick Loan For $12000, Carbondale, Illinois

$12000 Quick Loan – Carbondale Illinois, Credit Rating Of 318

  • Experian: 336 – They had a terrible Experian rating
  • Transunion: 306 – Erline had a terrible credit score with Transunion.
  • Equifax: Erline’s Experian score was 318, which is a terrible credit score with the Experian system.

Erline was not approved by Community Banks of Shelby County 7 times before being accepted by First Bank of Carbondale at 1500 West Main Street

On February 20, 2009, Erline applied about borrowing $49,000 from LaSalle Bank NI with Laurene, their friend from just outside Carbondale, and even with the co-signer, Erline was rejected for this quick loan. With terrible credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Many other requests for credit have been made by Erline in the past, including one from Farmers State Bank in Carbondale, Illinois before Erline was accepted for the $12000 by First Bank of Carbondale

Erline made 9 previous attempts to obtain a quick loan, 2 of which were with Farmers State Bank, a lender in Carbondale, Illinois known to specialize in quick loans specifically. Prior to finding First Bank of Carbondale, Erline was desperate due to their inexperience and terrible credit score.

Erline’s Transunion score was altered by the quick loan loan, changing to 306 from 318, which is normal in our experience.

Transunion Score: 306

Signature Loan easily acquired in Carbondale, Illinois for $12000 with terrible credit by Erline

Many clients have difficulty with finding signature loans in Carbondale, Illinois, and Erline is the same. Erline went to 4 lending institutions or more prior to finding First Bank of Carbondale, who offered Erline a signature loan for $12000. Typical signature loans simply require a client, like Erline’s signature to get them, up to $36,000 in some cases. Erline was able to get $12000 as a quick loan, which is very high for a quick loan. Since signature loans do not require a cosigner, these loans generally need improved credit, as high as 769

Client Profile: Erline Spare of Carbondale, Illinois
  • Full name (Changed if requested): Erline Spare
  • Current Credit: loans.hit.utils.Fico@36aa7bc2
  • Current City: Carbondale
  • State: Illinois
  • Zip code: 62903
  • Yearly income: $56,000
  • Current Job: newspaper/magazines writer
  • Current County: Jackson
  • Goal Yearly Income: $129,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Paraphrased and Standardized Quote from Erline for this quick loan of $12000, provided by First Bank of Carbondale

Hello, I am Erline and I’m from Carbondale in Illinois. Jackson, county is where I grew up, and now I need a quick loan in Illinois for $12000 to buy a big ticket item. It wasn’t easy, but First Bank of Carbondale really came through for me with this loan for 7.1% interest APR and a term of 17 years. I can probably repay the loan over the 17 year term, including interest. A big thanks to First Bank of Carbondale for giving me a chance and my terrible credit. It look me 8 years to create my credit to 318, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

When Erline was 21, they tried to obtain a student loan from 6 different banks, which damaged their credit score. Below is a list of Erline’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on April 24, 2010
  • Attempt 2) Loan for $24,000.00 on December 12, 2008
  • Attempt 3) Loan for $26,000.00 on November 11, 2008
  • Attempt 4) Loan for $21,000.00 on November 10, 2011
  • Attempt 5) Loan for $33,000.00 on February 22, 2010
  • Attempt 6) Loan for $28,000.00 on April 7, 2011

9 Months in the Past, Erline Attempted Finding a High Risk Loan for $38,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Erline. Erline decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Borrowers with credit scores as low as 392 can inquire for a high risk loan and possibly can be approved.

Personal Loan for a newspaper/magazines writer named Erline in Carbondale, Illinois to Pay Off Justice FCU Student Rewards Visa Card

Erline had a tonne of credit card debt on their Korean Air SKYPASS Visa Signature Card and their AARP Rewards Visa Card, and they were starting to get in over their heads. Despite Erline’s job as a newspaper/magazines writer, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this quick loan, Erline had an Experian score of 336, which is terrible, so First Bank of Carbondale probably cannot provide Erline a quick loan

Experian Score: 336

Erline’s Overall FICO score at the time of acceptance for a quick loan, taking into account their newspaper/magazines writer job and their future career as a technical publications writer

Fico Score: 318

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

Normal debt consolidation loans range from $25,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Erline needed a debt consolidation loan to pay for their existing quick loan and their credit card. Erline was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your bad, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.1%.

Previous requests on Erline’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$43530.00 5 9.2% $907.84 The Gerber State Bank July 15, 2012
$44180.00 8 7.1% $604.54 The Belvidere National Bank and Trust Company October 6, 2012
$44170.00 5 6.6% $866.31 Commerce Bank June 18, 2013
$44390.00 8 7.8% $623.02 Byron Bank September 9, 2014
$43680.00 8 6.7% $589.02 Amalgamated Bank of Chicago January 11, 2015

Erline has a low current gross income, but has a high number of prospects

Erline has always wanted to be a technical publications writer, but would have to attend Oakland Community College again to become one. Erline has other possibilities as well, including admiralty lawyer, eeg technician/technologist, and electric motor mechanic, which pay $53,000 through to $102,000 per year, on average. For this reason, we believe that Erline can pay for this quick loan of $12000.

Contact Details for First Bank of Carbondale, the provider of this quick loan

  • First Bank of Carbondale
  • City: Carbondale
  • State: Illinois
  • Address: 1500 West Main Street
  • County: Jackson
  • Zip code: 62901

Fast Loans for Erline in Carbondale, Illinois to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Carbondale, Illinois aren’t actually that difficult to obtain, particularly if you have some finesse like Erline. Erline was able to find a fast loan for $12000 from Amalgamated Bank of Chicago and The Belvidere National Bank and Trust Company, but declined both offers in favor of their quick loan from First Bank of Carbondale. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement in the case that a borrower is in a time sensitive situation.

Installment loan for Erline, a graduate of Oakland Community College and a newspaper/magazines writer working for over $70,000 per year

Erline, an alumnus at Oakland Community College and a newspaper/magazines writer in Carbondale, Illinois needs a quick loan to purchase a new cell phone. Erline has instead decided to get an installment loan for $29,000 and is at present seeking lenders like Community Banks of Shelby County to provide it.

Conclusion of Erline’s quick loan

In the end, Erline was able to find a quick loan for $12000 with an interest rate of 7.0% interest APR from First Bank of Carbondale in Carbondale, Illinois repayable over 17 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.