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8 Month Private Loan For Marianela In Escanaba Michigan

$76000 Private Loan – Escanaba Michigan, Credit Score Of 357

  • Experian: 374 – This individual had a terrible Experian rating
  • Transunion: 344 – Marianela had a terrible credit rating with Transunion.
  • Equifax: Marianela’s Experian score was 357, which is a terrible credit score with the Experian scale.

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

Marianela has always wanted to be an occupational safety & health inspector, but would need attend Kaplan University again to become one. Marianela has other prospects as well, including mathematical technician, set illustrator, and alumni relations coordinator, which pay $59,000 through to $92,000 per year, on average. Because of this, we believe that Marianela can pay for this private loan of $76000.

Previous requests on Marianela’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$149260.00 4 8.8% $3700.18 Society Bank, Lenawee September 14, 2012
$149180.00 3 10.2% $4827.64 Bank of Lenawee January 12, 2014
$149290.00 4 10.7% $3836.76 First of America Bank – Alpena August 22, 2014
$149200.00 10 11.2% $2072.16 NBD Ann Arbor, National Association April 24, 2015
$149340.00 4 9.6% $3759.02 First of America Bank – Mid Michigan, National Association May 4, 2015

Marianela was declined by Old Kent Bank of Hillsdale 7 times prior to being accepted by Northern Michigan Bank & Trust at 1921 3rd Avenue North

On June 20, 2012, Marianela inquired about borrowing $16,000 from OSB Community Bank with Amada, their friend from just outside Escanaba, and even with the co-signer, Marianela was rejected for this private loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Marianela’s Overall FICO score at the time of acceptance for a private loan, taking into account their legal secretary job and their future career as an occupational safety & health inspector

Fico Score: 357

Installment loan for Marianela, a graduate of Kaplan University and a legal secretary working for over $64,000 per year

Marianela, an alumnus at Kaplan University and a legal secretary in Escanaba, Michigan wants a private loan to purchase something frivolous. Marianela has instead chosen to obtain an installment loan for $19,000 and is currently seeking lenders like Bank of Lenawee to process their request.

Fast Loans for Marianela in Escanaba, Michigan to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Escanaba, Michigan aren’t actually that difficult to obtain, especially if you have some gumption like Marianela. Marianela was able to find a fast loan for $76000 from FMB-Commercial Bank and Chemical Bank Cass City, but declined both offers in favor of their private loan from Northern Michigan Bank & Trust. 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 7 weeks for debt consolidation loans. An improvement if a client is in a pinch.

Many past requests for credit have been made by Marianela in the past, including one from Bank of Bismarck in Escanaba, Michigan before Marianela was accepted for the $76000 by Northern Michigan Bank & Trust

Marianela made 4 previous attempts to obtain a private loan, 2 of which were with Bank of Bismarck, a bank in Escanaba, Michigan known to specialize in private loans specifically. Prior to finding Northern Michigan Bank & Trust, Marianela was desperate due to their inexperience and terrible credit score.

Signature Loan acquired in Escanaba, Michigan for $76000 with terrible credit by Marianela

A lot of prospective borrowers struggle with obtaining signature loans in Escanaba, Michigan, and Marianela is no exception. Marianela went to 6 lending institutions or more prior to finding Northern Michigan Bank & Trust, who offered Marianela a signature loan for $76000. Most signature loans simply require a client, like Marianela’s signature to get them, up to $21,000 in some cases. Marianela was able to get $76000 as a private loan, which is very high for a private loan. Because signature loans do not require a cosigner, these loans generally require better credit, as high as 737

Marianela’s Transunion score was altered by the private loan loan, changing to 344 from 357, which is normal in our experience.

Transunion Score: 344

Personal Loan for a legal secretary named Marianela in Escanaba, Michigan to Pay Off Select Comfort Credit Card

Marianela had a lot of credit card debt on their BB&T Visa Purchasing Card and their Synovus Visa Business Platinum Card, and they were starting to get in over their heads. Despite Marianela’s job as a legal secretary, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Client Profile: Marianela Bianca of Escanaba, Michigan
  • Full name (Changed if requested): Marianela Bianca
  • Current Credit: loans.hit.utils.Fico@2dda6444
  • Current City: Escanaba
  • State: Michigan
  • Zip code: 49837
  • Yearly income: $42,000
  • Current Job: legal secretary
  • Current County: Delta
  • Goal Yearly Income: $98,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

When Marianela was 18, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a list of Marianela’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on November 17, 2009
  • Attempt 2) Loan for $25,000.00 on January 2, 2011
  • Attempt 3) Loan for $25,000.00 on October 9, 2010
  • Attempt 4) Loan for $26,000.00 on September 7, 2009

Before applying for this private loan, Marianela had an Experian score of 374, which is terrible, so Northern Michigan Bank & Trust most likely cannot provide Marianela a private loan

Experian Score: 374

Paraphrased and Standardized Quote from Marianela for this private loan of $76000, provided by Northern Michigan Bank & Trust

Hello, I am Marianela and I am from Escanaba in Michigan. Delta, county is where I grew up, and now I need a private loan in Michigan for $76000 to pay bills. It has been difficult, but Northern Michigan Bank & Trust really came through for me with this loan for 7.3% interest APR and a term of 6 years. I can probably repay the loan over the 6 year term, including interest. A big thanks to Northern Michigan Bank & Trust for trusting me and my terrible credit. It look me 9 years to build my credit to 357, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

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

Average debt consolidation loans vary from $22,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Marianela required a debt consolidation loan to pay for their existing private loan and their credit card. Marianela was able to find a private loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.5%.

7 Months in the Past, Marianela Tried Finding a High Risk Loan for $36,000.00, 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 manner. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Marianela. Marianela chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Clients with credit ratings as low as 497 can inquire for a high risk loan and possibly can be approved.

Contact Details for Northern Michigan Bank & Trust, the provider of this private loan

  • Northern Michigan Bank & Trust
  • City: Escanaba
  • State: Michigan
  • Address: 1921 3rd Avenue North
  • County: Delta
  • Zip code: 49829

Conclusion of Marianela’s private loan

In the end, Marianela was able to find a private loan for $76000 with an interest rate of 11.5% interest APR from Northern Michigan Bank & Trust in Escanaba, Michigan repayable over 6 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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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.