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Low Rate No Collateral Loan For Winnie In Keosauqua, Iowa

$90000 No Collateral Loan – Keosauqua Iowa, Credit Score Of 848

  • Experian: 863 – This client had an excellent Experian rating
  • Transunion: 829 – Winnie had an excellent credit score with Transunion.
  • Equifax: Winnie’s Experian score was 848, which is an excellent credit rating with the Experian system.

Installment loan for Winnie, a graduate of University of Illinois at Chicago and a cabinet maker working for over $77,000 per year

Winnie, an alumnus at University of Illinois at Chicago and a cabinet maker in Keosauqua, Iowa wants a no collateral loan to purchase something frivolous. Winnie has instead decided to get an installment loan for $27,000 and is currently seeking lenders like Pocahontas State Bank to provide it.

Signature Loan acquired in Keosauqua, Iowa for $90000 with excellent credit by Winnie

Many prospective borrowers struggle with obtaining signature loans in Keosauqua, Iowa, and Winnie is no different. Winnie went to 4 lending institutions or more prior to settling on First Iowa State Bank, who offered Winnie a signature loan for $90000. Typical signature loans simply require a client, like Winnie’s signature to get them, up to $20,000 in some cases. Winnie was able to get $90000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not need a cosigner, these loans tend to need higher credit, as high as 769

Before applying for this no collateral loan, Winnie had an Experian score of 863, which is excellent, so First Iowa State Bank likely cannot provide Winnie a no collateral loan

Experian Score: 863

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

Winnie has always wanted to be a dental / orthodontic office administrator, but would have to attend University of Illinois at Chicago again to become one. Winnie has other prospects as well, including radio & tv program director, cement mason, and radiologist, which pay $59,000 through to $98,000 per year, at least. Because of this, we think that Winnie can pay for this no collateral loan of $90000.

Winnie was declined by Postville State Bank 6 times prior to being accepted by First Iowa State Bank at 714 First Street

On November 16, 2008, Winnie applied about borrowing $29,000 from Oakland Savings Bank with Shanel, their friend from just outside Keosauqua, and even with the co-signer, Winnie was rejected for this no collateral loan. With excellent credit, it can be very hard to procure financing, even with collateral and a co-signer.

When Winnie was 20, they tried to obtain a student loan from 5 different lenders, which harmed their credit rating. Below is a chronology of Winnie’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on March 17, 2009
  • Attempt 2) Loan for $23,000.00 on June 13, 2011
  • Attempt 3) Loan for $23,000.00 on May 20, 2012
  • Attempt 4) Loan for $37,000.00 on November 23, 2009
  • Attempt 5) Loan for $33,000.00 on December 14, 2008

Previous requests on Winnie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$68570.00 8 11.2% $1084.54 Mills County Bank National Association February 10, 2011
$69240.00 10 6.1% $772.19 Postville State Bank December 28, 2012
$69150.00 6 11.7% $1341.13 Washington State Bank January 10, 2014
$68620.00 9 11.8% $1034.22 Rippey Savings Bank December 28, 2014

Winnie’s Transunion score was altered by the no collateral loan loan, changing to 829 from 848, which is typical in our experience.

Transunion Score: 829

Winnie’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their cabinet maker job and their future job as a dental / orthodontic office administrator

Fico Score: 848

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans vary from $22,000.00 to $48,000.00. They are mainly used to pay off existing high interest loans like credit cards. Winnie needed a debt consolidation loan to pay for their existing no collateral loan and their credit card. Winnie was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.6%.

7 Months Ago, Winnie Attempted to Find a High Risk Loan for $42,000.00, and it was Easy

It is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Winnie. Winnie chose not to get a high risk loan this time. High Risk loans are given to terrible credit borrowers. Borrowers with credit scores as low as 482 can apply for a high risk loan and possibly can be accepted.

Personal Loan for a cabinet maker named Winnie in Keosauqua, Iowa to Pay Off Apple Bank for Savings

Winnie had a tonne of credit card debt on their St Louis Cardinals BankAmericard Cash Rewards MasterCard and their Speedway SuperAmerica MasterCard, and they were starting to get in over their heads. Despite Winnie’s job as a cabinet maker, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Many past requests for credit have been made by Winnie in the past, including one from American Bank of Martin County in Keosauqua, Iowa before Winnie was approved for the $90000 by First Iowa State Bank

Winnie made 5 previous attempts to obtain a no collateral loan, 2 of which were with American Bank of Martin County, a lender in Keosauqua, Iowa known to specialize in no collateral loans specifically. Before finding First Iowa State Bank, Winnie was desperate due to their inexperience and excellent credit score.

Client Profile: Winnie Lunstrum of Keosauqua, Iowa
  • Full name (Changed if requested): Winnie Lunstrum
  • Current Credit: loans.hit.utils.Fico@6659c656
  • Current City: Keosauqua
  • State: Iowa
  • Zip code: 52574
  • Yearly income: $32,000
  • Current Job: cabinet maker
  • Current County: Van Buren
  • Goal Yearly Income: $138,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Fast Loans for Winnie in Keosauqua, Iowa to prevent bankruptcy or harm from debt collectors.

Fast loans in Keosauqua, Iowa aren’t actually that difficult to obtain, especially if you have some gumption like Winnie. Winnie was able to find a fast loan for $90000 from First State Savings Bank and The First Trust & Savings Bank, but turned down both offers in favor of their no collateral loan from First Iowa State Bank. The difference 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 installment loans. Much better in the case that a borrower is on the go.

Contact Details for First Iowa State Bank, the provider of this no collateral loan

  • First Iowa State Bank
  • City: Keosauqua
  • State: Iowa
  • Address: 714 First Street
  • County: Van Buren
  • Zip code: 52565

Paraphrased and Standardized Quote from Winnie for this no collateral loan of $90000, provided by First Iowa State Bank

Hello, I am Winnie and I am from Keosauqua in Iowa. Van Buren, county is where I grew up, and now I need a no collateral loan in Iowa for $90000 to buy a car. It wasn’t easy, but First Iowa State Bank really came through for me with this loan for 10.5% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to First Iowa State Bank for trusting me and my excellent credit. It look me 8 years to create my credit to 848, and I won’t harm it any future. I’m happy with Find Texas Loans for helping me this far.

Conclusion of Winnie’s no collateral loan

In the end, Winnie was able to find a no collateral loan for $90000 with an interest rate of 8.5% interest APR from First Iowa State Bank in Keosauqua, Iowa repayable over 12 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.