$66000 Personal Loan – Kansas City Kansas, Credit Rating Of 840
- Experian: 854 – The client had an excellent Experian score
- Transunion: 826 – Cindie had an excellent credit rating with Transunion.
- Equifax: Cindie’s Experian score was 840, which is an excellent credit rating on the Experian rating scheme.
Contact Details for Industrial State Bank, the provider of this personal loan
- Industrial State Bank
- City: Kansas City
- State: Kansas
- Address: 3201 Strong Avenue
- County: Wyandotte
- Zip code: 66106
Cindie has a sad current yearly income, but has a large amount of prospects
Cindie has always wanted to be a furniture designer, but would have to attend The Sage Colleges again to become one. Cindie has other prospects as well, including sales representatives, forensics psychologist, and dental assistant, which pay $54,000 through to $94,000 per year, at least. For this reason, we believe that Cindie can pay for this personal loan of $66000.
Paraphrased and Standardized Quote from Cindie for this personal loan of $66000, provided by Industrial State Bank
Hi, I am Cindie and I’m from Kansas City in Kansas. Wyandotte, county is where I grew up, and now I need a personal loan in Kansas for $66000 to pay bills. It wasn’t easy, but Industrial State Bank really came through for me with this loan for 9.8% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Industrial State Bank for trusting me and my excellent credit. It look me 8 years to create my credit to 840, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.
When Cindie was 23, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a list of Cindie’s prior attempts at finding a student loan:
- Attempt 1) Loan for $23,000.00 on November 27, 2010
- Attempt 2) Loan for $32,000.00 on August 22, 2013
- Attempt 3) Loan for $36,000.00 on March 30, 2011
- Attempt 4) Loan for $32,000.00 on November 18, 2008
- Attempt 5) Loan for $23,000.00 on July 15, 2011
Personal Loan for a casino surveillance officer named Cindie in Kansas City, Kansas to Pay Off Commerce Bank Visa Signature Credit Card
Cindie had a tonne of credit card debt on their Phillips 66 and their Shell Fleet Plus Credit Card, and they were starting to get in over their heads. Despite Cindie’s job as a casino surveillance officer, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Fast Loans for Cindie in Kansas City, Kansas to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Kansas City, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Cindie. Cindie was able to find a fast loan for $66000 from Bank of Labor and First Kansas Bank and Trust Company, but turned down both offers in favor of their personal loan from Industrial State Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better in the case that a borrower is in a pinch.
Installment loan for Cindie, a graduate of The Sage Colleges and a casino surveillance officer working for over $61,000 per year
Cindie, an alumnus at The Sage Colleges and a casino surveillance officer in Kansas City, Kansas needs a personal loan to purchase a house. Cindie has instead decided to obtain an installment loan for $22,000 and is at present seeking lenders like Fidelity State Bank and Trust Company to provide it.
Many other requests for credit have been made by Cindie in the past, including one from First National Bank in Kansas City, Kansas before Cindie was approved for the $66000 by Industrial State Bank
Cindie made 9 previous tries to obtain a personal loan, 2 of which were with First National Bank, a lender in Kansas City, Kansas known to specialize in personal loans specifically. Before finding Industrial State Bank, Cindie was concerned due to their inexperience and excellent credit score.
Before applying for this personal loan, Cindie had an Experian score of 854, which is excellent, so Industrial State Bank likely cannot provide Cindie a personal loan
- Full name (Changed if requested): Cindie Barta
- Current Credit: loans.hit.utils.Fico@25f38edc
- Current City: Kansas City
- State: Kansas
- Zip code: 66115
- Yearly income: $49,000
- Current Job: casino surveillance officer
- Current County: Wyandotte
- Goal Yearly Income: $138,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Previous requests on Cindie’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$94270.00||11||7.8%||$1066.01||Citizens Bank and Trust Company||June 15, 2010|
|$93840.00||4||11.3%||$2439.04||The Morrill and Janes Bank and Trust Company||October 23, 2010|
|$94490.00||8||7.6%||$1316.64||The Citizens State Bank, Liberal, Kansas||November 16, 2012|
|$94330.00||8||10.5%||$1456.46||Citizens State Bank||February 26, 2013|
|$93780.00||8||8.1%||$1330.51||The Peoples Bank||May 1, 2013|
Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans vary from $24,000.00 to $54,000.00. They are mainly used to pay off existing high interest loans like credit cards. Cindie needed a debt consolidation loan to pay for their existing personal loan and their loan shark loan. Cindie was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.3%.
7 Months Ago, Cindie Tried Finding a High Risk Loan for $20,000.00, but They Didn’t Find What They were Expecting
It is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Cindie. Cindie chose not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Borrowers with credit scores as low as 485 can apply for a high risk loan and have a chance to be approved.
Cindie was not approved by The Bank of Tescott 6 times before being approved by Industrial State Bank at 3201 Strong Avenue
On April 23, 2013, Cindie applied about borrowing $42,000 from Citizens State Bank with Armandina, their in law from just outside Kansas City, and even with the co-signer, Cindie was rejected for this personal loan. With excellent credit, it can be a challenge to obtain financing, even with collateral and a co-signer.
Cindie’s Transunion score was altered by the personal loan loan, changing to 826 from 840, which is typical in our experience.
Signature Loan easily acquired in Kansas City, Kansas for $66000 with excellent credit by Cindie
A lot of prospective borrowers struggle with obtaining signature loans in Kansas City, Kansas, and Cindie is not an exception. Cindie went to 5 lenders or more prior to settling on Industrial State Bank, who offered Cindie a signature loan for $66000. Most signature loans simply require a client, like Cindie’s signature to obtain them, up to $41,000 in some cases. Cindie was able to get $66000 as a personal loan, which is very high for a personal loan. Since signature loans do not need collateral, these loans generally need better credit, as high as 786
Cindie’s Overall FICO score at the time of acceptance for a personal loan, taking into account their casino surveillance officer job and their future job as a furniture designer
Conclusion of Cindie’s personal loan
In the end, Cindie was able to find a personal loan for $66000 with an interest rate of 9.4% interest APR from Industrial State Bank in Kansas City, Kansas repayable over 14 years from today.