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Angelo Wanted A Personal Loan For $192000, Spring Valley, Wisconsin

$192000 Personal Loan – Spring Valley Wisconsin, Credit Rating Of 701

  • Experian: 713 – The client had a good Experian score
  • Transunion: 688 – Angelo had a good credit rating with Transunion.
  • Equifax: Angelo’s Experian score was 701, which is a good credit rating on the Experian system.

Paraphrased and Standardized Quote from Angelo for this personal loan of $192000, provided by The Bank of Spring Valley

Hi, I am Angelo and my hometown is Spring Valley in Wisconsin. Pierce, county is where I grew up, and now I need a personal loan in Wisconsin for $192000 to buy a car. It wasn’t easy, but The Bank of Spring Valley really came through for me with this loan for 10.6% 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 The Bank of Spring Valley for giving me a chance and my good credit. It look me 5 years to build my credit to 701, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.

Angelo’s Transunion score was altered by the personal loan loan, changing to 688 from 701, which is typical in our experience.

Transunion Score: 688

Client Profile: Angelo Strackbein of Spring Valley, Wisconsin
  • Full name (Changed if requested): Angelo Strackbein
  • Current Credit: loans.hit.utils.Fico@5e9f23b4
  • Current City: Spring Valley
  • State: Wisconsin
  • Zip code: 54772
  • Yearly income: $49,000
  • Current Job: pediatrician
  • Current County: Pierce
  • Goal Yearly Income: $120,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Fast Loans for Angelo in Spring Valley, Wisconsin to prevent bankruptcy or harm from debt collectors.

Fast loans in Spring Valley, Wisconsin aren’t actually that difficult to obtain, particularly if you have some gumption like Angelo. Angelo was able to find a fast loan for $192000 from Norwest Bank Wisconsin East Central and Associated Bank Madison, but turned down both offers in favor of their personal loan from The Bank of Spring Valley. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big improvement in the case that a borrower is in a time sensitive situation.

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

Most debt consolidation loans vary from $27,000.00 to $57,000.00. They are mainly used to pay off existing high interest loans like credit cards. Angelo required a debt consolidation loan to pay for their existing personal loan and their payday loan. Angelo was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your less desirable, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.4%.

Angelo’s Overall FICO score at the time of acceptance for a personal loan, taking into account their pediatrician job and their future job as a web art director

Fico Score: 701

When Angelo was 20, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit rating. Below is a list of Angelo’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on April 15, 2010
  • Attempt 2) Loan for $24,000.00 on February 13, 2009
  • Attempt 3) Loan for $30,000.00 on October 28, 2009
  • Attempt 4) Loan for $34,000.00 on December 15, 2010
  • Attempt 5) Loan for $28,000.00 on March 18, 2009
  • Attempt 6) Loan for $34,000.00 on July 5, 2010
  • Attempt 7) Loan for $22,000.00 on August 14, 2011

Angelo was rejected by Citizens State Bank of La Crosse 6 times before being accepted by The Bank of Spring Valley at Mckay And Akers Avenues

On October 25, 2013, Angelo inquired about borrowing $6,000 from Bank of North Lake with Hettie, their in law from just outside Spring Valley, and even with the co-signer, Angelo was rejected for this personal loan. With good credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Contact Details for The Bank of Spring Valley, the provider of this personal loan

  • The Bank of Spring Valley
  • City: Spring Valley
  • State: Wisconsin
  • Address: Mckay And Akers Avenues
  • County: Pierce
  • Zip code: 54767

Previous requests on Angelo’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$132330.00 8 5.1% $1681.59 M&I Bank of Burlington May 3, 2013
$132360.00 7 5.7% $1914.61 M&I Marshall and Ilsley Bank April 4, 2014
$132270.00 9 6.1% $1594.55 Continental Bank & Trust Co. December 31, 2014
$131830.00 10 7.2% $1544.28 Clare Bank, National Association February 11, 2015

6 Months Ago, Angelo Attempted Finding a High Risk Loan for $43,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Angelo. Angelo chose not to get a high risk loan this time. High Risk loans are given to terrible credit individuals. Clients with credit ratings as low as 544 can apply for a high risk loan and possibly can be approved.

Signature Loan easily acquired in Spring Valley, Wisconsin for $192000 with good credit by Angelo

A lot of prospective borrowers have difficulty with finding signature loans in Spring Valley, Wisconsin, and Angelo is the same. Angelo went to 6 lending institutions or more prior to finding The Bank of Spring Valley, who offered Angelo a signature loan for $192000. Most signature loans simply require a client, like Angelo’s signature to get them, up to $20,000 in some cases. Angelo was able to get $192000 as a personal loan, which is very high for a personal loan. Since signature loans do not require a cosigner, they tend to need higher credit, as high as 797

Installment loan for Angelo, a graduate of Touro College and a pediatrician working for over $73,000 per year

Angelo, an alumnus at Touro College and a pediatrician in Spring Valley, Wisconsin needs a personal loan to purchase something frivolous. Angelo has instead chosen to obtain an installment loan for $8,000 and is at present seeking lenders like First Bank Southeast, National Association to provide it.

Personal Loan for a pediatrician named Angelo in Spring Valley, Wisconsin to Pay Off Mack Fuel and Service Credit Card

Angelo had a lot of credit card debt on their PenFed Gold Visa Card and their USAA World MasterCard Credit Card, and they were starting to get in over their heads. Despite Angelo’s job as a pediatrician, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Angelo has a disappointing current yearly income, but has a large amount of prospects

Angelo has always wanted to be a web art director, but would have to attend Touro College again to become one. Angelo has other prospects as well, including crane operator, highway patrol pilot, and hazardous materials removal worker, which pay $56,000 through to $108,000 per year, at least. Because of this, we think that Angelo can afford this personal loan of $192000.

Several past requests for credit have been made by Angelo in the past, including one from Concord Savings Bank, FSB in Spring Valley, Wisconsin before Angelo was approved for the $192000 by The Bank of Spring Valley

Angelo made 9 previous attempts to obtain a personal loan, 2 of which were with Concord Savings Bank, FSB, a bank in Spring Valley, Wisconsin known to specialize in personal loans specifically. Prior to finding The Bank of Spring Valley, Angelo was concerned due to their inexperience and good credit rating.

Before applying for this personal loan, Angelo had an Experian score of 713, which is good, so The Bank of Spring Valley likely cannot provide Angelo a personal loan

Experian Score: 713

Conclusion of Angelo’s personal loan

In the end, Angelo was able to find a personal loan for $192000 with an interest rate of 5.6% interest APR from The Bank of Spring Valley in Spring Valley, Wisconsin repayable over 14 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.