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Catalina Needed A Same Day Loan For $129000, Stickney, South Dakota

$129000 Same Day Loan – Stickney South Dakota, Credit Rating Of 327

  • Experian: 337 – This individual had a terrible Experian score
  • Transunion: 309 – Catalina had a terrible credit score with Transunion.
  • Equifax: Catalina’s Experian score was 327, which is a terrible credit rating with the Experian system.

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $34,000.00 to $57,000.00. They are mainly used to pay off existing high interest loans like credit cards. Catalina required a debt consolidation loan to pay for their existing same day loan and their payday loan. Catalina was able to find a same day loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.8%.

Signature Loan found in Stickney, South Dakota for $129000 with terrible credit by Catalina

Most clients struggle with obtaining signature loans in Stickney, South Dakota, and Catalina is no different. Catalina went to 8 lenders or more before finding Farmers State Bank, who offered Catalina a signature loan for $129000. Typical signature loans simply require a client, like Catalina’s signature to obtain them, up to $24,000 in some cases. Catalina was able to get $129000 as a same day loan, which is very high for a same day loan. Since signature loans don’t need collateral, they generally need improved credit, as high as 713

Installment loan for Catalina, a graduate of Indiana Wesleyan University and a sales representative working for over $72,000 per year

Catalina, an alumnus at Indiana Wesleyan University and a sales representative in Stickney, South Dakota needs a same day loan to purchase a new cell phone. Catalina has instead decided to get an installment loan for $14,000 and is at present seeking lenders like Farmers and Merchants Bank to process their request.

Client Profile: Catalina Beckworth of Stickney, South Dakota
  • Full name (Changed if requested): Catalina Beckworth
  • Current Credit: loans.hit.utils.Fico@506e1b77
  • Current City: Stickney
  • State: South Dakota
  • Zip code: 57381
  • Yearly income: $57,000
  • Current Job: sales representative
  • Current County: Aurora
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Before applying for this same day loan, Catalina had an Experian score of 337, which is terrible, so Farmers State Bank likely cannot provide Catalina a same day loan

Experian Score: 337

Multiple past requests for credit have been made by Catalina in the past, including one from First Federal Savings and Loan Association of Crisp County in Stickney, South Dakota before Catalina was accepted for the $129000 by Farmers State Bank

Catalina made 7 prior attempts to obtain a same day loan, 2 of which were with First Federal Savings and Loan Association of Crisp County, a lending institution in Stickney, South Dakota known to specialize in same day loans specifically. Prior to finding Farmers State Bank, Catalina was very concerned due to their inexperience and terrible credit score.

Catalina was declined by Citizens State Bank, of Arlington 6 times before being accepted by Farmers State Bank at 221 Main Street

On June 20, 2011, Catalina inquired about borrowing $18,000 from First Fidelity Bank with Jamie, their friend from just outside Stickney, and even with the co-signer, Catalina was rejected for this same day loan. With terrible credit, it can be difficult to procure funding, even with collateral and a co-signer.

Catalina’s Transunion score was altered by the same day loan loan, changing to 309 from 327, which is typical in our experience.

Transunion Score: 309

Fast Loans for Catalina in Stickney, South Dakota to prevent bankruptcy or harm from debt collectors.

Fast loans in Stickney, South Dakota aren’t actually that difficult to obtain, particularly if you have some finesse like Catalina. Catalina was able to find a fast loan for $129000 from First State Bank and First State Bank, but turned down both offers in favor of their same day loan from Farmers State Bank. The improvement 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 in a time sensitive situation.

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

  • Attempt 1) Loan for $25,000.00 on September 19, 2011
  • Attempt 2) Loan for $35,000.00 on December 7, 2011
  • Attempt 3) Loan for $22,000.00 on September 29, 2012
  • Attempt 4) Loan for $29,000.00 on September 17, 2010

6 Months Ago, Catalina Tried to Find a High Risk Loan for $43,000.00, and it was Hard

There is an existing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Catalina. Catalina chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Individuals with credit ratings as low as 521 can apply for a high risk loan and possibly can be accepted.

Personal Loan for a sales representative named Catalina in Stickney, South Dakota to Pay Off CFCU Credit Union Visa

Catalina had a tonne of credit card debt on their First Independent Bank of Nevada Business Credit Card and their Olivia Platinum Plus Visa with WorldPoints Rewards, and they were starting to get in over their heads. Despite Catalina’s job as a sales representative, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Catalina’s Overall FICO score at the time of acceptance for a same day loan, taking into account their sales representative job and their future career as an experimental psychologist

Fico Score: 327

Contact Details for Farmers State Bank, the provider of this same day loan

  • Farmers State Bank
  • City: Stickney
  • State: South Dakota
  • Address: 221 Main Street
  • County: Aurora
  • Zip code: 57375

Paraphrased and Standardized Quote from Catalina for this same day loan of $129000, provided by Farmers State Bank

Hello, I am Catalina and my hometown is Stickney in South Dakota. Aurora, county is where I grew up, and now I need a same day loan in South Dakota for $129000 to buy a car. It has been difficult, but Farmers State Bank really came through for me with this loan for 6.6% interest APR and a term of 3 years. I can probably repay the loan over the 3 year term, including interest. A big thanks to Farmers State Bank for giving me a chance and my terrible credit. It look me 4 years to create my credit to 327, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.

Previous requests on Catalina’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$99150.00 5 8.5% $2034.21 The Peoples Bank August 11, 2012
$99230.00 5 7.6% $1993.08 First State Bank of Claremont July 13, 2013
$98820.00 9 9.4% $1359.35 Security State Bank July 28, 2013
$99320.00 9 11.2% $1463.64 First Western Bank June 28, 2014
$98790.00 3 7.8% $3086.61 Western Dakota Bank November 28, 2014

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

Catalina has always wanted to be an experimental psychologist, but would have to attend Indiana Wesleyan University again to become one. Catalina has other prospects as well, including agricultural sciences professor, biomedical equipment technician, and automobile mechanic, which pay $50,000 through to $97,000 per year, on average. Because of this, we think that Catalina can pay for this same day loan of $129000.

Conclusion of Catalina’s same day loan

In the end, Catalina was able to find a same day loan for $129000 with an interest rate of 10.2% interest APR from Farmers State Bank in Stickney, South Dakota repayable over 3 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.