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Consolidation Loan For $52000 Near 66219, Kansas With A Credit Score Of 654

$52000 Consolidation Loan – Lenexa Kansas, Credit Score Of 654

  • Experian: 669 – This client had a good Experian rating
  • Transunion: 637 – Latonya had a good credit score with Transunion.
  • Equifax: Latonya’s Experian score was 654, which is a good credit score on the Experian rating scheme.

Latonya has a sad current total income, but has several of prospects

Latonya has always wanted to be a logging tractor operator, but would need attend Medical Allied Career Center again to achieve it. Latonya has other prospects as well, including furniture designer, carpet installer, and mill worker, which pay $52,000 through to $102,000 per year, at least. Because of this, we believe that Latonya can afford this consolidation loan of $52000.

Fast Loans for Latonya in Lenexa, Kansas to prevent bankruptcy or harm from debt collectors.

Fast loans in Lenexa, Kansas aren’t actually that difficult to obtain, especially if you have some gumption like Latonya. Latonya was able to find a fast loan for $52000 from Bank of Labor and The Kansas State Bank Overbrook Kansas, but declined both offers in favor of their consolidation loan from Premier Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. Much better if a borrower is in a pinch.

Installment loan for Latonya, a graduate of Medical Allied Career Center and a power-line installer and mechanic working for over $68,000 per year

Latonya, an alumnus at Medical Allied Career Center and a power-line installer and mechanic in Lenexa, Kansas needs a consolidation loan to purchase a house. Latonya has instead chosen to get an installment loan for $29,000 and is currently seeking lenders like The Bank of Tescott to provide it.

Personal Loan for a power-line installer and mechanic named Latonya in Lenexa, Kansas to Pay Off Kawasaki Good Times Credit Card

Latonya had a tonne of credit card debt on their Five Star Bank Cash Rewards American Express Card and their City National Bank of Taylor Internet Visa, and they were starting to get in over their heads. Despite Latonya’s job as a power-line installer and mechanic, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Latonya’s Transunion score was altered by the consolidation loan loan, changing to 637 from 654, which is typical in our experience.

Transunion Score: 637

Latonya was rejected by Bank IV Kansas City, National Association 6 times prior to being granted funding by Premier Bank at 15301 W 87th Street Parkway

On April 11, 2010, Latonya applied about borrowing $19,000 from The Citizens State Bank, Liberal, Kansas with Tami, their friend from just outside Lenexa, and even with the co-signer, Latonya was rejected for this consolidation loan. With good credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Latonya’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their power-line installer and mechanic job and their future job as a logging tractor operator

Fico Score: 654

When Latonya was 23, they tried to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a list of Latonya’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on November 9, 2011
  • Attempt 2) Loan for $36,000.00 on November 25, 2009
  • Attempt 3) Loan for $26,000.00 on December 21, 2010
  • Attempt 4) Loan for $35,000.00 on November 5, 2012
  • Attempt 5) Loan for $22,000.00 on July 23, 2011

Paraphrased and Standardized Quote from Latonya for this consolidation loan of $52000, provided by Premier Bank

Hi, I am Latonya and my hometown is Lenexa in Kansas. Johnson, county is where I grew up, and now I need a consolidation loan in Kansas for $52000 to avoid bankruptcy. It has been difficult, but Premier Bank really came through for me with this loan for 6.4% interest APR and a term of 7 years. I will repay the loan over the 7 year term, including interest. A big thanks to Premier Bank for giving me a chance and my good credit. It look me 8 years to build my credit to 654, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Contact Details for Premier Bank, the provider of this consolidation loan

  • Premier Bank
  • City: Lenexa
  • State: Kansas
  • Address: 15301 W 87th Street Parkway
  • County: Johnson
  • Zip code: 66219

Signature Loan acquired in Lenexa, Kansas for $52000 with good credit by Latonya

Many borrowers have difficulty with finding signature loans in Lenexa, Kansas, and Latonya is the same. Latonya went to 8 lenders or more prior to settling on Premier Bank, who offered Latonya a signature loan for $52000. Most signature loans simply need a client, like Latonya’s signature to get them, up to $20,000 in some cases. Latonya was able to get $52000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans don’t require a cosigner, these loans generally need higher credit, as high as 702

7 Months in the Past, Latonya Attempted Finding a High Risk Loan for $29,000.00, and it was Easy

There is an well known struggle for clients 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 Latonya. Latonya decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Individuals with credit ratings as low as 527 can apply for a high risk loan and have a chance to be accepted.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $22,000.00 to $54,000.00. They are mainly used to pay off existing high interest loans like credit cards. Latonya required a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Latonya was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.1%.

Client Profile: Latonya Habeck of Lenexa, Kansas
  • Full name (Changed if requested): Latonya Habeck
  • Current Credit: loans.hit.utils.Fico@2dda6444
  • Current City: Lenexa
  • State: Kansas
  • Zip code: 66228
  • Yearly income: $41,000
  • Current Job: power-line installer and mechanic
  • Current County: Johnson
  • Goal Yearly Income: $140,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Before applying for this consolidation loan, Latonya had an Experian score of 669, which is good, so Premier Bank likely cannot provide Latonya a consolidation loan

Experian Score: 669

Previous requests on Latonya’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$54490.00 8 8.6% $787.03 Citizens Bank and Trust Company June 27, 2009
$53880.00 7 10.5% $908.45 The Morrill and Janes Bank and Trust Company July 24, 2013
$53620.00 7 7.1% $811.89 The Citizens State Bank, Liberal, Kansas June 8, 2014
$53760.00 10 11.3% $749.7 Citizens State Bank April 17, 2015

Multiple other requests for credit have been made by Latonya in the past, including one from Century Savings and Loan Association in Lenexa, Kansas before Latonya was approved for the $52000 by Premier Bank

Latonya made 8 previous tries to obtain a consolidation loan, 2 of which were with Century Savings and Loan Association, a lender in Lenexa, Kansas known to specialize in consolidation loans specifically. Before finding Premier Bank, Latonya was desperate due to their inexperience and good credit rating.

Conclusion of Latonya’s consolidation loan

In the end, Latonya was able to find a consolidation loan for $52000 with an interest rate of 8.6% interest APR from Premier Bank in Lenexa, Kansas repayable over 7 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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