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Consolidation Loan With Low APR In Miami County, Kansas

$36000 Consolidation Loan – Louisburg Kansas, Credit Rating Of 717

  • Experian: 734 – This individual had a good Experian score
  • Transunion: 698 – Leatha had a good credit score with Transunion.
  • Equifax: Leatha’s Experian score was 717, which is a good credit score with the Experian rating scheme.

Contact Details for The First National Bank of Louisburg, the provider of this consolidation loan

  • The First National Bank of Louisburg
  • City: Louisburg
  • State: Kansas
  • Address: 1201 West Amity Street
  • County: Miami
  • Zip code: 66053

Signature Loan acquired in Louisburg, Kansas for $36000 with good credit by Leatha

Many borrowers have difficulty with obtaining signature loans in Louisburg, Kansas, and Leatha is not an exception. Leatha went to 5 lenders or more before settling on The First National Bank of Louisburg, who offered Leatha a signature loan for $36000. Most signature loans simply require a client, like Leatha’s signature to get them, up to $42,000 in some cases. Leatha was able to get $36000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans don’t require collateral, they generally need improved credit, as high as 720

Previous requests on Leatha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$138390.00 7 11.4% $2398.78 Citizens Bank and Trust Company May 6, 2009
$137590.00 10 7.6% $1640.41 The Morrill and Janes Bank and Trust Company July 20, 2012
$138200.00 8 8.1% $1960.72 The Citizens State Bank, Liberal, Kansas August 12, 2014
$138170.00 7 11.1% $2373.08 Citizens State Bank May 5, 2015
$138340.00 10 5.4% $1494.51 The Peoples Bank July 3, 2015

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

Average debt consolidation loans vary from $23,000.00 to $58,000.00. They are normally used to pay off existing high interest loans like credit cards. Leatha required a debt consolidation loan to pay for their existing consolidation loan and their loan shark loan. Leatha was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.8%.

9 Months in the Past, Leatha Tried to Find a High Risk Loan for $23,000.00, and it was Easy

It is an well known struggle for clients to get high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Leatha. Leatha decided not to get a high risk loan this time. High Risk loans are given to terrible credit individuals. Borrowers with credit ratings as low as 302 can inquire for a high risk loan and have a chance to be accepted.

Paraphrased and Standardized Quote from Leatha for this consolidation loan of $36000, provided by The First National Bank of Louisburg

Hello, I am Leatha and I’m from Louisburg in Kansas. Miami, county is where I grew up, and now I need a consolidation loan in Kansas for $36000 to pay bills. It wasn’t easy, but The First National Bank of Louisburg really came through for me with this loan for 10.4% interest APR and a term of 7 years. I can probably repay the loan over the 7 year term, including interest. A big thanks to The First National Bank of Louisburg for giving me a chance and my good credit. It look me 5 years to create my credit to 717, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Leatha has a low current yearly income, but has a large amount of prospects

Leatha has always wanted to be a police artist, but would need attend St Francis Medical Center-School of Radiologic Technology again to achieve it. Leatha has other possibilities as well, including narcotics investigator, sport psychologist, and property assessor, which pay $50,000 through to $107,000 per year, on average. Because of this, we believe that Leatha can afford this consolidation loan of $36000.

Installment loan for Leatha, a graduate of St Francis Medical Center-School of Radiologic Technology and a benefits manager working for over $66,000 per year

Leatha, an alumnus at St Francis Medical Center-School of Radiologic Technology and a benefits manager in Louisburg, Kansas needs a consolidation loan to purchase a new cell phone. Leatha has instead decided to get an installment loan for $16,000 and is at present seeking lenders like The Bank of Tescott to process their request.

Fast Loans for Leatha in Louisburg, Kansas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Louisburg, Kansas aren’t actually that difficult to obtain, especially if you have some gumption like Leatha. Leatha was able to find a fast loan for $36000 from The Mission State Bank & Trust Company and Peoples Bank and Trust Company, but turned down both offers in favor of their consolidation loan from The First National Bank of Louisburg. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big improvement if a client is in a time sensitive situation.

Multiple other requests for credit have been made by Leatha in the past, including one from Liberty Bank and Trust Company in Louisburg, Kansas before Leatha was accepted for the $36000 by The First National Bank of Louisburg

Leatha made 7 prior attempts to obtain a consolidation loan, 2 of which were with Liberty Bank and Trust Company, a lender in Louisburg, Kansas known to specialize in consolidation loans specifically. Before finding The First National Bank of Louisburg, Leatha was concerned due to their inexperience and good credit score.

Personal Loan for a benefits manager named Leatha in Louisburg, Kansas to Pay Off Los Angeles Angels BankAmericard Cash Rewards MasterCard

Leatha had a tonne of credit card debt on their Saint Leo University Credit Card and their Bangor Savings Bank Credit Cards, and they were starting to get in over their heads. Despite Leatha’s job as a benefits manager, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Leatha was 21, they tried to obtain a student loan from 5 different banks, which damaged their credit score. Below is a list of Leatha’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on February 20, 2009
  • Attempt 2) Loan for $27,000.00 on August 14, 2013
  • Attempt 3) Loan for $33,000.00 on February 10, 2012
  • Attempt 4) Loan for $30,000.00 on December 8, 2011
  • Attempt 5) Loan for $34,000.00 on March 9, 2009

Leatha’s Transunion score was altered by the consolidation loan loan, changing to 698 from 717, which is typical in our experience.

Transunion Score: 698

Leatha was not approved by Citizens State Bank 4 times before being granted funding by The First National Bank of Louisburg at 1201 West Amity Street

On September 23, 2011, Leatha applied about borrowing $13,000 from The Bank of Tescott with Brittney, their friend from just outside Louisburg, and even with the co-signer, Leatha was rejected for this consolidation loan. With good credit, it can be very hard to procure financing, even with collateral and a co-signer.

Before applying for this consolidation loan, Leatha had an Experian score of 734, which is good, so The First National Bank of Louisburg probably cannot provide Leatha a consolidation loan

Experian Score: 734

Client Profile: Leatha Lannom of Louisburg, Kansas
  • Full name (Changed if requested): Leatha Lannom
  • Current Credit: loans.hit.utils.Fico@70177ecd
  • Current City: Louisburg
  • State: Kansas
  • Zip code: 66057
  • Yearly income: $60,000
  • Current Job: benefits manager
  • Current County: Miami
  • Goal Yearly Income: $113,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Leatha’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their benefits manager job and their future career as a police artist

Fico Score: 717

Conclusion of Leatha’s consolidation loan

In the end, Leatha was able to find a consolidation loan for $36000 with an interest rate of 11.8% interest APR from The First National Bank of Louisburg in Louisburg, 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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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.