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Debt Consolidation Loan With Very Low APR In Mason County, Kentucky

$88000 Debt Consolidation Loan – Maysville Kentucky, Credit Rating Of 729

  • Experian: 742 – This individual had an excellent Experian score
  • Transunion: 716 – Walton had an excellent credit score with Transunion.
  • Equifax: Walton’s Experian score was 729, which is an excellent credit rating using the Experian system.

Personal Loan for a sales representitive named Walton in Maysville, Kentucky to Pay Off Houston Texans NFL Extra Points Visa Signature Card

Walton had a lot of credit card debt on their DISTANCIA Visa Secured Card and their Fulton Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Walton’s job as a sales representitive, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Client Profile: Walton Kantz of Maysville, Kentucky
  • Full name (Changed if requested): Walton Kantz
  • Current Credit: loans.hit.utils.Fico@30dae81
  • Current City: Maysville
  • State: Kentucky
  • Zip code: 41061
  • Yearly income: $30,000
  • Current Job: sales representitive
  • Current County: Mason
  • Goal Yearly Income: $87,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $33,000.00 to $51,000.00. They are typically used to pay off existing high interest loans like credit cards. Walton needed a debt consolidation loan to pay for their existing debt consolidation loan and their payday loan. Walton was able to find a debt consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.2%.

Previous requests on Walton’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$46260.00 10 7.4% $546.7 Stock Yards Bank & Trust Company April 4, 2012
$45900.00 3 9.7% $1474.61 Farmers Deposit Bank of Brandenburg May 25, 2013
$46150.00 6 10.6% $869.0 Citizens Bank August 21, 2014
$45850.00 3 11.5% $1511.95 Citizens Bank & Trust Company, Burgin, Kentucky January 25, 2015

Paraphrased and Standardized Quote from Walton for this debt consolidation loan of $88000, provided by First Federal Savings and Loan Association

Hello, I am Walton and my hometown is Maysville in Kentucky. Mason, county is where I grew up, and now I need a debt consolidation loan in Kentucky for $88000 to buy a big ticket item. It wasn’t easy, but First Federal Savings and Loan Association really came through for me with this loan for 10.0% interest APR and a term of 18 years. I can repay the loan over the 18 year term, including interest. A big thanks to First Federal Savings and Loan Association for trusting me and my excellent credit. It look me 4 years to create my credit to 729, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Fast Loans for Walton in Maysville, Kentucky to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Maysville, Kentucky aren’t actually that difficult to obtain, particularly if you have some finesse like Walton. Walton was able to find a fast loan for $88000 from Farmers Deposit Bank and Kentucky National Bank of Pendleton County, but turned down both offers in favor of their debt consolidation loan from First Federal Savings and Loan Association. 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 5 weeks for installment loans. A big difference in the case that a borrower is on the go.

Before applying for this debt consolidation loan, Walton had an Experian score of 742, which is excellent, so First Federal Savings and Loan Association most likely cannot provide Walton a debt consolidation loan

Experian Score: 742

Signature Loan found in Maysville, Kentucky for $88000 with excellent credit by Walton

Most clients struggle with obtaining signature loans in Maysville, Kentucky, and Walton is the same. Walton went to 7 lending institutions or more prior to finding First Federal Savings and Loan Association, who offered Walton a signature loan for $88000. Most signature loans simply require a client, like Walton’s signature to obtain them, up to $25,000 in some cases. Walton was able to get $88000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans do not need collateral, they generally need higher credit, as high as 718

Many other requests for credit have been made by Walton in the past, including one from Independent Bank – Balch Springs, National Association in Maysville, Kentucky before Walton was approved for the $88000 by First Federal Savings and Loan Association

Walton made 5 prior attempts to obtain a debt consolidation loan, 2 of which were with Independent Bank – Balch Springs, National Association, a lender in Maysville, Kentucky known to specialize in debt consolidation loans specifically. Prior to finding First Federal Savings and Loan Association, Walton was concerned due to their inexperience and excellent credit rating.

When Walton was 23, they attempted to obtain a student loan from 7 different banks, which damaged their credit score. Below is a list of Walton’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on January 19, 2012
  • Attempt 2) Loan for $29,000.00 on January 9, 2012
  • Attempt 3) Loan for $28,000.00 on February 9, 2010
  • Attempt 4) Loan for $37,000.00 on September 25, 2010
  • Attempt 5) Loan for $32,000.00 on August 21, 2011
  • Attempt 6) Loan for $35,000.00 on July 2, 2009
  • Attempt 7) Loan for $26,000.00 on December 10, 2009

8 Months Ago, Walton Tried to Find a High Risk Loan for $37,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Walton. Walton decided not to obtain a high risk loan this time. High Risk loans are given to very low credit clients. Borrowers with credit ratings as low as 529 can inquire for a high risk loan and may be be accepted.

Contact Details for First Federal Savings and Loan Association, the provider of this debt consolidation loan

  • First Federal Savings and Loan Association
  • City: Maysville
  • State: Kentucky
  • Address: 216 Stanley F Reed Court
  • County: Mason
  • Zip code: 41056

Installment loan for Walton, a graduate of Charter College – Canyon Country and a sales representitive working for over $74,000 per year

Walton, an alumnus at Charter College – Canyon Country and a sales representitive in Maysville, Kentucky wants a debt consolidation loan to purchase a house. Walton has instead chosen to get an installment loan for $23,000 and is at present seeking lenders like Farmers Deposit Bank to provide it.

Walton was rejected by The First State Bank of Pineville 5 times before being accepted by First Federal Savings and Loan Association at 216 Stanley F Reed Court

On September 19, 2012, Walton applied about borrowing $26,000 from Stock Yards Bank & Trust Company with Olinda, their in law from just outside Maysville, and even with the co-signer, Walton was rejected for this debt consolidation loan. With excellent credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Walton’s Transunion score was changed by the debt consolidation loan loan, changing to 716 from 729, which is normal in our experience.

Transunion Score: 716

Walton’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their sales representitive job and their future job as a forest and conservation technician

Fico Score: 729

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

Walton has always wanted to be a forest and conservation technician, but would have to attend Charter College – Canyon Country again to achieve it. Walton has other prospects as well, including airline flight control administrator, credit adjuster, and petroleum laboratory assistant, which pay $56,000 through to $107,000 per year, at least. Because of this, we believe that Walton can pay for this debt consolidation loan of $88000.

Conclusion of Walton’s debt consolidation loan

In the end, Walton was able to find a debt consolidation loan for $88000 with an interest rate of 6.1% interest APR from First Federal Savings and Loan Association in Maysville, Kentucky repayable over 18 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.