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Direct Loan For $68000 Near 60510, Illinois With A Credit Score Of 319

$68000 Direct Loan – Batavia Illinois, Credit Rating Of 319

  • Experian: 335 – This client had a terrible Experian rating
  • Transunion: 307 – Niesha had a terrible credit rating with Transunion.
  • Equifax: Niesha’s Experian score was 319, which is a terrible credit score with the Experian system.

Installment loan for Niesha, a graduate of John Brown University and a correction officer working for over $62,000 per year

Niesha, an alumnus at John Brown University and a correction officer in Batavia, Illinois wants a direct loan to purchase a car. Niesha has instead chosen to get an installment loan for $16,000 and is currently seeking lenders like The National Republic Bank of Chicago to provide it.

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

Normal debt consolidation loans range from $27,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Niesha required a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Niesha was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.4%.

Before applying for this direct loan, Niesha had an Experian score of 335, which is terrible, so Pinnacle Bank FSB most likely cannot provide Niesha a direct loan

Experian Score: 335

Contact Details for Pinnacle Bank FSB, the provider of this direct loan

  • Pinnacle Bank FSB
  • City: Batavia
  • State: Illinois
  • Address: 165 West Wilson Street
  • County: Kane
  • Zip code: 60510
Client Profile: Niesha Bossi of Batavia, Illinois
  • Full name (Changed if requested): Niesha Bossi
  • Current Credit: loans.hit.utils.Fico@79fc0f2f
  • Current City: Batavia
  • State: Illinois
  • Zip code: 60513
  • Yearly income: $51,000
  • Current Job: correction officer
  • Current County: Kane
  • Goal Yearly Income: $93,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Personal Loan for a correction officer named Niesha in Batavia, Illinois to Pay Off First Command Bank Classic Visa

Niesha had a lot of credit card debt on their Lowe’s Consumer Credit Card and their Eddie Bauer Credit Card, and they were starting to get in over their heads. Despite Niesha’s job as a correction officer, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Niesha was rejected by State Bank of Clearing 5 times prior to being approved by Pinnacle Bank FSB at 165 West Wilson Street

On March 29, 2009, Niesha applied about borrowing $36,000 from Drexel National Bank with Georgeann, their friend from just outside Batavia, and even with the co-signer, Niesha was rejected for this direct loan. With terrible credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Niesha’s Overall FICO score at the time of acceptance for a direct loan, taking into account their correction officer job and their future job as an administrative assistant

Fico Score: 319

Fast Loans for Niesha in Batavia, Illinois to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Batavia, Illinois aren’t actually that difficult to obtain, especially if you have some finesse like Niesha. Niesha was able to find a fast loan for $68000 from Commerce Bank of Woodford County, National Association and LaSalle Bank NI, but turned down both offers in favor of their direct loan from Pinnacle Bank FSB. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. Much better in the case that you are on the go.

6 Months Ago, Niesha Tried Finding a High Risk Loan for $45,000.00, and it was Hard

It is an existing struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Niesha. Niesha chose not to obtain a high risk loan this time. High Risk loans are given to very low credit borrowers. Borrowers with credit ratings as low as 313 can inquire for a high risk loan and have a chance to be accepted.

Signature Loan easily acquired in Batavia, Illinois for $68000 with terrible credit by Niesha

A lot of clients struggle with finding signature loans in Batavia, Illinois, and Niesha is the same. Niesha went to 5 lending institutions or more before finding Pinnacle Bank FSB, who offered Niesha a signature loan for $68000. Most signature loans simply require a client, like Niesha’s signature to obtain them, up to $28,000 in some cases. Niesha was able to get $68000 as a direct loan, which is very high for a direct loan. Since signature loans do not need a cosigner, these loans generally require higher credit, as high as 768

Previous requests on Niesha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$143410.00 7 8.3% $2256.71 The Gerber State Bank October 17, 2010
$142720.00 6 11.5% $2753.23 The Belvidere National Bank and Trust Company October 8, 2013
$143260.00 11 5.4% $1441.73 Commerce Bank December 28, 2014
$143390.00 4 10.2% $3650.53 Byron Bank July 16, 2015

Niesha has a disappointing current yearly income, but has several of prospects

Niesha has always wanted to be an administrative assistant, but would have to attend John Brown University again to become one. Niesha has other possibilities as well, including merchandise displayer, export agent, and mechanical inspector, which pay $58,000 through to $104,000 per year, at least. For this reason, we believe that Niesha can afford this direct loan of $68000.

Multiple other requests for credit have been made by Niesha in the past, including one from The Osgood Savings Association in Batavia, Illinois before Niesha was approved for the $68000 by Pinnacle Bank FSB

Niesha made 9 prior attempts to obtain a direct loan, 2 of which were with The Osgood Savings Association, a bank in Batavia, Illinois known to specialize in direct loans specifically. Prior to finding Pinnacle Bank FSB, Niesha was concerned due to their inexperience and terrible credit rating.

When Niesha was 24, they tried to obtain a student loan from 5 alternate lenders, which harmed their credit score. Below is a list of Niesha’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on February 8, 2013
  • Attempt 2) Loan for $21,000.00 on October 26, 2008
  • Attempt 3) Loan for $29,000.00 on October 8, 2013
  • Attempt 4) Loan for $32,000.00 on January 13, 2012
  • Attempt 5) Loan for $24,000.00 on July 8, 2010

Niesha’s Transunion score was altered by the direct loan loan, changing to 307 from 319, which is normal in our experience.

Transunion Score: 307

Paraphrased and Standardized Quote from Niesha for this direct loan of $68000, provided by Pinnacle Bank FSB

Hi, I am Niesha and my hometown is Batavia in Illinois. Kane, county is where I grew up, and now I need a direct loan in Illinois for $68000 to avoid bankruptcy. It has been difficult, but Pinnacle Bank FSB really came through for me with this loan for 10.4% interest APR and a term of 9 years. I can probably repay the loan over the 9 year term, including interest. A big thanks to Pinnacle Bank FSB for giving me a chance and my terrible credit. It look me 9 years to build my credit to 319, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Conclusion of Niesha’s direct loan

In the end, Niesha was able to find a direct loan for $68000 with an interest rate of 7.0% interest APR from Pinnacle Bank FSB in Batavia, Illinois repayable over 9 years from now.

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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