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Direct Loan With Reasonable APR In St. Louis County, Missouri

$27000 Direct Loan – St. Ann Missouri, Credit Rating Of 816

  • Experian: 830 – This client had an excellent Experian score
  • Transunion: 804 – Mercedez had an excellent credit score with Transunion.
  • Equifax: Mercedez’s Experian score was 816, which is an excellent credit rating on the Experian rating scheme.

Mercedez was not approved by Commerce Bank of Tower Grove 7 times before being granted funding by Mega Bank at 10449 St. Charles Rock Road

On October 17, 2013, Mercedez inquired about borrowing $44,000 from Southwest Bank, An M&I Bank with Pamula, their in law from just outside St. Ann, and even with the co-signer, Mercedez was rejected for this direct loan. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.

Client Profile: Mercedez Bettes of St. Ann, Missouri
  • Full name (Changed if requested): Mercedez Bettes
  • Current Credit: loans.hit.utils.Fico@1ddc4ec2
  • Current City: St. Ann
  • State: Missouri
  • Zip code: 63082
  • Yearly income: $60,000
  • Current Job: retail sales department supervisor
  • Current County: St. Louis
  • Goal Yearly Income: $148,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

When Mercedez was 24, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit score. Below is a chronology of Mercedez’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on November 20, 2010
  • Attempt 2) Loan for $33,000.00 on October 19, 2010
  • Attempt 3) Loan for $31,000.00 on October 7, 2009
  • Attempt 4) Loan for $31,000.00 on November 6, 2010
  • Attempt 5) Loan for $31,000.00 on January 10, 2010
  • Attempt 6) Loan for $32,000.00 on September 14, 2011
  • Attempt 7) Loan for $22,000.00 on July 11, 2011

Paraphrased and Standardized Quote from Mercedez for this direct loan of $27000, provided by Mega Bank

Hi, I am Mercedez and my hometown is St. Ann in Missouri. St. Louis, county is where I grew up, and now I need a direct loan in Missouri for $27000 to avoid bankruptcy. It wasn’t easy, but Mega Bank really came through for me with this loan for 10.8% interest APR and a term of 18 years. I will repay the loan over the 18 year term, including interest. A big thanks to Mega Bank for trusting me and my excellent credit. It look me 7 years to create my credit to 816, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Previous requests on Mercedez’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$129100.00 5 6.5% $2525.99 Camden County Bank June 29, 2011
$129360.00 4 8.3% $3176.3 Glasgow Savings Bank April 2, 2012
$128590.00 4 5.8% $3008.16 Central Bank November 28, 2012
$128780.00 11 6.7% $1381.48 Midwest BankCentre May 2, 2014

Installment loan for Mercedez, a graduate of Los Angeles Academy of Figurative Art and a retail sales department supervisor working for over $62,000 per year

Mercedez, an alumnus at Los Angeles Academy of Figurative Art and a retail sales department supervisor in St. Ann, Missouri needs a direct loan to purchase a car. Mercedez has instead decided to obtain an installment loan for $6,000 and is currently seeking lenders like Commerce Bank of Moberly, National Association to provide it.

Contact Details for Mega Bank, the provider of this direct loan

  • Mega Bank
  • City: St. Ann
  • State: Missouri
  • Address: 10449 St. Charles Rock Road
  • County: St. Louis
  • Zip code: 63074

Mercedez has a very low current total income, but has several of prospects

Mercedez has always wanted to be a military officer, but would have to attend Los Angeles Academy of Figurative Art again to become one. Mercedez has other possibilities as well, including art director, foreign service peacekeeping specialist, and preschool administrator, which pay $53,000 through to $98,000 per year, on average. Because of this, we think that Mercedez can pay for this direct loan of $27000.

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

Most debt consolidation loans vary from $33,000.00 to $45,000.00. They are mainly used to pay off existing high interest loans like credit cards. Mercedez needed a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Mercedez was able to find a direct 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 a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.1%.

7 Months in the Past, Mercedez Tried Finding a High Risk Loan for $43,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Mercedez. Mercedez decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Borrowers with credit scores as low as 477 can apply for a high risk loan and have a chance to be accepted.

Fast Loans for Mercedez in St. Ann, Missouri to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in St. Ann, Missouri aren’t actually that difficult to obtain, particularly if you have some finesse like Mercedez. Mercedez was able to find a fast loan for $27000 from Bremen Bank and Trust Company and Lindell Bank & Trust Company, but declined both offers in favor of their direct loan from Mega Bank. 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 6 weeks for personal loans. Much better if a borrower is in a pinch.

Signature Loan found in St. Ann, Missouri for $27000 with excellent credit by Mercedez

A lot of borrowers have difficulty with finding signature loans in St. Ann, Missouri, and Mercedez is not an exception. Mercedez went to 5 lenders or more prior to finding Mega Bank, who offered Mercedez a signature loan for $27000. Most signature loans simply require a client, like Mercedez’s signature to obtain them, up to $40,000 in some cases. Mercedez was able to get $27000 as a direct loan, which is very high for a direct loan. Since signature loans do not require a cosigner, they tend to require improved credit, as high as 760

Many other requests for credit have been made by Mercedez in the past, including one from One Valley Bank – South, Inc. in St. Ann, Missouri before Mercedez was approved for the $27000 by Mega Bank

Mercedez made 5 previous attempts to obtain a direct loan, 2 of which were with One Valley Bank – South, Inc., a bank in St. Ann, Missouri known to specialize in direct loans specifically. Prior to finding Mega Bank, Mercedez was concerned due to their inexperience and excellent credit score.

Personal Loan for a retail sales department supervisor named Mercedez in St. Ann, Missouri to Pay Off Houston Astros BankAmericard Cash Rewards MasterCard

Mercedez had a tonne of credit card debt on their New York Yankees BankAmericard Cash Rewards MasterCard and their Spirit Airlines World MasterCard Credit Card, and they were starting to get in over their heads. Despite Mercedez’s job as a retail sales department supervisor, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this direct loan, Mercedez had an Experian score of 830, which is excellent, so Mega Bank probably cannot provide Mercedez a direct loan

Experian Score: 830

Mercedez’s Transunion score was altered by the direct loan loan, changing to 804 from 816, which is normal in our experience.

Transunion Score: 804

Mercedez’s Overall FICO score at the time of acceptance for a direct loan, taking into account their retail sales department supervisor job and their future career as a military officer

Fico Score: 816

Conclusion of Mercedez’s direct loan

In the end, Mercedez was able to find a direct loan for $27000 with an interest rate of 8.4% interest APR from Mega Bank in St. Ann, Missouri repayable over 18 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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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.