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Direct Loan With Reasonable APR In Uinta County, Wyoming

$141000 Direct Loan – Evanston Wyoming, Credit Score Of 672

  • Experian: 686 – They had a good Experian score
  • Transunion: 654 – Bobby had a good credit rating with Transunion.
  • Equifax: Bobby’s Experian score was 672, which is a good credit score using the Experian system.

Bobby’s Overall FICO score at the time of acceptance for a direct loan, taking into account their food preparation worker job and their future job as a soil conservation technician

Fico Score: 672

7 Months in the Past, Bobby Tried to Find a High Risk Loan for $48,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Bobby. Bobby decided not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Borrowers with credit ratings as low as 349 can inquire for a high risk loan and possibly can be approved.

Installment loan for Bobby, a graduate of Chesapeake College and a food preparation worker working for over $69,000 per year

Bobby, an alumnus at Chesapeake College and a food preparation worker in Evanston, Wyoming needs a direct loan to purchase a car. Bobby has instead chosen to obtain an installment loan for $18,000 and is at present seeking lenders like Key Bank of Wyoming – Fourth and Buffalo, Rawlins, Wyoming 82301 to process their request.

Client Profile: Bobby Poteet of Evanston, Wyoming
  • Full name (Changed if requested): Bobby Poteet
  • Current Credit: loans.hit.utils.Fico@7530d0a
  • Current City: Evanston
  • State: Wyoming
  • Zip code: 82939
  • Yearly income: $64,000
  • Current Job: food preparation worker
  • Current County: Uinta
  • Goal Yearly Income: $88,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Personal Loan for a food preparation worker named Bobby in Evanston, Wyoming to Pay Off P.C. Richard & Son Credit Card

Bobby had a lot of credit card debt on their Delaware National Bank Credit Cards and their Regions Platinum Plus Student MasterCard, and they were starting to get in over their heads. Despite Bobby’s job as a food preparation worker, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

When Bobby was 18, they attempted to obtain a student loan from 6 alternate lenders, which damaged their credit rating. Below is a chronology of Bobby’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on January 14, 2009
  • Attempt 2) Loan for $30,000.00 on March 5, 2012
  • Attempt 3) Loan for $35,000.00 on April 24, 2009
  • Attempt 4) Loan for $20,000.00 on February 17, 2009
  • Attempt 5) Loan for $21,000.00 on July 11, 2011
  • Attempt 6) Loan for $33,000.00 on April 29, 2014

Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $34,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Bobby needed a debt consolidation loan to pay for their existing direct loan and their payday loan. Bobby was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.5%.

Signature Loan easily acquired in Evanston, Wyoming for $141000 with good credit by Bobby

A lot of prospective borrowers have difficulty with obtaining signature loans in Evanston, Wyoming, and Bobby is not an exception. Bobby went to 6 lenders or more prior to finding American National Bank of Evanston, who offered Bobby a signature loan for $141000. Typical signature loans simply require a client, like Bobby’s signature to obtain them, up to $23,000 in some cases. Bobby was able to get $141000 as a direct loan, which is very high for a direct loan. Since signature loans do not require a cosigner, they tend to require higher credit, as high as 772

Fast Loans for Bobby in Evanston, Wyoming to prevent bankruptcy or harm from debt collectors.

Fast loans in Evanston, Wyoming aren’t actually that difficult to obtain, especially if you have some gumption like Bobby. Bobby was able to find a fast loan for $141000 from Key Bank of Wyoming – 303 Main Street, Lander, Wyoming 82520 and Wells Fargo Bank Wyoming, National Association, but declined both offers in favor of their direct loan from American National Bank of Evanston. 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 6 weeks for installment loans. An improvement in the case that a client is on the go.

Bobby’s Transunion score was altered by the direct loan loan, changing to 654 from 672, which is normal in our experience.

Transunion Score: 654

Paraphrased and Standardized Quote from Bobby for this direct loan of $141000, provided by American National Bank of Evanston

Hello, I am Bobby and I am from Evanston in Wyoming. Uinta, county is where I grew up, and now I need a direct loan in Wyoming for $141000 to buy a big ticket item. It wasn’t easy, but American National Bank of Evanston really came through for me with this loan for 11.3% interest APR and a term of 1 years. I can probably repay the loan over the 1 year term, including interest. A big thanks to American National Bank of Evanston for trusting me and my good credit. It look me 5 years to create my credit to 672, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Before applying for this direct loan, Bobby had an Experian score of 686, which is good, so American National Bank of Evanston probably cannot provide Bobby a direct loan

Experian Score: 686

Bobby was not approved by First Northern Bank of Wyoming 7 times before being approved by American National Bank of Evanston at 50 Yellow Creek Road

On June 11, 2011, Bobby applied about borrowing $45,000 from First Interstate Bank of Wyoming, National Association with Caryl, their in law from just outside Evanston, and even with the co-signer, Bobby was rejected for this direct loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Previous requests on Bobby’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$49330.00 8 5.7% $641.08 The Jackson State Bank November 3, 2011
$49120.00 4 7.2% $1180.8 FirsTier Bank, Wyoming March 31, 2014
$49320.00 6 8.8% $884.13 First Interstate Bank July 13, 2014
$49350.00 10 11.4% $691.02 Saratoga State Bank January 28, 2015
$48900.00 5 6.1% $947.65 Farmers State Bank March 5, 2015

Many other requests for credit have been made by Bobby in the past, including one from First State Bank in Evanston, Wyoming before Bobby was approved for the $141000 by American National Bank of Evanston

Bobby made 5 prior attempts to obtain a direct loan, 2 of which were with First State Bank, a bank in Evanston, Wyoming known to specialize in direct loans specifically. Before finding American National Bank of Evanston, Bobby was desperate due to their inexperience and good credit rating.

Contact Details for American National Bank of Evanston, the provider of this direct loan

  • American National Bank of Evanston
  • City: Evanston
  • State: Wyoming
  • Address: 50 Yellow Creek Road
  • County: Uinta
  • Zip code: 82930

Bobby has a disappointing current yearly income, but has a high number of prospects

Bobby has always wanted to be a soil conservation technician, but would need attend Chesapeake College again to achieve it. Bobby has other prospects as well, including parking lot attendant, court reporter, and medical examiner/coroner, which pay $54,000 through to $92,000 per year, at least. For this reason, we think that Bobby can afford this direct loan of $141000.

Conclusion of Bobby’s direct loan

In the end, Bobby was able to find a direct loan for $141000 with an interest rate of 11.6% interest APR from American National Bank of Evanston in Evanston, Wyoming repayable over 1 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.