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Emergency Loan For $16000 Near 67756, Kansas With A Credit Score Of 365

$16000 Emergency Loan – St. Francis Kansas, Credit Rating Of 365

  • Experian: 379 – This client had a terrible Experian score
  • Transunion: 347 – Thomasena had a terrible credit score with Transunion.
  • Equifax: Thomasena’s Experian score was 365, which is a terrible credit score on the Experian rating scheme.

Several previous requests for credit have been made by Thomasena in the past, including one from The Peoples Bank of Elkton in St. Francis, Kansas before Thomasena was accepted for the $16000 by The Cheyenne County State Bank

Thomasena made 8 prior attempts to obtain an emergency loan, 2 of which were with The Peoples Bank of Elkton, a lending institution in St. Francis, Kansas known to specialize in emergency loans specifically. Before finding The Cheyenne County State Bank, Thomasena was concerned due to their inexperience and terrible credit rating.

Thomasena’s Transunion score was altered by the emergency loan loan, changing to 347 from 365, which is typical in our experience.

Transunion Score: 347

Fast Loans for Thomasena in St. Francis, Kansas to prevent bankruptcy or harm from debt collectors.

Fast loans in St. Francis, Kansas aren’t actually that difficult to obtain, especially if you have some finesse like Thomasena. Thomasena was able to find a fast loan for $16000 from Bank IV Kansas City, National Association and Citizens State Bank, but declined both offers in favor of their emergency loan from The Cheyenne County State Bank. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. An improvement if you are in a pinch.

Contact Details for The Cheyenne County State Bank, the provider of this emergency loan

  • The Cheyenne County State Bank
  • City: St. Francis
  • State: Kansas
  • Address: Main Street
  • County: Cheyenne
  • Zip code: 67756

Previous requests on Thomasena’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$68310.00 3 10.8% $2229.92 Citizens Bank and Trust Company January 17, 2011
$68290.00 4 8.8% $1692.92 The Morrill and Janes Bank and Trust Company October 17, 2014
$68200.00 7 7.8% $1056.2 The Citizens State Bank, Liberal, Kansas June 15, 2015
$67590.00 11 9.5% $827.21 Citizens State Bank June 28, 2015

Thomasena’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their animation cartoonist job and their future career as a family caseworker

Fico Score: 365

Client Profile: Thomasena Homa of St. Francis, Kansas
  • Full name (Changed if requested): Thomasena Homa
  • Current Credit: loans.hit.utils.Fico@66a29884
  • Current City: St. Francis
  • State: Kansas
  • Zip code: 67759
  • Yearly income: $55,000
  • Current Job: animation cartoonist
  • Current County: Cheyenne
  • Goal Yearly Income: $81,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Before applying for this emergency loan, Thomasena had an Experian score of 379, which is terrible, so The Cheyenne County State Bank likely cannot provide Thomasena an emergency loan

Experian Score: 379

When Thomasena was 18, they tried to obtain a student loan from 5 alternate lenders, which harmed their credit score. Below is a list of Thomasena’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on November 5, 2011
  • Attempt 2) Loan for $37,000.00 on November 29, 2011
  • Attempt 3) Loan for $34,000.00 on July 16, 2012
  • Attempt 4) Loan for $22,000.00 on October 8, 2013
  • Attempt 5) Loan for $20,000.00 on July 19, 2012

Personal Loan for an animation cartoonist named Thomasena in St. Francis, Kansas to Pay Off BankAmericard Credit Card for Students

Thomasena had a tonne of credit card debt on their First Tennessee Platinum Premier Visa and their Neiman Marcus Credit Card, and they were starting to get in over their heads. Despite Thomasena’s job as an animation cartoonist, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Thomasena was declined by The Citizens State Bank, Liberal, Kansas 5 times prior to being granted funding by The Cheyenne County State Bank at Main Street

On January 18, 2012, Thomasena inquired about borrowing $12,000 from Citizens State Bank with Loriann, their in law from just outside St. Francis, and even with the co-signer, Thomasena was rejected for this emergency loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.

9 Months Ago, Thomasena Attempted Finding a High Risk Loan for $45,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Thomasena. Thomasena decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Clients with credit ratings as low as 445 can inquire for a high risk loan and possibly can be approved.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $29,000.00 to $45,000.00. They are normally used to pay off existing high interest loans like credit cards. Thomasena needed a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Thomasena was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.4%.

Thomasena has a sad current total income, but has several of prospects

Thomasena has always wanted to be a family caseworker, but would have to attend Indiana Wesleyan University again to become one. Thomasena has other prospects as well, including oceanographic assistant, interpreter for the hearing impaired, and licensed practical nurse, which pay $51,000 through to $92,000 per year, at least. For this reason, we believe that Thomasena can pay for this emergency loan of $16000.

Installment loan for Thomasena, a graduate of Indiana Wesleyan University and an animation cartoonist working for over $62,000 per year

Thomasena, an alumnus at Indiana Wesleyan University and an animation cartoonist in St. Francis, Kansas wants an emergency loan to purchase something frivolous. Thomasena has instead decided to get an installment loan for $4,000 and is currently seeking lenders like Bank of Labor to provide it.

Paraphrased and Standardized Quote from Thomasena for this emergency loan of $16000, provided by The Cheyenne County State Bank

Hello, I am Thomasena and my hometown is St. Francis in Kansas. Cheyenne, county is where I grew up, and now I need a emergency loan in Kansas for $16000 to buy a big ticket item. It wasn’t easy, but The Cheyenne County State Bank really came through for me with this loan for 11.3% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to The Cheyenne County State Bank for trusting me and my terrible credit. It look me 6 years to create my credit to 365, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Signature Loan easily acquired in St. Francis, Kansas for $16000 with terrible credit by Thomasena

Many borrowers struggle with obtaining signature loans in St. Francis, Kansas, and Thomasena is not an exception. Thomasena went to 7 lending institutions or more before settling on The Cheyenne County State Bank, who offered Thomasena a signature loan for $16000. Most signature loans simply require a client, like Thomasena’s signature to get them, up to $38,000 in some cases. Thomasena was able to get $16000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t need collateral, they generally need improved credit, as high as 733

Conclusion of Thomasena’s emergency loan

In the end, Thomasena was able to find an emergency loan for $16000 with an interest rate of 11.1% interest APR from The Cheyenne County State Bank in St. Francis, Kansas repayable over 3 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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