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Emergency Loan For $24000 Near 48056, Michigan With A Credit Score Of 719

$24000 Emergency Loan – Pontiac Michigan, Credit Score Of 719

  • Experian: 731 – The client had a good Experian score
  • Transunion: 701 – Luanna had a good credit score with Transunion.
  • Equifax: Luanna’s Experian score was 719, which is a good credit score with the Experian system.

Installment loan for Luanna, a graduate of Azusa Pacific University and a field health officer working for over $71,000 per year

Luanna, an alumnus at Azusa Pacific University and a field health officer in Pontiac, Michigan wants an emergency loan to purchase something frivolous. Luanna has instead decided to obtain an installment loan for $6,000 and is at present seeking lenders like Citizens Bank to process their request.

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

Average debt consolidation loans vary from $31,000.00 to $41,000.00. They are typically used to pay off existing high interest loans like credit cards. Luanna required a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Luanna was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.3%.

Luanna’s Transunion score was changed by the emergency loan loan, changing to 701 from 719, which is normal in our experience.

Transunion Score: 701

Before applying for this emergency loan, Luanna had an Experian score of 731, which is good, so Pontiac State Bank probably can provide Luanna an emergency loan

Experian Score: 731

Previous requests on Luanna’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$51350.00 6 8.2% $905.35 Society Bank, Lenawee June 21, 2009
$51230.00 11 10.4% $653.04 Bank of Lenawee July 22, 2010
$50870.00 8 11.6% $815.64 First of America Bank – Alpena January 22, 2013
$51170.00 3 10.6% $1665.56 NBD Ann Arbor, National Association January 30, 2015
$51200.00 10 6.3% $576.17 First of America Bank – Mid Michigan, National Association August 10, 2015

Luanna’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their field health officer job and their future career as a dental / orthodontic office administrator

Fico Score: 719

When Luanna was 19, they tried to obtain a student loan from 6 different banks, which damaged their credit score. Below is a chronology of Luanna’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on January 4, 2013
  • Attempt 2) Loan for $28,000.00 on December 20, 2013
  • Attempt 3) Loan for $22,000.00 on March 15, 2012
  • Attempt 4) Loan for $21,000.00 on November 2, 2010
  • Attempt 5) Loan for $21,000.00 on December 15, 2009
  • Attempt 6) Loan for $32,000.00 on May 30, 2012

Luanna was declined by Isabella Bank 4 times before being granted funding by Pontiac State Bank at 28 North Saginaw Street

On January 11, 2011, Luanna applied about borrowing $4,000 from First of America Bank – Mid Michigan, National Association with Clarice, their in law from just outside Pontiac, and even with the co-signer, Luanna was rejected for this emergency loan. With good credit, it can be very hard to procure financing, even with collateral and a co-signer.

Signature Loan acquired in Pontiac, Michigan for $24000 with good credit by Luanna

Most borrowers have difficulty with obtaining signature loans in Pontiac, Michigan, and Luanna is no exception. Luanna went to 4 lenders or more prior to settling on Pontiac State Bank, who offered Luanna a signature loan for $24000. Typical signature loans simply need a client, like Luanna’s signature to obtain them, up to $28,000 in some cases. Luanna was able to get $24000 as a emergency loan, which is very high for an emergency loan. Since signature loans do not require a cosigner, they tend to need better credit, as high as 775

Several previous requests for credit have been made by Luanna in the past, including one from The Cheyenne County State Bank in Pontiac, Michigan before Luanna was approved for the $24000 by Pontiac State Bank

Luanna made 7 previous tries to obtain an emergency loan, 2 of which were with The Cheyenne County State Bank, a bank in Pontiac, Michigan known to specialize in emergency loans specifically. Prior to finding Pontiac State Bank, Luanna was concerned due to their inexperience and good credit score.

Contact Details for Pontiac State Bank, the provider of this emergency loan

  • Pontiac State Bank
  • City: Pontiac
  • State: Michigan
  • Address: 28 North Saginaw Street
  • County: Oakland
  • Zip code: 48056

8 Months in the Past, Luanna Attempted Finding a High Risk Loan for $23,000.00, and it was Hard

It is an existing struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Luanna. Luanna chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Individuals with credit scores as low as 339 can inquire for a high risk loan and may be be accepted.

Paraphrased and Standardized Quote from Luanna for this emergency loan of $24000, provided by Pontiac State Bank

Hi, I am Luanna and I’m from Pontiac in Michigan. Oakland, county is where I grew up, and now I need a emergency loan in Michigan for $24000 to renovate my home. It wasn’t easy, but Pontiac State Bank really came through for me with this loan for 11.4% interest APR and a term of 3 years. I will repay the loan over the 3 year term, including interest. A big thanks to Pontiac State Bank for trusting me and my good credit. It look me 6 years to build my credit to 719, and I won’t harm it any more. I am pleased with Find Texas Loans for helping me this far.

Luanna has a sad current total income, but has a high number of prospects

Luanna has always wanted to be a dental / orthodontic office administrator, but would have to attend Azusa Pacific University again to achieve it. Luanna has other possibilities as well, including area, business professor, and tax examiner, which pay $59,000 through to $91,000 per year, at least. For this reason, we think that Luanna can afford this emergency loan of $24000.

Personal Loan for a field health officer named Luanna in Pontiac, Michigan to Pay Off Ferrari Club of America Visa Rewards Credit Card

Luanna had a lot of credit card debt on their Staples Commercial Billing Account and their Entrust FCU Visa Student Credit Card, and they were starting to get in over their heads. Despite Luanna’s job as a field health officer, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Luanna in Pontiac, Michigan to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Pontiac, Michigan aren’t actually that difficult to obtain, especially if you have some gumption like Luanna. Luanna was able to find a fast loan for $24000 from FMB-Old State Bank and Chemical Bank Cass City, but declined both offers in favor of their emergency loan from Pontiac State Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big difference if you are on the go.

Client Profile: Luanna Oktavec of Pontiac, Michigan
  • Full name (Changed if requested): Luanna Oktavec
  • Current Credit: loans.hit.utils.Fico@b1bc7ed
  • Current City: Pontiac
  • State: Michigan
  • Zip code: 48058
  • Yearly income: $43,000
  • Current Job: field health officer
  • Current County: Oakland
  • Goal Yearly Income: $88,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Conclusion of Luanna’s emergency loan

In the end, Luanna was able to find an emergency loan for $24000 with an interest rate of 6.0% interest APR from Pontiac State Bank in Pontiac, Michigan 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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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.