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Emergency Loan With Reasonable APR In Blue Earth County, Minnesota

$57000 Emergency Loan – Mankato Minnesota, Credit Rating Of 826

  • Experian: 836 – This individual had an excellent Experian score
  • Transunion: 807 – Providencia had an excellent credit score with Transunion.
  • Equifax: Providencia’s Experian score was 826, which is an excellent credit score with the Experian system.

Previous requests on Providencia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$109100.00 7 10.5% $1839.5 Marquette Bank Cannon Falls April 16, 2011
$109380.00 9 6.4% $1334.93 Root River State Bank September 21, 2012
$109160.00 4 9.7% $2752.88 Clinton State Bank November 22, 2012
$108640.00 4 7.5% $2626.8 Peoples State Bank of Plainview June 2, 2013

Fast Loans for Providencia in Mankato, Minnesota to prevent bankruptcy or harm from debt collectors.

Fast loans in Mankato, Minnesota aren’t actually that difficult to obtain, especially if you have some finesse like Providencia. Providencia was able to find a fast loan for $57000 from Marquette Bank University, National Association and State Bank of Park Rapids, but declined both offers in favor of their emergency loan from First Bank South, National Association. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. An improvement in the case that a borrower is in a pinch.

When Providencia was 23, they tried to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a list of Providencia’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on August 19, 2011
  • Attempt 2) Loan for $23,000.00 on October 18, 2008
  • Attempt 3) Loan for $29,000.00 on January 6, 2009
  • Attempt 4) Loan for $37,000.00 on April 19, 2010

Paraphrased and Standardized Quote from Providencia for this emergency loan of $57000, provided by First Bank South, National Association

Hello, I am Providencia and my hometown is Mankato in Minnesota. Blue Earth, county is where I grew up, and now I need a emergency loan in Minnesota for $57000 to pay bills. It wasn’t easy, but First Bank South, National Association really came through for me with this loan for 5.7% interest APR and a term of 10 years. I will repay the loan over the 10 year term, including interest. A big thanks to First Bank South, National Association for giving me a chance and my excellent credit. It look me 5 years to build my credit to 826, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.

Many previous requests for credit have been made by Providencia in the past, including one from LaSalle Bank, F.S.B. in Mankato, Minnesota before Providencia was approved for the $57000 by First Bank South, National Association

Providencia made 7 prior attempts to obtain an emergency loan, 2 of which were with LaSalle Bank, F.S.B., a lending institution in Mankato, Minnesota known to specialize in emergency loans specifically. Before finding First Bank South, National Association, Providencia was desperate due to their inexperience and excellent credit rating.

Before applying for this emergency loan, Providencia had an Experian score of 836, which is excellent, so First Bank South, National Association likely cannot provide Providencia an emergency loan

Experian Score: 836

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $39,000.00 to $55,000.00. They are normally used to pay off existing high interest loans like credit cards. Providencia required a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Providencia was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.8%.

Signature Loan acquired in Mankato, Minnesota for $57000 with excellent credit by Providencia

Most prospective borrowers struggle with finding signature loans in Mankato, Minnesota, and Providencia is no different. Providencia went to 8 lenders or more prior to settling on First Bank South, National Association, who offered Providencia a signature loan for $57000. Typical signature loans simply need a client, like Providencia’s signature to get them, up to $26,000 in some cases. Providencia was able to get $57000 as a emergency loan, which is very high for an emergency loan. Since signature loans do not need collateral, these loans tend to need better credit, as high as 727

Providencia’s Transunion score was changed by the emergency loan loan, changing to 807 from 826, which is normal in our experience.

Transunion Score: 807

Personal Loan for a correction officer named Providencia in Mankato, Minnesota to Pay Off Total Rewards Visa Credit Card by Harrah’s Entertainment

Providencia had a tonne of credit card debt on their Lane Bryant Credit Card and their AirBP Sterling Card, and they were starting to get in over their heads. Despite Providencia’s job as a correction officer, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

9 Months in the Past, Providencia Tried Finding a High Risk Loan for $35,000.00, and it was Hard

There is an well known struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Providencia. Providencia chose not to get a high risk loan this time. High Risk loans are given to bad credit borrowers. Borrowers with credit ratings as low as 314 can apply for a high risk loan and may be be approved.

Client Profile: Providencia Vanbeveren of Mankato, Minnesota
  • Full name (Changed if requested): Providencia Vanbeveren
  • Current Credit: loans.hit.utils.Fico@31cefde0
  • Current City: Mankato
  • State: Minnesota
  • Zip code: 56007
  • Yearly income: $50,000
  • Current Job: correction officer
  • Current County: Blue Earth
  • Goal Yearly Income: $126,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Contact Details for First Bank South, National Association, the provider of this emergency loan

  • First Bank South, National Association
  • City: Mankato
  • State: Minnesota
  • Address: 204 South Second Street
  • County: Blue Earth
  • Zip code: 56001

Providencia has a disappointing current gross income, but has a large amount of prospects

Providencia has always wanted to be a hotel convention/events coordinator, but would have to attend Harvard University again to achieve it. Providencia has other possibilities as well, including platemakers, railroad inspector, and college/university professor, which pay $59,000 through to $109,000 per year, on average. Because of this, we think that Providencia can afford this emergency loan of $57000.

Providencia’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their correction officer job and their future job as a hotel convention/events coordinator

Fico Score: 826

Providencia was declined by Fidelity Bank and Trust Company 7 times prior to being approved by First Bank South, National Association at 204 South Second Street

On May 24, 2011, Providencia inquired about borrowing $11,000 from Atwater State Bank with Issac, their friend from just outside Mankato, and even with the co-signer, Providencia was rejected for this emergency loan. With excellent credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Installment loan for Providencia, a graduate of Harvard University and a correction officer working for over $61,000 per year

Providencia, an alumnus at Harvard University and a correction officer in Mankato, Minnesota needs an emergency loan to purchase a new cell phone. Providencia has instead decided to get an installment loan for $29,000 and is at present seeking lenders like State Bank of Park Rapids to provide it.

Conclusion of Providencia’s emergency loan

In the end, Providencia was able to find an emergency loan for $57000 with an interest rate of 11.5% interest APR from First Bank South, National Association in Mankato, Minnesota repayable over 10 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.