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Evette Needed A Signature Loan For $84000, Cedar Rapids, Nebraska

$84000 Signature Loan – Cedar Rapids Nebraska, Credit Score Of 584

  • Experian: 600 – They had a fair Experian rating
  • Transunion: 568 – Evette had a fair credit rating with Transunion.
  • Equifax: Evette’s Experian score was 584, which is a fair credit rating using the Experian rating scheme.

Personal Loan for a parking lot attendant named Evette in Cedar Rapids, Nebraska to Pay Off Los Angeles Angels BankAmericard Cash Rewards MasterCard

Evette had a lot of credit card debt on their AAA Cash Rewards MasterCard and their New York Mets World MasterCard with Extra Bases Rewards, and they were starting to get in over their heads. Despite Evette’s job as a parking lot attendant, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Evette was declined by Citizens Bank 5 times prior to being approved by Cedar Rapids State Bank at 213 W Main St

On August 5, 2011, Evette inquired about borrowing $24,000 from Exchange Bank with Berenice, their friend from just outside Cedar Rapids, and even with the co-signer, Evette was rejected for this signature loan. With fair credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Multiple other requests for credit have been made by Evette in the past, including one from National Bank of Earlville in Cedar Rapids, Nebraska before Evette was approved for the $84000 by Cedar Rapids State Bank

Evette made 7 previous tries to obtain a signature loan, 2 of which were with National Bank of Earlville, a lending institution in Cedar Rapids, Nebraska known to specialize in signature loans specifically. Prior to finding Cedar Rapids State Bank, Evette was desperate due to their inexperience and fair credit score.

Paraphrased and Standardized Quote from Evette for this signature loan of $84000, provided by Cedar Rapids State Bank

Hi, I am Evette and I’m from Cedar Rapids in Nebraska. Boone, county is where I grew up, and now I need a signature loan in Nebraska for $84000 to renovate my home. It has been difficult, but Cedar Rapids State Bank really came through for me with this loan for 5.2% interest APR and a term of 20 years. I will repay the loan over the 20 year term, including interest. A big thanks to Cedar Rapids State Bank for giving me a chance and my fair credit. It look me 8 years to create my credit to 584, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Evette has a sad current yearly income, but has a large amount of prospects

Evette has always wanted to be a glass blower, but would need attend West Coast University again to achieve it. Evette has other possibilities as well, including petroleum geologist, fire prevention engineer, and public transportation inspector, which pay $57,000 through to $108,000 per year, at least. For this reason, we believe that Evette can afford this signature loan of $84000.

Previous requests on Evette’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$137190.00 5 11.4% $3010.28 Citizens Bank September 30, 2013
$137350.00 6 5.7% $2256.89 Stromsburg Bank September 1, 2014
$137340.00 7 10.1% $2287.11 Wahoo State Bank February 5, 2015
$137130.00 11 5.6% $1393.83 Arlington State Bank May 9, 2015
$137430.00 9 5.7% $1629.64 Mason State Bank, Mason City, Nebraska June 12, 2015

When Evette was 19, they attempted to obtain a student loan from 4 different banks, which harmed their credit rating. Below is a chronology of Evette’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on February 27, 2013
  • Attempt 2) Loan for $21,000.00 on February 22, 2011
  • Attempt 3) Loan for $38,000.00 on October 22, 2010
  • Attempt 4) Loan for $34,000.00 on October 22, 2012

Signature Loan easily acquired in Cedar Rapids, Nebraska for $84000 with fair credit by Evette

Many borrowers have difficulty with obtaining signature loans in Cedar Rapids, Nebraska, and Evette is not an exception. Evette went to 4 lenders or more before finding Cedar Rapids State Bank, who offered Evette a signature loan for $84000. Typical signature loans simply require a client, like Evette’s signature to get them, up to $22,000 in some cases. Evette was able to get $84000 as a signature loan, which is very high for a signature loan. Because signature loans don’t require a cosigner, these loans tend to require better credit, as high as 729

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $21,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Evette required a debt consolidation loan to pay for their existing signature loan and their credit card. Evette was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.1%.

Evette’s Transunion score was changed by the signature loan loan, changing to 568 from 584, which is typical in our experience.

Transunion Score: 568

Client Profile: Evette Kenning of Cedar Rapids, Nebraska
  • Full name (Changed if requested): Evette Kenning
  • Current Credit: loans.hit.utils.Fico@1d56ce6a
  • Current City: Cedar Rapids
  • State: Nebraska
  • Zip code: 68635
  • Yearly income: $67,000
  • Current Job: parking lot attendant
  • Current County: Boone
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Evette’s Overall FICO score at the time of acceptance for a signature loan, taking into account their parking lot attendant job and their future career as a glass blower

Fico Score: 584

Contact Details for Cedar Rapids State Bank, the provider of this signature loan

  • Cedar Rapids State Bank
  • City: Cedar Rapids
  • State: Nebraska
  • Address: 213 W Main St
  • County: Boone
  • Zip code: 68627

Installment loan for Evette, a graduate of West Coast University and a parking lot attendant working for over $71,000 per year

Evette, an alumnus at West Coast University and a parking lot attendant in Cedar Rapids, Nebraska wants a signature loan to purchase a house. Evette has instead chosen to obtain an installment loan for $11,000 and is currently seeking lenders like Farmers and Merchants Bank of Ashland to provide it.

Before applying for this signature loan, Evette had an Experian score of 600, which is fair, so Cedar Rapids State Bank probably cannot provide Evette a signature loan

Experian Score: 600

6 Months in the Past, Evette Tried Finding a High Risk Loan for $36,000.00, and it was Easy

It is an ongoing struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Evette. Evette decided not to get a high risk loan this time. High Risk loans are given to terrible credit clients. Individuals with credit scores as low as 490 can inquire for a high risk loan and have a chance to be accepted.

Fast Loans for Evette in Cedar Rapids, Nebraska to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Cedar Rapids, Nebraska aren’t actually that difficult to obtain, particularly if you have some gumption like Evette. Evette was able to find a fast loan for $84000 from The Carson National Bank of Auburn and The First National Bank of Bayard, but turned down both offers in favor of their signature loan from Cedar Rapids 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 6 weeks for debt consolidation loans. An improvement if a client is in a pinch.

Conclusion of Evette’s signature loan

In the end, Evette was able to find a signature loan for $84000 with an interest rate of 9.4% interest APR from Cedar Rapids State Bank in Cedar Rapids, Nebraska repayable over 20 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.