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Low Rate High Risk Loan For Temple In Columbus, Nebraska

$76000 High Risk Loan – Columbus Nebraska, Credit Rating Of 330

  • Experian: 341 – They had a terrible Experian score
  • Transunion: 313 – Temple had a terrible credit score with Transunion.
  • Equifax: Temple’s Experian score was 330, which is a terrible credit score using the Experian scale.

Contact Details for First National Bank & Trust Company of Columbus, the provider of this high risk loan

  • First National Bank & Trust Company of Columbus
  • City: Columbus
  • State: Nebraska
  • Address: 2623 Thirteenth Street
  • County: Platte
  • Zip code: 68601

Before applying for this high risk loan, Temple had an Experian score of 341, which is terrible, so First National Bank & Trust Company of Columbus most likely cannot provide Temple a high risk loan

Experian Score: 341

Personal Loan for an educational psychologist named Temple in Columbus, Nebraska to Pay Off Ohio Savings Bank Visa Signature Card with Maximum Rewards

Temple had a lot of credit card debt on their Phillips 66 and their Malvern Federal Savings Bank Visa Business Bonus Rewards Card, and they were starting to get in over their heads. Despite Temple’s job as an educational psychologist, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Temple’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their educational psychologist job and their future career as a psychiatric aide

Fico Score: 330

Previous requests on Temple’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$28360.00 3 9.5% $908.45 Citizens Bank July 29, 2010
$27660.00 8 6.4% $368.9 Stromsburg Bank August 9, 2012
$27780.00 4 10.7% $713.95 Wahoo State Bank January 7, 2013
$28400.00 11 7.3% $313.59 Arlington State Bank August 10, 2013
$28410.00 6 10.6% $534.96 Mason State Bank, Mason City, Nebraska June 3, 2014

Paraphrased and Standardized Quote from Temple for this high risk loan of $76000, provided by First National Bank & Trust Company of Columbus

Hello, I am Temple and I am from Columbus in Nebraska. Platte, county is where I grew up, and now I need a high risk loan in Nebraska for $76000 to buy a big ticket item. It wasn’t easy, but First National Bank & Trust Company of Columbus really came through for me with this loan for 9.1% interest APR and a term of 21 years. I can probably repay the loan over the 21 year term, including interest. A big thanks to First National Bank & Trust Company of Columbus for trusting me and my terrible credit. It look me 6 years to create my credit to 330, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.

When Temple was 24, they attempted to obtain a student loan from 6 different lenders, which damaged their credit score. Below is a chronology of Temple’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on August 8, 2011
  • Attempt 2) Loan for $20,000.00 on September 8, 2010
  • Attempt 3) Loan for $29,000.00 on March 30, 2011
  • Attempt 4) Loan for $27,000.00 on August 1, 2011
  • Attempt 5) Loan for $32,000.00 on August 27, 2010
  • Attempt 6) Loan for $37,000.00 on April 6, 2012

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

Average debt consolidation loans range from $29,000.00 to $44,000.00. They are mainly used to pay off existing high interest loans like credit cards. Temple needed a debt consolidation loan to pay for their existing high risk loan and their payday loan. Temple was able to find a high risk loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.4%.

Multiple other requests for credit have been made by Temple in the past, including one from Goldenbank, Applewood in Columbus, Nebraska before Temple was approved for the $76000 by First National Bank & Trust Company of Columbus

Temple made 8 prior attempts to obtain a high risk loan, 2 of which were with Goldenbank, Applewood, a lending institution in Columbus, Nebraska known to specialize in high risk loans specifically. Prior to finding First National Bank & Trust Company of Columbus, Temple was concerned due to their inexperience and terrible credit rating.

Temple has a low current total income, but has several of prospects

Temple has always wanted to be a psychiatric aide, but would have to attend Central Michigan University again to become one. Temple has other prospects as well, including airline flight attendant, retail store manager, and cook, which pay $58,000 through to $96,000 per year, at least. For this reason, we think that Temple can afford this high risk loan of $76000.

Signature Loan easily acquired in Columbus, Nebraska for $76000 with terrible credit by Temple

A lot of clients struggle with finding signature loans in Columbus, Nebraska, and Temple is the same. Temple went to 5 lenders or more prior to settling on First National Bank & Trust Company of Columbus, who offered Temple a signature loan for $76000. Typical signature loans simply need a client, like Temple’s signature to get them, up to $41,000 in some cases. Temple was able to get $76000 as a high risk loan, which is very high for a high risk loan. Because signature loans do not need collateral, they generally require improved credit, as high as 743

Client Profile: Temple Bolevice of Columbus, Nebraska
  • Full name (Changed if requested): Temple Bolevice
  • Current Credit: loans.hit.utils.Fico@21b8d17c
  • Current City: Columbus
  • State: Nebraska
  • Zip code: 68608
  • Yearly income: $32,000
  • Current Job: educational psychologist
  • Current County: Platte
  • Goal Yearly Income: $148,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Installment loan for Temple, a graduate of Central Michigan University and an educational psychologist working for over $74,000 per year

Temple, an alumnus at Central Michigan University and an educational psychologist in Columbus, Nebraska wants a high risk loan to purchase something frivolous. Temple has instead decided to obtain an installment loan for $14,000 and is at present seeking lenders like Commercial State Bank to process their request.

8 Months Ago, Temple Tried to Find a High Risk Loan for $20,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Temple. Temple decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Borrowers with credit scores as low as 582 can inquire for a high risk loan and may be be accepted.

Fast Loans for Temple in Columbus, Nebraska to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Columbus, Nebraska aren’t actually that difficult to obtain, particularly if you have some gumption like Temple. Temple was able to find a fast loan for $76000 from The First National Bank of Bayard and The Bank of Cody, but declined both offers in favor of their high risk loan from First National Bank & Trust Company of Columbus. The difference with a fast loan over a installment 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 a client is in a pinch.

Temple’s Transunion score was altered by the high risk loan loan, changing to 313 from 330, which is normal in our experience.

Transunion Score: 313

Temple was declined by First Western Bank, National Association 6 times prior to being granted funding by First National Bank & Trust Company of Columbus at 2623 Thirteenth Street

On September 4, 2010, Temple inquired about borrowing $1,000 from Western Nebraska Bank with Christel, their friend from just outside Columbus, and even with the co-signer, Temple was rejected for this high risk loan. With terrible credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Conclusion of Temple’s high risk loan

In the end, Temple was able to find a high risk loan for $76000 with an interest rate of 7.1% interest APR from First National Bank & Trust Company of Columbus in Columbus, Nebraska repayable over 21 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.