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Low Rate Personal Loan For Mickie In Kansas City, Missouri

$26000 Personal Loan – Kansas City Missouri, Credit Score Of 359

  • Experian: 373 – This individual had a terrible Experian rating
  • Transunion: 340 – Mickie had a terrible credit rating with Transunion.
  • Equifax: Mickie’s Experian score was 359, which is a terrible credit score using the Experian scale.

Personal Loan for a sales representative named Mickie in Kansas City, Missouri to Pay Off County National Bank Credit Cards

Mickie had a lot of credit card debt on their Sportsman’s Warehouse Specialty Rewards Visa Platinum Card and their Saratoga’s Community FCU Visa Platinum Card, and they were starting to get in over their heads. Despite Mickie’s job as a sales representative, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Mickie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$104860.00 3 8.5% $3310.17 Camden County Bank October 9, 2010
$104590.00 10 5.2% $1119.59 Glasgow Savings Bank October 16, 2012
$105420.00 10 5.5% $1144.08 Central Bank April 12, 2014
$105100.00 9 10.8% $1525.58 Midwest BankCentre September 13, 2014

Mickie was not approved by The Bank of Versailles 5 times prior to being accepted by Plaza Savings Association at 608 Ward Parkway

On January 29, 2012, Mickie applied about borrowing $26,000 from Central West End Bank with Jeffie, their friend from just outside Kansas City, and even with the co-signer, Mickie was rejected for this personal loan. With terrible credit, it can be challenging to procure financing, even with collateral and a co-signer.

Mickie’s Transunion score was altered by the personal loan loan, changing to 340 from 359, which is typical in our experience.

Transunion Score: 340

Before applying for this personal loan, Mickie had an Experian score of 373, which is terrible, so Plaza Savings Association likely cannot provide Mickie a personal loan

Experian Score: 373

Signature Loan acquired in Kansas City, Missouri for $26000 with terrible credit by Mickie

Most prospective borrowers struggle with finding signature loans in Kansas City, Missouri, and Mickie is no exception. Mickie went to 5 lending institutions or more prior to finding Plaza Savings Association, who offered Mickie a signature loan for $26000. Most signature loans simply require a client, like Mickie’s signature to obtain them, up to $33,000 in some cases. Mickie was able to get $26000 as a personal loan, which is very high for a personal loan. Since signature loans do not need a cosigner, they tend to require higher credit, as high as 709

Client Profile: Mickie Goldak of Kansas City, Missouri
  • Full name (Changed if requested): Mickie Goldak
  • Current Credit: loans.hit.utils.Fico@7eda2dbb
  • Current City: Kansas City
  • State: Missouri
  • Zip code: 64115
  • Yearly income: $68,000
  • Current Job: sales representative
  • Current County: Jackson
  • Goal Yearly Income: $99,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $28,000.00 to $56,000.00. They are typically used to pay off existing high interest loans like credit cards. Mickie required a debt consolidation loan to pay for their existing personal loan and their credit card. Mickie was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.8%.

When Mickie was 18, they tried to obtain a student loan from 4 different banks, which harmed their credit score. Below is a list of Mickie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on May 30, 2012
  • Attempt 2) Loan for $27,000.00 on December 22, 2008
  • Attempt 3) Loan for $26,000.00 on May 2, 2009
  • Attempt 4) Loan for $39,000.00 on December 1, 2012

Mickie’s Overall FICO score at the time of acceptance for a personal loan, taking into account their sales representative job and their future job as a town clerk

Fico Score: 359

Installment loan for Mickie, a graduate of Arizona State University and a sales representative working for over $70,000 per year

Mickie, an alumnus at Arizona State University and a sales representative in Kansas City, Missouri needs a personal loan to purchase a car. Mickie has instead chosen to obtain an installment loan for $23,000 and is at present seeking lenders like Commerce Bank of Tower Grove to provide it.

Paraphrased and Standardized Quote from Mickie for this personal loan of $26000, provided by Plaza Savings Association

Hi, I am Mickie and my hometown is Kansas City in Missouri. Jackson, county is where I grew up, and now I need a personal loan in Missouri for $26000 to buy a car. It wasn’t easy, but Plaza Savings Association really came through for me with this loan for 11.7% interest APR and a term of 5 years. I will repay the loan over the 5 year term, including interest. A big thanks to Plaza Savings Association for trusting me and my terrible credit. It look me 9 years to create my credit to 359, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.

Contact Details for Plaza Savings Association, the provider of this personal loan

  • Plaza Savings Association
  • City: Kansas City
  • State: Missouri
  • Address: 608 Ward Parkway
  • County: Jackson
  • Zip code: 64112

Fast Loans for Mickie in Kansas City, Missouri to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Kansas City, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Mickie. Mickie was able to find a fast loan for $26000 from Mercantile Bank of Franklin County and Central Bank, but declined both offers in favor of their personal loan from Plaza Savings Association. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement in the case that a client is in a pinch.

Mickie has a sad current gross income, but has a high number of prospects

Mickie has always wanted to be a town clerk, but would need attend Arizona State University again to achieve it. Mickie has other possibilities as well, including hydraulic engineer, commercial designer, and veterinarian technician, which pay $54,000 through to $100,000 per year, on average. Because of this, we think that Mickie can pay for this personal loan of $26000.

9 Months Ago, Mickie Attempted to Find a High Risk Loan for $37,000.00, and it was Hard

There is an existing struggle for clients to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Mickie. Mickie chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Borrowers with credit ratings as low as 476 can inquire for a high risk loan and possibly can be accepted.

Multiple past requests for credit have been made by Mickie in the past, including one from Republic National Bank and Trust Company in Kansas City, Missouri before Mickie was approved for the $26000 by Plaza Savings Association

Mickie made 5 prior attempts to obtain a personal loan, 2 of which were with Republic National Bank and Trust Company, a bank in Kansas City, Missouri known to specialize in personal loans specifically. Prior to finding Plaza Savings Association, Mickie was very concerned due to their inexperience and terrible credit rating.

Conclusion of Mickie’s personal loan

In the end, Mickie was able to find a personal loan for $26000 with an interest rate of 6.3% interest APR from Plaza Savings Association in Kansas City, Missouri repayable over 5 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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