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Low Rate Personal Loan For Vivien In Jefferson City, Missouri

$156000 Personal Loan – Jefferson City Missouri, Credit Rating Of 546

  • Experian: 557 – This individual had a fair Experian score
  • Transunion: 527 – Vivien had a fair credit score with Transunion.
  • Equifax: Vivien’s Experian score was 546, which is a fair credit score with the Experian rating scheme.

When Vivien was 18, they attempted to obtain a student loan from 5 different lenders, which harmed their credit score. Below is a chronology of Vivien’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on January 20, 2010
  • Attempt 2) Loan for $27,000.00 on August 4, 2010
  • Attempt 3) Loan for $29,000.00 on November 11, 2012
  • Attempt 4) Loan for $27,000.00 on February 18, 2013
  • Attempt 5) Loan for $20,000.00 on March 6, 2010

Vivien has a low current gross income, but has several of prospects

Vivien has always wanted to be a structural engineer, but would have to attend Harcum College again to become one. Vivien has other prospects as well, including zoologist, photogrammetric engineer, and human factors psychologist, which pay $52,000 through to $104,000 per year, on average. For this reason, we believe that Vivien can pay for this personal loan of $156000.

Vivien’s Transunion score was altered by the personal loan loan, changing to 527 from 546, which is typical in our experience.

Transunion Score: 527

Signature Loan easily acquired in Jefferson City, Missouri for $156000 with fair credit by Vivien

Many borrowers have difficulty with obtaining signature loans in Jefferson City, Missouri, and Vivien is no different. Vivien went to 5 lending institutions or more before settling on Home Savings Bank, who offered Vivien a signature loan for $156000. Typical signature loans simply require a client, like Vivien’s signature to obtain them, up to $20,000 in some cases. Vivien was able to get $156000 as a personal loan, which is very high for a personal loan. Since signature loans don’t require collateral, they tend to need better credit, as high as 761

Installment loan for Vivien, a graduate of Harcum College and a brokerage clerk working for over $79,000 per year

Vivien, an alumnus at Harcum College and a brokerage clerk in Jefferson City, Missouri wants a personal loan to purchase a new cell phone. Vivien has instead chosen to get an installment loan for $9,000 and is at present seeking lenders like Cass Commercial Bank to provide it.

Contact Details for Home Savings Bank, the provider of this personal loan

  • Home Savings Bank
  • City: Jefferson City
  • State: Missouri
  • Address: 130 E Mc Carty St
  • County: Cole
  • Zip code: 65102

Paraphrased and Standardized Quote from Vivien for this personal loan of $156000, provided by Home Savings Bank

Hello, I am Vivien and I am from Jefferson City in Missouri. Cole, county is where I grew up, and now I need a personal loan in Missouri for $156000 to pay bills. It has been difficult, but Home Savings Bank really came through for me with this loan for 8.3% interest APR and a term of 19 years. I will repay the loan over the 19 year term, including interest. A big thanks to Home Savings Bank for trusting me and my fair credit. It look me 5 years to create my credit to 546, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.

Many previous requests for credit have been made by Vivien in the past, including one from Premier Bank in Jefferson City, Missouri before Vivien was approved for the $156000 by Home Savings Bank

Vivien made 8 prior attempts to obtain a personal loan, 2 of which were with Premier Bank, a lending institution in Jefferson City, Missouri known to specialize in personal loans specifically. Prior to finding Home Savings Bank, Vivien was very concerned due to their inexperience and fair credit rating.

6 Months in the Past, Vivien Attempted to Find a High Risk Loan for $41,000.00, and it was Easy

It is an well known struggle for borrowers to get high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Vivien. Vivien chose not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Borrowers with credit scores as low as 339 can apply for a high risk loan and have a chance to be approved.

Personal Loan for a brokerage clerk named Vivien in Jefferson City, Missouri to Pay Off Apple Bank for Savings

Vivien had a tonne of credit card debt on their Justice FCU ACA Visa Rewards Card and their Bealls Florida Credit Card, and they were starting to get in over their heads. Despite Vivien’s job as a brokerage clerk, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Vivien’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$15110.00 3 11.7% $499.71 Camden County Bank December 16, 2008
$15360.00 7 10.1% $255.79 Glasgow Savings Bank January 8, 2009
$14640.00 7 11.1% $251.44 Central Bank June 23, 2012
$15480.00 8 11.2% $244.84 Midwest BankCentre February 10, 2015
$15330.00 10 9.1% $195.02 Commerce Bank of Richmond Heights April 12, 2015

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

Fast loans in Jefferson City, Missouri aren’t actually that difficult to obtain, especially if you have some gumption like Vivien. Vivien was able to find a fast loan for $156000 from Jefferson-Gravois Bank of St. Louis and Cass Commercial Bank, but declined both offers in favor of their personal loan from Home Savings 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 debt consolidation loans. Much better if a borrower is in a time sensitive situation.

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $35,000.00 to $47,000.00. They are mainly used to pay off existing high interest loans like credit cards. Vivien required a debt consolidation loan to pay for their existing personal loan and their payday loan. Vivien was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.6%.

Vivien’s Overall FICO score at the time of acceptance for a personal loan, taking into account their brokerage clerk job and their future job as a structural engineer

Fico Score: 546

Vivien was declined by Mercantile Bank of Franklin County 5 times before being accepted by Home Savings Bank at 130 E Mc Carty St

On November 26, 2009, Vivien inquired about borrowing $34,000 from Southwest Bank, An M&I Bank with Joanna, their in law from just outside Jefferson City, and even with the co-signer, Vivien was rejected for this personal loan. With fair credit, it can be difficult to procure funding, even with collateral and a co-signer.

Client Profile: Vivien Galm of Jefferson City, Missouri
  • Full name (Changed if requested): Vivien Galm
  • Current Credit: loans.hit.utils.Fico@5010be6
  • Current City: Jefferson City
  • State: Missouri
  • Zip code: 65109
  • Yearly income: $31,000
  • Current Job: brokerage clerk
  • Current County: Cole
  • Goal Yearly Income: $108,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Before applying for this personal loan, Vivien had an Experian score of 557, which is fair, so Home Savings Bank probably cannot provide Vivien a personal loan

Experian Score: 557

Conclusion of Vivien’s personal loan

In the end, Vivien was able to find a personal loan for $156000 with an interest rate of 6.6% interest APR from Home Savings Bank in Jefferson City, Missouri repayable over 19 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.