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No Collateral Loan Of $84000 For Terrible Credit Iowa Resident

$84000 No Collateral Loan – Dubuque Iowa, Credit Score Of 380

  • Experian: 390 – The client had a terrible Experian rating
  • Transunion: 361 – Katie had a terrible credit score with Transunion.
  • Equifax: Katie’s Experian score was 380, which is a terrible credit score on the Experian scale.

When Katie was 18, they tried to obtain a student loan from 5 different banks, which damaged their credit rating. Below is a list of Katie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on November 29, 2008
  • Attempt 2) Loan for $23,000.00 on February 2, 2011
  • Attempt 3) Loan for $31,000.00 on January 2, 2010
  • Attempt 4) Loan for $28,000.00 on December 23, 2008
  • Attempt 5) Loan for $36,000.00 on April 8, 2012
Client Profile: Katie Fuger of Dubuque, Iowa
  • Full name (Changed if requested): Katie Fuger
  • Current Credit: loans.hit.utils.Fico@4d405ef7
  • Current City: Dubuque
  • State: Iowa
  • Zip code: 52011
  • Yearly income: $64,000
  • Current Job: admiralty lawyer
  • Current County: Dubuque
  • Goal Yearly Income: $147,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Before applying for this no collateral loan, Katie had an Experian score of 390, which is terrible, so East Dubuque Savings Bank likely cannot provide Katie a no collateral loan

Experian Score: 390

Signature Loan acquired in Dubuque, Iowa for $84000 with terrible credit by Katie

A lot of clients struggle with finding signature loans in Dubuque, Iowa, and Katie is not an exception. Katie went to 7 lending institutions or more prior to settling on East Dubuque Savings Bank, who offered Katie a signature loan for $84000. Most signature loans simply require a client, like Katie’s signature to get them, up to $45,000 in some cases. Katie was able to get $84000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans don’t need a cosigner, these loans tend to require better credit, as high as 796

Previous requests on Katie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$110430.00 7 11.3% $1908.29 Mills County Bank National Association October 22, 2010
$109800.00 4 8.7% $2716.76 Postville State Bank January 1, 2011
$110230.00 5 9.6% $2320.43 Washington State Bank September 5, 2011
$109590.00 8 10.7% $1703.8 Rippey Savings Bank September 30, 2013
$110100.00 7 6.4% $1629.6 Iowa State Bank December 26, 2013

Katie’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their admiralty lawyer job and their future job as a boat builder

Fico Score: 380

7 Months Ago, Katie Attempted to Find a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for borrowers to find high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Katie. Katie chose not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Borrowers with credit scores as low as 323 can apply for a high risk loan and have a chance to be approved.

Fast Loans for Katie in Dubuque, Iowa to prevent bankruptcy or harm from debt collectors.

Fast loans in Dubuque, Iowa aren’t actually that difficult to obtain, particularly if you have some gumption like Katie. Katie was able to find a fast loan for $84000 from Community Bank and American Interstate Bank, but turned down both offers in favor of their no collateral loan from East Dubuque Savings 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 personal loans. A big difference in the case that you are in a time sensitive situation.

Contact Details for East Dubuque Savings Bank, the provider of this no collateral loan

  • East Dubuque Savings Bank
  • City: Dubuque
  • State: Iowa
  • Address: 475 Cedar Cross Road
  • County: Dubuque
  • Zip code: 52003

Installment loan for Katie, a graduate of University of Portland and an admiralty lawyer working for over $66,000 per year

Katie, an alumnus at University of Portland and an admiralty lawyer in Dubuque, Iowa wants a no collateral loan to purchase something frivolous. Katie has instead decided to get an installment loan for $27,000 and is at present seeking lenders like Brenton State Bank of Jefferson to process their request.

Katie was declined by Commercial Savings Bank 6 times before being approved by East Dubuque Savings Bank at 475 Cedar Cross Road

On January 30, 2013, Katie inquired about borrowing $34,000 from Commercial Savings Bank with Willard, their friend from just outside Dubuque, and even with the co-signer, Katie was rejected for this no collateral loan. With terrible credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Multiple other requests for credit have been made by Katie in the past, including one from The Citizens State Bank of Ouray in Dubuque, Iowa before Katie was approved for the $84000 by East Dubuque Savings Bank

Katie made 4 previous tries to obtain a no collateral loan, 2 of which were with The Citizens State Bank of Ouray, a lending institution in Dubuque, Iowa known to specialize in no collateral loans specifically. Prior to finding East Dubuque Savings Bank, Katie was very concerned due to their inexperience and terrible credit rating.

Katie has a sad current total income, but has a large amount of prospects

Katie has always wanted to be a boat builder, but would have to attend University of Portland again to achieve it. Katie has other possibilities as well, including treasurer, building inspector, and warehouse stock clerk, which pay $59,000 through to $94,000 per year, on average. Because of this, we believe that Katie can pay for this no collateral loan of $84000.

Katie’s Transunion score was altered by the no collateral loan loan, changing to 361 from 380, which is typical in our experience.

Transunion Score: 361

Paraphrased and Standardized Quote from Katie for this no collateral loan of $84000, provided by East Dubuque Savings Bank

Hello, I am Katie and my hometown is Dubuque in Iowa. Dubuque, county is where I grew up, and now I need a no collateral loan in Iowa for $84000 to pay bills. It has been difficult, but East Dubuque Savings Bank really came through for me with this loan for 7.3% interest APR and a term of 23 years. I can repay the loan over the 23 year term, including interest. A big thanks to East Dubuque Savings Bank for trusting me and my terrible credit. It look me 8 years to create my credit to 380, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

Personal Loan for an admiralty lawyer named Katie in Dubuque, Iowa to Pay Off Diners Club Carte Blanche Card

Katie had a lot of credit card debt on their Office Depot Worklife Rewards Personal Visa and their Oakland Raiders NFL Extra Points Visa Signature Card, and they were starting to get in over their heads. Despite Katie’s job as an admiralty lawyer, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $38,000.00 to $58,000.00. They are typically used to pay off existing high interest loans like credit cards. Katie required a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Katie was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your dirty, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.3%.

Conclusion of Katie’s no collateral loan

In the end, Katie was able to find a no collateral loan for $84000 with an interest rate of 10.2% interest APR from East Dubuque Savings Bank in Dubuque, Iowa repayable over 23 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.