Do you have over $10,000 in Debt? Get Help now.

Personal Loan With Low APR In Denver County, Colorado

$90000 Personal Loan – Denver Colorado, Credit Rating Of 300

  • Experian: 317 – They had a terrible Experian score
  • Transunion: 288 – Geoffrey had a terrible credit score with Transunion.
  • Equifax: Geoffrey’s Experian score was 300, which is a terrible credit score on the Experian system.

Geoffrey’s Overall FICO score at the time of acceptance for a personal loan, taking into account their animal breeder job and their future career as a residence counselor

Fico Score: 300

When Geoffrey was 24, they attempted to obtain a student loan from 7 different lenders, which harmed their credit score. Below is a chronology of Geoffrey’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on July 23, 2010
  • Attempt 2) Loan for $22,000.00 on July 16, 2009
  • Attempt 3) Loan for $34,000.00 on June 22, 2012
  • Attempt 4) Loan for $34,000.00 on May 7, 2011
  • Attempt 5) Loan for $38,000.00 on March 2, 2009
  • Attempt 6) Loan for $29,000.00 on December 26, 2012
  • Attempt 7) Loan for $26,000.00 on January 13, 2013

6 Months Ago, Geoffrey Attempted to Find a High Risk Loan for $47,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Geoffrey. Geoffrey decided not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Individuals with credit ratings as low as 365 can inquire for a high risk loan and have a chance to be approved.

Personal Loan for an animal breeder named Geoffrey in Denver, Colorado to Pay Off American Savings Bank Secured Visa Card

Geoffrey had a lot of credit card debt on their Hilton HHonorsTM Card from American Express and their University of Michigan Rewards American Express Card, and they were starting to get in over their heads. Despite Geoffrey’s job as an animal breeder, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Geoffrey Othon of Denver, Colorado
  • Full name (Changed if requested): Geoffrey Othon
  • Current Credit: loans.hit.utils.Fico@12edcd21
  • Current City: Denver
  • State: Colorado
  • Zip code: 80244
  • Yearly income: $57,000
  • Current Job: animal breeder
  • Current County: Denver
  • Goal Yearly Income: $111,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Signature Loan easily acquired in Denver, Colorado for $90000 with terrible credit by Geoffrey

Most borrowers have difficulty with obtaining signature loans in Denver, Colorado, and Geoffrey is no exception. Geoffrey went to 7 lenders or more prior to finding OMNIBANK Southeast, who offered Geoffrey a signature loan for $90000. Most signature loans simply need a client, like Geoffrey’s signature to get them, up to $38,000 in some cases. Geoffrey was able to get $90000 as a personal loan, which is very high for a personal loan. Because signature loans do not require a cosigner, these loans generally need improved credit, as high as 787

Geoffrey was not approved by Farmers State Bank of Calhan 6 times before being granted funding by OMNIBANK Southeast at 3600 South Yosemite

On August 31, 2012, Geoffrey applied about borrowing $42,000 from The Berthoud National Bank with Aja, their friend from just outside Denver, and even with the co-signer, Geoffrey was rejected for this personal loan. With terrible credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Before applying for this personal loan, Geoffrey had an Experian score of 317, which is terrible, so OMNIBANK Southeast likely can provide Geoffrey a personal loan

Experian Score: 317

Geoffrey’s Transunion score was altered by the personal loan loan, changing to 288 from 300, which is normal in our experience.

Transunion Score: 288

Installment loan for Geoffrey, a graduate of Mesabi Range College and an animal breeder working for over $60,000 per year

Geoffrey, an alumnus at Mesabi Range College and an animal breeder in Denver, Colorado needs a personal loan to purchase something frivolous. Geoffrey has instead decided to obtain an installment loan for $1,000 and is currently seeking lenders like The First National Bank of Canon City, Colorado to process their request.

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

Normal debt consolidation loans vary from $36,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Geoffrey needed a debt consolidation loan to pay for their existing personal loan and their loan shark loan. Geoffrey was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.0%.

Fast Loans for Geoffrey in Denver, Colorado to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Denver, Colorado aren’t actually that difficult to obtain, especially if you have some finesse like Geoffrey. Geoffrey was able to find a fast loan for $90000 from Western Community Bank and Farmers State Bank of Calhan, but declined both offers in favor of their personal loan from OMNIBANK Southeast. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big difference in the case that you are on the go.

Geoffrey has a disappointing current total income, but has a high number of prospects

Geoffrey has always wanted to be a residence counselor, but would have to attend Mesabi Range College again to become one. Geoffrey has other possibilities as well, including social psychologist, agricultural equipment operator, and building maintenance mechanic, which pay $58,000 through to $106,000 per year, at least. For this reason, we believe that Geoffrey can afford this personal loan of $90000.

Contact Details for OMNIBANK Southeast, the provider of this personal loan

  • OMNIBANK Southeast
  • City: Denver
  • State: Colorado
  • Address: 3600 South Yosemite
  • County: Denver
  • Zip code: 80237

Paraphrased and Standardized Quote from Geoffrey for this personal loan of $90000, provided by OMNIBANK Southeast

Hello, I am Geoffrey and I’m from Denver in Colorado. Denver, county is where I grew up, and now I need a personal loan in Colorado for $90000 to renovate my home. It wasn’t easy, but OMNIBANK Southeast really came through for me with this loan for 11.4% interest APR and a term of 9 years. I will repay the loan over the 9 year term, including interest. A big thanks to OMNIBANK Southeast for trusting me and my terrible credit. It look me 9 years to build my credit to 300, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Previous requests on Geoffrey’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$61370.00 9 8.5% $814.95 Affiliated National Bank – Delta July 16, 2012
$60550.00 4 10.1% $1538.61 Central Bank, National Association April 3, 2014
$60590.00 4 10.2% $1542.55 The Colorado Bank and Trust Company of La Junta October 26, 2014
$60620.00 10 6.7% $694.51 Colorado State Bank and Trust, N. A. July 19, 2015
$61370.00 7 5.4% $878.98 Mountain Parks Bank – West August 19, 2015

Several other requests for credit have been made by Geoffrey in the past, including one from Northshore Bank in Denver, Colorado before Geoffrey was approved for the $90000 by OMNIBANK Southeast

Geoffrey made 4 previous attempts to obtain a personal loan, 2 of which were with Northshore Bank, a lender in Denver, Colorado known to specialize in personal loans specifically. Before finding OMNIBANK Southeast, Geoffrey was desperate due to their inexperience and terrible credit score.

Conclusion of Geoffrey’s personal loan

In the end, Geoffrey was able to find a personal loan for $90000 with an interest rate of 6.3% interest APR from OMNIBANK Southeast in Denver, Colorado repayable over 9 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.

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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.