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Personal Loan With Very Low APR In Iowa County, Iowa

$96000 Personal Loan – Victor Iowa, Credit Rating Of 374

  • Experian: 393 – The client had a terrible Experian score
  • Transunion: 355 – Alverta had a terrible credit score with Transunion.
  • Equifax: Alverta’s Experian score was 374, which is a terrible credit rating on the Experian rating scheme.

Previous requests on Alverta’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$46220.00 7 11.6% $806.06 Mills County Bank National Association August 6, 2009
$46320.00 9 11.4% $687.75 Postville State Bank February 18, 2012
$46220.00 6 5.6% $757.3 Washington State Bank January 6, 2013
$46490.00 11 10.1% $584.68 Rippey Savings Bank April 20, 2013

Installment loan for Alverta, a graduate of Clarion University of Pennsylvania and a commercial designer working for over $70,000 per year

Alverta, an alumnus at Clarion University of Pennsylvania and a commercial designer in Victor, Iowa needs a personal loan to purchase a new cell phone. Alverta has instead decided to obtain an installment loan for $27,000 and is currently seeking lenders like American Interstate Bank to provide it.

Contact Details for Victor State Bank, the provider of this personal loan

  • Victor State Bank
  • City: Victor
  • State: Iowa
  • Address: 201 Washington Street
  • County: Iowa
  • Zip code: 52347

Before applying for this personal loan, Alverta had an Experian score of 393, which is terrible, so Victor State Bank likely cannot provide Alverta a personal loan

Experian Score: 393

Alverta was rejected by Postville State Bank 6 times before being accepted by Victor State Bank at 201 Washington Street

On September 22, 2013, Alverta applied about borrowing $47,000 from Raccoon Valley State Bank with Breann, their in law from just outside Victor, and even with the co-signer, Alverta was rejected for this personal loan. With terrible credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Alverta’s Transunion score was changed by the personal loan loan, changing to 355 from 374, which is typical in our experience.

Transunion Score: 355

Alverta has a sad current total income, but has several of prospects

Alverta has always wanted to be a traffic agent, but would have to attend Clarion University of Pennsylvania again to achieve it. Alverta has other possibilities as well, including health psychologist, home economist, and interpreter for the hearing impaired, which pay $59,000 through to $95,000 per year, on average. Because of this, we believe that Alverta can afford this personal loan of $96000.

Personal Loan for a commercial designer named Alverta in Victor, Iowa to Pay Off Tioga State Bank College Rewards Visa Card

Alverta had a lot of credit card debt on their RBC Visa Platinum Avion and their Amalgamated Bank MasterCard Standard Secured, and they were starting to get in over their heads. Despite Alverta’s job as a commercial designer, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Many past requests for credit have been made by Alverta in the past, including one from Cabrillo Federal Savings Bank in Victor, Iowa before Alverta was approved for the $96000 by Victor State Bank

Alverta made 9 previous attempts to obtain a personal loan, 2 of which were with Cabrillo Federal Savings Bank, a lending institution in Victor, Iowa known to specialize in personal loans specifically. Before finding Victor State Bank, Alverta was very concerned due to their inexperience and terrible credit score.

Client Profile: Alverta Taphous of Victor, Iowa
  • Full name (Changed if requested): Alverta Taphous
  • Current Credit: loans.hit.utils.Fico@3f91beef
  • Current City: Victor
  • State: Iowa
  • Zip code: 52355
  • Yearly income: $53,000
  • Current Job: commercial designer
  • Current County: Iowa
  • Goal Yearly Income: $103,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Signature Loan easily acquired in Victor, Iowa for $96000 with terrible credit by Alverta

A lot of clients have difficulty with obtaining signature loans in Victor, Iowa, and Alverta is no different. Alverta went to 5 lending institutions or more prior to finding Victor State Bank, who offered Alverta a signature loan for $96000. Typical signature loans simply need a client, like Alverta’s signature to obtain them, up to $36,000 in some cases. Alverta was able to get $96000 as a personal loan, which is very high for a personal loan. Because signature loans don’t need collateral, these loans tend to need higher credit, as high as 715

6 Months in the Past, Alverta Tried Finding a High Risk Loan for $45,000.00, and it was Easy

It is an ongoing struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Alverta. Alverta chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Clients with credit scores as low as 304 can inquire for a high risk loan and may be be accepted.

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

Average debt consolidation loans range from $29,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Alverta required a debt consolidation loan to pay for their existing personal loan and their loan shark loan. Alverta was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.8%.

When Alverta was 18, they tried to obtain a student loan from 7 alternate banks, which harmed their credit score. Below is a list of Alverta’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on September 28, 2011
  • Attempt 2) Loan for $33,000.00 on August 13, 2013
  • Attempt 3) Loan for $21,000.00 on February 19, 2009
  • Attempt 4) Loan for $26,000.00 on May 28, 2011
  • Attempt 5) Loan for $20,000.00 on July 5, 2010
  • Attempt 6) Loan for $32,000.00 on January 26, 2012
  • Attempt 7) Loan for $37,000.00 on September 19, 2009

Fast Loans for Alverta in Victor, Iowa to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Victor, Iowa aren’t actually that difficult to obtain, especially if you have some gumption like Alverta. Alverta was able to find a fast loan for $96000 from Mills County Bank National Association and Raccoon Valley State Bank, but turned down both offers in favor of their personal loan from Victor State Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference in the case that a client is on the go.

Alverta’s Overall FICO score at the time of acceptance for a personal loan, taking into account their commercial designer job and their future career as a traffic agent

Fico Score: 374

Paraphrased and Standardized Quote from Alverta for this personal loan of $96000, provided by Victor State Bank

Hi, I am Alverta and I am from Victor in Iowa. Iowa, county is where I grew up, and now I need a personal loan in Iowa for $96000 to buy a car. It wasn’t easy, but Victor State Bank really came through for me with this loan for 8.5% interest APR and a term of 8 years. I can probably repay the loan over the 8 year term, including interest. A big thanks to Victor State Bank for giving me a chance and my terrible credit. It look me 6 years to create my credit to 374, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.

Conclusion of Alverta’s personal loan

In the end, Alverta was able to find a personal loan for $96000 with an interest rate of 6.7% interest APR from Victor State Bank in Victor, Iowa repayable over 8 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.