$96000 Private Loan – Mcpherson Kansas, Credit Rating Of 499
- Experian: 517 – This individual had a bad Experian score
- Transunion: 481 – Felicidad had a bad credit score with Transunion.
- Equifax: Felicidad’s Experian score was 499, which is a bad credit score using the Experian system.
Felicidad’s Transunion score was changed by the private loan loan, changing to 481 from 499, which is normal in our experience.
When Felicidad was 22, they tried to obtain a student loan from 6 different lenders, which harmed their credit score. Below is a list of Felicidad’s prior attempts at finding a student loan:
- Attempt 1) Loan for $23,000.00 on June 19, 2010
- Attempt 2) Loan for $20,000.00 on December 3, 2009
- Attempt 3) Loan for $28,000.00 on May 24, 2009
- Attempt 4) Loan for $32,000.00 on October 5, 2010
- Attempt 5) Loan for $38,000.00 on February 20, 2013
- Attempt 6) Loan for $21,000.00 on July 9, 2011
Previous requests on Felicidad’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$75120.00||11||9.5%||$919.37||Citizens Bank and Trust Company||June 22, 2011|
|$75230.00||8||8.2%||$1071.17||The Morrill and Janes Bank and Trust Company||March 27, 2013|
|$74610.00||5||9.5%||$1566.95||The Citizens State Bank, Liberal, Kansas||August 5, 2013|
|$74540.00||9||10.5%||$1069.71||Citizens State Bank||August 23, 2013|
6 Months in the Past, Felicidad Attempted Finding a High Risk Loan for $45,000.00, but They Didn’t Find What They were Expecting
It is an well known struggle for clients 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 scary to borrowers like Felicidad. Felicidad chose not to get a high risk loan this time. High Risk loans are given to terrible credit clients. Individuals with credit ratings as low as 330 can inquire for a high risk loan and have a chance to be approved.
Felicidad’s Overall FICO score at the time of acceptance for a private loan, taking into account their numerical tool programmer job and their future career as a standards engineer
Personal Loan for a numerical tool programmer named Felicidad in Mcpherson, Kansas to Pay Off Pacific West Association of Realtors Charity Foundation Visa Platinum Rewards Card
Felicidad had a lot of credit card debt on their Associated Bank Visa Signature Bonus Rewards Card and their Atlantic Stewardship Bank Visa Business Bonus Rewards Card, and they were starting to get in over their heads. Despite Felicidad’s job as a numerical tool programmer, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Before applying for this private loan, Felicidad had an Experian score of 517, which is bad, so The Farmers State Bank most likely cannot provide Felicidad a private loan
Felicidad has a disappointing current total income, but has a high number of prospects
Felicidad has always wanted to be a standards engineer, but would need attend Moorpark College again to become one. Felicidad has other prospects as well, including compliance officer, purchasing manager, and bicycle mechanic, which pay $53,000 through to $99,000 per year, on average. For this reason, we believe that Felicidad can afford this private loan of $96000.
Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans range from $27,000.00 to $54,000.00. They are mainly used to pay off existing high interest loans like credit cards. Felicidad required a debt consolidation loan to pay for their existing private loan and their credit card. Felicidad was able to find a private loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.4%.
Installment loan for Felicidad, a graduate of Moorpark College and a numerical tool programmer working for over $69,000 per year
Felicidad, an alumnus at Moorpark College and a numerical tool programmer in Mcpherson, Kansas needs a private loan to purchase a new cell phone. Felicidad has instead decided to obtain an installment loan for $9,000 and is currently seeking lenders like The Exchange Bank of Lenora to provide it.
- Full name (Changed if requested): Felicidad Pertea
- Current Credit: loans.hit.utils.Fico@1a6c5a9e
- Current City: Mcpherson
- State: Kansas
- Zip code: 67469
- Yearly income: $65,000
- Current Job: numerical tool programmer
- Current County: Mcpherson
- Goal Yearly Income: $97,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Fast Loans for Felicidad in Mcpherson, Kansas to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Mcpherson, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Felicidad. Felicidad was able to find a fast loan for $96000 from The Fidelity State Bank and The Farmers and Merchants State Bank, but turned down both offers in favor of their private loan from The Farmers State Bank. The difference with a fast loan over a debt consolidation 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 in a time sensitive situation.
Several past requests for credit have been made by Felicidad in the past, including one from The Gravois Home Savings and Loan Association in Mcpherson, Kansas before Felicidad was accepted for the $96000 by The Farmers State Bank
Felicidad made 9 prior attempts to obtain a private loan, 2 of which were with The Gravois Home Savings and Loan Association, a lending institution in Mcpherson, Kansas known to specialize in private loans specifically. Prior to finding The Farmers State Bank, Felicidad was desperate due to their inexperience and bad credit rating.
Paraphrased and Standardized Quote from Felicidad for this private loan of $96000, provided by The Farmers State Bank
Hello, I am Felicidad and my hometown is Mcpherson in Kansas. Mcpherson, county is where I grew up, and now I need a private loan in Kansas for $96000 to renovate my home. It wasn’t easy, but The Farmers State Bank really came through for me with this loan for 7.7% interest APR and a term of 6 years. I will repay the loan over the 6 year term, including interest. A big thanks to The Farmers State Bank for trusting me and my bad credit. It look me 6 years to create my credit to 499, and I won’t harm it any future. I am pleased with Find Texas Loans for helping me this far.
Contact Details for The Farmers State Bank, the provider of this private loan
- The Farmers State Bank
- City: Mcpherson
- State: Kansas
- Address: 2074 East Kansas Avenue
- County: Mcpherson
- Zip code: 67460
Signature Loan found in Mcpherson, Kansas for $96000 with bad credit by Felicidad
A lot of clients have difficulty with obtaining signature loans in Mcpherson, Kansas, and Felicidad is no exception. Felicidad went to 5 lending institutions or more before settling on The Farmers State Bank, who offered Felicidad a signature loan for $96000. Most signature loans simply require a client, like Felicidad’s signature to obtain them, up to $29,000 in some cases. Felicidad was able to get $96000 as a private loan, which is very high for a private loan. Because signature loans don’t need collateral, these loans generally need improved credit, as high as 725
Felicidad was rejected by The Union State Bank 7 times prior to being accepted by The Farmers State Bank at 2074 East Kansas Avenue
On October 28, 2013, Felicidad inquired about borrowing $1,000 from The Victory State Bank with Maple, their in law from just outside Mcpherson, and even with the co-signer, Felicidad was rejected for this private loan. With bad credit, it can be very hard to procure funding, even with collateral and a co-signer.
Conclusion of Felicidad’s private loan
In the end, Felicidad was able to find a private loan for $96000 with an interest rate of 9.5% interest APR from The Farmers State Bank in Mcpherson, Kansas repayable over 6 years from today.