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Quick Loan For $4000 Near 40509, Kentucky With A Credit Score Of 816

$4000 Quick Loan – Lexington Kentucky, Credit Score Of 816

  • Experian: 827 – This individual had an excellent Experian rating
  • Transunion: 803 – Chantelle had an excellent credit rating with Transunion.
  • Equifax: Chantelle’s Experian score was 816, which is an excellent credit rating using the Experian rating scheme.

Chantelle was rejected by Peoples Bank and Trust Company 4 times before being granted funding by FORCHT BANK, NATIONAL ASSOCIATION at 2404 Sir Barton Way

On March 7, 2012, Chantelle applied about borrowing $43,000 from United Community Bank with Sang, their in law from just outside Lexington, and even with the co-signer, Chantelle was rejected for this quick loan. With excellent credit, it can be very hard to procure funding, even with collateral and a co-signer.

Installment loan for Chantelle, a graduate of Butler Technology and Career Development Schools and a security guard working for over $61,000 per year

Chantelle, an alumnus at Butler Technology and Career Development Schools and a security guard in Lexington, Kentucky wants a quick loan to purchase a car. Chantelle has instead decided to get an installment loan for $21,000 and is currently seeking lenders like Ascencia Bank to provide it.

When Chantelle was 22, they tried to obtain a student loan from 5 different lenders, which damaged their credit score. Below is a chronology of Chantelle’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on January 29, 2010
  • Attempt 2) Loan for $29,000.00 on January 13, 2011
  • Attempt 3) Loan for $21,000.00 on May 29, 2010
  • Attempt 4) Loan for $22,000.00 on November 28, 2008
  • Attempt 5) Loan for $28,000.00 on August 21, 2011

Personal Loan for a security guard named Chantelle in Lexington, Kentucky to Pay Off Atlantic Stewardship Bank Credit Card

Chantelle had a lot of credit card debt on their Gymboree Visa Platinum Credit Card and their Eddie Bauer Credit Card, and they were starting to get in over their heads. Despite Chantelle’s job as a security guard, 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 quick loan, Chantelle had an Experian score of 827, which is excellent, so FORCHT BANK, NATIONAL ASSOCIATION probably can provide Chantelle a quick loan

Experian Score: 827

Paraphrased and Standardized Quote from Chantelle for this quick loan of $4000, provided by FORCHT BANK, NATIONAL ASSOCIATION

Hello, I am Chantelle and I’m from Lexington in Kentucky. Fayette, county is where I grew up, and now I need a quick loan in Kentucky for $4000 to buy a car. It has been difficult, but FORCHT BANK, NATIONAL ASSOCIATION really came through for me with this loan for 10.0% interest APR and a term of 23 years. I will repay the loan over the 23 year term, including interest. A big thanks to FORCHT BANK, NATIONAL ASSOCIATION for trusting me and my excellent credit. It look me 5 years to create my credit to 816, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Chantelle has a low current total income, but has a high number of prospects

Chantelle has always wanted to be a casino surveillance officer, but would have to attend Butler Technology and Career Development Schools again to achieve it. Chantelle has other possibilities as well, including control center specialist, sales representative, and mill worker, which pay $51,000 through to $96,000 per year, on average. For this reason, we believe that Chantelle can afford this quick loan of $4000.

9 Months in the Past, Chantelle Attempted to Find a High Risk Loan for $20,000.00, and it was Easy

There is an ongoing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Chantelle. Chantelle chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Individuals with credit ratings as low as 392 can apply for a high risk loan and have a chance to be accepted.

Many past requests for credit have been made by Chantelle in the past, including one from The First National Bank of Hermon in Lexington, Kentucky before Chantelle was approved for the $4000 by FORCHT BANK, NATIONAL ASSOCIATION

Chantelle made 5 prior attempts to obtain a quick loan, 2 of which were with The First National Bank of Hermon, a lending institution in Lexington, Kentucky known to specialize in quick loans specifically. Prior to finding FORCHT BANK, NATIONAL ASSOCIATION, Chantelle was concerned due to their inexperience and excellent credit score.

Signature Loan found in Lexington, Kentucky for $4000 with excellent credit by Chantelle

Most borrowers struggle with obtaining signature loans in Lexington, Kentucky, and Chantelle is the same. Chantelle went to 6 lenders or more prior to settling on FORCHT BANK, NATIONAL ASSOCIATION, who offered Chantelle a signature loan for $4000. Most signature loans simply need a client, like Chantelle’s signature to obtain them, up to $42,000 in some cases. Chantelle was able to get $4000 as a quick loan, which is very high for a quick loan. Because signature loans don’t require collateral, these loans tend to require improved credit, as high as 789

Previous requests on Chantelle’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$21120.00 6 11.2% $404.17 Stock Yards Bank & Trust Company December 15, 2011
$20760.00 6 7.8% $361.97 Farmers Deposit Bank of Brandenburg July 20, 2013
$21300.00 8 9.5% $317.6 Citizens Bank August 18, 2013
$20640.00 6 5.1% $333.36 Citizens Bank & Trust Company, Burgin, Kentucky February 15, 2015
$21300.00 8 6.8% $288.28 Farmers National Bank April 20, 2015

Contact Details for FORCHT BANK, NATIONAL ASSOCIATION, the provider of this quick loan

  • FORCHT BANK, NATIONAL ASSOCIATION
  • City: Lexington
  • State: Kentucky
  • Address: 2404 Sir Barton Way
  • County: Fayette
  • Zip code: 40509

Chantelle’s Overall FICO score at the time of acceptance for a quick loan, taking into account their security guard job and their future job as a casino surveillance officer

Fico Score: 816

Fast Loans for Chantelle in Lexington, Kentucky to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Lexington, Kentucky aren’t actually that difficult to obtain, particularly if you have some finesse like Chantelle. Chantelle was able to find a fast loan for $4000 from Bank of Hindman and Auburn Banking Company, but turned down both offers in favor of their quick loan from FORCHT BANK, NATIONAL ASSOCIATION. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better if a borrower is in a time sensitive situation.

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $33,000.00 to $48,000.00. They are mainly used to pay off existing high interest loans like credit cards. Chantelle needed a debt consolidation loan to pay for their existing quick loan and their credit card. Chantelle was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.4%.

Chantelle’s Transunion score was altered by the quick loan loan, changing to 803 from 816, which is normal in our experience.

Transunion Score: 803

Client Profile: Chantelle Barnicle of Lexington, Kentucky
  • Full name (Changed if requested): Chantelle Barnicle
  • Current Credit: loans.hit.utils.Fico@65b3120a
  • Current City: Lexington
  • State: Kentucky
  • Zip code: 40513
  • Yearly income: $47,000
  • Current Job: security guard
  • Current County: Fayette
  • Goal Yearly Income: $139,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Conclusion of Chantelle’s quick loan

In the end, Chantelle was able to find a quick loan for $4000 with an interest rate of 10.4% interest APR from FORCHT BANK, NATIONAL ASSOCIATION in Lexington, Kentucky repayable over 23 years from now.

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.