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Quick Loan Of $27000 For Bad Credit Wisconsin Resident

$27000 Quick Loan – Rosholt Wisconsin, Credit Rating Of 473

  • Experian: 483 – They had a bad Experian score
  • Transunion: 458 – Penelope had a bad credit score with Transunion.
  • Equifax: Penelope’s Experian score was 473, which is a bad credit rating using the Experian rating scheme.

Contact Details for Community First Bank, the provider of this quick loan

  • Community First Bank
  • City: Rosholt
  • State: Wisconsin
  • Address: 275 West Grand Avenue
  • County: Portage
  • Zip code: 54473

8 Months Ago, Penelope Tried to Find a High Risk Loan for $45,000.00, and it was Easy

It is an well known struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Penelope. Penelope chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Clients with credit ratings as low as 591 can apply for a high risk loan and possibly can be accepted.

Penelope’s Transunion score was altered by the quick loan loan, changing to 458 from 473, which is normal in our experience.

Transunion Score: 458

Signature Loan acquired in Rosholt, Wisconsin for $27000 with bad credit by Penelope

A lot of clients struggle with finding signature loans in Rosholt, Wisconsin, and Penelope is the same. Penelope went to 5 lenders or more before settling on Community First Bank, who offered Penelope a signature loan for $27000. Most signature loans simply require a client, like Penelope’s signature to get them, up to $23,000 in some cases. Penelope was able to get $27000 as a quick loan, which is very high for a quick loan. Since signature loans don’t need collateral, these loans tend to require higher credit, as high as 773

Penelope was declined by The Bank of Brodhead 7 times prior to being approved by Community First Bank at 275 West Grand Avenue

On August 13, 2012, Penelope inquired about borrowing $28,000 from Citizens State Bank of La Crosse with Avery, their in law from just outside Rosholt, and even with the co-signer, Penelope was rejected for this quick loan. With bad credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Client Profile: Penelope Devara of Rosholt, Wisconsin
  • Full name (Changed if requested): Penelope Devara
  • Current Credit: loans.hit.utils.Fico@4fca772d
  • Current City: Rosholt
  • State: Wisconsin
  • Zip code: 54479
  • Yearly income: $36,000
  • Current Job: casino cage worker
  • Current County: Portage
  • Goal Yearly Income: $103,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Installment loan for Penelope, a graduate of San Francisco Theological Seminary and a casino cage worker working for over $79,000 per year

Penelope, an alumnus at San Francisco Theological Seminary and a casino cage worker in Rosholt, Wisconsin wants a quick loan to purchase a new cell phone. Penelope has instead chosen to get an installment loan for $17,000 and is currently seeking lenders like Citizens State Bank to provide it.

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $34,000.00 to $57,000.00. They are mainly used to pay off existing high interest loans like credit cards. Penelope required a debt consolidation loan to pay for their existing quick loan and their loan shark loan. Penelope was able to find a quick loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.8%.

When Penelope was 20, they tried to obtain a student loan from 7 different banks, which damaged their credit rating. Below is a chronology of Penelope’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on October 31, 2008
  • Attempt 2) Loan for $34,000.00 on February 22, 2011
  • Attempt 3) Loan for $30,000.00 on November 28, 2009
  • Attempt 4) Loan for $32,000.00 on July 15, 2009
  • Attempt 5) Loan for $21,000.00 on August 10, 2011
  • Attempt 6) Loan for $25,000.00 on December 18, 2011
  • Attempt 7) Loan for $38,000.00 on September 3, 2009

Personal Loan for a casino cage worker named Penelope in Rosholt, Wisconsin to Pay Off AAA Cash Rewards MasterCard

Penelope had a lot of credit card debt on their Garden State Community Bank American Express Card and their NEA Accelerated Rewards American Express Card, and they were starting to get in over their heads. Despite Penelope’s job as a casino cage worker, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Penelope’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$107870.00 4 6.7% $2568.09 M&I Bank of Burlington October 21, 2008
$108440.00 4 9.1% $2703.69 M&I Marshall and Ilsley Bank January 23, 2013
$107620.00 9 9.8% $1503.52 Continental Bank & Trust Co. May 13, 2014
$108250.00 7 10.1% $1802.68 Clare Bank, National Association December 13, 2014
$108350.00 8 10.1% $1649.86 Norwest Bank Wisconsin East Central February 19, 2015

Fast Loans for Penelope in Rosholt, Wisconsin to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Rosholt, Wisconsin aren’t actually that difficult to obtain, particularly if you have some gumption like Penelope. Penelope was able to find a fast loan for $27000 from Peoples State Bank of Bloomer and Associated Bank Madison, but declined both offers in favor of their quick loan from Community First Bank. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big improvement if you are in a time sensitive situation.

Multiple past requests for credit have been made by Penelope in the past, including one from Norwest Bank Monaco, National Association in Rosholt, Wisconsin before Penelope was accepted for the $27000 by Community First Bank

Penelope made 4 previous attempts to obtain a quick loan, 2 of which were with Norwest Bank Monaco, National Association, a bank in Rosholt, Wisconsin known to specialize in quick loans specifically. Prior to finding Community First Bank, Penelope was concerned due to their inexperience and bad credit score.

Penelope has a very low current gross income, but has a high number of prospects

Penelope has always wanted to be a greenhouse and nursery manager, but would have to attend San Francisco Theological Seminary again to achieve it. Penelope has other possibilities as well, including credit analyst, dental laboratory technician, and home appliance installer, which pay $51,000 through to $95,000 per year, on average. Because of this, we think that Penelope can pay for this quick loan of $27000.

Before applying for this quick loan, Penelope had an Experian score of 483, which is bad, so Community First Bank likely cannot provide Penelope a quick loan

Experian Score: 483

Penelope’s Overall FICO score at the time of acceptance for a quick loan, taking into account their casino cage worker job and their future job as a greenhouse and nursery manager

Fico Score: 473

Paraphrased and Standardized Quote from Penelope for this quick loan of $27000, provided by Community First Bank

Hi, I am Penelope and my hometown is Rosholt in Wisconsin. Portage, county is where I grew up, and now I need a quick loan in Wisconsin for $27000 to buy a big ticket item. It wasn’t easy, but Community First Bank really came through for me with this loan for 5.7% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to Community First Bank for giving me a chance and my bad credit. It look me 8 years to build my credit to 473, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.

Conclusion of Penelope’s quick loan

In the end, Penelope was able to find a quick loan for $27000 with an interest rate of 5.6% interest APR from Community First Bank in Rosholt, Wisconsin repayable over 21 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.