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Roman Wanted A Signature Loan For $86000, Petersburg, Illinois

$86000 Signature Loan – Petersburg Illinois, Credit Score Of 497

  • Experian: 513 – They had a bad Experian score
  • Transunion: 484 – Roman had a bad credit score with Transunion.
  • Equifax: Roman’s Experian score was 497, which is a bad credit score with the Experian rating scheme.

Roman’s Overall FICO score at the time of acceptance for a signature loan, taking into account their bank teller job and their future career as an environmental planner

Fico Score: 497

Signature Loan easily acquired in Petersburg, Illinois for $86000 with bad credit by Roman

Most clients have difficulty with finding signature loans in Petersburg, Illinois, and Roman is not an exception. Roman went to 5 lenders or more prior to finding Illini Bank of Menard County, who offered Roman a signature loan for $86000. Most signature loans simply need a client, like Roman’s signature to get them, up to $47,000 in some cases. Roman was able to get $86000 as a signature loan, which is very high for a signature loan. Because signature loans don’t need collateral, they generally require improved credit, as high as 713

Roman’s Transunion score was altered by the signature loan loan, changing to 484 from 497, which is normal in our experience.

Transunion Score: 484

Many other requests for credit have been made by Roman in the past, including one from Chas. Schreiner Bank in Petersburg, Illinois before Roman was accepted for the $86000 by Illini Bank of Menard County

Roman made 4 previous tries to obtain a signature loan, 2 of which were with Chas. Schreiner Bank, a bank in Petersburg, Illinois known to specialize in signature loans specifically. Before finding Illini Bank of Menard County, Roman was very concerned due to their inexperience and bad credit rating.

Installment loan for Roman, a graduate of Chamberlain College of Nursing and a bank teller working for over $71,000 per year

Roman, an alumnus at Chamberlain College of Nursing and a bank teller in Petersburg, Illinois needs a signature loan to purchase a new cell phone. Roman has instead decided to obtain an installment loan for $22,000 and is at present seeking lenders like Old Kent Bank to provide it.

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

Average debt consolidation loans vary from $34,000.00 to $58,000.00. They are normally used to pay off existing high interest loans like credit cards. Roman needed a debt consolidation loan to pay for their existing signature loan and their credit card. Roman was able to find a signature loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.2%.

Fast Loans for Roman in Petersburg, Illinois to prevent bankruptcy or harm from debt collectors.

Fast loans in Petersburg, Illinois aren’t actually that difficult to obtain, especially if you have some finesse like Roman. Roman was able to find a fast loan for $86000 from The National Republic Bank of Chicago and Uptown National Bank of Chicago, but declined both offers in favor of their signature loan from Illini Bank of Menard County. 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 5 weeks for debt consolidation loans. An improvement if you are on the go.

Personal Loan for a bank teller named Roman in Petersburg, Illinois to Pay Off Doctors Foster & Smith Visa

Roman had a lot of credit card debt on their Teachers FCU Platinum Visa and their Tompkins Trust Secured Visa Card, and they were starting to get in over their heads. Despite Roman’s job as a bank teller, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Roman for this signature loan of $86000, provided by Illini Bank of Menard County

Hello, I am Roman and I am from Petersburg in Illinois. Menard, county is where I grew up, and now I need a signature loan in Illinois for $86000 to pay bills. It wasn’t easy, but Illini Bank of Menard County really came through for me with this loan for 7.5% interest APR and a term of 7 years. I can probably repay the loan over the 7 year term, including interest. A big thanks to Illini Bank of Menard County for trusting me and my bad credit. It look me 7 years to create my credit to 497, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Roman has a low current yearly income, but has several of prospects

Roman has always wanted to be an environmental planner, but would need attend Chamberlain College of Nursing again to achieve it. Roman has other possibilities as well, including makeup artists – theatrical, airline flight control administrator, and fashion designer, which pay $52,000 through to $102,000 per year, at least. Because of this, we believe that Roman can pay for this signature loan of $86000.

8 Months Ago, Roman Attempted Finding 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 non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Roman. Roman decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Clients with credit scores as low as 529 can apply for a high risk loan and have a chance to be approved.

Roman was rejected by Citizens State Bank of Milford 4 times prior to being accepted by Illini Bank of Menard County at 420 East Sangamon Street

On November 10, 2008, Roman inquired about borrowing $33,000 from Bank One, Illinois, National Association with Maryam, their in law from just outside Petersburg, and even with the co-signer, Roman was rejected for this signature loan. With bad credit, it can be difficult to procure funding, even with collateral and a co-signer.

Before applying for this signature loan, Roman had an Experian score of 513, which is bad, so Illini Bank of Menard County most likely cannot provide Roman a signature loan

Experian Score: 513

Client Profile: Roman Zaruba of Petersburg, Illinois
  • Full name (Changed if requested): Roman Zaruba
  • Current Credit: loans.hit.utils.Fico@cc34f4d
  • Current City: Petersburg
  • State: Illinois
  • Zip code: 62680
  • Yearly income: $62,000
  • Current Job: bank teller
  • Current County: Menard
  • Goal Yearly Income: $119,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

When Roman was 23, they tried to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a list of Roman’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on January 9, 2009
  • Attempt 2) Loan for $25,000.00 on September 12, 2011
  • Attempt 3) Loan for $29,000.00 on May 28, 2013
  • Attempt 4) Loan for $32,000.00 on June 18, 2010

Contact Details for Illini Bank of Menard County, the provider of this signature loan

  • Illini Bank of Menard County
  • City: Petersburg
  • State: Illinois
  • Address: 420 East Sangamon Street
  • County: Menard
  • Zip code: 62675

Previous requests on Roman’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$56700.00 4 7.2% $1363.02 The Gerber State Bank December 26, 2008
$56600.00 7 5.8% $821.43 The Belvidere National Bank and Trust Company October 22, 2009
$57470.00 11 6.5% $610.55 Commerce Bank July 1, 2012
$56790.00 8 5.8% $740.78 Byron Bank April 8, 2013
$56710.00 5 11.8% $1255.76 Amalgamated Bank of Chicago January 29, 2015

Conclusion of Roman’s signature loan

In the end, Roman was able to find a signature loan for $86000 with an interest rate of 8.5% interest APR from Illini Bank of Menard County in Petersburg, Illinois repayable over 7 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.