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Same Day Loan For $72000 Near 52748, Iowa With A Credit Score Of 388

$72000 Same Day Loan – Eldridge Iowa, Credit Rating Of 388

  • Experian: 401 – This individual had a terrible Experian score
  • Transunion: 369 – Duane had a terrible credit score with Transunion.
  • Equifax: Duane’s Experian score was 388, which is a terrible credit score on the Experian rating scheme.

Previous requests on Duane’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$22310.00 9 6.2% $270.06 Mills County Bank National Association July 21, 2011
$22440.00 11 7.4% $248.97 Postville State Bank June 21, 2012
$22140.00 11 9.3% $268.49 Washington State Bank October 19, 2013
$21820.00 11 11.6% $293.31 Rippey Savings Bank July 31, 2014

Contact Details for Central Trust and Savings Bank, the provider of this same day loan

  • Central Trust and Savings Bank
  • City: Eldridge
  • State: Iowa
  • Address: 212 West Davenport Street
  • County: Scott
  • Zip code: 52748

Before applying for this same day loan, Duane had an Experian score of 401, which is terrible, so Central Trust and Savings Bank probably cannot provide Duane a same day loan

Experian Score: 401

8 Months in the Past, Duane Attempted to Find a High Risk Loan for $23,000.00, and it was Easy

There is an ongoing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Duane. Duane decided not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Clients with credit scores as low as 398 can inquire for a high risk loan and possibly can be approved.

Client Profile: Duane Juedes of Eldridge, Iowa
  • Full name (Changed if requested): Duane Juedes
  • Current Credit: loans.hit.utils.Fico@7c3df479
  • Current City: Eldridge
  • State: Iowa
  • Zip code: 52752
  • Yearly income: $68,000
  • Current Job: high school guidance counselor
  • Current County: Scott
  • Goal Yearly Income: $134,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Duane has a low current gross income, but has several of prospects

Duane has always wanted to be a psychiatric technician, but would have to attend Lincoln Technical Institute – Fern Park again to achieve it. Duane has other possibilities as well, including contract specialist, hospital nurse, and unemployment inspector, which pay $53,000 through to $90,000 per year, at least. For this reason, we believe that Duane can pay for this same day loan of $72000.

Duane was rejected by Security State Bank 7 times before being approved by Central Trust and Savings Bank at 212 West Davenport Street

On November 6, 2010, Duane applied about borrowing $25,000 from American State Bank with Sigrid, their in law from just outside Eldridge, and even with the co-signer, Duane was rejected for this same day loan. With terrible credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Duane for this same day loan of $72000, provided by Central Trust and Savings Bank

Hello, I am Duane and I’m from Eldridge in Iowa. Scott, county is where I grew up, and now I need a same day loan in Iowa for $72000 to pay bills. It has been difficult, but Central Trust and Savings Bank really came through for me with this loan for 7.0% 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 Central Trust and Savings Bank for trusting me and my terrible credit. It look me 9 years to build my credit to 388, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.

Many past requests for credit have been made by Duane in the past, including one from Harrison County Bank in Eldridge, Iowa before Duane was approved for the $72000 by Central Trust and Savings Bank

Duane made 9 previous attempts to obtain a same day loan, 2 of which were with Harrison County Bank, a lending institution in Eldridge, Iowa known to specialize in same day loans specifically. Before finding Central Trust and Savings Bank, Duane was concerned due to their inexperience and terrible credit rating.

Personal Loan for a high school guidance counselor named Duane in Eldridge, Iowa to Pay Off SEFCU Secured MasterCard

Duane had a tonne of credit card debt on their ESL Visa Secured Credit Card and their NAPA AutoCare EasyPay Credit Card, and they were starting to get in over their heads. Despite Duane’s job as a high school guidance counselor, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Duane’s Overall FICO score at the time of acceptance for a same day loan, taking into account their high school guidance counselor job and their future job as a psychiatric technician

Fico Score: 388

Installment loan for Duane, a graduate of Lincoln Technical Institute – Fern Park and a high school guidance counselor working for over $62,000 per year

Duane, an alumnus at Lincoln Technical Institute – Fern Park and a high school guidance counselor in Eldridge, Iowa wants a same day loan to purchase something frivolous. Duane has instead decided to obtain an installment loan for $16,000 and is at present seeking lenders like Community State Bank to provide it.

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

Average debt consolidation loans vary from $30,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Duane required a debt consolidation loan to pay for their existing same day loan and their payday loan. Duane was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.8%.

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

Fast loans in Eldridge, Iowa aren’t actually that difficult to obtain, particularly if you have some finesse like Duane. Duane was able to find a fast loan for $72000 from Iowa State Bank and Raccoon Valley State Bank, but declined both offers in favor of their same day loan from Central Trust and Savings 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 7 weeks for debt consolidation loans. A big difference if a client is in a time sensitive situation.

When Duane was 20, they attempted to obtain a student loan from 5 alternate banks, which harmed their credit score. Below is a chronology of Duane’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on May 11, 2011
  • Attempt 2) Loan for $33,000.00 on December 23, 2009
  • Attempt 3) Loan for $29,000.00 on August 17, 2011
  • Attempt 4) Loan for $38,000.00 on March 24, 2012
  • Attempt 5) Loan for $37,000.00 on April 20, 2013

Signature Loan found in Eldridge, Iowa for $72000 with terrible credit by Duane

Most prospective borrowers have difficulty with finding signature loans in Eldridge, Iowa, and Duane is no different. Duane went to 4 lenders or more before settling on Central Trust and Savings Bank, who offered Duane a signature loan for $72000. Most signature loans simply require a client, like Duane’s signature to get them, up to $28,000 in some cases. Duane was able to get $72000 as a same day loan, which is very high for a same day loan. Since signature loans don’t need a cosigner, they generally need higher credit, as high as 702

Duane’s Transunion score was altered by the same day loan loan, changing to 369 from 388, which is normal in our experience.

Transunion Score: 369

Conclusion of Duane’s same day loan

In the end, Duane was able to find a same day loan for $72000 with an interest rate of 11.5% interest APR from Central Trust and Savings Bank in Eldridge, 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.