$152000 Secured Loan – Hazelton Kansas, Credit Rating Of 702
- Experian: 714 – This client had a good Experian score
- Transunion: 690 – Allena had a good credit rating with Transunion.
- Equifax: Allena’s Experian score was 702, which is a good credit rating using the Experian scale.
Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans vary from $35,000.00 to $44,000.00. They are typically used to pay off existing high interest loans like credit cards. Allena required a debt consolidation loan to pay for their existing secured loan and their payday loan. Allena was able to find a secured loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.7%.
Before applying for this secured loan, Allena had an Experian score of 714, which is good, so The Farmer’s State Bank likely cannot provide Allena a secured loan
Allena was rejected by The Fidelity State Bank 4 times before being approved by The Farmer’s State Bank at Main Street
On November 26, 2009, Allena applied about borrowing $13,000 from Fidelity State Bank and Trust Company with Maryln, their in law from just outside Hazelton, and even with the co-signer, Allena was rejected for this secured loan. With good credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Previous requests on Allena’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $32540.00 | 9 | 10.2% | $461.65 | Citizens Bank and Trust Company | April 11, 2009 |
| $33320.00 | 8 | 10.1% | $507.37 | The Morrill and Janes Bank and Trust Company | February 18, 2013 |
| $32630.00 | 8 | 11.5% | $521.41 | The Citizens State Bank, Liberal, Kansas | October 17, 2013 |
| $33120.00 | 10 | 9.4% | $426.75 | Citizens State Bank | December 7, 2014 |
Paraphrased and Standardized Quote from Allena for this secured loan of $152000, provided by The Farmer’s State Bank
Hello, I am Allena and I am from Hazelton in Kansas. Barber, county is where I grew up, and now I need a secured loan in Kansas for $152000 to avoid bankruptcy. It has been difficult, but The Farmer’s State Bank really came through for me with this loan for 7.2% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to The Farmer’s State Bank for trusting me and my good credit. It look me 5 years to build my credit to 702, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.
Signature Loan easily acquired in Hazelton, Kansas for $152000 with good credit by Allena
Most prospective borrowers struggle with finding signature loans in Hazelton, Kansas, and Allena is the same. Allena went to 8 lending institutions or more before finding The Farmer’s State Bank, who offered Allena a signature loan for $152000. Most signature loans simply require a client, like Allena’s signature to obtain them, up to $22,000 in some cases. Allena was able to get $152000 as a secured loan, which is very high for a secured loan. Since signature loans don’t need collateral, they generally need improved credit, as high as 718
Personal Loan for a computer customer support specialist named Allena in Hazelton, Kansas to Pay Off Dillard’s Rewards American Express Card
Allena had a lot of credit card debt on their Elvis Presley Visa Platinum Rewards Card and their Arvest Elite Purchasing Visa Card, and they were starting to get in over their heads. Despite Allena’s job as a computer customer support specialist, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Fast Loans for Allena in Hazelton, Kansas to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Hazelton, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Allena. Allena was able to find a fast loan for $152000 from The Farmers State Bank of Oakley, Kansas and Alterra Bank, but turned down both offers in favor of their secured loan from The Farmer’s State Bank. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement in the case that you are in a pinch.
Multiple past requests for credit have been made by Allena in the past, including one from The Community Bank in Hazelton, Kansas before Allena was approved for the $152000 by The Farmer’s State Bank
Allena made 8 previous tries to obtain a secured loan, 2 of which were with The Community Bank, a lender in Hazelton, Kansas known to specialize in secured loans specifically. Before finding The Farmer’s State Bank, Allena was desperate due to their inexperience and good credit rating.
- Full name (Changed if requested): Allena Sutt
- Current Credit: loans.hit.utils.Fico@70177ecd
- Current City: Hazelton
- State: Kansas
- Zip code: 67066
- Yearly income: $39,000
- Current Job: computer customer support specialist
- Current County: Barber
- Goal Yearly Income: $90,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Contact Details for The Farmer’s State Bank, the provider of this secured loan
- The Farmer’s State Bank
- City: Hazelton
- State: Kansas
- Address: Main Street
- County: Barber
- Zip code: 67061
Allena has a very low current total income, but has a high number of prospects
Allena has always wanted to be a mentally retarded students teacher, but would need attend Naugatuck Valley Community College again to achieve it. Allena has other prospects as well, including automotive body repairer, security guard, and dietitian and nutritionist, which pay $55,000 through to $93,000 per year, on average. For this reason, we think that Allena can afford this secured loan of $152000.
When Allena was 23, they tried to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a list of Allena’s prior attempts at finding a student loan:
- Attempt 1) Loan for $32,000.00 on October 31, 2011
- Attempt 2) Loan for $34,000.00 on August 17, 2012
- Attempt 3) Loan for $37,000.00 on January 29, 2009
- Attempt 4) Loan for $29,000.00 on August 26, 2011
- Attempt 5) Loan for $35,000.00 on January 8, 2009
- Attempt 6) Loan for $34,000.00 on February 23, 2012
7 Months Ago, Allena Attempted Finding a High Risk Loan for $24,000.00, and it was Easy
There is an ongoing struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Allena. Allena 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 354 can inquire for a high risk loan and have a chance to be approved.
Allena’s Overall FICO score at the time of acceptance for a secured loan, taking into account their computer customer support specialist job and their future career as a mentally retarded students teacher
Installment loan for Allena, a graduate of Naugatuck Valley Community College and a computer customer support specialist working for over $67,000 per year
Allena, an alumnus at Naugatuck Valley Community College and a computer customer support specialist in Hazelton, Kansas needs a secured loan to purchase a car. Allena has instead chosen to get an installment loan for $11,000 and is currently seeking lenders like Home State Bank to provide it.
Allena’s Transunion score was changed by the secured loan loan, changing to 690 from 702, which is typical in our experience.
Conclusion of Allena’s secured loan
In the end, Allena was able to find a secured loan for $152000 with an interest rate of 5.5% interest APR from The Farmer’s State Bank in Hazelton, Kansas repayable over 12 years from now.
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