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Shalonda Had Need For A Fast Loan For $81000, Genoa, Illinois

$81000 Fast Loan – Genoa Illinois, Credit Score Of 360

  • Experian: 376 – They had a terrible Experian score
  • Transunion: 348 – Shalonda had a terrible credit rating with Transunion.
  • Equifax: Shalonda’s Experian score was 360, which is a terrible credit rating using the Experian scale.

Contact Details for First Savings and Loan Association of Sycamore, the provider of this fast loan

  • First Savings and Loan Association of Sycamore
  • City: Genoa
  • State: Illinois
  • Address: 405 West Main Street
  • County: Dekalb
  • Zip code: 60135

Shalonda has a very low current yearly income, but has several of prospects

Shalonda has always wanted to be a radio & tv program director, but would need attend PC AGE – Jersey City again to achieve it. Shalonda has other possibilities as well, including graduate teaching assistant, door to door salesmen, and military analyst, which pay $58,000 through to $108,000 per year, on average. For this reason, we believe that Shalonda can pay for this fast loan of $81000.

Installment loan for Shalonda, a graduate of PC AGE – Jersey City and a harbor master working for over $77,000 per year

Shalonda, an alumnus at PC AGE – Jersey City and a harbor master in Genoa, Illinois wants a fast loan to purchase a car. Shalonda has instead chosen to get an installment loan for $27,000 and is at present seeking lenders like Central National Bank of Mattoon to process their request.

7 Months Ago, Shalonda Tried Finding a High Risk Loan for $32,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients 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 physically harmful to borrowers like Shalonda. Shalonda decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Individuals with credit ratings as low as 579 can inquire for a high risk loan and may be be accepted.

Shalonda’s Transunion score was altered by the fast loan loan, changing to 348 from 360, which is typical in our experience.

Transunion Score: 348

When Shalonda was 19, they tried to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a chronology of Shalonda’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on September 15, 2011
  • Attempt 2) Loan for $26,000.00 on June 12, 2012
  • Attempt 3) Loan for $37,000.00 on January 3, 2010
  • Attempt 4) Loan for $37,000.00 on August 21, 2011
  • Attempt 5) Loan for $22,000.00 on June 20, 2009
  • Attempt 6) Loan for $21,000.00 on August 24, 2013

Multiple other requests for credit have been made by Shalonda in the past, including one from Corpus Christi National Bank in Genoa, Illinois before Shalonda was accepted for the $81000 by First Savings and Loan Association of Sycamore

Shalonda made 5 previous tries to obtain a fast loan, 2 of which were with Corpus Christi National Bank, a lender in Genoa, Illinois known to specialize in fast loans specifically. Prior to finding First Savings and Loan Association of Sycamore, Shalonda was very concerned due to their inexperience and terrible credit score.

Client Profile: Shalonda Stenseth of Genoa, Illinois
  • Full name (Changed if requested): Shalonda Stenseth
  • Current Credit: loans.hit.utils.Fico@6f539caf
  • Current City: Genoa
  • State: Illinois
  • Zip code: 60140
  • Yearly income: $64,000
  • Current Job: harbor master
  • Current County: Dekalb
  • Goal Yearly Income: $99,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Shalonda’s Overall FICO score at the time of acceptance for a fast loan, taking into account their harbor master job and their future career as a radio & tv program director

Fico Score: 360

Previous requests on Shalonda’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$102260.00 3 8.5% $3228.1 The Gerber State Bank June 26, 2009
$101540.00 11 9.3% $1231.39 The Belvidere National Bank and Trust Company April 22, 2013
$101880.00 9 8.6% $1358.25 Commerce Bank June 7, 2014
$102400.00 9 5.8% $1219.29 Byron Bank August 24, 2014
$102370.00 4 6.4% $2422.98 Amalgamated Bank of Chicago October 10, 2014

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $39,000.00 to $57,000.00. They are typically used to pay off existing high interest loans like credit cards. Shalonda needed a debt consolidation loan to pay for their existing fast loan and their loan shark loan. Shalonda was able to find a fast loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.2%.

Before applying for this fast loan, Shalonda had an Experian score of 376, which is terrible, so First Savings and Loan Association of Sycamore most likely cannot provide Shalonda a fast loan

Experian Score: 376

Signature Loan acquired in Genoa, Illinois for $81000 with terrible credit by Shalonda

Many clients have difficulty with finding signature loans in Genoa, Illinois, and Shalonda is not an exception. Shalonda went to 7 lenders or more prior to finding First Savings and Loan Association of Sycamore, who offered Shalonda a signature loan for $81000. Typical signature loans simply need a client, like Shalonda’s signature to obtain them, up to $24,000 in some cases. Shalonda was able to get $81000 as a fast loan, which is very high for a fast loan. Because signature loans do not require collateral, they generally require better credit, as high as 740

Shalonda was rejected by Byron Bank 7 times before being approved by First Savings and Loan Association of Sycamore at 405 West Main Street

On April 1, 2011, Shalonda inquired about borrowing $17,000 from Uptown National Bank of Chicago with Alicia, their friend from just outside Genoa, and even with the co-signer, Shalonda was rejected for this fast loan. With terrible credit, it can be challenging to procure financing, even with collateral and a co-signer.

Personal Loan for a harbor master named Shalonda in Genoa, Illinois to Pay Off Wells Fargo Cash Back College Visa Card

Shalonda had a tonne of credit card debt on their Atlantic Stewardship Bank Travel Rewards American Express Card and their JC Penney Credit Card, and they were starting to get in over their heads. Despite Shalonda’s job as a harbor master, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Shalonda in Genoa, Illinois to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Genoa, Illinois aren’t actually that difficult to obtain, especially if you have some finesse like Shalonda. Shalonda was able to find a fast loan for $81000 from Farmers & Mechanics Bank and Harris Trust and Savings Bank, but declined both offers in favor of their fast loan from First Savings and Loan Association of Sycamore. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. An improvement in the case that you are on the go.

Paraphrased and Standardized Quote from Shalonda for this fast loan of $81000, provided by First Savings and Loan Association of Sycamore

Hello, I am Shalonda and I’m from Genoa in Illinois. Dekalb, county is where I grew up, and now I need a fast loan in Illinois for $81000 to pay bills. It has been difficult, but First Savings and Loan Association of Sycamore really came through for me with this loan for 8.0% interest APR and a term of 5 years. I will repay the loan over the 5 year term, including interest. A big thanks to First Savings and Loan Association of Sycamore for giving me a chance and my terrible credit. It look me 6 years to create my credit to 360, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.

Conclusion of Shalonda’s fast loan

In the end, Shalonda was able to find a fast loan for $81000 with an interest rate of 10.5% interest APR from First Savings and Loan Association of Sycamore in Genoa, Illinois repayable over 5 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.