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Taylor Wanted A Private Loan For $117000, Webster, South Dakota

$117000 Private Loan – Webster South Dakota, Credit Score Of 829

  • Experian: 841 – This individual had an excellent Experian score
  • Transunion: 816 – Taylor had an excellent credit score with Transunion.
  • Equifax: Taylor’s Experian score was 829, which is an excellent credit rating on the Experian rating scheme.
Client Profile: Taylor Nakaahiki of Webster, South Dakota
  • Full name (Changed if requested): Taylor Nakaahiki
  • Current Credit: loans.hit.utils.Fico@3f91beef
  • Current City: Webster
  • State: South Dakota
  • Zip code: 57281
  • Yearly income: $42,000
  • Current Job: clinical psychologist
  • Current County: Day
  • Goal Yearly Income: $90,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Installment loan for Taylor, a graduate of Wilkes-Barre VAMC Residency in Ocular Disease and a clinical psychologist working for over $67,000 per year

Taylor, an alumnus at Wilkes-Barre VAMC Residency in Ocular Disease and a clinical psychologist in Webster, South Dakota needs a private loan to purchase a new cell phone. Taylor has instead decided to get an installment loan for $10,000 and is currently seeking lenders like American Bank & Trust to process their request.

When Taylor was 23, they attempted to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a list of Taylor’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on June 14, 2009
  • Attempt 2) Loan for $32,000.00 on January 2, 2012
  • Attempt 3) Loan for $37,000.00 on October 15, 2010
  • Attempt 4) Loan for $27,000.00 on June 10, 2013
  • Attempt 5) Loan for $30,000.00 on August 27, 2011
  • Attempt 6) Loan for $20,000.00 on November 18, 2009

Signature Loan easily acquired in Webster, South Dakota for $117000 with excellent credit by Taylor

Many borrowers have difficulty with finding signature loans in Webster, South Dakota, and Taylor is not an exception. Taylor went to 6 lending institutions or more before settling on Day County Bank, who offered Taylor a signature loan for $117000. Typical signature loans simply require a client, like Taylor’s signature to get them, up to $39,000 in some cases. Taylor was able to get $117000 as a private loan, which is very high for a private loan. Since signature loans don’t require a cosigner, these loans generally need improved credit, as high as 707

Several other requests for credit have been made by Taylor in the past, including one from Fortress Bank Minnesota in Webster, South Dakota before Taylor was accepted for the $117000 by Day County Bank

Taylor made 6 prior attempts to obtain a private loan, 2 of which were with Fortress Bank Minnesota, a lending institution in Webster, South Dakota known to specialize in private loans specifically. Before finding Day County Bank, Taylor was desperate due to their inexperience and excellent credit rating.

Fast Loans for Taylor in Webster, South Dakota to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Webster, South Dakota aren’t actually that difficult to obtain, particularly if you have some gumption like Taylor. Taylor was able to find a fast loan for $117000 from First State Bank of Claremont and Citizens State Bank, of Arlington, but turned down both offers in favor of their private loan from Day County Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference in the case that a client is in a pinch.

Previous requests on Taylor’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$86860.00 4 7.4% $2096.13 The Peoples Bank November 20, 2011
$86600.00 7 9.5% $1415.39 First State Bank of Claremont June 9, 2013
$87280.00 6 8.8% $1564.62 Security State Bank February 16, 2014
$87360.00 7 6.3% $1288.8 First Western Bank April 19, 2014

Paraphrased and Standardized Quote from Taylor for this private loan of $117000, provided by Day County Bank

Hello, I am Taylor and my hometown is Webster in South Dakota. Day, county is where I grew up, and now I need a private loan in South Dakota for $117000 to avoid bankruptcy. It has been difficult, but Day County Bank really came through for me with this loan for 7.7% interest APR and a term of 24 years. I can repay the loan over the 24 year term, including interest. A big thanks to Day County Bank for trusting me and my excellent credit. It look me 6 years to build my credit to 829, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Taylor has a sad current yearly income, but has a large amount of prospects

Taylor has always wanted to be an admiralty lawyer, but would have to attend Wilkes-Barre VAMC Residency in Ocular Disease again to become one. Taylor has other prospects as well, including tax collector, fish hatchery specialist, and glass blower, which pay $55,000 through to $103,000 per year, at least. Because of this, we believe that Taylor can pay for this private loan of $117000.

Personal Loan for a clinical psychologist named Taylor in Webster, South Dakota to Pay Off First National Bank Omaha BucksBack Platinum Edition Visa Card

Taylor had a tonne of credit card debt on their Five Star Bank Cash Rewards American Express Card and their Astoria Bank Business Edition Visa Card with Absolute Rewards, and they were starting to get in over their heads. Despite Taylor’s job as a clinical psychologist, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Before applying for this private loan, Taylor had an Experian score of 841, which is excellent, so Day County Bank probably cannot provide Taylor a private loan

Experian Score: 841

8 Months in the Past, Taylor Attempted to Find a High Risk Loan for $43,000.00, and it was Hard

There is an well known struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Taylor. Taylor chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit borrowers. Individuals with credit ratings as low as 506 can inquire for a high risk loan and may be be accepted.

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

Average debt consolidation loans vary from $25,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Taylor needed a debt consolidation loan to pay for their existing private loan and their credit card. Taylor was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.5%.

Taylor’s Transunion score was altered by the private loan loan, changing to 816 from 829, which is normal in our experience.

Transunion Score: 816

Taylor was rejected by First State Bank 4 times before being approved by Day County Bank at 36 West 7th Avenue

On April 6, 2010, Taylor inquired about borrowing $9,000 from Farmers State Bank with Lino, their in law from just outside Webster, and even with the co-signer, Taylor was rejected for this private loan. With excellent credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Taylor’s Overall FICO score at the time of acceptance for a private loan, taking into account their clinical psychologist job and their future career as an admiralty lawyer

Fico Score: 829

Contact Details for Day County Bank, the provider of this private loan

  • Day County Bank
  • City: Webster
  • State: South Dakota
  • Address: 36 West 7th Avenue
  • County: Day
  • Zip code: 57274

Conclusion of Taylor’s private loan

In the end, Taylor was able to find a private loan for $117000 with an interest rate of 6.4% interest APR from Day County Bank in Webster, South Dakota repayable over 24 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.