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Unsecured Loan With Low APR In Ralls County, Missouri

$30000 Unsecured Loan – Perry Missouri, Credit Rating Of 744

  • Experian: 756 – They had an excellent Experian rating
  • Transunion: 729 – Elana had an excellent credit rating with Transunion.
  • Equifax: Elana’s Experian score was 744, which is an excellent credit rating on the Experian system.

Many past requests for credit have been made by Elana in the past, including one from Bank of Maryland – Harford County in Perry, Missouri before Elana was approved for the $30000 by Perry State Bank

Elana made 5 previous attempts to obtain an unsecured loan, 2 of which were with Bank of Maryland – Harford County, a lender in Perry, Missouri known to specialize in unsecured loans specifically. Prior to finding Perry State Bank, Elana was desperate due to their inexperience and excellent credit score.

Before applying for this unsecured loan, Elana had an Experian score of 756, which is excellent, so Perry State Bank likely cannot provide Elana an unsecured loan

Experian Score: 756

Installment loan for Elana, a graduate of Wesley College and a tax examiner working for over $69,000 per year

Elana, an alumnus at Wesley College and a tax examiner in Perry, Missouri wants an unsecured loan to purchase a new cell phone. Elana has instead decided to get an installment loan for $4,000 and is at present seeking lenders like The Baden Bank of St. Louis to process their request.

Client Profile: Elana Huhman of Perry, Missouri
  • Full name (Changed if requested): Elana Huhman
  • Current Credit: loans.hit.utils.Fico@30dae81
  • Current City: Perry
  • State: Missouri
  • Zip code: 63464
  • Yearly income: $48,000
  • Current Job: tax examiner
  • Current County: Ralls
  • Goal Yearly Income: $100,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Contact Details for Perry State Bank, the provider of this unsecured loan

  • Perry State Bank
  • City: Perry
  • State: Missouri
  • Address: 103 East Main Street
  • County: Ralls
  • Zip code: 63462

Signature Loan easily acquired in Perry, Missouri for $30000 with excellent credit by Elana

A lot of clients have difficulty with finding signature loans in Perry, Missouri, and Elana is not an exception. Elana went to 8 lending institutions or more before settling on Perry State Bank, who offered Elana a signature loan for $30000. Most signature loans simply require a client, like Elana’s signature to get them, up to $44,000 in some cases. Elana was able to get $30000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans do not need collateral, these loans generally need higher credit, as high as 790

Fast Loans for Elana in Perry, Missouri to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Perry, Missouri aren’t actually that difficult to obtain, particularly if you have some finesse like Elana. Elana was able to find a fast loan for $30000 from Cass Commercial Bank and Mercantile Bank of Franklin County, but declined both offers in favor of their unsecured loan from Perry State Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. An improvement if a borrower is on the go.

6 Months in the Past, Elana Tried to Find a High Risk Loan for $42,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Elana. Elana chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Individuals with credit ratings as low as 369 can apply for a high risk loan and possibly can be approved.

Personal Loan for a tax examiner named Elana in Perry, Missouri to Pay Off Sleep Train Credit Card

Elana had a tonne of credit card debt on their Walmart Credit Card and their Marshalls Credit Card, and they were starting to get in over their heads. Despite Elana’s job as a tax examiner, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Elana for this unsecured loan of $30000, provided by Perry State Bank

Hi, I am Elana and I am from Perry in Missouri. Ralls, county is where I grew up, and now I need a unsecured loan in Missouri for $30000 to buy a big ticket item. It wasn’t easy, but Perry State Bank really came through for me with this loan for 5.8% interest APR and a term of 14 years. I can repay the loan over the 14 year term, including interest. A big thanks to Perry State Bank for giving me a chance and my excellent credit. It look me 5 years to create my credit to 744, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

Previous requests on Elana’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$100390.00 5 9.2% $2093.69 Camden County Bank July 6, 2009
$99530.00 3 9.7% $3197.55 Glasgow Savings Bank January 18, 2011
$100420.00 3 10.1% $3244.99 Central Bank August 25, 2012
$100270.00 11 9.2% $1210.41 Midwest BankCentre November 25, 2013

Elana was declined by Midwest BankCentre 5 times prior to being approved by Perry State Bank at 103 East Main Street

On June 2, 2009, Elana inquired about borrowing $34,000 from Union Planters Bank of Missouri with Ettie, their friend from just outside Perry, and even with the co-signer, Elana was rejected for this unsecured loan. With excellent credit, it can be very hard to procure financing, even with collateral and a co-signer.

Elana’s Transunion score was altered by the unsecured loan loan, changing to 729 from 744, which is normal in our experience.

Transunion Score: 729

When Elana was 24, they tried to obtain a student loan from 4 alternate lenders, which harmed their credit rating. Below is a list of Elana’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on November 16, 2009
  • Attempt 2) Loan for $32,000.00 on September 16, 2009
  • Attempt 3) Loan for $36,000.00 on April 18, 2012
  • Attempt 4) Loan for $31,000.00 on September 20, 2013

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $25,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Elana required a debt consolidation loan to pay for their existing unsecured loan and their loan shark loan. Elana was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.7%.

Elana has a sad current gross income, but has a large amount of prospects

Elana has always wanted to be a funds development administrator, but would need attend Wesley College again to achieve it. Elana has other possibilities as well, including industrial relations specialist, zoo veterinarian, and emergency medical technician, which pay $59,000 through to $103,000 per year, at least. For this reason, we think that Elana can pay for this unsecured loan of $30000.

Elana’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their tax examiner job and their future job as a funds development administrator

Fico Score: 744

Conclusion of Elana’s unsecured loan

In the end, Elana was able to find an unsecured loan for $30000 with an interest rate of 8.8% interest APR from Perry State Bank in Perry, Missouri repayable over 14 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.