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6 Year Debt Consolidation Loan For Angelo In Sturgeon Missouri

$36000 Debt Consolidation Loan – Sturgeon Missouri, Credit Rating Of 474

  • Experian: 484 – This client had a bad Experian rating
  • Transunion: 459 – Angelo had a bad credit rating with Transunion.
  • Equifax: Angelo’s Experian score was 474, which is a bad credit rating with the Experian rating scheme.

Angelo was rejected by Boatmen’s Bank of Webster Groves 7 times prior to being approved by Sturgeon State Bank at 117 North Ogden

On April 15, 2009, Angelo applied about borrowing $30,000 from Commerce Bank of Moberly, National Association with Ria, their in law from just outside Sturgeon, and even with the co-signer, Angelo was rejected for this debt consolidation loan. With bad credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Client Profile: Angelo Halnon of Sturgeon, Missouri
  • Full name (Changed if requested): Angelo Halnon
  • Current Credit: loans.hit.utils.Fico@50040f0c
  • Current City: Sturgeon
  • State: Missouri
  • Zip code: 65285
  • Yearly income: $50,000
  • Current Job: construction trades supervisor
  • Current County: Boone
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Angelo’s Transunion score was changed by the debt consolidation loan loan, changing to 459 from 474, which is normal in our experience.

Transunion Score: 459

9 Months Ago, Angelo Attempted Finding a High Risk Loan for $32,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Angelo. Angelo decided not to obtain a high risk loan this time. High Risk loans are given to terrible credit borrowers. Clients with credit ratings as low as 333 can inquire for a high risk loan and possibly can be approved.

Personal Loan for a construction trades supervisor named Angelo in Sturgeon, Missouri to Pay Off Apple Barclaycard Financing Visa Card

Angelo had a tonne of credit card debt on their Oregon-California Trails Association Visa Card and their Asiana Visa Business Card, and they were starting to get in over their heads. Despite Angelo’s job as a construction trades supervisor, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Angelo for this debt consolidation loan of $36000, provided by Sturgeon State Bank

Hello, I am Angelo and my hometown is Sturgeon in Missouri. Boone, county is where I grew up, and now I need a debt consolidation loan in Missouri for $36000 to renovate my home. It has been difficult, but Sturgeon State Bank really came through for me with this loan for 8.6% interest APR and a term of 6 years. I can probably repay the loan over the 6 year term, including interest. A big thanks to Sturgeon State Bank for trusting me and my bad credit. It look me 6 years to create my credit to 474, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.

Contact Details for Sturgeon State Bank, the provider of this debt consolidation loan

  • Sturgeon State Bank
  • City: Sturgeon
  • State: Missouri
  • Address: 117 North Ogden
  • County: Boone
  • Zip code: 65284

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $36,000.00 to $51,000.00. They are mainly used to pay off existing high interest loans like credit cards. Angelo needed a debt consolidation loan to pay for their existing debt consolidation loan and their credit card. Angelo was able to find a debt consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your less desirable, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.6%.

Fast Loans for Angelo in Sturgeon, Missouri to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Sturgeon, Missouri aren’t actually that difficult to obtain, especially if you have some gumption like Angelo. Angelo was able to find a fast loan for $36000 from Mercantile Bank National Association and Jefferson-Gravois Bank of St. Louis, but declined both offers in favor of their debt consolidation loan from Sturgeon State Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if a borrower is in a pinch.

Previous requests on Angelo’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$124150.00 5 5.7% $2382.89 Camden County Bank September 26, 2013
$124320.00 11 8.8% $1473.27 Glasgow Savings Bank February 12, 2015
$124110.00 10 8.5% $1538.79 Central Bank July 6, 2015
$123680.00 3 5.3% $3723.48 Midwest BankCentre July 23, 2015
$123710.00 11 11.8% $1677.48 Commerce Bank of Richmond Heights September 17, 2015

Before applying for this debt consolidation loan, Angelo had an Experian score of 484, which is bad, so Sturgeon State Bank likely cannot provide Angelo a debt consolidation loan

Experian Score: 484

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

Angelo has always wanted to be an electronics technician, but would need attend Rosalind Franklin University of Medicine and Science again to achieve it. Angelo has other prospects as well, including soil engineer, emergency medical technician, and numerical tool programmer, which pay $57,000 through to $98,000 per year, on average. For this reason, we think that Angelo can afford this debt consolidation loan of $36000.

Installment loan for Angelo, a graduate of Rosalind Franklin University of Medicine and Science and a construction trades supervisor working for over $77,000 per year

Angelo, an alumnus at Rosalind Franklin University of Medicine and Science and a construction trades supervisor in Sturgeon, Missouri wants a debt consolidation loan to purchase a new cell phone. Angelo has instead chosen to get an installment loan for $18,000 and is currently seeking lenders like Union Planters Bank of Missouri to provide it.

Signature Loan easily acquired in Sturgeon, Missouri for $36000 with bad credit by Angelo

Many prospective borrowers have difficulty with finding signature loans in Sturgeon, Missouri, and Angelo is not an exception. Angelo went to 7 lenders or more before settling on Sturgeon State Bank, who offered Angelo a signature loan for $36000. Typical signature loans simply require a client, like Angelo’s signature to get them, up to $23,000 in some cases. Angelo was able to get $36000 as a debt consolidation loan, which is very high for a debt consolidation loan. Since signature loans do not need collateral, they tend to need improved credit, as high as 733

Many previous requests for credit have been made by Angelo in the past, including one from The Medina County Bank in Sturgeon, Missouri before Angelo was approved for the $36000 by Sturgeon State Bank

Angelo made 8 previous tries to obtain a debt consolidation loan, 2 of which were with The Medina County Bank, a bank in Sturgeon, Missouri known to specialize in debt consolidation loans specifically. Before finding Sturgeon State Bank, Angelo was concerned due to their inexperience and bad credit rating.

Angelo’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their construction trades supervisor job and their future job as an electronics technician

Fico Score: 474

When Angelo was 18, they tried to obtain a student loan from 6 different banks, which harmed their credit score. Below is a chronology of Angelo’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on July 6, 2012
  • Attempt 2) Loan for $39,000.00 on June 11, 2009
  • Attempt 3) Loan for $21,000.00 on June 1, 2009
  • Attempt 4) Loan for $33,000.00 on October 30, 2009
  • Attempt 5) Loan for $21,000.00 on August 8, 2013
  • Attempt 6) Loan for $32,000.00 on June 5, 2013

Conclusion of Angelo’s debt consolidation loan

In the end, Angelo was able to find a debt consolidation loan for $36000 with an interest rate of 5.1% interest APR from Sturgeon State Bank in Sturgeon, Missouri repayable over 6 years from now.

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.