$72000 Direct Loan – Topeka Kansas, Credit Rating Of 616
- Experian: 631 – This individual had a good Experian rating
- Transunion: 604 – Chantel had a good credit rating with Transunion.
- Equifax: Chantel’s Experian score was 616, which is a good credit rating on the Experian scale.
Paraphrased and Standardized Quote from Chantel for this direct loan of $72000, provided by The Columbian Bank and Trust Company
Hi, I am Chantel and I’m from Topeka in Kansas. Shawnee, county is where I grew up, and now I need a direct loan in Kansas for $72000 to avoid bankruptcy. It has been difficult, but The Columbian Bank and Trust Company really came through for me with this loan for 7.3% interest APR and a term of 16 years. I can repay the loan over the 16 year term, including interest. A big thanks to The Columbian Bank and Trust Company for trusting me and my good credit. It look me 4 years to build my credit to 616, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.
Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans vary from $31,000.00 to $50,000.00. They are mainly used to pay off existing high interest loans like credit cards. Chantel required a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Chantel was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.3%.
Personal Loan for a carpenter’s assistant named Chantel in Topeka, Kansas to Pay Off AOPA WorldPoints Rewards World MasterCard Credit Card
Chantel had a tonne of credit card debt on their Merrick Bank Secured Visa Card and their KJAZZ Visa Card, and they were starting to get in over their heads. Despite Chantel’s job as a carpenter’s assistant, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
- Full name (Changed if requested): Chantel Mcrill
- Current Credit: loans.hit.utils.Fico@5f205aa
- Current City: Topeka
- State: Kansas
- Zip code: 66611
- Yearly income: $31,000
- Current Job: carpenter’s assistant
- Current County: Shawnee
- Goal Yearly Income: $122,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
6 Months Ago, Chantel Tried Finding a High Risk Loan for $47,000.00, and it was Hard
It is an existing struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Chantel. Chantel chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Borrowers with credit scores as low as 467 can apply for a high risk loan and possibly can be accepted.
Many past requests for credit have been made by Chantel in the past, including one from New First City, Texas – Houston, National Association in Topeka, Kansas before Chantel was approved for the $72000 by The Columbian Bank and Trust Company
Chantel made 9 prior attempts to obtain a direct loan, 2 of which were with New First City, Texas – Houston, National Association, a lending institution in Topeka, Kansas known to specialize in direct loans specifically. Prior to finding The Columbian Bank and Trust Company, Chantel was concerned due to their inexperience and good credit rating.
Contact Details for The Columbian Bank and Trust Company, the provider of this direct loan
- The Columbian Bank and Trust Company
- City: Topeka
- State: Kansas
- Address: 701 Kansas Avenue
- County: Shawnee
- Zip code: 66603
Fast Loans for Chantel in Topeka, Kansas to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Topeka, Kansas aren’t actually that difficult to obtain, especially if you have some gumption like Chantel. Chantel was able to find a fast loan for $72000 from Peoples Bank and Trust Company and Pinnacle Bank, National Association, but turned down both offers in favor of their direct loan from The Columbian Bank and Trust Company. 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 6 weeks for debt consolidation loans. An improvement if a client is in a pinch.
Installment loan for Chantel, a graduate of Notre Dame of Maryland University and a carpenter’s assistant working for over $70,000 per year
Chantel, an alumnus at Notre Dame of Maryland University and a carpenter’s assistant in Topeka, Kansas needs a direct loan to purchase a new cell phone. Chantel has instead chosen to obtain an installment loan for $29,000 and is at present seeking lenders like The Citizens State Bank, Liberal, Kansas to process their request.
When Chantel was 18, they attempted to obtain a student loan from 6 different banks, which harmed their credit score. Below is a chronology of Chantel’s prior attempts at finding a student loan:
- Attempt 1) Loan for $29,000.00 on February 17, 2009
- Attempt 2) Loan for $25,000.00 on December 23, 2011
- Attempt 3) Loan for $26,000.00 on March 7, 2012
- Attempt 4) Loan for $36,000.00 on November 11, 2011
- Attempt 5) Loan for $38,000.00 on June 21, 2011
- Attempt 6) Loan for $35,000.00 on December 3, 2011
Signature Loan acquired in Topeka, Kansas for $72000 with good credit by Chantel
Many prospective borrowers have difficulty with finding signature loans in Topeka, Kansas, and Chantel is the same. Chantel went to 5 lenders or more prior to finding The Columbian Bank and Trust Company, who offered Chantel a signature loan for $72000. Typical signature loans simply require a client, like Chantel’s signature to obtain them, up to $38,000 in some cases. Chantel was able to get $72000 as a direct loan, which is very high for a direct loan. Because signature loans do not need collateral, these loans generally need improved credit, as high as 768
Chantel’s Overall FICO score at the time of acceptance for a direct loan, taking into account their carpenter’s assistant job and their future job as a community welfare worker
Chantel has a very low current total income, but has a high number of prospects
Chantel has always wanted to be a community welfare worker, but would need attend Notre Dame of Maryland University again to become one. Chantel has other prospects as well, including building maintenance mechanic, outdoor education teacher, and fashion artist, which pay $55,000 through to $94,000 per year, at least. Because of this, we believe that Chantel can afford this direct loan of $72000.
Chantel was rejected by The Exchange Bank of Lenora 6 times before being granted funding by The Columbian Bank and Trust Company at 701 Kansas Avenue
On April 20, 2011, Chantel applied about borrowing $5,000 from Bank of Labor with Bree, their friend from just outside Topeka, and even with the co-signer, Chantel was rejected for this direct loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.
Chantel’s Transunion score was changed by the direct loan loan, changing to 604 from 616, which is typical in our experience.
Previous requests on Chantel’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$49680.00||11||10.5%||$636.13||Citizens Bank and Trust Company||March 12, 2011|
|$49840.00||9||8.2%||$654.03||The Morrill and Janes Bank and Trust Company||November 13, 2011|
|$49690.00||8||10.5%||$767.21||The Citizens State Bank, Liberal, Kansas||December 19, 2011|
|$49780.00||6||8.1%||$875.24||Citizens State Bank||June 15, 2013|
Before applying for this direct loan, Chantel had an Experian score of 631, which is good, so The Columbian Bank and Trust Company probably cannot provide Chantel a direct loan
Conclusion of Chantel’s direct loan
In the end, Chantel was able to find a direct loan for $72000 with an interest rate of 6.5% interest APR from The Columbian Bank and Trust Company in Topeka, Kansas repayable over 16 years from today.