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Shanell Wanted A Personal Loan For $74000, Dill City, Oklahoma

$74000 Personal Loan – Dill City Oklahoma, Credit Rating Of 605

  • Experian: 617 – They had a good Experian score
  • Transunion: 588 – Shanell had a good credit rating with Transunion.
  • Equifax: Shanell’s Experian score was 605, which is a good credit score with the Experian scale.

Several previous requests for credit have been made by Shanell in the past, including one from Bank of Commerce in Dill City, Oklahoma before Shanell was accepted for the $74000 by The Dill State Bank

Shanell made 5 previous attempts to obtain a personal loan, 2 of which were with Bank of Commerce, a bank in Dill City, Oklahoma known to specialize in personal loans specifically. Prior to finding The Dill State Bank, Shanell was desperate due to their inexperience and good credit rating.

Before applying for this personal loan, Shanell had an Experian score of 617, which is good, so The Dill State Bank most likely cannot provide Shanell a personal loan

Experian Score: 617

Contact Details for The Dill State Bank, the provider of this personal loan

  • The Dill State Bank
  • City: Dill City
  • State: Oklahoma
  • Address: 701 South Mcdonald
  • County: Washita
  • Zip code: 73641

6 Months in the Past, Shanell Tried Finding a High Risk Loan for $32,000.00, and it was Hard

It is an ongoing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Shanell. Shanell chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Borrowers with credit scores as low as 475 can apply for a high risk loan and have a chance to be accepted.

Shanell has a sad current gross income, but has a high number of prospects

Shanell has always wanted to be a sales representative, but would have to attend Dowling College again to become one. Shanell has other possibilities as well, including irrigation engineer, loan officer, and middle school administrator, which pay $51,000 through to $106,000 per year, on average. For this reason, we think that Shanell can afford this personal loan of $74000.

Shanell was rejected by The First State Bank 4 times prior to being approved by The Dill State Bank at 701 South Mcdonald

On July 29, 2010, Shanell inquired about borrowing $19,000 from The Bank of Crescent with Kenia, their in law from just outside Dill City, and even with the co-signer, Shanell was rejected for this personal loan. With good credit, it can be difficult to procure funding, even with collateral and a co-signer.

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

Normal debt consolidation loans vary from $37,000.00 to $47,000.00. They are typically used to pay off existing high interest loans like credit cards. Shanell required a debt consolidation loan to pay for their existing personal loan and their credit card. Shanell was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.7%.

When Shanell was 19, they attempted to obtain a student loan from 7 alternate lenders, which harmed their credit score. Below is a list of Shanell’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on May 2, 2009
  • Attempt 2) Loan for $20,000.00 on September 28, 2010
  • Attempt 3) Loan for $33,000.00 on October 20, 2008
  • Attempt 4) Loan for $31,000.00 on October 10, 2013
  • Attempt 5) Loan for $37,000.00 on July 21, 2010
  • Attempt 6) Loan for $32,000.00 on November 8, 2008
  • Attempt 7) Loan for $33,000.00 on October 9, 2009
Client Profile: Shanell Gandee of Dill City, Oklahoma
  • Full name (Changed if requested): Shanell Gandee
  • Current Credit: loans.hit.utils.Fico@4783da3f
  • Current City: Dill City
  • State: Oklahoma
  • Zip code: 73646
  • Yearly income: $49,000
  • Current Job: medical records administrator
  • Current County: Washita
  • Goal Yearly Income: $144,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Shanell’s Transunion score was changed by the personal loan loan, changing to 588 from 605, which is typical in our experience.

Transunion Score: 588

Personal Loan for a medical records administrator named Shanell in Dill City, Oklahoma to Pay Off USAA World MasterCard Credit Card

Shanell had a lot of credit card debt on their Umpqua Bank Visa Signature Rewards and their BankAtlantic World MasterCard with Rewards, and they were starting to get in over their heads. Despite Shanell’s job as a medical records administrator, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Installment loan for Shanell, a graduate of Dowling College and a medical records administrator working for over $63,000 per year

Shanell, an alumnus at Dowling College and a medical records administrator in Dill City, Oklahoma needs a personal loan to purchase a house. Shanell has instead chosen to get an installment loan for $5,000 and is at present seeking lenders like Cleo State Bank to provide it.

Paraphrased and Standardized Quote from Shanell for this personal loan of $74000, provided by The Dill State Bank

Hello, I am Shanell and I’m from Dill City in Oklahoma. Washita, county is where I grew up, and now I need a personal loan in Oklahoma for $74000 to avoid bankruptcy. It wasn’t easy, but The Dill State Bank really came through for me with this loan for 10.3% interest APR and a term of 11 years. I can repay the loan over the 11 year term, including interest. A big thanks to The Dill State Bank for giving me a chance and my good credit. It look me 8 years to create my credit to 605, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.

Signature Loan found in Dill City, Oklahoma for $74000 with good credit by Shanell

Many clients have difficulty with obtaining signature loans in Dill City, Oklahoma, and Shanell is no different. Shanell went to 5 lenders or more before settling on The Dill State Bank, who offered Shanell a signature loan for $74000. Typical signature loans simply need a client, like Shanell’s signature to obtain them, up to $22,000 in some cases. Shanell was able to get $74000 as a personal loan, which is very high for a personal loan. Since signature loans do not need a cosigner, they tend to need improved credit, as high as 798

Fast Loans for Shanell in Dill City, Oklahoma to prevent bankruptcy or harm from debt collectors.

Fast loans in Dill City, Oklahoma aren’t actually that difficult to obtain, especially if you have some gumption like Shanell. Shanell was able to find a fast loan for $74000 from First State Bank and The Liberty State Bank of Tahlequah, Oklahoma, but turned down both offers in favor of their personal loan from The Dill State Bank. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference in the case that you are in a pinch.

Previous requests on Shanell’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$22540.00 10 5.8% $247.98 The First State Bank September 26, 2009
$23130.00 11 9.5% $283.08 Security Bank and Trust Company August 14, 2012
$23370.00 3 9.5% $748.61 The First State Bank, Willow, Okla. October 2, 2014
$23140.00 5 5.1% $437.74 Sooner State Bank March 23, 2015

Shanell’s Overall FICO score at the time of acceptance for a personal loan, taking into account their medical records administrator job and their future career as a sales representative

Fico Score: 605

Conclusion of Shanell’s personal loan

In the end, Shanell was able to find a personal loan for $74000 with an interest rate of 9.6% interest APR from The Dill State Bank in Dill City, Oklahoma repayable over 11 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.