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$108000 Direct Loan With Excellent Credit In New Athens Illinois

$108000 Direct Loan – New Athens Illinois, Credit Score Of 843

  • Experian: 859 – They had an excellent Experian score
  • Transunion: 828 – Mason had an excellent credit score with Transunion.
  • Equifax: Mason’s Experian score was 843, which is an excellent credit score with the Experian rating scheme.

Fast Loans for Mason in New Athens, Illinois to prevent bankruptcy or harm from debt collectors.

Fast loans in New Athens, Illinois aren’t actually that difficult to obtain, particularly if you have some finesse like Mason. Mason was able to find a fast loan for $108000 from Commerce Bank of Woodford County, National Association and Uptown National Bank of Chicago, but declined both offers in favor of their direct loan from New Athens Savings and Loan Association. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference in the case that a client is on the go.

Personal Loan for a child support investigator named Mason in New Athens, Illinois to Pay Off RBC Visa Cash Back Card

Mason had a lot of credit card debt on their PGA Tour Credit Card and their Synovus MasterCard Business Platinum Card, and they were starting to get in over their heads. Despite Mason’s job as a child support investigator, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Signature Loan easily acquired in New Athens, Illinois for $108000 with excellent credit by Mason

Many clients struggle with obtaining signature loans in New Athens, Illinois, and Mason is the same. Mason went to 7 lending institutions or more before settling on New Athens Savings and Loan Association, who offered Mason a signature loan for $108000. Most signature loans simply require a client, like Mason’s signature to obtain them, up to $28,000 in some cases. Mason was able to get $108000 as a direct loan, which is very high for a direct loan. Because signature loans don’t need collateral, these loans generally need improved credit, as high as 725

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $33,000.00 to $44,000.00. They are normally used to pay off existing high interest loans like credit cards. Mason required a debt consolidation loan to pay for their existing direct loan and their payday loan. Mason was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.2%.

Mason’s Transunion score was changed by the direct loan loan, changing to 828 from 843, which is typical in our experience.

Transunion Score: 828

Previous requests on Mason’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$75270.00 7 11.5% $1308.68 The Gerber State Bank January 15, 2013
$75120.00 8 10.2% $1147.85 The Belvidere National Bank and Trust Company June 2, 2014
$75180.00 11 8.6% $882.69 Commerce Bank December 27, 2014
$75160.00 9 9.6% $1041.94 Byron Bank February 17, 2015
$74540.00 6 8.6% $1328.87 Amalgamated Bank of Chicago May 4, 2015

When Mason was 19, they tried to obtain a student loan from 7 different lenders, which damaged their credit rating. Below is a chronology of Mason’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on October 17, 2010
  • Attempt 2) Loan for $33,000.00 on August 31, 2010
  • Attempt 3) Loan for $36,000.00 on March 31, 2010
  • Attempt 4) Loan for $24,000.00 on July 20, 2010
  • Attempt 5) Loan for $21,000.00 on June 11, 2009
  • Attempt 6) Loan for $39,000.00 on April 4, 2012
  • Attempt 7) Loan for $22,000.00 on June 11, 2011

Mason’s Overall FICO score at the time of acceptance for a direct loan, taking into account their child support investigator job and their future job as a radiologic technologist

Fico Score: 843

Mason was declined by Farmers & Mechanics Bank 4 times before being granted funding by New Athens Savings and Loan Association at Rr #1

On September 11, 2011, Mason inquired about borrowing $19,000 from Greatbank Chicago with Ema, their in law from just outside New Athens, and even with the co-signer, Mason was rejected for this direct loan. With excellent credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Installment loan for Mason, a graduate of Saint Josephs College and a child support investigator working for over $69,000 per year

Mason, an alumnus at Saint Josephs College and a child support investigator in New Athens, Illinois wants a direct loan to purchase a new cell phone. Mason has instead decided to get an installment loan for $9,000 and is currently seeking lenders like Upper Avenue Bank to process their request.

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

Mason has always wanted to be a radiologic technologist, but would need attend Saint Josephs College again to become one. Mason has other prospects as well, including alumni relations coordinator, petroleum geologist, and materials engineer, which pay $53,000 through to $94,000 per year, on average. Because of this, we think that Mason can pay for this direct loan of $108000.

Contact Details for New Athens Savings and Loan Association, the provider of this direct loan

  • New Athens Savings and Loan Association
  • City: New Athens
  • State: Illinois
  • Address: Rr #1
  • County: St. Clair
  • Zip code: 62264
Client Profile: Mason Tingle of New Athens, Illinois
  • Full name (Changed if requested): Mason Tingle
  • Current Credit: loans.hit.utils.Fico@591f989e
  • Current City: New Athens
  • State: Illinois
  • Zip code: 62266
  • Yearly income: $45,000
  • Current Job: child support investigator
  • Current County: St. Clair
  • Goal Yearly Income: $116,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Multiple other requests for credit have been made by Mason in the past, including one from The First National Bank & Trust Company of Rochelle in New Athens, Illinois before Mason was accepted for the $108000 by New Athens Savings and Loan Association

Mason made 9 prior attempts to obtain a direct loan, 2 of which were with The First National Bank & Trust Company of Rochelle, a lender in New Athens, Illinois known to specialize in direct loans specifically. Before finding New Athens Savings and Loan Association, Mason was desperate due to their inexperience and excellent credit rating.

Paraphrased and Standardized Quote from Mason for this direct loan of $108000, provided by New Athens Savings and Loan Association

Hello, I am Mason and my hometown is New Athens in Illinois. St. Clair, county is where I grew up, and now I need a direct loan in Illinois for $108000 to buy a car. It has been difficult, but New Athens Savings and Loan Association really came through for me with this loan for 11.4% interest APR and a term of 13 years. I can repay the loan over the 13 year term, including interest. A big thanks to New Athens Savings and Loan Association for trusting me and my excellent credit. It look me 9 years to build my credit to 843, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Before applying for this direct loan, Mason had an Experian score of 859, which is excellent, so New Athens Savings and Loan Association probably cannot provide Mason a direct loan

Experian Score: 859

6 Months in the Past, Mason Tried to Find a High Risk Loan for $32,000.00, and it was Hard

There is an well known struggle for borrowers to get high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Mason. Mason decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Clients with credit scores as low as 563 can inquire for a high risk loan and may be be accepted.

Conclusion of Mason’s direct loan

In the end, Mason was able to find a direct loan for $108000 with an interest rate of 5.8% interest APR from New Athens Savings and Loan Association in New Athens, Illinois repayable over 13 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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