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Unsecured Loan With Very Low APR In Trempealeau County, Wisconsin

$88000 Unsecured Loan – Whitehall Wisconsin, Credit Rating Of 601

  • Experian: 618 – They had a good Experian score
  • Transunion: 582 – Leeanna had a good credit rating with Transunion.
  • Equifax: Leeanna’s Experian score was 601, which is a good credit score using the Experian scale.

Signature Loan found in Whitehall, Wisconsin for $88000 with good credit by Leeanna

Many borrowers have difficulty with obtaining signature loans in Whitehall, Wisconsin, and Leeanna is not an exception. Leeanna went to 8 lending institutions or more prior to finding John O. Melby & Co. Bank, who offered Leeanna a signature loan for $88000. Most signature loans simply need a client, like Leeanna’s signature to obtain them, up to $43,000 in some cases. Leeanna was able to get $88000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t need a cosigner, these loans generally need improved credit, as high as 794

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $30,000.00 to $45,000.00. They are normally used to pay off existing high interest loans like credit cards. Leeanna required a debt consolidation loan to pay for their existing unsecured loan and their loan shark loan. Leeanna was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.2%.

Before applying for this unsecured loan, Leeanna had an Experian score of 618, which is good, so John O. Melby & Co. Bank most likely cannot provide Leeanna an unsecured loan

Experian Score: 618

Contact Details for John O. Melby & Co. Bank, the provider of this unsecured loan

  • John O. Melby & Co. Bank
  • City: Whitehall
  • State: Wisconsin
  • Address: 36450 Main Street
  • County: Trempealeau
  • Zip code: 54773

Leeanna was rejected by Baylake Bank 7 times before being approved by John O. Melby & Co. Bank at 36450 Main Street

On March 25, 2012, Leeanna inquired about borrowing $8,000 from Associated Bank Madison with Caroyln, their friend from just outside Whitehall, and even with the co-signer, Leeanna was rejected for this unsecured loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.

Leeanna has a sad current total income, but has a high number of prospects

Leeanna has always wanted to be a game runner, but would have to attend Shelton Montessori Teacher Education Center again to become one. Leeanna has other possibilities as well, including catering administrator, sports physician, and chemical plant operator, which pay $57,000 through to $106,000 per year, at least. For this reason, we think that Leeanna can afford this unsecured loan of $88000.

Leeanna’s Transunion score was altered by the unsecured loan loan, changing to 582 from 601, which is typical in our experience.

Transunion Score: 582

Personal Loan for a sales representative named Leeanna in Whitehall, Wisconsin to Pay Off Astoria Bank Secured Visa Card

Leeanna had a tonne of credit card debt on their Washington Nationals BankAmericard Cash Rewards MasterCard and their H-E-B MasterCard, and they were starting to get in over their heads. Despite Leeanna’s job as a sales representative, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Leeanna’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$94590.00 10 11.6% $1335.31 M&I Bank of Burlington June 19, 2012
$95310.00 9 6.3% $1158.46 M&I Marshall and Ilsley Bank June 26, 2012
$95470.00 3 9.2% $3044.81 Continental Bank & Trust Co. November 20, 2012
$95380.00 11 5.6% $969.47 Clare Bank, National Association July 18, 2014
$94880.00 4 7.1% $2276.42 Norwest Bank Wisconsin East Central August 2, 2014

When Leeanna was 23, they tried to obtain a student loan from 7 different lenders, which damaged their credit rating. Below is a list of Leeanna’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on December 23, 2008
  • Attempt 2) Loan for $25,000.00 on November 3, 2010
  • Attempt 3) Loan for $34,000.00 on May 25, 2009
  • Attempt 4) Loan for $32,000.00 on October 31, 2009
  • Attempt 5) Loan for $27,000.00 on October 31, 2012
  • Attempt 6) Loan for $26,000.00 on February 11, 2012
  • Attempt 7) Loan for $35,000.00 on September 14, 2012

Paraphrased and Standardized Quote from Leeanna for this unsecured loan of $88000, provided by John O. Melby & Co. Bank

Hi, I am Leeanna and I’m from Whitehall in Wisconsin. Trempealeau, county is where I grew up, and now I need a unsecured loan in Wisconsin for $88000 to renovate my home. It has been difficult, but John O. Melby & Co. Bank really came through for me with this loan for 7.8% interest APR and a term of 4 years. I will repay the loan over the 4 year term, including interest. A big thanks to John O. Melby & Co. Bank for giving me a chance and my good credit. It look me 8 years to create my credit to 601, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.

Several previous requests for credit have been made by Leeanna in the past, including one from Flagship First National Bank of Highlands County in Whitehall, Wisconsin before Leeanna was approved for the $88000 by John O. Melby & Co. Bank

Leeanna made 5 prior attempts to obtain an unsecured loan, 2 of which were with Flagship First National Bank of Highlands County, a lending institution in Whitehall, Wisconsin known to specialize in unsecured loans specifically. Prior to finding John O. Melby & Co. Bank, Leeanna was desperate due to their inexperience and good credit rating.

Installment loan for Leeanna, a graduate of Shelton Montessori Teacher Education Center and a sales representative working for over $79,000 per year

Leeanna, an alumnus at Shelton Montessori Teacher Education Center and a sales representative in Whitehall, Wisconsin wants an unsecured loan to purchase something frivolous. Leeanna has instead decided to obtain an installment loan for $13,000 and is at present seeking lenders like Markesan State Bank to provide it.

Client Profile: Leeanna Suiter of Whitehall, Wisconsin
  • Full name (Changed if requested): Leeanna Suiter
  • Current Credit: loans.hit.utils.Fico@2b05039f
  • Current City: Whitehall
  • State: Wisconsin
  • Zip code: 54777
  • Yearly income: $50,000
  • Current Job: sales representative
  • Current County: Trempealeau
  • Goal Yearly Income: $125,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Leeanna’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their sales representative job and their future job as a game runner

Fico Score: 601

Fast Loans for Leeanna in Whitehall, Wisconsin to prevent bankruptcy or harm from debt collectors.

Fast loans in Whitehall, Wisconsin aren’t actually that difficult to obtain, particularly if you have some finesse like Leeanna. Leeanna was able to find a fast loan for $88000 from Peoples State Bank of Bloomer and Bank of Jackson, but declined both offers in favor of their unsecured loan from John O. Melby & Co. 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 5 weeks for personal loans. A big difference in the case that you are in a time sensitive situation.

7 Months Ago, Leeanna Tried Finding a High Risk Loan for $31,000.00, but They Didn’t Find What They were Expecting

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 coming from loan sharks or the like, which can be frightening to borrowers like Leeanna. Leeanna 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 448 can inquire for a high risk loan and possibly can be accepted.

Conclusion of Leeanna’s unsecured loan

In the end, Leeanna was able to find an unsecured loan for $88000 with an interest rate of 11.7% interest APR from John O. Melby & Co. Bank in Whitehall, Wisconsin repayable over 4 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.