$168000 Consolidation Loan – Pine City Minnesota, Credit Score Of 742
- Experian: 758 – They had an excellent Experian rating
- Transunion: 723 – Noemi had an excellent credit rating with Transunion.
- Equifax: Noemi’s Experian score was 742, which is an excellent credit score with the Experian rating scheme.
Previous requests on Noemi’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$62540.00||7||8.3%||$984.14||Marquette Bank Cannon Falls||August 1, 2010|
|$62640.00||4||9.3%||$1567.74||Root River State Bank||May 27, 2012|
|$62890.00||6||7.3%||$1081.29||Clinton State Bank||November 18, 2012|
|$62770.00||5||11.2%||$1371.04||Peoples State Bank of Plainview||January 5, 2013|
|$63440.00||5||5.3%||$1205.93||Security State Bank of Wykoff||May 9, 2013|
When Noemi was 24, they tried to obtain a student loan from 7 different banks, which damaged their credit score. Below is a chronology of Noemi’s prior attempts at finding a student loan:
- Attempt 1) Loan for $24,000.00 on March 29, 2013
- Attempt 2) Loan for $26,000.00 on August 7, 2011
- Attempt 3) Loan for $34,000.00 on January 18, 2009
- Attempt 4) Loan for $39,000.00 on February 19, 2014
- Attempt 5) Loan for $38,000.00 on June 10, 2010
- Attempt 6) Loan for $39,000.00 on May 15, 2012
- Attempt 7) Loan for $31,000.00 on July 8, 2010
Noemi’s Transunion score was altered by the consolidation loan loan, changing to 723 from 742, which is typical in our experience.
Noemi’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their court reporter job and their future job as a credit adjuster
Before applying for this consolidation loan, Noemi had an Experian score of 758, which is excellent, so The First National Bank of Pine City likely cannot provide Noemi a consolidation loan
- Full name (Changed if requested): Noemi Peirce
- Current Credit: loans.hit.utils.Fico@1ddc4ec2
- Current City: Pine City
- State: Minnesota
- Zip code: 55064
- Yearly income: $40,000
- Current Job: court reporter
- Current County: Pine
- Goal Yearly Income: $144,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
7 Months Ago, Noemi Attempted to Find a High Risk Loan for $36,000.00, but They Didn’t Find What They were Expecting
There is an well known struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Noemi. Noemi decided not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Individuals with credit scores as low as 509 can apply for a high risk loan and may be be approved.
Fast Loans for Noemi in Pine City, Minnesota to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Pine City, Minnesota aren’t actually that difficult to obtain, particularly if you have some gumption like Noemi. Noemi was able to find a fast loan for $168000 from Marquette Bank Cannon Falls and State Bank of Belle Plaine, but turned down both offers in favor of their consolidation loan from The First National Bank of Pine City. 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 installment loans. Much better if a borrower is in a pinch.
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans range from $28,000.00 to $59,000.00. They are mainly used to pay off existing high interest loans like credit cards. Noemi needed a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Noemi was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.5%.
Signature Loan acquired in Pine City, Minnesota for $168000 with excellent credit by Noemi
Many borrowers have difficulty with finding signature loans in Pine City, Minnesota, and Noemi is no exception. Noemi went to 4 lending institutions or more prior to settling on The First National Bank of Pine City, who offered Noemi a signature loan for $168000. Typical signature loans simply need a client, like Noemi’s signature to obtain them, up to $45,000 in some cases. Noemi was able to get $168000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not need collateral, they tend to require higher credit, as high as 786
Contact Details for The First National Bank of Pine City, the provider of this consolidation loan
- The First National Bank of Pine City
- City: Pine City
- State: Minnesota
- Address: 560 East Third Avenue
- County: Pine
- Zip code: 55063
Personal Loan for a court reporter named Noemi in Pine City, Minnesota to Pay Off Virgin Atlantic White Card
Noemi had a lot of credit card debt on their TD Cash Rewards Visa Credit Card and their Virgin Atlantic White Card, and they were starting to get in over their heads. Despite Noemi’s job as a court reporter, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Noemi has a very low current total income, but has a large amount of prospects
Noemi has always wanted to be a credit adjuster, but would have to attend Aveda Institute-Baton Rouge again to achieve it. Noemi has other possibilities as well, including ship mate, nuclear equipment operation technician, and recreational protective service worker, which pay $51,000 through to $103,000 per year, on average. Because of this, we think that Noemi can afford this consolidation loan of $168000.
Noemi was rejected by American Bank Mankato 6 times prior to being approved by The First National Bank of Pine City at 560 East Third Avenue
On August 16, 2009, Noemi applied about borrowing $7,000 from State Bank of Belle Plaine with Detra, their in law from just outside Pine City, and even with the co-signer, Noemi was rejected for this consolidation loan. With excellent credit, it can be very hard to procure funding, even with collateral and a co-signer.
Paraphrased and Standardized Quote from Noemi for this consolidation loan of $168000, provided by The First National Bank of Pine City
Hello, I am Noemi and I’m from Pine City in Minnesota. Pine, county is where I grew up, and now I need a consolidation loan in Minnesota for $168000 to buy a big ticket item. It wasn’t easy, but The First National Bank of Pine City really came through for me with this loan for 6.3% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to The First National Bank of Pine City for trusting me and my excellent credit. It look me 8 years to create my credit to 742, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.
Installment loan for Noemi, a graduate of Aveda Institute-Baton Rouge and a court reporter working for over $61,000 per year
Noemi, an alumnus at Aveda Institute-Baton Rouge and a court reporter in Pine City, Minnesota needs a consolidation loan to purchase a car. Noemi has instead chosen to get an installment loan for $13,000 and is currently seeking lenders like American Bank Mankato to provide it.
Several previous requests for credit have been made by Noemi in the past, including one from The Kevil Bank in Pine City, Minnesota before Noemi was approved for the $168000 by The First National Bank of Pine City
Noemi made 5 previous attempts to obtain a consolidation loan, 2 of which were with The Kevil Bank, a bank in Pine City, Minnesota known to specialize in consolidation loans specifically. Prior to finding The First National Bank of Pine City, Noemi was very concerned due to their inexperience and excellent credit score.
Conclusion of Noemi’s consolidation loan
In the end, Noemi was able to find a consolidation loan for $168000 with an interest rate of 5.8% interest APR from The First National Bank of Pine City in Pine City, Minnesota repayable over 14 years from now.