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$92000 Personal Loan In Baxter Minnesota With Credit Score 318 For Maida

$92000 Personal Loan – Baxter Minnesota, Credit Score Of 318

  • Experian: 335 – The client had a terrible Experian rating
  • Transunion: 304 – Maida had a terrible credit score with Transunion.
  • Equifax: Maida’s Experian score was 318, which is a terrible credit rating on the Experian rating scheme.

Contact Details for American National Bank of Minnesota, the provider of this personal loan

  • American National Bank of Minnesota
  • City: Baxter
  • State: Minnesota
  • Address: 2000 Woida Road North
  • County: Crow Wing
  • Zip code: 56425

Before applying for this personal loan, Maida had an Experian score of 335, which is terrible, so American National Bank of Minnesota probably cannot provide Maida a personal loan

Experian Score: 335

Fast Loans for Maida in Baxter, Minnesota to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Baxter, Minnesota aren’t actually that difficult to obtain, particularly if you have some gumption like Maida. Maida was able to find a fast loan for $92000 from Kensington Bank and Norwest Bank Sauk Rapids, National Association, but turned down both offers in favor of their personal loan from American National Bank of Minnesota. The difference 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 installment loans. A big difference if a borrower is on the go.

When Maida was 20, they attempted to obtain a student loan from 5 alternate banks, which harmed their credit score. Below is a chronology of Maida’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on January 23, 2009
  • Attempt 2) Loan for $21,000.00 on September 12, 2011
  • Attempt 3) Loan for $27,000.00 on February 23, 2009
  • Attempt 4) Loan for $29,000.00 on June 15, 2012
  • Attempt 5) Loan for $35,000.00 on February 22, 2012

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

Maida has always wanted to be a forest and conservation technician, but would need attend The Community College of Baltimore County again to achieve it. Maida has other prospects as well, including professional sports scout, farm equipment mechanic, and school psychologist, which pay $50,000 through to $95,000 per year, on average. Because of this, we think that Maida can pay for this personal loan of $92000.

Maida’s Overall FICO score at the time of acceptance for a personal loan, taking into account their vocational education teachers job and their future career as a forest and conservation technician

Fico Score: 318

Previous requests on Maida’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$15290.00 7 7.5% $234.52 Marquette Bank Cannon Falls October 16, 2009
$14720.00 3 8.7% $466.04 Root River State Bank January 4, 2013
$15460.00 5 11.1% $336.91 Clinton State Bank January 21, 2013
$14750.00 7 6.4% $218.32 Peoples State Bank of Plainview August 8, 2013
$14540.00 3 7.5% $452.28 Security State Bank of Wykoff October 16, 2013

Paraphrased and Standardized Quote from Maida for this personal loan of $92000, provided by American National Bank of Minnesota

Hi, I am Maida and my hometown is Baxter in Minnesota. Crow Wing, county is where I grew up, and now I need a personal loan in Minnesota for $92000 to renovate my home. It wasn’t easy, but American National Bank of Minnesota really came through for me with this loan for 7.8% interest APR and a term of 2 years. I will repay the loan over the 2 year term, including interest. A big thanks to American National Bank of Minnesota for giving me a chance and my terrible credit. It look me 4 years to build my credit to 318, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Maida’s Transunion score was changed by the personal loan loan, changing to 304 from 318, which is typical in our experience.

Transunion Score: 304

Maida was rejected by Citizens Alliance Bank 4 times prior to being accepted by American National Bank of Minnesota at 2000 Woida Road North

On March 3, 2014, Maida inquired about borrowing $48,000 from Citizens State Bank of Green Isle with Jillian, their friend from just outside Baxter, and even with the co-signer, Maida was rejected for this personal loan. With terrible credit, it can be difficult to procure funding, even with collateral and a co-signer.

Installment loan for Maida, a graduate of The Community College of Baltimore County and a vocational education teachers working for over $64,000 per year

Maida, an alumnus at The Community College of Baltimore County and a vocational education teachers in Baxter, Minnesota wants a personal loan to purchase a new cell phone. Maida has instead decided to get an installment loan for $14,000 and is currently seeking lenders like American Bank Mankato to process their request.

Signature Loan acquired in Baxter, Minnesota for $92000 with terrible credit by Maida

Most borrowers struggle with finding signature loans in Baxter, Minnesota, and Maida is the same. Maida went to 8 lenders or more before finding American National Bank of Minnesota, who offered Maida a signature loan for $92000. Typical signature loans simply require a client, like Maida’s signature to get them, up to $37,000 in some cases. Maida was able to get $92000 as a personal loan, which is very high for a personal loan. Since signature loans don’t require collateral, these loans generally require higher credit, as high as 776

Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $39,000.00 to $59,000.00. They are typically used to pay off existing high interest loans like credit cards. Maida required a debt consolidation loan to pay for their existing personal loan and their credit card. Maida was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.7%.

Personal Loan for a vocational education teachers named Maida in Baxter, Minnesota to Pay Off TJX Rewards Credit Card

Maida had a tonne of credit card debt on their HAS Advantage Visa Platinum Card and their Evans Bank Secured Visa Card, and they were starting to get in over their heads. Despite Maida’s job as a vocational education teachers, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Maida Zich of Baxter, Minnesota
  • Full name (Changed if requested): Maida Zich
  • Current Credit: loans.hit.utils.Fico@4b85612c
  • Current City: Baxter
  • State: Minnesota
  • Zip code: 56430
  • Yearly income: $51,000
  • Current Job: vocational education teachers
  • Current County: Crow Wing
  • Goal Yearly Income: $111,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Many previous requests for credit have been made by Maida in the past, including one from The Citizens & Merchants Bank in Baxter, Minnesota before Maida was approved for the $92000 by American National Bank of Minnesota

Maida made 7 previous tries to obtain a personal loan, 2 of which were with The Citizens & Merchants Bank, a lending institution in Baxter, Minnesota known to specialize in personal loans specifically. Prior to finding American National Bank of Minnesota, Maida was desperate due to their inexperience and terrible credit rating.

8 Months in the Past, Maida Attempted to Find a High Risk Loan for $40,000.00, and it was Hard

It is an well known 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 physically harmful to borrowers like Maida. Maida chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit individuals. Borrowers with credit scores as low as 427 can apply for a high risk loan and have a chance to be accepted.

Conclusion of Maida’s personal loan

In the end, Maida was able to find a personal loan for $92000 with an interest rate of 8.2% interest APR from American National Bank of Minnesota in Baxter, Minnesota repayable over 2 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.