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Rima Niemitzio’s Emergency Loan For 60000 Dollars In Chancellor South Dakota

$60000 Emergency Loan – Chancellor South Dakota, Credit Rating Of 738

  • Experian: 753 – This client had an excellent Experian rating
  • Transunion: 724 – Rima had an excellent credit score with Transunion.
  • Equifax: Rima’s Experian score was 738, which is an excellent credit rating using the Experian rating scheme.

Rima’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their referee / umpire job and their future career as an electronics engineer

Fico Score: 738

Rima was rejected by Springfield State Bank 6 times prior to being accepted by Dakota Heritage State Bank at 221 Main St.

On November 24, 2011, Rima inquired about borrowing $10,000 from Hamlin County Bank with Christel, their in law from just outside Chancellor, and even with the co-signer, Rima was rejected for this emergency loan. With excellent credit, it can be challenging to procure funding, even with collateral and a co-signer.

Rima’s Transunion score was changed by the emergency loan loan, changing to 724 from 738, which is normal in our experience.

Transunion Score: 724

Personal Loan for a referee / umpire named Rima in Chancellor, South Dakota to Pay Off UNFCU Student Credit Card

Rima had a lot of credit card debt on their Berkshire Municipal Bank Visa Business Card and their CFCU Classic Visa, and they were starting to get in over their heads. Despite Rima’s job as a referee / umpire, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for Dakota Heritage State Bank, the provider of this emergency loan

  • Dakota Heritage State Bank
  • City: Chancellor
  • State: South Dakota
  • Address: 221 Main St.
  • County: Turner
  • Zip code: 57015

When Rima was 18, they tried to obtain a student loan from 4 different lenders, which damaged their credit score. Below is a chronology of Rima’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on April 14, 2013
  • Attempt 2) Loan for $25,000.00 on October 9, 2010
  • Attempt 3) Loan for $34,000.00 on November 12, 2013
  • Attempt 4) Loan for $33,000.00 on April 6, 2010

8 Months in the Past, Rima Attempted to Find a High Risk Loan for $24,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Rima. Rima chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Individuals with credit scores as low as 391 can apply for a high risk loan and possibly can be accepted.

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

Normal debt consolidation loans range from $35,000.00 to $45,000.00. They are mainly used to pay off existing high interest loans like credit cards. Rima required a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Rima was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing 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 4.2%.

Client Profile: Rima Niemitzio of Chancellor, South Dakota
  • Full name (Changed if requested): Rima Niemitzio
  • Current Credit: loans.hit.utils.Fico@4f8e5cde
  • Current City: Chancellor
  • State: South Dakota
  • Zip code: 57023
  • Yearly income: $42,000
  • Current Job: referee / umpire
  • Current County: Turner
  • Goal Yearly Income: $86,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Before applying for this emergency loan, Rima had an Experian score of 753, which is excellent, so Dakota Heritage State Bank most likely cannot provide Rima an emergency loan

Experian Score: 753

Previous requests on Rima’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$53410.00 10 9.2% $682.37 The Peoples Bank November 6, 2010
$52570.00 10 7.3% $618.54 First State Bank of Claremont August 31, 2012
$52870.00 9 9.8% $738.63 Security State Bank July 4, 2013
$53300.00 7 5.6% $768.46 First Western Bank July 5, 2014

Installment loan for Rima, a graduate of Ashland Theological Seminary and a referee / umpire working for over $62,000 per year

Rima, an alumnus at Ashland Theological Seminary and a referee / umpire in Chancellor, South Dakota needs an emergency loan to purchase a new cell phone. Rima has instead chosen to get an installment loan for $20,000 and is at present seeking lenders like Farmers State Bank to process their request.

Many previous requests for credit have been made by Rima in the past, including one from First National Bank in Chancellor, South Dakota before Rima was approved for the $60000 by Dakota Heritage State Bank

Rima made 8 prior attempts to obtain an emergency loan, 2 of which were with First National Bank, a bank in Chancellor, South Dakota known to specialize in emergency loans specifically. Before finding Dakota Heritage State Bank, Rima was concerned due to their inexperience and excellent credit rating.

Fast Loans for Rima in Chancellor, South Dakota to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Chancellor, South Dakota aren’t actually that difficult to obtain, particularly if you have some finesse like Rima. Rima was able to find a fast loan for $60000 from Security State Bank and The Peoples Bank, but declined both offers in favor of their emergency loan from Dakota Heritage State 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 7 weeks for installment loans. A big improvement in the case that you are in a time sensitive situation.

Paraphrased and Standardized Quote from Rima for this emergency loan of $60000, provided by Dakota Heritage State Bank

Hello, I am Rima and I’m from Chancellor in South Dakota. Turner, county is where I grew up, and now I need a emergency loan in South Dakota for $60000 to renovate my home. It has been difficult, but Dakota Heritage State Bank really came through for me with this loan for 8.2% interest APR and a term of 16 years. I will repay the loan over the 16 year term, including interest. A big thanks to Dakota Heritage State Bank for giving me a chance and my excellent credit. It look me 9 years to create my credit to 738, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

Signature Loan easily acquired in Chancellor, South Dakota for $60000 with excellent credit by Rima

Most prospective borrowers have difficulty with obtaining signature loans in Chancellor, South Dakota, and Rima is no exception. Rima went to 6 lenders or more before settling on Dakota Heritage State Bank, who offered Rima a signature loan for $60000. Typical signature loans simply need a client, like Rima’s signature to obtain them, up to $47,000 in some cases. Rima was able to get $60000 as a emergency loan, which is very high for an emergency loan. Because signature loans do not need collateral, these loans tend to need improved credit, as high as 799

Rima has a disappointing current total income, but has a large amount of prospects

Rima has always wanted to be an electronics engineer, but would need attend Ashland Theological Seminary again to become one. Rima has other possibilities as well, including construction driller, resource recovery engineer, and baker, which pay $58,000 through to $109,000 per year, at least. Because of this, we believe that Rima can afford this emergency loan of $60000.

Conclusion of Rima’s emergency loan

In the end, Rima was able to find an emergency loan for $60000 with an interest rate of 10.3% interest APR from Dakota Heritage State Bank in Chancellor, South Dakota repayable over 16 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.