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8 Month Signature Loan For Isaias In Owensboro Kentucky

$44000 Signature Loan – Owensboro Kentucky, Credit Score Of 809

  • Experian: 822 – They had an excellent Experian rating
  • Transunion: 796 – Isaias had an excellent credit score with Transunion.
  • Equifax: Isaias’s Experian score was 809, which is an excellent credit score on the Experian scale.

When Isaias was 24, they tried to obtain a student loan from 4 different banks, which damaged their credit score. Below is a list of Isaias’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on October 23, 2013
  • Attempt 2) Loan for $21,000.00 on October 4, 2009
  • Attempt 3) Loan for $35,000.00 on January 11, 2012
  • Attempt 4) Loan for $39,000.00 on August 14, 2010

Personal Loan for a sales floor stock clerk named Isaias in Owensboro, Kentucky to Pay Off MCU2 Student Visa

Isaias had a lot of credit card debt on their CoreFirst Bank & Trust Gold Classic Card and their First National Bank American Express Card, and they were starting to get in over their heads. Despite Isaias’s job as a sales floor stock clerk, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Isaias’s Transunion score was altered by the signature loan loan, changing to 796 from 809, which is normal in our experience.

Transunion Score: 796

Multiple past requests for credit have been made by Isaias in the past, including one from Calumet County Bank in Owensboro, Kentucky before Isaias was accepted for the $44000 by Cardinal Federal Savings Bank

Isaias made 9 previous tries to obtain a signature loan, 2 of which were with Calumet County Bank, a lender in Owensboro, Kentucky known to specialize in signature loans specifically. Before finding Cardinal Federal Savings Bank, Isaias was very concerned due to their inexperience and excellent credit rating.

Fast Loans for Isaias in Owensboro, Kentucky to prevent bankruptcy or harm from debt collectors.

Fast loans in Owensboro, Kentucky aren’t actually that difficult to obtain, particularly if you have some gumption like Isaias. Isaias was able to find a fast loan for $44000 from The Monticello Banking Company and Kentucky Farmers Bank Corporation, but declined both offers in favor of their signature loan from Cardinal Federal Savings 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 6 weeks for installment loans. An improvement if a client is on the go.

Isaias’s Overall FICO score at the time of acceptance for a signature loan, taking into account their sales floor stock clerk job and their future job as a physician’s office nurse

Fico Score: 809

Contact Details for Cardinal Federal Savings Bank, the provider of this signature loan

  • Cardinal Federal Savings Bank
  • City: Owensboro
  • State: Kentucky
  • Address: 700 Frederica St
  • County: Daviess
  • Zip code: 42301

Before applying for this signature loan, Isaias had an Experian score of 822, which is excellent, so Cardinal Federal Savings Bank likely cannot provide Isaias a signature loan

Experian Score: 822

Isaias was declined by Simpson County Bank 5 times before being accepted by Cardinal Federal Savings Bank at 700 Frederica St

On August 18, 2011, Isaias applied about borrowing $32,000 from Auburn Banking Company with Dorian, their in law from just outside Owensboro, and even with the co-signer, Isaias was rejected for this signature loan. With excellent credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

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

Normal debt consolidation loans range from $24,000.00 to $44,000.00. They are mainly used to pay off existing high interest loans like credit cards. Isaias required a debt consolidation loan to pay for their existing signature loan and their payday loan. Isaias was able to find a signature loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.1%.

Paraphrased and Standardized Quote from Isaias for this signature loan of $44000, provided by Cardinal Federal Savings Bank

Hi, I am Isaias and I am from Owensboro in Kentucky. Daviess, county is where I grew up, and now I need a signature loan in Kentucky for $44000 to renovate my home. It wasn’t easy, but Cardinal Federal Savings Bank really came through for me with this loan for 11.5% interest APR and a term of 16 years. I can repay the loan over the 16 year term, including interest. A big thanks to Cardinal Federal Savings Bank for giving me a chance and my excellent credit. It look me 4 years to create my credit to 809, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Previous requests on Isaias’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$66780.00 11 10.7% $862.75 Stock Yards Bank & Trust Company October 12, 2012
$66680.00 8 5.7% $866.56 Farmers Deposit Bank of Brandenburg January 19, 2014
$66690.00 8 11.7% $1072.94 Citizens Bank February 10, 2015
$66630.00 11 10.6% $856.98 Citizens Bank & Trust Company, Burgin, Kentucky March 1, 2015

Signature Loan found in Owensboro, Kentucky for $44000 with excellent credit by Isaias

Most prospective borrowers have difficulty with finding signature loans in Owensboro, Kentucky, and Isaias is the same. Isaias went to 6 lending institutions or more prior to finding Cardinal Federal Savings Bank, who offered Isaias a signature loan for $44000. Most signature loans simply require a client, like Isaias’s signature to obtain them, up to $33,000 in some cases. Isaias was able to get $44000 as a signature loan, which is very high for a signature loan. Since signature loans do not need collateral, they generally require better credit, as high as 799

Client Profile: Isaias Almarez of Owensboro, Kentucky
  • Full name (Changed if requested): Isaias Almarez
  • Current Credit: loans.hit.utils.Fico@1de0aca6
  • Current City: Owensboro
  • State: Kentucky
  • Zip code: 42310
  • Yearly income: $32,000
  • Current Job: sales floor stock clerk
  • Current County: Daviess
  • Goal Yearly Income: $114,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

9 Months Ago, Isaias Attempted to Find a High Risk Loan for $45,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Isaias. Isaias chose not to get a high risk loan this time. High Risk loans are given to terrible credit clients. Borrowers with credit ratings as low as 552 can apply for a high risk loan and may be be approved.

Isaias has a very low current total income, but has a large amount of prospects

Isaias has always wanted to be a physician’s office nurse, but would have to attend The American College of Commerce and Technology again to become one. Isaias has other possibilities as well, including art, marina boat charter administrator, and psychiatrist, which pay $58,000 through to $101,000 per year, on average. Because of this, we believe that Isaias can afford this signature loan of $44000.

Installment loan for Isaias, a graduate of The American College of Commerce and Technology and a sales floor stock clerk working for over $62,000 per year

Isaias, an alumnus at The American College of Commerce and Technology and a sales floor stock clerk in Owensboro, Kentucky wants a signature loan to purchase a new cell phone. Isaias has instead decided to obtain an installment loan for $21,000 and is at present seeking lenders like Citizens Bank to process their request.

Conclusion of Isaias’s signature loan

In the end, Isaias was able to find a signature loan for $44000 with an interest rate of 10.2% interest APR from Cardinal Federal Savings Bank in Owensboro, Kentucky repayable over 16 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.