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3 Year Consolidation Loan For Tonja In Vernal Utah

$12000 Consolidation Loan – Vernal Utah, Credit Score Of 582

  • Experian: 597 – This client had a fair Experian rating
  • Transunion: 566 – Tonja had a fair credit rating with Transunion.
  • Equifax: Tonja’s Experian score was 582, which is a fair credit rating on the Experian system.

Installment loan for Tonja, a graduate of Idaho State University and an air crew member working for over $73,000 per year

Tonja, an alumnus at Idaho State University and an air crew member in Vernal, Utah needs a consolidation loan to purchase something frivolous. Tonja has instead chosen to obtain an installment loan for $16,000 and is currently seeking lenders like State Bank of Wayne to provide it.

Tonja’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their air crew member job and their future career as an insurance appraiser

Fico Score: 582

When Tonja was 19, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a list of Tonja’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on February 23, 2010
  • Attempt 2) Loan for $21,000.00 on June 17, 2012
  • Attempt 3) Loan for $21,000.00 on February 22, 2010
  • Attempt 4) Loan for $30,000.00 on September 12, 2011

8 Months Ago, Tonja Tried Finding a High Risk Loan for $49,000.00, and it was Easy

It is an ongoing 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 scary to borrowers like Tonja. Tonja decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Borrowers with credit scores as low as 435 can inquire for a high risk loan and possibly can be approved.

Signature Loan acquired in Vernal, Utah for $12000 with fair credit by Tonja

Many prospective borrowers have difficulty with finding signature loans in Vernal, Utah, and Tonja is not an exception. Tonja went to 4 lending institutions or more before finding Bank of Vernal, who offered Tonja a signature loan for $12000. Most signature loans simply require a client, like Tonja’s signature to get them, up to $30,000 in some cases. Tonja was able to get $12000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans don’t need collateral, they tend to require improved credit, as high as 730

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $34,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Tonja required a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Tonja was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.6%.

Tonja’s Transunion score was changed by the consolidation loan loan, changing to 566 from 582, which is typical in our experience.

Transunion Score: 566

Client Profile: Tonja Munis of Vernal, Utah
  • Full name (Changed if requested): Tonja Munis
  • Current Credit: loans.hit.utils.Fico@20ad9418
  • Current City: Vernal
  • State: Utah
  • Zip code: 84082
  • Yearly income: $32,000
  • Current Job: air crew member
  • Current County: Uintah
  • Goal Yearly Income: $80,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Fast Loans for Tonja in Vernal, Utah to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Vernal, Utah aren’t actually that difficult to obtain, particularly if you have some finesse like Tonja. Tonja was able to find a fast loan for $12000 from Gunnison Valley Bank and Bountiful State Bank, but declined both offers in favor of their consolidation loan from Bank of Vernal. 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 personal loans. A big improvement in the case that you are in a pinch.

Paraphrased and Standardized Quote from Tonja for this consolidation loan of $12000, provided by Bank of Vernal

Hello, I am Tonja and I’m from Vernal in Utah. Uintah, county is where I grew up, and now I need a consolidation loan in Utah for $12000 to pay bills. It wasn’t easy, but Bank of Vernal really came through for me with this loan for 8.2% interest APR and a term of 5 years. I can probably repay the loan over the 5 year term, including interest. A big thanks to Bank of Vernal for trusting me and my fair credit. It look me 4 years to build my credit to 582, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.

Multiple past requests for credit have been made by Tonja in the past, including one from The First National Bank of Lock Haven in Vernal, Utah before Tonja was accepted for the $12000 by Bank of Vernal

Tonja made 5 previous attempts to obtain a consolidation loan, 2 of which were with The First National Bank of Lock Haven, a lending institution in Vernal, Utah known to specialize in consolidation loans specifically. Before finding Bank of Vernal, Tonja was concerned due to their inexperience and fair credit score.

Tonja has a low current gross income, but has several of prospects

Tonja has always wanted to be an insurance appraiser, but would have to attend Idaho State University again to achieve it. Tonja has other possibilities as well, including telecommunications maintenance worker, administrative assistant, and aerospace engineering technician, which pay $59,000 through to $91,000 per year, on average. For this reason, we believe that Tonja can pay for this consolidation loan of $12000.

Previous requests on Tonja’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$71220.00 8 6.3% $946.37 Bank of Ephraim July 15, 2011
$70520.00 10 8.6% $878.12 Gunnison Valley Bank May 1, 2014
$71460.00 9 9.6% $990.65 The Helper State Bank July 16, 2014
$71240.00 11 5.8% $731.3 Barnes Banking Company July 10, 2015
$70710.00 11 11.1% $929.86 KeyBank National Association September 2, 2015

Contact Details for Bank of Vernal, the provider of this consolidation loan

  • Bank of Vernal
  • City: Vernal
  • State: Utah
  • Address: 3 West Main Street
  • County: Uintah
  • Zip code: 84078

Personal Loan for an air crew member named Tonja in Vernal, Utah to Pay Off Boston College Platinum MasterCard

Tonja had a lot of credit card debt on their MINI Platinum Visa Credit Card and their Bassett Furniture Credit Cards, and they were starting to get in over their heads. Despite Tonja’s job as an air crew member, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Tonja was not approved by State Bank of Wayne 6 times prior to being granted funding by Bank of Vernal at 3 West Main Street

On September 18, 2011, Tonja applied about borrowing $23,000 from Bank of Ephraim with Bruna, their friend from just outside Vernal, and even with the co-signer, Tonja was rejected for this consolidation loan. With fair credit, it can be difficult to procure funding, even with collateral and a co-signer.

Before applying for this consolidation loan, Tonja had an Experian score of 597, which is fair, so Bank of Vernal likely cannot provide Tonja a consolidation loan

Experian Score: 597

Conclusion of Tonja’s consolidation loan

In the end, Tonja was able to find a consolidation loan for $12000 with an interest rate of 9.4% interest APR from Bank of Vernal in Vernal, Utah repayable over 5 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.