$22000 Personal Loan – Provo Utah, Credit Rating Of 349
- Experian: 367 – The client had a terrible Experian rating
- Transunion: 335 – Bernadette had a terrible credit rating with Transunion.
- Equifax: Bernadette’s Experian score was 349, which is a terrible credit score on the Experian system.
Signature Loan found in Provo, Utah for $22000 with terrible credit by Bernadette
Many clients have difficulty with finding signature loans in Provo, Utah, and Bernadette is the same. Bernadette went to 4 lending institutions or more prior to finding Rock Canyon Bank, who offered Bernadette a signature loan for $22000. Most signature loans simply require a client, like Bernadette’s signature to get them, up to $45,000 in some cases. Bernadette was able to get $22000 as a personal loan, which is very high for a personal loan. Because signature loans don’t require collateral, these loans tend to need improved credit, as high as 743
Fast Loans for Bernadette in Provo, Utah to prevent bankruptcy or harm from debt collectors.
Fast loans in Provo, Utah aren’t actually that difficult to obtain, particularly if you have some finesse like Bernadette. Bernadette was able to find a fast loan for $22000 from Central Bank and Deseret Bank, but turned down both offers in favor of their personal loan from Rock Canyon Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference if a borrower is in a time sensitive situation.
- Full name (Changed if requested): Bernadette Langenbach
- Current Credit: loans.hit.utils.Fico@4aa8f0b4
- Current City: Provo
- State: Utah
- Zip code: 84611
- Yearly income: $58,000
- Current Job: model makers
- Current County: Utah
- Goal Yearly Income: $115,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000
Bernadette’s Transunion score was altered by the personal loan loan, changing to 335 from 349, which is typical in our experience.
Before applying for this personal loan, Bernadette had an Experian score of 367, which is terrible, so Rock Canyon Bank probably cannot provide Bernadette a personal loan
6 Months Ago, Bernadette Tried Finding a High Risk Loan for $26,000.00, but They Didn’t Find What They were Expecting
It is an ongoing struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Bernadette. Bernadette 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 individuals. Individuals with credit scores as low as 459 can apply for a high risk loan and have a chance to be accepted.
Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans vary from $29,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Bernadette required a debt consolidation loan to pay for their existing personal loan and their payday loan. Bernadette was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 3.4%.
Bernadette has a very low current total income, but has a high number of prospects
Bernadette has always wanted to be a physics professor, but would need attend “Proteus, Inc.” again to achieve it. Bernadette has other prospects as well, including field health officer, food & drug inspector, and soil conservationist, which pay $51,000 through to $95,000 per year, on average. Because of this, we believe that Bernadette can afford this personal loan of $22000.
Bernadette was not approved by KeyBank National Association 4 times before being approved by Rock Canyon Bank at 215 W 2230 N
On March 26, 2012, Bernadette applied about borrowing $19,000 from The First National Bank of Morgan with Marlana, their friend from just outside Provo, and even with the co-signer, Bernadette was rejected for this personal loan. With terrible credit, it can be difficult to obtain financing, even with collateral and a co-signer.
Paraphrased and Standardized Quote from Bernadette for this personal loan of $22000, provided by Rock Canyon Bank
Hello, I am Bernadette and I am from Provo in Utah. Utah, county is where I grew up, and now I need a personal loan in Utah for $22000 to buy a big ticket item. It has been difficult, but Rock Canyon Bank really came through for me with this loan for 10.8% interest APR and a term of 10 years. I can probably repay the loan over the 10 year term, including interest. A big thanks to Rock Canyon Bank for trusting me and my terrible credit. It look me 6 years to build my credit to 349, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.
Personal Loan for a model makers named Bernadette in Provo, Utah to Pay Off Simmons Bank Visa Gold Select
Bernadette had a tonne of credit card debt on their AeroMexico Visa Card and their The Limited Credit Card, and they were starting to get in over their heads. Despite Bernadette’s job as a model makers, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Several past requests for credit have been made by Bernadette in the past, including one from Peoples State Bank of Velva in Provo, Utah before Bernadette was approved for the $22000 by Rock Canyon Bank
Bernadette made 8 prior attempts to obtain a personal loan, 2 of which were with Peoples State Bank of Velva, a bank in Provo, Utah known to specialize in personal loans specifically. Prior to finding Rock Canyon Bank, Bernadette was very concerned due to their inexperience and terrible credit score.
Previous requests on Bernadette’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $97870.00 | 7 | 9.7% | $1609.63 | Bank of Ephraim | October 31, 2012 |
| $97890.00 | 11 | 6.2% | $1024.84 | Gunnison Valley Bank | January 8, 2013 |
| $98190.00 | 8 | 9.4% | $1458.96 | The Helper State Bank | August 16, 2013 |
| $98360.00 | 6 | 8.3% | $1739.01 | Barnes Banking Company | September 1, 2013 |
Contact Details for Rock Canyon Bank, the provider of this personal loan
- Rock Canyon Bank
- City: Provo
- State: Utah
- Address: 215 W 2230 N
- County: Utah
- Zip code: 84604
Installment loan for Bernadette, a graduate of “Proteus, Inc.” and a model makers working for over $72,000 per year
Bernadette, an alumnus at “Proteus, Inc.” and a model makers in Provo, Utah wants a personal loan to purchase a house. Bernadette has instead chosen to obtain an installment loan for $3,000 and is currently seeking lenders like Lewiston State Bank to provide it.
Bernadette’s Overall FICO score at the time of acceptance for a personal loan, taking into account their model makers job and their future job as a physics professor
When Bernadette was 20, they attempted to obtain a student loan from 5 different banks, which harmed their credit score. Below is a list of Bernadette’s prior attempts at finding a student loan:
- Attempt 1) Loan for $33,000.00 on April 16, 2009
- Attempt 2) Loan for $23,000.00 on December 18, 2011
- Attempt 3) Loan for $39,000.00 on May 23, 2009
- Attempt 4) Loan for $28,000.00 on May 27, 2012
- Attempt 5) Loan for $25,000.00 on January 5, 2011
Conclusion of Bernadette’s personal loan
In the end, Bernadette was able to find a personal loan for $22000 with an interest rate of 9.8% interest APR from Rock Canyon Bank in Provo, Utah repayable over 10 years from now.
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