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22 Month, Variable Interest Emergency Loan For Frankie In Iowa

$144000 Emergency Loan – St. Ansgar Iowa, Credit Rating Of 731

  • Experian: 746 – They had an excellent Experian score
  • Transunion: 712 – Frankie had an excellent credit score with Transunion.
  • Equifax: Frankie’s Experian score was 731, which is an excellent credit score on the Experian system.

Previous requests on Frankie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$90440.00 3 8.7% $2863.36 Mills County Bank National Association September 6, 2010
$90290.00 5 9.2% $1883.05 Postville State Bank April 16, 2011
$89670.00 9 10.1% $1267.3 Washington State Bank April 25, 2011
$89890.00 5 8.2% $1831.26 Rippey Savings Bank May 29, 2013

Installment loan for Frankie, a graduate of Westminster College and an employment administrator working for over $77,000 per year

Frankie, an alumnus at Westminster College and an employment administrator in St. Ansgar, Iowa wants an emergency loan to purchase a house. Frankie has instead decided to get an installment loan for $10,000 and is at present seeking lenders like Ankeny State Bank to provide it.

Frankie’s Transunion score was changed by the emergency loan loan, changing to 712 from 731, which is typical in our experience.

Transunion Score: 712

Personal Loan for an employment administrator named Frankie in St. Ansgar, Iowa to Pay Off Frontier Airlines World MasterCard with Annual Fee

Frankie had a lot of credit card debt on their Rainbow Card Credit Card and their Dress Barn Credit Card, and they were starting to get in over their heads. Despite Frankie’s job as an employment administrator, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

When Frankie was 24, they attempted to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a chronology of Frankie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on April 26, 2009
  • Attempt 2) Loan for $37,000.00 on September 23, 2011
  • Attempt 3) Loan for $36,000.00 on April 13, 2009
  • Attempt 4) Loan for $39,000.00 on October 1, 2011
  • Attempt 5) Loan for $32,000.00 on September 24, 2013
  • Attempt 6) Loan for $29,000.00 on June 24, 2011

Paraphrased and Standardized Quote from Frankie for this emergency loan of $144000, provided by Cedar Valley State Bank

Hi, I am Frankie and my hometown is St. Ansgar in Iowa. Mitchell, county is where I grew up, and now I need a emergency loan in Iowa for $144000 to avoid bankruptcy. It has been difficult, but Cedar Valley State Bank really came through for me with this loan for 5.0% interest APR and a term of 22 years. I can probably repay the loan over the 22 year term, including interest. A big thanks to Cedar Valley State Bank for giving me a chance and my excellent credit. It look me 4 years to create my credit to 731, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

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

Most debt consolidation loans range from $33,000.00 to $56,000.00. They are normally used to pay off existing high interest loans like credit cards. Frankie required a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Frankie was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.5%.

Frankie has a very low current gross income, but has a large amount of prospects

Frankie has always wanted to be an animation cartoonist, but would need attend Westminster College again to achieve it. Frankie has other prospects as well, including vocational rehabilitation counselor, registrar administrator, and electrical parts reconditioner, which pay $50,000 through to $95,000 per year, on average. Because of this, we believe that Frankie can afford this emergency loan of $144000.

Frankie’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their employment administrator job and their future career as an animation cartoonist

Fico Score: 731

Frankie was rejected by Washington State Bank 6 times before being approved by Cedar Valley State Bank at 345 West Fourth Street

On January 17, 2010, Frankie inquired about borrowing $9,000 from Norwest Bank Atlantic, National Association with Cher, their friend from just outside St. Ansgar, and even with the co-signer, Frankie was rejected for this emergency loan. With excellent credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Fast Loans for Frankie in St. Ansgar, Iowa to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in St. Ansgar, Iowa aren’t actually that difficult to obtain, particularly if you have some finesse like Frankie. Frankie was able to find a fast loan for $144000 from Peoples Savings Bank and American State Bank, but turned down both offers in favor of their emergency loan from Cedar Valley State Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference in the case that a borrower is on the go.

Client Profile: Frankie Misenhimer of St. Ansgar, Iowa
  • Full name (Changed if requested): Frankie Misenhimer
  • Current Credit: loans.hit.utils.Fico@4f2410ac
  • Current City: St. Ansgar
  • State: Iowa
  • Zip code: 50476
  • Yearly income: $33,000
  • Current Job: employment administrator
  • Current County: Mitchell
  • Goal Yearly Income: $121,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Several other requests for credit have been made by Frankie in the past, including one from Texasbanc Savings Association in St. Ansgar, Iowa before Frankie was accepted for the $144000 by Cedar Valley State Bank

Frankie made 4 previous tries to obtain an emergency loan, 2 of which were with Texasbanc Savings Association, a lending institution in St. Ansgar, Iowa known to specialize in emergency loans specifically. Before finding Cedar Valley State Bank, Frankie was desperate due to their inexperience and excellent credit rating.

Before applying for this emergency loan, Frankie had an Experian score of 746, which is excellent, so Cedar Valley State Bank most likely cannot provide Frankie an emergency loan

Experian Score: 746

Contact Details for Cedar Valley State Bank, the provider of this emergency loan

  • Cedar Valley State Bank
  • City: St. Ansgar
  • State: Iowa
  • Address: 345 West Fourth Street
  • County: Mitchell
  • Zip code: 50472

Signature Loan found in St. Ansgar, Iowa for $144000 with excellent credit by Frankie

A lot of clients struggle with obtaining signature loans in St. Ansgar, Iowa, and Frankie is no different. Frankie went to 8 lending institutions or more before finding Cedar Valley State Bank, who offered Frankie a signature loan for $144000. Most signature loans simply require a client, like Frankie’s signature to get them, up to $48,000 in some cases. Frankie was able to get $144000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t require a cosigner, these loans generally need higher credit, as high as 707

7 Months in the Past, Frankie Attempted to Find a High Risk Loan for $37,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Frankie. Frankie chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Clients with credit ratings as low as 598 can inquire for a high risk loan and may be be approved.

Conclusion of Frankie’s emergency loan

In the end, Frankie was able to find an emergency loan for $144000 with an interest rate of 11.6% interest APR from Cedar Valley State Bank in St. Ansgar, Iowa repayable over 22 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.