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Emergency Loan With Low APR In Edgar County, Illinois

$4000 Emergency Loan – Kansas Illinois, Credit Score Of 832

  • Experian: 851 – They had an excellent Experian score
  • Transunion: 817 – Fawn had an excellent credit rating with Transunion.
  • Equifax: Fawn’s Experian score was 832, which is an excellent credit score using the Experian scale.

Personal Loan for a sales representative named Fawn in Kansas, Illinois to Pay Off NetSpend Prepaid Visa or MasterCard

Fawn had a tonne of credit card debt on their Berkshire Municipal Bank Visa Signature Bonus Rewards Card and their Korean Air SkyBlue SKYPASS Visa Card, and they were starting to get in over their heads. Despite Fawn’s job as a sales representative, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Fawn for this emergency loan of $4000, provided by Kansas State Bank

Hi, I am Fawn and I am from Kansas in Illinois. Edgar, county is where I grew up, and now I need a emergency loan in Illinois for $4000 to buy a big ticket item. It has been difficult, but Kansas State Bank really came through for me with this loan for 5.8% interest APR and a term of 23 years. I can repay the loan over the 23 year term, including interest. A big thanks to Kansas State Bank for trusting me and my excellent credit. It look me 4 years to build my credit to 832, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.

Fawn’s Transunion score was altered by the emergency loan loan, changing to 817 from 832, which is typical in our experience.

Transunion Score: 817

Fawn was declined by Metropolitan Bank and Trust Company 6 times prior to being granted funding by Kansas State Bank at 218 Buena Vista Street

On August 5, 2011, Fawn applied about borrowing $44,000 from Bank One, Illinois, National Association with Deon, their friend from just outside Kansas, and even with the co-signer, Fawn was rejected for this emergency loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.

Previous requests on Fawn’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$118150.00 9 9.1% $1606.36 The Gerber State Bank August 10, 2012
$118430.00 9 7.3% $1499.18 The Belvidere National Bank and Trust Company November 8, 2014
$118290.00 6 8.5% $2103.01 Commerce Bank July 4, 2015
$118310.00 9 6.2% $1432.13 Byron Bank July 12, 2015

Fawn’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their sales representative job and their future job as a patent agent

Fico Score: 832

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

  • Kansas State Bank
  • City: Kansas
  • State: Illinois
  • Address: 218 Buena Vista Street
  • County: Edgar
  • Zip code: 61933

6 Months Ago, Fawn Tried Finding a High Risk Loan for $36,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Fawn. Fawn decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Borrowers with credit ratings as low as 486 can inquire for a high risk loan and possibly can be accepted.

Installment loan for Fawn, a graduate of California University of Pennsylvania and a sales representative working for over $73,000 per year

Fawn, an alumnus at California University of Pennsylvania and a sales representative in Kansas, Illinois needs an emergency loan to purchase a car. Fawn has instead chosen to obtain an installment loan for $23,000 and is at present seeking lenders like Commerce Bank of Woodford County, National Association to process their request.

When Fawn was 19, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit score. Below is a chronology of Fawn’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on November 10, 2010
  • Attempt 2) Loan for $22,000.00 on February 26, 2010
  • Attempt 3) Loan for $37,000.00 on May 11, 2011
  • Attempt 4) Loan for $38,000.00 on February 1, 2012
  • Attempt 5) Loan for $23,000.00 on January 27, 2009

Signature Loan easily acquired in Kansas, Illinois for $4000 with excellent credit by Fawn

A lot of prospective borrowers have difficulty with obtaining signature loans in Kansas, Illinois, and Fawn is not an exception. Fawn went to 5 lenders or more prior to settling on Kansas State Bank, who offered Fawn a signature loan for $4000. Typical signature loans simply need a client, like Fawn’s signature to obtain them, up to $26,000 in some cases. Fawn was able to get $4000 as a emergency loan, which is very high for an emergency loan. Since signature loans don’t require collateral, these loans generally require improved credit, as high as 711

Multiple other requests for credit have been made by Fawn in the past, including one from Orem State Bank in Kansas, Illinois before Fawn was accepted for the $4000 by Kansas State Bank

Fawn made 8 prior attempts to obtain an emergency loan, 2 of which were with Orem State Bank, a lending institution in Kansas, Illinois known to specialize in emergency loans specifically. Before finding Kansas State Bank, Fawn was concerned due to their inexperience and excellent credit rating.

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $36,000.00 to $59,000.00. They are typically used to pay off existing high interest loans like credit cards. Fawn needed a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Fawn was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.8%.

Fawn has a disappointing current yearly income, but has a high number of prospects

Fawn has always wanted to be a patent agent, but would have to attend California University of Pennsylvania again to become one. Fawn has other possibilities as well, including airport design engineer, ornamental-metalwork designer, and biomedical equipment technician, which pay $57,000 through to $95,000 per year, at least. Because of this, we think that Fawn can afford this emergency loan of $4000.

Client Profile: Fawn Langlinais of Kansas, Illinois
  • Full name (Changed if requested): Fawn Langlinais
  • Current Credit: loans.hit.utils.Fico@3f91beef
  • Current City: Kansas
  • State: Illinois
  • Zip code: 61942
  • Yearly income: $66,000
  • Current Job: sales representative
  • Current County: Edgar
  • Goal Yearly Income: $146,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Fast Loans for Fawn in Kansas, Illinois to prevent bankruptcy or harm from debt collectors.

Fast loans in Kansas, Illinois aren’t actually that difficult to obtain, especially if you have some gumption like Fawn. Fawn was able to find a fast loan for $4000 from The National Republic Bank of Chicago and Uptown National Bank of Chicago, but declined both offers in favor of their emergency loan from Kansas State Bank. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better if a borrower is in a pinch.

Before applying for this emergency loan, Fawn had an Experian score of 851, which is excellent, so Kansas State Bank probably cannot provide Fawn an emergency loan

Experian Score: 851

Conclusion of Fawn’s emergency loan

In the end, Fawn was able to find an emergency loan for $4000 with an interest rate of 6.6% interest APR from Kansas State Bank in Kansas, Illinois repayable over 23 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.