$98000 Consolidation Loan – Chandler Minnesota, Credit Score Of 801
- Experian: 820 – This client had an excellent Experian score
- Transunion: 782 – Kimberli had an excellent credit rating with Transunion.
- Equifax: Kimberli’s Experian score was 801, which is an excellent credit rating with the Experian rating scheme.
Kimberli was declined by Minnwest Bank Central 7 times prior to being approved by State Bank of Chandler at Fourth And Main
On June 15, 2013, Kimberli inquired about borrowing $8,000 from Valley Bank Dundas with Alia, their in law from just outside Chandler, and even with the co-signer, Kimberli was rejected for this consolidation loan. With excellent credit, it can be challenging to obtain financing, even with collateral and a co-signer.
When Kimberli was 22, they tried to obtain a student loan from 7 alternate lenders, which damaged their credit score. Below is a list of Kimberli’s previous attempts at finding a student loan:
- Attempt 1) Loan for $33,000.00 on March 30, 2011
- Attempt 2) Loan for $20,000.00 on September 25, 2009
- Attempt 3) Loan for $30,000.00 on January 19, 2010
- Attempt 4) Loan for $27,000.00 on November 7, 2013
- Attempt 5) Loan for $26,000.00 on May 6, 2009
- Attempt 6) Loan for $23,000.00 on May 27, 2009
- Attempt 7) Loan for $24,000.00 on November 19, 2012
Paraphrased and Standardized Quote from Kimberli for this consolidation loan of $98000, provided by State Bank of Chandler
Hello, I am Kimberli and I’m from Chandler in Minnesota. Murray, county is where I grew up, and now I need a consolidation loan in Minnesota for $98000 to renovate my home. It wasn’t easy, but State Bank of Chandler really came through for me with this loan for 11.8% interest APR and a term of 4 years. I can repay the loan over the 4 year term, including interest. A big thanks to State Bank of Chandler for trusting me and my excellent credit. It look me 8 years to create my credit to 801, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.
Kimberli has a sad current total income, but has a high number of prospects
Kimberli has always wanted to be a library assistant, but would need attend Pierce College at Puyallup again to become one. Kimberli has other possibilities as well, including social work professor, biology professor, and soil conservationist, which pay $57,000 through to $100,000 per year, at least. For this reason, we believe that Kimberli can afford this consolidation loan of $98000.
Contact Details for State Bank of Chandler, the provider of this consolidation loan
- State Bank of Chandler
- City: Chandler
- State: Minnesota
- Address: Fourth And Main
- County: Murray
- Zip code: 56122
Kimberli’s Transunion score was altered by the consolidation loan loan, changing to 782 from 801, which is typical in our experience.
Before applying for this consolidation loan, Kimberli had an Experian score of 820, which is excellent, so State Bank of Chandler most likely cannot provide Kimberli a consolidation loan
Multiple other requests for credit have been made by Kimberli in the past, including one from First State Bank Iowa in Chandler, Minnesota before Kimberli was accepted for the $98000 by State Bank of Chandler
Kimberli made 8 previous attempts to obtain a consolidation loan, 2 of which were with First State Bank Iowa, a bank in Chandler, Minnesota known to specialize in consolidation loans specifically. Before finding State Bank of Chandler, Kimberli was very concerned due to their inexperience and excellent credit score.
Signature Loan found in Chandler, Minnesota for $98000 with excellent credit by Kimberli
A lot of borrowers struggle with obtaining signature loans in Chandler, Minnesota, and Kimberli is no different. Kimberli went to 7 lending institutions or more before settling on State Bank of Chandler, who offered Kimberli a signature loan for $98000. Most signature loans simply need a client, like Kimberli’s signature to obtain them, up to $41,000 in some cases. Kimberli was able to get $98000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not need collateral, they generally need higher credit, as high as 785
7 Months in the Past, Kimberli Tried to Find 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 non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Kimberli. Kimberli chose not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Clients with credit scores as low as 302 can apply for a high risk loan and possibly can be approved.
Installment loan for Kimberli, a graduate of Pierce College at Puyallup and an art restorer working for over $76,000 per year
Kimberli, an alumnus at Pierce College at Puyallup and an art restorer in Chandler, Minnesota needs a consolidation loan to purchase a house. Kimberli has instead decided to get an installment loan for $25,000 and is at present seeking lenders like Citizens State Bank of Gaylord to process their request.
Fast Loans for Kimberli in Chandler, Minnesota to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Chandler, Minnesota aren’t actually that difficult to obtain, especially if you have some gumption like Kimberli. Kimberli was able to find a fast loan for $98000 from Lakes State Bank and Marquette Bank Cannon Falls, but turned down both offers in favor of their consolidation loan from State Bank of Chandler. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better in the case that a client is in a time sensitive situation.
- Full name (Changed if requested): Kimberli Innamorato
- Current Credit: loans.hit.utils.Fico@6e2c634b
- Current City: Chandler
- State: Minnesota
- Zip code: 56130
- Yearly income: $45,000
- Current Job: art restorer
- Current County: Murray
- Goal Yearly Income: $105,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Personal Loan for an art restorer named Kimberli in Chandler, Minnesota to Pay Off Harley-Davidson Visa Signature Card
Kimberli had a tonne of credit card debt on their Simmons Bank Visa Classic and their Lane Bryant Credit Card, and they were starting to get in over their heads. Despite Kimberli’s job as an art restorer, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Previous requests on Kimberli’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $131440.00 | 11 | 10.7% | $1698.1 | Marquette Bank Cannon Falls | April 20, 2009 |
| $130530.00 | 7 | 5.1% | $1851.04 | Root River State Bank | March 8, 2010 |
| $130840.00 | 6 | 6.4% | $2193.19 | Clinton State Bank | September 26, 2013 |
| $131390.00 | 5 | 6.3% | $2558.51 | Peoples State Bank of Plainview | January 12, 2014 |
Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans range from $27,000.00 to $56,000.00. They are normally used to pay off existing high interest loans like credit cards. Kimberli required a debt consolidation loan to pay for their existing consolidation loan and their credit card. Kimberli was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.4%.
Kimberli’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their art restorer job and their future career as a library assistant
Conclusion of Kimberli’s consolidation loan
In the end, Kimberli was able to find a consolidation loan for $98000 with an interest rate of 7.0% interest APR from State Bank of Chandler in Chandler, Minnesota repayable over 4 years from today.
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