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4 Month, Fixed Interest Personal Loan For Kelsey In Kansas

$52000 Personal Loan – Blue Mound Kansas, Credit Score Of 322

  • Experian: 337 – The client had a terrible Experian rating
  • Transunion: 306 – Kelsey had a terrible credit rating with Transunion.
  • Equifax: Kelsey’s Experian score was 322, which is a terrible credit rating on the Experian system.

Paraphrased and Standardized Quote from Kelsey for this personal loan of $52000, provided by The Farmers State Bank of Blue Mound

Hi, I am Kelsey and my hometown is Blue Mound in Kansas. Linn, county is where I grew up, and now I need a personal loan in Kansas for $52000 to renovate my home. It wasn’t easy, but The Farmers State Bank of Blue Mound really came through for me with this loan for 5.4% interest APR and a term of 4 years. I will repay the loan over the 4 year term, including interest. A big thanks to The Farmers State Bank of Blue Mound for giving me a chance and my terrible credit. It look me 6 years to create my credit to 322, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Fast Loans for Kelsey in Blue Mound, Kansas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Blue Mound, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Kelsey. Kelsey was able to find a fast loan for $52000 from The Union State Bank and The Citizens State Bank, Liberal, Kansas, but declined both offers in favor of their personal loan from The Farmers State Bank of Blue Mound. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big improvement in the case that a borrower is in a time sensitive situation.

Installment loan for Kelsey, a graduate of University of Wyoming and a food batchmaker working for over $72,000 per year

Kelsey, an alumnus at University of Wyoming and a food batchmaker in Blue Mound, Kansas wants a personal loan to purchase something frivolous. Kelsey has instead decided to obtain an installment loan for $9,000 and is at present seeking lenders like Farmers National Bank to process their request.

Kelsey was not approved by UMB Farmers National Bank of Abilene 4 times before being granted funding by The Farmers State Bank of Blue Mound at 205 South Fifth Street

On January 21, 2011, Kelsey inquired about borrowing $15,000 from The Peoples Bank with Dalia, their in law from just outside Blue Mound, and even with the co-signer, Kelsey was rejected for this personal loan. With terrible credit, it can be challenging to procure funding, even with collateral and a co-signer.

Personal Loan for a food batchmaker named Kelsey in Blue Mound, Kansas to Pay Off M&T Visa Credit Card with Rewards

Kelsey had a lot of credit card debt on their National Penn Bank Credit Cards and their Zions Bank Visa Secured Card, and they were starting to get in over their heads. Despite Kelsey’s job as a food batchmaker, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Kelsey has a very low current yearly income, but has several of prospects

Kelsey has always wanted to be a foreign service officer, but would need attend University of Wyoming again to achieve it. Kelsey has other prospects as well, including electric meter installer, political science professor, and social work professor, which pay $53,000 through to $92,000 per year, on average. Because of this, we believe that Kelsey can pay for this personal loan of $52000.

Several previous requests for credit have been made by Kelsey in the past, including one from CNLBank, Southwest Florida in Blue Mound, Kansas before Kelsey was approved for the $52000 by The Farmers State Bank of Blue Mound

Kelsey made 5 prior attempts to obtain a personal loan, 2 of which were with CNLBank, Southwest Florida, a bank in Blue Mound, Kansas known to specialize in personal loans specifically. Before finding The Farmers State Bank of Blue Mound, Kelsey was concerned due to their inexperience and terrible credit rating.

9 Months Ago, Kelsey Attempted to Find a High Risk Loan for $31,000.00, and it was Easy

There is an existing struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Kelsey. Kelsey chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Clients with credit ratings as low as 480 can apply for a high risk loan and have a chance to be approved.

Contact Details for The Farmers State Bank of Blue Mound, the provider of this personal loan

  • The Farmers State Bank of Blue Mound
  • City: Blue Mound
  • State: Kansas
  • Address: 205 South Fifth Street
  • County: Linn
  • Zip code: 66010

Before applying for this personal loan, Kelsey had an Experian score of 337, which is terrible, so The Farmers State Bank of Blue Mound probably cannot provide Kelsey a personal loan

Experian Score: 337

Signature Loan acquired in Blue Mound, Kansas for $52000 with terrible credit by Kelsey

Most borrowers struggle with obtaining signature loans in Blue Mound, Kansas, and Kelsey is not an exception. Kelsey went to 8 lenders or more before settling on The Farmers State Bank of Blue Mound, who offered Kelsey a signature loan for $52000. Typical signature loans simply require a client, like Kelsey’s signature to get them, up to $38,000 in some cases. Kelsey was able to get $52000 as a personal loan, which is very high for a personal loan. Because signature loans don’t require a cosigner, they generally need higher credit, as high as 747

Kelsey’s Overall FICO score at the time of acceptance for a personal loan, taking into account their food batchmaker job and their future career as a foreign service officer

Fico Score: 322

Kelsey’s Transunion score was altered by the personal loan loan, changing to 306 from 322, which is normal in our experience.

Transunion Score: 306

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $23,000.00 to $54,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kelsey required a debt consolidation loan to pay for their existing personal loan and their payday loan. Kelsey was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a tactic 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 that are low, like 2.7%.

Previous requests on Kelsey’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$89210.00 7 11.7% $1560.52 Citizens Bank and Trust Company May 27, 2010
$89280.00 10 10.2% $1189.75 The Morrill and Janes Bank and Trust Company February 21, 2012
$89270.00 3 11.2% $2931.05 The Citizens State Bank, Liberal, Kansas September 11, 2012
$89370.00 6 7.5% $1545.22 Citizens State Bank January 14, 2013
$89130.00 6 10.4% $1669.24 The Peoples Bank November 8, 2013

When Kelsey was 18, they tried to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a chronology of Kelsey’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on March 25, 2009
  • Attempt 2) Loan for $20,000.00 on January 26, 2012
  • Attempt 3) Loan for $38,000.00 on August 5, 2010
  • Attempt 4) Loan for $26,000.00 on December 18, 2011
  • Attempt 5) Loan for $27,000.00 on February 29, 2012
  • Attempt 6) Loan for $37,000.00 on June 23, 2012
  • Attempt 7) Loan for $32,000.00 on June 2, 2013
Client Profile: Kelsey Mcmutry of Blue Mound, Kansas
  • Full name (Changed if requested): Kelsey Mcmutry
  • Current Credit: loans.hit.utils.Fico@73c6c3b2
  • Current City: Blue Mound
  • State: Kansas
  • Zip code: 66018
  • Yearly income: $69,000
  • Current Job: food batchmaker
  • Current County: Linn
  • Goal Yearly Income: $98,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Conclusion of Kelsey’s personal loan

In the end, Kelsey was able to find a personal loan for $52000 with an interest rate of 7.6% interest APR from The Farmers State Bank of Blue Mound in Blue Mound, Kansas repayable over 4 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.