$172000 Unsecured Loan – Newton Kansas, Credit Score Of 423
- Experian: 441 – The client had a bad Experian rating
- Transunion: 411 – Dede had a bad credit rating with Transunion.
- Equifax: Dede’s Experian score was 423, which is a bad credit rating using the Experian system.
Several past requests for credit have been made by Dede in the past, including one from Dakota Heritage Bank of North Dakota in Newton, Kansas before Dede was accepted for the $172000 by Bank IV Newton, National Association
Dede made 6 prior attempts to obtain an unsecured loan, 2 of which were with Dakota Heritage Bank of North Dakota, a lender in Newton, Kansas known to specialize in unsecured loans specifically. Prior to finding Bank IV Newton, National Association, Dede was concerned due to their inexperience and bad credit score.
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans range from $34,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Dede needed a debt consolidation loan to pay for their existing unsecured loan and their credit card. Dede was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.2%.
Fast Loans for Dede in Newton, Kansas to prevent bankruptcy or harm from debt collectors.
Fast loans in Newton, Kansas aren’t actually that difficult to obtain, particularly if you have some gumption like Dede. Dede was able to find a fast loan for $172000 from Citizens State Bank and Peoples Bank and Trust Company, but declined both offers in favor of their unsecured loan from Bank IV Newton, National Association. The improvement with a fast loan over a debt consolidation 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 pinch.
Paraphrased and Standardized Quote from Dede for this unsecured loan of $172000, provided by Bank IV Newton, National Association
Hi, I am Dede and I’m from Newton in Kansas. Harvey, county is where I grew up, and now I need a unsecured loan in Kansas for $172000 to buy a car. It wasn’t easy, but Bank IV Newton, National Association really came through for me with this loan for 10.4% interest APR and a term of 5 years. I will repay the loan over the 5 year term, including interest. A big thanks to Bank IV Newton, National Association for trusting me and my bad credit. It look me 5 years to build my credit to 423, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.
Before applying for this unsecured loan, Dede had an Experian score of 441, which is bad, so Bank IV Newton, National Association likely cannot provide Dede an unsecured loan
7 Months Ago, Dede Tried to Find a High Risk Loan for $37,000.00, but They Didn’t Find What They were Expecting
It is an ongoing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Dede. Dede decided not to get a high risk loan this time. High Risk loans are given to bad credit applicants. Individuals with credit ratings as low as 452 can apply for a high risk loan and may be be approved.
Dede’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their field health officer job and their future career as a social psychologist
Dede was rejected by Bank of Labor 7 times before being approved by Bank IV Newton, National Association at 606 Main Street
On February 6, 2012, Dede inquired about borrowing $3,000 from Farmers National Bank with Lennie, their in law from just outside Newton, and even with the co-signer, Dede was rejected for this unsecured loan. With bad credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Personal Loan for a field health officer named Dede in Newton, Kansas to Pay Off Bon-Ton Credit Card
Dede had a tonne of credit card debt on their M&T Bank Visa Business Bonus Rewards PLUS Card and their Saint Leo University Credit Card, and they were starting to get in over their heads. Despite Dede’s job as a field health officer, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Contact Details for Bank IV Newton, National Association, the provider of this unsecured loan
- Bank IV Newton, National Association
- City: Newton
- State: Kansas
- Address: 606 Main Street
- County: Harvey
- Zip code: 67114
Previous requests on Dede’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$140480.00||10||7.3%||$1652.9||Citizens Bank and Trust Company||May 18, 2009|
|$139740.00||6||7.3%||$2402.61||The Morrill and Janes Bank and Trust Company||August 20, 2009|
|$139520.00||10||9.8%||$1828.35||The Citizens State Bank, Liberal, Kansas||July 1, 2011|
|$139690.00||9||8.2%||$1833.1||Citizens State Bank||August 25, 2012|
Dede has a disappointing current yearly income, but has a high number of prospects
Dede has always wanted to be a social psychologist, but would have to attend Keiser Career College – Port St. Lucie again to achieve it. Dede has other prospects as well, including range manager, employee training instructor, and nuclear equipment operation technician, which pay $52,000 through to $106,000 per year, at least. For this reason, we think that Dede can afford this unsecured loan of $172000.
When Dede was 20, they attempted to obtain a student loan from 7 different lenders, which harmed their credit rating. Below is a list of Dede’s prior attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on December 2, 2010
- Attempt 2) Loan for $35,000.00 on March 23, 2011
- Attempt 3) Loan for $26,000.00 on August 3, 2009
- Attempt 4) Loan for $27,000.00 on April 11, 2010
- Attempt 5) Loan for $27,000.00 on July 5, 2009
- Attempt 6) Loan for $32,000.00 on October 2, 2011
- Attempt 7) Loan for $21,000.00 on October 2, 2013
Installment loan for Dede, a graduate of Keiser Career College – Port St. Lucie and a field health officer working for over $79,000 per year
Dede, an alumnus at Keiser Career College – Port St. Lucie and a field health officer in Newton, Kansas needs an unsecured loan to purchase a car. Dede has instead decided to obtain an installment loan for $6,000 and is currently seeking lenders like The American State Bank to process their request.
Signature Loan acquired in Newton, Kansas for $172000 with bad credit by Dede
A lot of prospective borrowers struggle with obtaining signature loans in Newton, Kansas, and Dede is the same. Dede went to 5 lending institutions or more before finding Bank IV Newton, National Association, who offered Dede a signature loan for $172000. Most signature loans simply need a client, like Dede’s signature to get them, up to $22,000 in some cases. Dede was able to get $172000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t need a cosigner, these loans tend to need better credit, as high as 709
Dede’s Transunion score was changed by the unsecured loan loan, changing to 411 from 423, which is typical in our experience.
- Full name (Changed if requested): Dede Grabner
- Current Credit: loans.hit.utils.Fico@1698c449
- Current City: Newton
- State: Kansas
- Zip code: 67118
- Yearly income: $36,000
- Current Job: field health officer
- Current County: Harvey
- Goal Yearly Income: $119,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Conclusion of Dede’s unsecured loan
In the end, Dede was able to find an unsecured loan for $172000 with an interest rate of 10.8% interest APR from Bank IV Newton, National Association in Newton, Kansas repayable over 5 years from now.