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Felice Needed A Personal Loan For $168000, West Plains, Missouri

$168000 Personal Loan – West Plains Missouri, Credit Score Of 692

  • Experian: 711 – This individual had a good Experian rating
  • Transunion: 675 – Felice had a good credit rating with Transunion.
  • Equifax: Felice’s Experian score was 692, which is a good credit rating on the Experian system.

When Felice was 21, they attempted to obtain a student loan from 6 different banks, which harmed their credit score. Below is a list of Felice’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on July 16, 2013
  • Attempt 2) Loan for $30,000.00 on January 31, 2010
  • Attempt 3) Loan for $24,000.00 on October 22, 2008
  • Attempt 4) Loan for $27,000.00 on May 24, 2009
  • Attempt 5) Loan for $20,000.00 on September 3, 2010
  • Attempt 6) Loan for $24,000.00 on December 20, 2011

Previous requests on Felice’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$64830.00 10 6.8% $746.07 Camden County Bank July 30, 2010
$65220.00 5 8.7% $1344.38 Glasgow Savings Bank October 10, 2012
$64510.00 6 11.8% $1254.48 Central Bank February 8, 2013
$65410.00 8 11.3% $1038.1 Midwest BankCentre December 23, 2013
$64600.00 6 10.5% $1213.12 Commerce Bank of Richmond Heights October 6, 2014

Paraphrased and Standardized Quote from Felice for this personal loan of $168000, provided by West Plains Bank and Trust Company

Hello, I am Felice and my hometown is West Plains in Missouri. Howell, county is where I grew up, and now I need a personal loan in Missouri for $168000 to buy a car. It has been difficult, but West Plains Bank and Trust Company really came through for me with this loan for 9.0% interest APR and a term of 4 years. I can repay the loan over the 4 year term, including interest. A big thanks to West Plains Bank and Trust Company for giving me a chance and my good credit. It look me 5 years to build my credit to 692, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

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

Most debt consolidation loans vary from $29,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Felice required a debt consolidation loan to pay for their existing personal loan and their payday loan. Felice was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your dirty, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.0%.

Client Profile: Felice Boreen of West Plains, Missouri
  • Full name (Changed if requested): Felice Boreen
  • Current Credit: loans.hit.utils.Fico@b81eda8
  • Current City: West Plains
  • State: Missouri
  • Zip code: 65779
  • Yearly income: $45,000
  • Current Job: vending machine mechanic
  • Current County: Howell
  • Goal Yearly Income: $149,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Before applying for this personal loan, Felice had an Experian score of 711, which is good, so West Plains Bank and Trust Company most likely cannot provide Felice a personal loan

Experian Score: 711

Many previous requests for credit have been made by Felice in the past, including one from Saratoga Savings and Loan Association in West Plains, Missouri before Felice was approved for the $168000 by West Plains Bank and Trust Company

Felice made 7 prior attempts to obtain a personal loan, 2 of which were with Saratoga Savings and Loan Association, a bank in West Plains, Missouri known to specialize in personal loans specifically. Prior to finding West Plains Bank and Trust Company, Felice was desperate due to their inexperience and good credit rating.

Felice’s Transunion score was changed by the personal loan loan, changing to 675 from 692, which is typical in our experience.

Transunion Score: 675

7 Months Ago, Felice Attempted to Find a High Risk Loan for $21,000.00, and it was Hard

There is an well known struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Felice. Felice chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Individuals with credit scores as low as 324 can apply for a high risk loan and may be be accepted.

Personal Loan for a vending machine mechanic named Felice in West Plains, Missouri to Pay Off First Internet Bank CONNECT Classic

Felice had a tonne of credit card debt on their Staples Business Credit Card-Revolving and their OmniPeace Visa Platinum Rewards Card, and they were starting to get in over their heads. Despite Felice’s job as a vending machine mechanic, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Felice’s Overall FICO score at the time of acceptance for a personal loan, taking into account their vending machine mechanic job and their future job as an insurance lawyer

Fico Score: 692

Fast Loans for Felice in West Plains, Missouri to prevent bankruptcy or harm from debt collectors.

Fast loans in West Plains, Missouri aren’t actually that difficult to obtain, particularly if you have some finesse like Felice. Felice was able to find a fast loan for $168000 from Commerce Bank of Mound City and Central Bank, but declined both offers in favor of their personal loan from West Plains Bank and Trust Company. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big difference if a borrower is in a time sensitive situation.

Signature Loan found in West Plains, Missouri for $168000 with good credit by Felice

Most prospective borrowers struggle with obtaining signature loans in West Plains, Missouri, and Felice is the same. Felice went to 4 lending institutions or more before finding West Plains Bank and Trust Company, who offered Felice a signature loan for $168000. Typical signature loans simply need a client, like Felice’s signature to get them, up to $24,000 in some cases. Felice was able to get $168000 as a personal loan, which is very high for a personal loan. Since signature loans do not need a cosigner, these loans tend to require higher credit, as high as 730

Installment loan for Felice, a graduate of Bethel University and a vending machine mechanic working for over $74,000 per year

Felice, an alumnus at Bethel University and a vending machine mechanic in West Plains, Missouri wants a personal loan to purchase a new cell phone. Felice has instead decided to obtain an installment loan for $26,000 and is at present seeking lenders like Bremen Bank and Trust Company to provide it.

Felice has a very low current gross income, but has a high number of prospects

Felice has always wanted to be an insurance lawyer, but would have to attend Bethel University again to achieve it. Felice has other prospects as well, including dry wall installer, utility meter reader, and sales representative, which pay $57,000 through to $98,000 per year, at least. For this reason, we think that Felice can pay for this personal loan of $168000.

Contact Details for West Plains Bank and Trust Company, the provider of this personal loan

  • West Plains Bank and Trust Company
  • City: West Plains
  • State: Missouri
  • Address: 11 Court Square
  • County: Howell
  • Zip code: 65775

Felice was rejected by Boatmen’s Bank of Webster Groves 4 times before being approved by West Plains Bank and Trust Company at 11 Court Square

On November 25, 2011, Felice inquired about borrowing $29,000 from Commerce Bank of Moberly, National Association with Carmelo, their friend from just outside West Plains, and even with the co-signer, Felice was rejected for this personal loan. With good credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Conclusion of Felice’s personal loan

In the end, Felice was able to find a personal loan for $168000 with an interest rate of 5.1% interest APR from West Plains Bank and Trust Company in West Plains, Missouri 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.