$96000 Private Loan – Ballwin Missouri, Credit Score Of 686
- Experian: 697 – This individual had a good Experian score
- Transunion: 670 – Buddy had a good credit rating with Transunion.
- Equifax: Buddy’s Experian score was 686, which is a good credit score using the Experian scale.
Buddy’s Transunion score was altered by the private loan loan, changing to 670 from 686, which is normal in our experience.
Buddy’s Overall FICO score at the time of acceptance for a private loan, taking into account their computer and information systems manager job and their future career as a marine engineer
Signature Loan easily acquired in Ballwin, Missouri for $96000 with good credit by Buddy
A lot of prospective borrowers have difficulty with finding signature loans in Ballwin, Missouri, and Buddy is no exception. Buddy went to 4 lending institutions or more prior to finding Boatmen’s Bank of West County, who offered Buddy a signature loan for $96000. Most signature loans simply require a client, like Buddy’s signature to obtain them, up to $31,000 in some cases. Buddy was able to get $96000 as a private loan, which is very high for a private loan. Since signature loans don’t require collateral, these loans tend to need improved credit, as high as 770
Buddy was rejected by Bremen Bank and Trust Company 6 times prior to being granted funding by Boatmen’s Bank of West County at 555 Manchester Road
On November 24, 2010, Buddy inquired about borrowing $32,000 from Central Bank with Dallas, their in law from just outside Ballwin, and even with the co-signer, Buddy was rejected for this private loan. With good credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans vary from $35,000.00 to $50,000.00. They are typically used to pay off existing high interest loans like credit cards. Buddy needed a debt consolidation loan to pay for their existing private loan and their payday loan. Buddy was able to find a private loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.5%.
Previous requests on Buddy’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$124100.00||3||8.4%||$3911.78||Camden County Bank||February 6, 2011|
|$123550.00||11||11.1%||$1624.72||Glasgow Savings Bank||July 7, 2011|
|$124350.00||10||8.6%||$1548.42||Central Bank||May 27, 2013|
|$124260.00||8||11.3%||$1972.09||Midwest BankCentre||August 24, 2013|
|$124420.00||8||6.5%||$1665.52||Commerce Bank of Richmond Heights||January 23, 2014|
When Buddy was 20, they attempted to obtain a student loan from 4 different lenders, which damaged their credit score. Below is a list of Buddy’s previous attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on October 14, 2008
- Attempt 2) Loan for $24,000.00 on March 30, 2011
- Attempt 3) Loan for $27,000.00 on May 9, 2012
- Attempt 4) Loan for $25,000.00 on January 17, 2014
Installment loan for Buddy, a graduate of Konocti College of Holistic Studies and a computer and information systems manager working for over $71,000 per year
Buddy, an alumnus at Konocti College of Holistic Studies and a computer and information systems manager in Ballwin, Missouri needs a private loan to purchase a car. Buddy has instead chosen to get an installment loan for $10,000 and is at present seeking lenders like Glasgow Savings Bank to process their request.
Buddy has a disappointing current total income, but has a large amount of prospects
Buddy has always wanted to be a marine engineer, but would need attend Konocti College of Holistic Studies again to achieve it. Buddy has other prospects as well, including airport administrator, forensics psychologist, and crop workers supervisor, which pay $58,000 through to $99,000 per year, on average. For this reason, we think that Buddy can afford this private loan of $96000.
Contact Details for Boatmen’s Bank of West County, the provider of this private loan
- Boatmen’s Bank of West County
- City: Ballwin
- State: Missouri
- Address: 555 Manchester Road
- County: St. Louis
- Zip code: 63011
7 Months in the Past, Buddy Tried Finding a High Risk Loan for $32,000.00, and it was Hard
It is an well known struggle for clients to get high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Buddy. Buddy decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Clients with credit scores as low as 380 can inquire for a high risk loan and possibly can be approved.
Before applying for this private loan, Buddy had an Experian score of 697, which is good, so Boatmen’s Bank of West County most likely cannot provide Buddy a private loan
Paraphrased and Standardized Quote from Buddy for this private loan of $96000, provided by Boatmen’s Bank of West County
Hi, I am Buddy and my hometown is Ballwin in Missouri. St. Louis, county is where I grew up, and now I need a private loan in Missouri for $96000 to buy a big ticket item. It has been difficult, but Boatmen’s Bank of West County really came through for me with this loan for 11.1% interest APR and a term of 4 years. I can probably repay the loan over the 4 year term, including interest. A big thanks to Boatmen’s Bank of West County for trusting me and my good credit. It look me 5 years to build my credit to 686, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.
- Full name (Changed if requested): Buddy Cabrena
- Current Credit: loans.hit.utils.Fico@3ecf72fd
- Current City: Ballwin
- State: Missouri
- Zip code: 63020
- Yearly income: $40,000
- Current Job: computer and information systems manager
- Current County: St. Louis
- Goal Yearly Income: $81,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Personal Loan for a computer and information systems manager named Buddy in Ballwin, Missouri to Pay Off MCU Visa Platinum
Buddy had a lot of credit card debt on their Popular Community Bank Platinum MasterCard and their PayPal Extras Mastercard, and they were starting to get in over their heads. Despite Buddy’s job as a computer and information systems manager, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Fast Loans for Buddy in Ballwin, Missouri to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Ballwin, Missouri aren’t actually that difficult to obtain, especially if you have some gumption like Buddy. Buddy was able to find a fast loan for $96000 from Bank of Craig and Commerce Bank of Tower Grove, but turned down both offers in favor of their private loan from Boatmen’s Bank of West County. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better if a client is in a pinch.
Multiple previous requests for credit have been made by Buddy in the past, including one from Republic Savings and Loan Association in Ballwin, Missouri before Buddy was accepted for the $96000 by Boatmen’s Bank of West County
Buddy made 8 prior attempts to obtain a private loan, 2 of which were with Republic Savings and Loan Association, a lending institution in Ballwin, Missouri known to specialize in private loans specifically. Before finding Boatmen’s Bank of West County, Buddy was concerned due to their inexperience and good credit rating.
Conclusion of Buddy’s private loan
In the end, Buddy was able to find a private loan for $96000 with an interest rate of 6.1% interest APR from Boatmen’s Bank of West County in Ballwin, Missouri repayable over 4 years from today.