$36000 Emergency Loan – Kansas City Missouri, Credit Score Of 662
- Experian: 678 – This individual had a good Experian rating
- Transunion: 644 – Isreal had a good credit score with Transunion.
- Equifax: Isreal’s Experian score was 662, which is a good credit rating on the Experian scale.
Installment loan for Isreal, a graduate of Everest Institute – Southfield and a field health officer working for over $70,000 per year
Isreal, an alumnus at Everest Institute – Southfield and a field health officer in Kansas City, Missouri wants an emergency loan to purchase a house. Isreal has instead decided to obtain an installment loan for $16,000 and is currently seeking lenders like Commerce Bank of Tower Grove to process their request.
Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans range from $24,000.00 to $41,000.00. They are typically used to pay off existing high interest loans like credit cards. Isreal required a debt consolidation loan to pay for their existing emergency loan and their credit card. Isreal was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.0%.
Several other requests for credit have been made by Isreal in the past, including one from Atlantic Permanent Savings Bank FSB in Kansas City, Missouri before Isreal was approved for the $36000 by Commerce Bank of Clay County, National Association
Isreal made 4 previous attempts to obtain an emergency loan, 2 of which were with Atlantic Permanent Savings Bank FSB, a lending institution in Kansas City, Missouri known to specialize in emergency loans specifically. Before finding Commerce Bank of Clay County, National Association, Isreal was desperate due to their inexperience and good credit rating.
Isreal’s Transunion score was changed by the emergency loan loan, changing to 644 from 662, which is normal in our experience.
Isreal’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their field health officer job and their future job as a control center specialist
Signature Loan found in Kansas City, Missouri for $36000 with good credit by Isreal
Most clients have difficulty with obtaining signature loans in Kansas City, Missouri, and Isreal is not an exception. Isreal went to 8 lending institutions or more before settling on Commerce Bank of Clay County, National Association, who offered Isreal a signature loan for $36000. Most signature loans simply need a client, like Isreal’s signature to obtain them, up to $35,000 in some cases. Isreal was able to get $36000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t require a cosigner, they generally need higher credit, as high as 706
Paraphrased and Standardized Quote from Isreal for this emergency loan of $36000, provided by Commerce Bank of Clay County, National Association
Hello, I am Isreal and I’m from Kansas City in Missouri. Clay, county is where I grew up, and now I need a emergency loan in Missouri for $36000 to buy a big ticket item. It wasn’t easy, but Commerce Bank of Clay County, National Association really came through for me with this loan for 10.2% interest APR and a term of 16 years. I will repay the loan over the 16 year term, including interest. A big thanks to Commerce Bank of Clay County, National Association for giving me a chance and my good credit. It look me 5 years to build my credit to 662, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.
When Isreal was 19, they attempted to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a chronology of Isreal’s previous attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on August 23, 2013
- Attempt 2) Loan for $34,000.00 on January 27, 2011
- Attempt 3) Loan for $29,000.00 on May 27, 2011
- Attempt 4) Loan for $24,000.00 on November 19, 2011
- Attempt 5) Loan for $28,000.00 on November 1, 2009
Previous requests on Isreal’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$39410.00||11||8.3%||$456.27||Camden County Bank||November 8, 2011|
|$38710.00||3||7.5%||$1204.12||Glasgow Savings Bank||April 14, 2013|
|$39420.00||9||8.1%||$515.24||Central Bank||June 30, 2014|
|$38690.00||3||10.1%||$1250.23||Midwest BankCentre||November 4, 2014|
|$38680.00||5||6.7%||$760.45||Commerce Bank of Richmond Heights||March 31, 2015|
6 Months Ago, Isreal Attempted Finding a High Risk Loan for $46,000.00, and it was Easy
There is an well known struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Isreal. Isreal chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Individuals with credit ratings as low as 483 can inquire for a high risk loan and may be be accepted.
Isreal was declined by Allegiant Bank 6 times before being granted funding by Commerce Bank of Clay County, National Association at 110 N.W. Barry Road
On May 29, 2013, Isreal inquired about borrowing $48,000 from Allegiant Bank with Millicent, their friend from just outside Kansas City, and even with the co-signer, Isreal was rejected for this emergency loan. With good credit, it can be challenging to procure funding, even with collateral and a co-signer.
Fast Loans for Isreal in Kansas City, Missouri to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Kansas City, Missouri aren’t actually that difficult to obtain, particularly if you have some gumption like Isreal. Isreal was able to find a fast loan for $36000 from Glasgow Savings Bank and Southwest Bank, An M&I Bank, but declined both offers in favor of their emergency loan from Commerce Bank of Clay County, National Association. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. An improvement in the case that you are in a pinch.
Isreal has a sad current total income, but has a high number of prospects
Isreal has always wanted to be a control center specialist, but would need attend Everest Institute – Southfield again to achieve it. Isreal has other possibilities as well, including zoologist, emergency management specialist, and industrial engineer, which pay $59,000 through to $100,000 per year, at least. For this reason, we think that Isreal can pay for this emergency loan of $36000.
Before applying for this emergency loan, Isreal had an Experian score of 678, which is good, so Commerce Bank of Clay County, National Association likely cannot provide Isreal an emergency loan
- Full name (Changed if requested): Isreal Shutte
- Current Credit: loans.hit.utils.Fico@497470ed
- Current City: Kansas City
- State: Missouri
- Zip code: 64160
- Yearly income: $54,000
- Current Job: field health officer
- Current County: Clay
- Goal Yearly Income: $103,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Personal Loan for a field health officer named Isreal in Kansas City, Missouri to Pay Off OfficeMax Visa Signature Card
Isreal had a tonne of credit card debt on their DISTANCIA Visa and their Avon Old Farms School Visa Card, and they were starting to get in over their heads. Despite Isreal’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 Commerce Bank of Clay County, National Association, the provider of this emergency loan
- Commerce Bank of Clay County, National Association
- City: Kansas City
- State: Missouri
- Address: 110 N.W. Barry Road
- County: Clay
- Zip code: 64155
Conclusion of Isreal’s emergency loan
In the end, Isreal was able to find an emergency loan for $36000 with an interest rate of 9.4% interest APR from Commerce Bank of Clay County, National Association in Kansas City, Missouri repayable over 16 years from today.