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Quick Loan For $123000 Near 60033, Illinois With A Credit Score Of 358

$123000 Quick Loan – Harvard Illinois, Credit Rating Of 358

  • Experian: 370 – This client had a terrible Experian score
  • Transunion: 345 – Kelley had a terrible credit score with Transunion.
  • Equifax: Kelley’s Experian score was 358, which is a terrible credit score on the Experian scale.

Several other requests for credit have been made by Kelley in the past, including one from The Merchants National Bank of Newburyport in Harvard, Illinois before Kelley was approved for the $123000 by Castle Bank Harvard, National Association

Kelley made 9 previous attempts to obtain a quick loan, 2 of which were with The Merchants National Bank of Newburyport, a bank in Harvard, Illinois known to specialize in quick loans specifically. Prior to finding Castle Bank Harvard, National Association, Kelley was concerned due to their inexperience and terrible credit rating.

Installment loan for Kelley, a graduate of VA Midwest Health Care Network and a mapping technician working for over $77,000 per year

Kelley, an alumnus at VA Midwest Health Care Network and a mapping technician in Harvard, Illinois needs a quick loan to purchase a new cell phone. Kelley has instead chosen to get an installment loan for $22,000 and is at present seeking lenders like LaSalle Bank NI to process their request.

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $24,000.00 to $49,000.00. They are typically used to pay off existing high interest loans like credit cards. Kelley needed a debt consolidation loan to pay for their existing quick loan and their payday loan. Kelley was able to find a quick loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.1%.

Kelley was rejected by Drexel National Bank 4 times prior to being approved by Castle Bank Harvard, National Association at 201-203 West Diggins Street

On June 9, 2012, Kelley applied about borrowing $37,000 from The Belvidere National Bank and Trust Company with Moriah, their in law from just outside Harvard, and even with the co-signer, Kelley was rejected for this quick loan. With terrible credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Kelley for this quick loan of $123000, provided by Castle Bank Harvard, National Association

Hi, I am Kelley and I’m from Harvard in Illinois. Mchenry, county is where I grew up, and now I need a quick loan in Illinois for $123000 to buy a car. It has been difficult, but Castle Bank Harvard, National Association really came through for me with this loan for 9.4% interest APR and a term of 21 years. I can probably repay the loan over the 21 year term, including interest. A big thanks to Castle Bank Harvard, National Association for trusting me and my terrible credit. It look me 7 years to build my credit to 358, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.

Personal Loan for a mapping technician named Kelley in Harvard, Illinois to Pay Off American Savings Bank Business Edition Visa Card with Absolute Rewards

Kelley had a tonne of credit card debt on their Amalgamated Bank MasterCard Standard and their Astoria Bank Business Edition Visa Card with Absolute Rewards, and they were starting to get in over their heads. Despite Kelley’s job as a mapping technician, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Kelley’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$47730.00 8 11.7% $767.9 The Gerber State Bank June 18, 2011
$48350.00 7 5.5% $694.79 The Belvidere National Bank and Trust Company February 19, 2013
$47710.00 4 7.8% $1160.27 Commerce Bank November 8, 2013
$47700.00 10 11.6% $673.37 Byron Bank April 2, 2014
$47540.00 5 9.1% $989.16 Amalgamated Bank of Chicago December 30, 2014

When Kelley was 23, they attempted to obtain a student loan from 7 different banks, which damaged their credit score. Below is a chronology of Kelley’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on December 11, 2009
  • Attempt 2) Loan for $21,000.00 on October 15, 2009
  • Attempt 3) Loan for $35,000.00 on August 1, 2010
  • Attempt 4) Loan for $39,000.00 on July 24, 2011
  • Attempt 5) Loan for $31,000.00 on June 28, 2012
  • Attempt 6) Loan for $22,000.00 on March 14, 2011
  • Attempt 7) Loan for $20,000.00 on June 28, 2011

Contact Details for Castle Bank Harvard, National Association, the provider of this quick loan

  • Castle Bank Harvard, National Association
  • City: Harvard
  • State: Illinois
  • Address: 201-203 West Diggins Street
  • County: Mchenry
  • Zip code: 60033

Kelley’s Overall FICO score at the time of acceptance for a quick loan, taking into account their mapping technician job and their future career as a foreign student adviser

Fico Score: 358

Before applying for this quick loan, Kelley had an Experian score of 370, which is terrible, so Castle Bank Harvard, National Association probably cannot provide Kelley a quick loan

Experian Score: 370

Fast Loans for Kelley in Harvard, Illinois to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Harvard, Illinois aren’t actually that difficult to obtain, particularly if you have some finesse like Kelley. Kelley was able to find a fast loan for $123000 from Metropolitan Bank and Trust Company and Mercantile National Bank of Chicago, but turned down both offers in favor of their quick loan from Castle Bank Harvard, National Association. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big difference if a borrower is in a time sensitive situation.

6 Months in the Past, Kelley Attempted Finding a High Risk Loan for $48,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Kelley. Kelley decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Borrowers with credit ratings as low as 496 can apply for a high risk loan and have a chance to be accepted.

Kelley has a low current yearly income, but has a high number of prospects

Kelley has always wanted to be a foreign student adviser, but would need attend VA Midwest Health Care Network again to become one. Kelley has other prospects as well, including teachers aide, marine/port engineer, and police officer, which pay $58,000 through to $109,000 per year, at least. For this reason, we think that Kelley can afford this quick loan of $123000.

Signature Loan found in Harvard, Illinois for $123000 with terrible credit by Kelley

Most prospective borrowers have difficulty with obtaining signature loans in Harvard, Illinois, and Kelley is not an exception. Kelley went to 4 lending institutions or more prior to finding Castle Bank Harvard, National Association, who offered Kelley a signature loan for $123000. Most signature loans simply require a client, like Kelley’s signature to get them, up to $36,000 in some cases. Kelley was able to get $123000 as a quick loan, which is very high for a quick loan. Since signature loans do not require a cosigner, these loans tend to require higher credit, as high as 762

Client Profile: Kelley Papi of Harvard, Illinois
  • Full name (Changed if requested): Kelley Papi
  • Current Credit: loans.hit.utils.Fico@37bba400
  • Current City: Harvard
  • State: Illinois
  • Zip code: 60039
  • Yearly income: $42,000
  • Current Job: mapping technician
  • Current County: Mchenry
  • Goal Yearly Income: $85,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Kelley’s Transunion score was altered by the quick loan loan, changing to 345 from 358, which is typical in our experience.

Transunion Score: 345

Conclusion of Kelley’s quick loan

In the end, Kelley was able to find a quick loan for $123000 with an interest rate of 5.5% interest APR from Castle Bank Harvard, National Association in Harvard, Illinois repayable over 21 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.