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Ellis Waddick’s Same Day Loan For 21000 Dollars In Salt Lake City Utah

$21000 Same Day Loan – Salt Lake City Utah, Credit Rating Of 527

  • Experian: 546 – This individual had a fair Experian score
  • Transunion: 514 – Ellis had a fair credit rating with Transunion.
  • Equifax: Ellis’s Experian score was 527, which is a fair credit score with the Experian scale.

Fast Loans for Ellis in Salt Lake City, Utah to prevent bankruptcy or harm from debt collectors.

Fast loans in Salt Lake City, Utah aren’t actually that difficult to obtain, particularly if you have some gumption like Ellis. Ellis was able to find a fast loan for $21000 from First Security State Bank and The First National Bank of Layton, but declined both offers in favor of their same day loan from Union Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. An improvement if a borrower is in a time sensitive situation.

Multiple past requests for credit have been made by Ellis in the past, including one from Bank of A. Levy in Salt Lake City, Utah before Ellis was accepted for the $21000 by Union Bank

Ellis made 5 previous tries to obtain a same day loan, 2 of which were with Bank of A. Levy, a bank in Salt Lake City, Utah known to specialize in same day loans specifically. Before finding Union Bank, Ellis was concerned due to their inexperience and fair credit rating.

Previous requests on Ellis’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$144180.00 11 6.6% $1539.2 Bank of Ephraim July 5, 2013
$144420.00 5 8.1% $2935.23 Gunnison Valley Bank December 11, 2014
$143690.00 10 5.1% $1531.09 The Helper State Bank July 7, 2015
$144490.00 6 10.8% $2735.46 Barnes Banking Company July 10, 2015

7 Months Ago, Ellis Attempted to Find a High Risk Loan for $31,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Ellis. Ellis decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Borrowers with credit scores as low as 482 can apply for a high risk loan and possibly can be approved.

Paraphrased and Standardized Quote from Ellis for this same day loan of $21000, provided by Union Bank

Hello, I am Ellis and I’m from Salt Lake City in Utah. Salt Lake, county is where I grew up, and now I need a same day loan in Utah for $21000 to avoid bankruptcy. It wasn’t easy, but Union Bank really came through for me with this loan for 5.7% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to Union Bank for giving me a chance and my fair credit. It look me 7 years to build my credit to 527, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.

Ellis has a very low current total income, but has several of prospects

Ellis has always wanted to be a dermatologist, but would have to attend Wilkes University again to become one. Ellis has other prospects as well, including file clerk, radio & tv sports announcer, and industrial-organizational psychologist, which pay $54,000 through to $93,000 per year, on average. Because of this, we believe that Ellis can afford this same day loan of $21000.

Personal Loan for a speech pathologist named Ellis in Salt Lake City, Utah to Pay Off Torrid Insider Credit Card

Ellis had a lot of credit card debt on their Navy FCU GO REWARDS and their USAA World MasterCard Credit Card, and they were starting to get in over their heads. Despite Ellis’s job as a speech pathologist, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $36,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Ellis required a debt consolidation loan to pay for their existing same day loan and their payday loan. Ellis was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your dirty, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.8%.

Ellis was rejected by The Helper State Bank 5 times prior to being approved by Union Bank at 515 South 7th, East

On May 5, 2009, Ellis applied about borrowing $18,000 from Tracy-Collins Bank and Trust Company with Lindsy, their friend from just outside Salt Lake City, and even with the co-signer, Ellis was rejected for this same day loan. With fair credit, it can be very hard to procure financing, even with collateral and a co-signer.

Ellis’s Overall FICO score at the time of acceptance for a same day loan, taking into account their speech pathologist job and their future career as a dermatologist

Fico Score: 527

Installment loan for Ellis, a graduate of Wilkes University and a speech pathologist working for over $77,000 per year

Ellis, an alumnus at Wilkes University and a speech pathologist in Salt Lake City, Utah needs a same day loan to purchase a house. Ellis has instead decided to obtain an installment loan for $3,000 and is at present seeking lenders like Bountiful State Bank to process their request.

Before applying for this same day loan, Ellis had an Experian score of 546, which is fair, so Union Bank probably cannot provide Ellis a same day loan

Experian Score: 546

Contact Details for Union Bank, the provider of this same day loan

  • Union Bank
  • City: Salt Lake City
  • State: Utah
  • Address: 515 South 7th, East
  • County: Salt Lake
  • Zip code: 84147
Client Profile: Ellis Waddick of Salt Lake City, Utah
  • Full name (Changed if requested): Ellis Waddick
  • Current Credit: loans.hit.utils.Fico@52d455b8
  • Current City: Salt Lake City
  • State: Utah
  • Zip code: 84150
  • Yearly income: $33,000
  • Current Job: speech pathologist
  • Current County: Salt Lake
  • Goal Yearly Income: $133,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Signature Loan easily acquired in Salt Lake City, Utah for $21000 with fair credit by Ellis

Many prospective borrowers struggle with obtaining signature loans in Salt Lake City, Utah, and Ellis is not an exception. Ellis went to 4 lending institutions or more prior to finding Union Bank, who offered Ellis a signature loan for $21000. Most signature loans simply need a client, like Ellis’s signature to obtain them, up to $29,000 in some cases. Ellis was able to get $21000 as a same day loan, which is very high for a same day loan. Because signature loans don’t need collateral, these loans generally require improved credit, as high as 786

When Ellis was 20, they tried to obtain a student loan from 5 alternate banks, which damaged their credit rating. Below is a list of Ellis’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on March 7, 2013
  • Attempt 2) Loan for $24,000.00 on November 22, 2009
  • Attempt 3) Loan for $32,000.00 on June 22, 2011
  • Attempt 4) Loan for $39,000.00 on September 4, 2012
  • Attempt 5) Loan for $26,000.00 on December 13, 2010

Ellis’s Transunion score was changed by the same day loan loan, changing to 514 from 527, which is typical in our experience.

Transunion Score: 514

Conclusion of Ellis’s same day loan

In the end, Ellis was able to find a same day loan for $21000 with an interest rate of 5.7% interest APR from Union Bank in Salt Lake City, Utah repayable over 3 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.