$96000 Personal Loan – Lyons Kansas, Credit Rating Of 617
- Experian: 631 – This individual had a good Experian rating
- Transunion: 599 – Veronika had a good credit score with Transunion.
- Equifax: Veronika’s Experian score was 617, which is a good credit score on the Experian scale.
Veronika has a low current gross income, but has several of prospects
Veronika has always wanted to be a loan officer, but would need attend Central Louisiana Technical Community College – Alexandria again to become one. Veronika has other prospects as well, including cartographer, ceiling tile installer, and environmental planner, which pay $59,000 through to $91,000 per year, at least. Because of this, we believe that Veronika can pay for this personal loan of $96000.
Personal Loan for a social service volunteer named Veronika in Lyons, Kansas to Pay Off Executive Women’s Golf Association
Veronika had a tonne of credit card debt on their Gospelville Visa Platinum Rewards Card and their Pittsburgh Pirates BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Veronika’s job as a social service volunteer, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Veronika’s Transunion score was altered by the personal loan loan, changing to 599 from 617, which is normal in our experience.
Installment loan for Veronika, a graduate of Central Louisiana Technical Community College – Alexandria and a social service volunteer working for over $73,000 per year
Veronika, an alumnus at Central Louisiana Technical Community College – Alexandria and a social service volunteer in Lyons, Kansas wants a personal loan to purchase something frivolous. Veronika has instead chosen to obtain an installment loan for $17,000 and is currently seeking lenders like Citizens State Bank to provide it.
Veronika’s Overall FICO score at the time of acceptance for a personal loan, taking into account their social service volunteer job and their future career as a loan officer
Previous requests on Veronika’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$99740.00||5||7.4%||$1993.85||Citizens Bank and Trust Company||January 4, 2010|
|$100470.00||10||6.1%||$1120.48||The Morrill and Janes Bank and Trust Company||May 24, 2012|
|$100270.00||6||9.3%||$1822.39||The Citizens State Bank, Liberal, Kansas||April 5, 2013|
|$100140.00||9||6.4%||$1222.16||Citizens State Bank||February 14, 2014|
Contact Details for The Lyons State Bank, the provider of this personal loan
- The Lyons State Bank
- City: Lyons
- State: Kansas
- Address: 101 East Main Street
- County: Rice
- Zip code: 67554
8 Months Ago, Veronika Tried to Find a High Risk Loan for $20,000.00, and it was Easy
There is an ongoing struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Veronika. Veronika chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Individuals with credit ratings as low as 507 can apply for a high risk loan and have a chance to be accepted.
Signature Loan found in Lyons, Kansas for $96000 with good credit by Veronika
Most prospective borrowers have difficulty with finding signature loans in Lyons, Kansas, and Veronika is no exception. Veronika went to 5 lenders or more before finding The Lyons State Bank, who offered Veronika a signature loan for $96000. Most signature loans simply need a client, like Veronika’s signature to get them, up to $23,000 in some cases. Veronika was able to get $96000 as a personal loan, which is very high for a personal loan. Since signature loans don’t need a cosigner, these loans generally need higher credit, as high as 772
Paraphrased and Standardized Quote from Veronika for this personal loan of $96000, provided by The Lyons State Bank
Hello, I am Veronika and my hometown is Lyons in Kansas. Rice, county is where I grew up, and now I need a personal loan in Kansas for $96000 to renovate my home. It has been difficult, but The Lyons State Bank really came through for me with this loan for 11.3% interest APR and a term of 16 years. I can repay the loan over the 16 year term, including interest. A big thanks to The Lyons State Bank for trusting me and my good credit. It look me 8 years to create my credit to 617, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.
Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans vary from $34,000.00 to $49,000.00. They are mainly used to pay off existing high interest loans like credit cards. Veronika needed a debt consolidation loan to pay for their existing personal loan and their credit card. Veronika was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your bad, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.3%.
When Veronika was 20, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit score. Below is a chronology of Veronika’s previous attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on June 29, 2013
- Attempt 2) Loan for $22,000.00 on February 8, 2012
- Attempt 3) Loan for $32,000.00 on April 23, 2010
- Attempt 4) Loan for $25,000.00 on February 23, 2012
- Attempt 5) Loan for $33,000.00 on May 28, 2009
Fast Loans for Veronika in Lyons, Kansas to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Lyons, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Veronika. Veronika was able to find a fast loan for $96000 from Citizens State Bank and The Kansas State Bank Overbrook Kansas, but turned down both offers in favor of their personal loan from The Lyons State Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement if a borrower is on the go.
Multiple past requests for credit have been made by Veronika in the past, including one from Home Federal Savings and Loan Association of Terre Haute in Lyons, Kansas before Veronika was approved for the $96000 by The Lyons State Bank
Veronika made 9 previous attempts to obtain a personal loan, 2 of which were with Home Federal Savings and Loan Association of Terre Haute, a bank in Lyons, Kansas known to specialize in personal loans specifically. Prior to finding The Lyons State Bank, Veronika was desperate due to their inexperience and good credit rating.
- Full name (Changed if requested): Veronika Whiteis
- Current Credit: loans.hit.utils.Fico@439f5b3d
- Current City: Lyons
- State: Kansas
- Zip code: 67562
- Yearly income: $62,000
- Current Job: social service volunteer
- Current County: Rice
- Goal Yearly Income: $124,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Veronika was rejected by Home State Bank 6 times prior to being approved by The Lyons State Bank at 101 East Main Street
On March 29, 2013, Veronika applied about borrowing $25,000 from Citizens State Bank with Darlena, their friend from just outside Lyons, and even with the co-signer, Veronika was rejected for this personal loan. With good credit, it can be challenging to procure funding, even with collateral and a co-signer.
Before applying for this personal loan, Veronika had an Experian score of 631, which is good, so The Lyons State Bank likely cannot provide Veronika a personal loan
Conclusion of Veronika’s personal loan
In the end, Veronika was able to find a personal loan for $96000 with an interest rate of 11.1% interest APR from The Lyons State Bank in Lyons, Kansas repayable over 16 years from today.