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10 Month, Variable Interest High Risk Loan For Ophelia In South Dakota

$84000 High Risk Loan – Fort Pierre South Dakota, Credit Score Of 586

  • Experian: 597 – They had a fair Experian score
  • Transunion: 574 – Ophelia had a fair credit score with Transunion.
  • Equifax: Ophelia’s Experian score was 586, which is a fair credit rating using the Experian system.

Ophelia was rejected by Dakota Prairie Bank 6 times prior to being accepted by First National Bank at 307 E Hustan Ave

On March 10, 2010, Ophelia applied about borrowing $37,000 from Hand County State Bank with Digna, their friend from just outside Fort Pierre, and even with the co-signer, Ophelia was rejected for this high risk loan. With fair credit, it can be challenging to procure funding, even with collateral and a co-signer.

Installment loan for Ophelia, a graduate of South Dakota State University and an art working for over $74,000 per year

Ophelia, an alumnus at South Dakota State University and an art in Fort Pierre, South Dakota needs a high risk loan to purchase a house. Ophelia has instead chosen to get an installment loan for $22,000 and is currently seeking lenders like American Bank & Trust to process their request.

When Ophelia was 22, they tried to obtain a student loan from 7 different banks, which harmed their credit score. Below is a chronology of Ophelia’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on March 29, 2012
  • Attempt 2) Loan for $38,000.00 on March 31, 2010
  • Attempt 3) Loan for $33,000.00 on December 30, 2008
  • Attempt 4) Loan for $23,000.00 on October 4, 2012
  • Attempt 5) Loan for $21,000.00 on January 22, 2011
  • Attempt 6) Loan for $38,000.00 on May 18, 2009
  • Attempt 7) Loan for $22,000.00 on April 4, 2009

Personal Loan for an art named Ophelia in Fort Pierre, South Dakota to Pay Off First State Bank MasterCard Business Platinum Card

Ophelia had a tonne of credit card debt on their PartnersFirst Rewards Visa Credit Card and their Victoria’s Secret Angel Credit Card, and they were starting to get in over their heads. Despite Ophelia’s job as an art, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Ophelia for this high risk loan of $84000, provided by First National Bank

Hi, I am Ophelia and my hometown is Fort Pierre in South Dakota. Stanley, county is where I grew up, and now I need a high risk loan in South Dakota for $84000 to buy a big ticket item. It wasn’t easy, but First National Bank really came through for me with this loan for 10.1% interest APR and a term of 10 years. I can repay the loan over the 10 year term, including interest. A big thanks to First National Bank for giving me a chance and my fair credit. It look me 8 years to build my credit to 586, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Previous requests on Ophelia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$126160.00 6 5.8% $2078.95 The Peoples Bank March 29, 2013
$126480.00 3 6.1% $3853.5 First State Bank of Claremont August 31, 2014
$126190.00 3 7.1% $3902.15 Security State Bank September 29, 2014
$125850.00 11 10.8% $1633.13 First Western Bank June 30, 2015
$125620.00 11 7.3% $1387.1 Western Dakota Bank August 19, 2015

Signature Loan acquired in Fort Pierre, South Dakota for $84000 with fair credit by Ophelia

A lot of borrowers struggle with finding signature loans in Fort Pierre, South Dakota, and Ophelia is no exception. Ophelia went to 5 lenders or more prior to finding First National Bank, who offered Ophelia a signature loan for $84000. Most signature loans simply require a client, like Ophelia’s signature to get them, up to $23,000 in some cases. Ophelia was able to get $84000 as a high risk loan, which is very high for a high risk loan. Since signature loans do not require collateral, they tend to require higher credit, as high as 739

Ophelia’s Transunion score was altered by the high risk loan loan, changing to 574 from 586, which is typical in our experience.

Transunion Score: 574

Client Profile: Ophelia Kelln of Fort Pierre, South Dakota
  • Full name (Changed if requested): Ophelia Kelln
  • Current Credit: loans.hit.utils.Fico@ba8a1dc
  • Current City: Fort Pierre
  • State: South Dakota
  • Zip code: 57534
  • Yearly income: $31,000
  • Current Job: art
  • Current County: Stanley
  • Goal Yearly Income: $130,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Fast Loans for Ophelia in Fort Pierre, South Dakota to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Fort Pierre, South Dakota aren’t actually that difficult to obtain, especially if you have some gumption like Ophelia. Ophelia was able to find a fast loan for $84000 from First State Bank and Farmers and Merchants Bank, but turned down both offers in favor of their high risk loan from First National Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. An improvement if a borrower is in a pinch.

Ophelia has a disappointing current yearly income, but has a large amount of prospects

Ophelia has always wanted to be a custom tailor, but would need attend South Dakota State University again to achieve it. Ophelia has other prospects as well, including transit and railroad police, pediatric dentist, and crop workers supervisor, which pay $50,000 through to $98,000 per year, at least. Because of this, we think that Ophelia can afford this high risk loan of $84000.

Many previous requests for credit have been made by Ophelia in the past, including one from Bank of Houston in Fort Pierre, South Dakota before Ophelia was accepted for the $84000 by First National Bank

Ophelia made 6 previous attempts to obtain a high risk loan, 2 of which were with Bank of Houston, a lender in Fort Pierre, South Dakota known to specialize in high risk loans specifically. Prior to finding First National Bank, Ophelia was very concerned due to their inexperience and fair credit rating.

Contact Details for First National Bank, the provider of this high risk loan

  • First National Bank
  • City: Fort Pierre
  • State: South Dakota
  • Address: 307 E Hustan Ave
  • County: Stanley
  • Zip code: 57532

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

Most debt consolidation loans range from $24,000.00 to $46,000.00. They are mainly used to pay off existing high interest loans like credit cards. Ophelia needed a debt consolidation loan to pay for their existing high risk loan and their loan shark loan. Ophelia was able to find a high risk loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.5%.

7 Months Ago, Ophelia Attempted to Find a High Risk Loan for $44,000.00, and it was Easy

There is an well known struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Ophelia. Ophelia chose not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Clients with credit ratings as low as 579 can apply for a high risk loan and have a chance to be approved.

Before applying for this high risk loan, Ophelia had an Experian score of 597, which is fair, so First National Bank most likely can provide Ophelia a high risk loan

Experian Score: 597

Ophelia’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their art job and their future job as a custom tailor

Fico Score: 586

Conclusion of Ophelia’s high risk loan

In the end, Ophelia was able to find a high risk loan for $84000 with an interest rate of 11.8% interest APR from First National Bank in Fort Pierre, South Dakota repayable over 10 years from today.

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.