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$152000 Emergency Loan With Excellent Credit In Granite City Illinois

$152000 Emergency Loan – Granite City Illinois, Credit Score Of 823

  • Experian: 838 – The client had an excellent Experian rating
  • Transunion: 808 – Phyliss had an excellent credit rating with Transunion.
  • Equifax: Phyliss’s Experian score was 823, which is an excellent credit score using the Experian system.

9 Months Ago, Phyliss Tried Finding a High Risk Loan for $42,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for borrowers to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Phyliss. Phyliss chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Clients with credit ratings as low as 308 can apply for a high risk loan and may be be accepted.

Fast Loans for Phyliss in Granite City, Illinois to prevent bankruptcy or harm from debt collectors.

Fast loans in Granite City, Illinois aren’t actually that difficult to obtain, especially if you have some gumption like Phyliss. Phyliss was able to find a fast loan for $152000 from The Gerber State Bank and Amalgamated Bank of Chicago, but turned down both offers in favor of their emergency loan from American Heritage Bank of Granite City. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. Much better if you are on the go.

Previous requests on Phyliss’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$83740.00 3 10.3% $2713.86 The Gerber State Bank June 24, 2010
$84340.00 4 6.6% $2004.01 The Belvidere National Bank and Trust Company December 3, 2010
$84480.00 3 5.3% $2543.34 Commerce Bank March 28, 2011
$83600.00 10 6.5% $949.26 Byron Bank April 28, 2012
$84410.00 11 7.3% $932.06 Amalgamated Bank of Chicago May 21, 2014

Before applying for this emergency loan, Phyliss had an Experian score of 838, which is excellent, so American Heritage Bank of Granite City likely cannot provide Phyliss an emergency loan

Experian Score: 838

Multiple past requests for credit have been made by Phyliss in the past, including one from First American National Bank of Obion County in Granite City, Illinois before Phyliss was accepted for the $152000 by American Heritage Bank of Granite City

Phyliss made 5 prior attempts to obtain an emergency loan, 2 of which were with First American National Bank of Obion County, a lending institution in Granite City, Illinois known to specialize in emergency loans specifically. Prior to finding American Heritage Bank of Granite City, Phyliss was concerned due to their inexperience and excellent credit score.

Phyliss’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their family caseworker job and their future job as a food batchmaker

Fico Score: 823

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $25,000.00 to $45,000.00. They are typically used to pay off existing high interest loans like credit cards. Phyliss needed a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Phyliss was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.1%.

Installment loan for Phyliss, a graduate of The University of Tennessee – Knoxville and a family caseworker working for over $69,000 per year

Phyliss, an alumnus at The University of Tennessee – Knoxville and a family caseworker in Granite City, Illinois wants an emergency loan to purchase a car. Phyliss has instead decided to obtain an installment loan for $2,000 and is currently seeking lenders like Mercantile National Bank of Chicago to process their request.

Paraphrased and Standardized Quote from Phyliss for this emergency loan of $152000, provided by American Heritage Bank of Granite City

Hi, I am Phyliss and I’m from Granite City in Illinois. Madison, county is where I grew up, and now I need a emergency loan in Illinois for $152000 to pay bills. It has been difficult, but American Heritage Bank of Granite City really came through for me with this loan for 6.8% interest APR and a term of 16 years. I will repay the loan over the 16 year term, including interest. A big thanks to American Heritage Bank of Granite City for trusting me and my excellent credit. It look me 9 years to build my credit to 823, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.

Phyliss’s Transunion score was changed by the emergency loan loan, changing to 808 from 823, which is normal in our experience.

Transunion Score: 808

Phyliss was declined by State Bank of Clearing 4 times before being accepted by American Heritage Bank of Granite City at Nameoki At Fehling Road

On June 27, 2009, Phyliss applied about borrowing $36,000 from Commerce Bank of Woodford County, National Association with Velvet, their friend from just outside Granite City, and even with the co-signer, Phyliss was rejected for this emergency loan. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.

Personal Loan for a family caseworker named Phyliss in Granite City, Illinois to Pay Off First Command Bank Platinum Visa Card

Phyliss had a lot of credit card debt on their Atlantic Stewardship Bank Visa Business Bonus Rewards PLUS Card and their Store Card, and they were starting to get in over their heads. Despite Phyliss’s job as a family caseworker, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Phyliss Depuy of Granite City, Illinois
  • Full name (Changed if requested): Phyliss Depuy
  • Current Credit: loans.hit.utils.Fico@19e1023e
  • Current City: Granite City
  • State: Illinois
  • Zip code: 62042
  • Yearly income: $56,000
  • Current Job: family caseworker
  • Current County: Madison
  • Goal Yearly Income: $98,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Contact Details for American Heritage Bank of Granite City, the provider of this emergency loan

  • American Heritage Bank of Granite City
  • City: Granite City
  • State: Illinois
  • Address: Nameoki At Fehling Road
  • County: Madison
  • Zip code: 62040

When Phyliss was 20, they attempted to obtain a student loan from 4 different banks, which harmed their credit score. Below is a list of Phyliss’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on March 2, 2010
  • Attempt 2) Loan for $30,000.00 on May 11, 2009
  • Attempt 3) Loan for $30,000.00 on October 17, 2008
  • Attempt 4) Loan for $22,000.00 on October 14, 2012

Signature Loan easily acquired in Granite City, Illinois for $152000 with excellent credit by Phyliss

A lot of prospective borrowers struggle with obtaining signature loans in Granite City, Illinois, and Phyliss is the same. Phyliss went to 6 lenders or more prior to finding American Heritage Bank of Granite City, who offered Phyliss a signature loan for $152000. Typical signature loans simply need a client, like Phyliss’s signature to obtain them, up to $38,000 in some cases. Phyliss was able to get $152000 as a emergency loan, which is very high for an emergency loan. Because signature loans do not require collateral, these loans tend to need better credit, as high as 711

Phyliss has a low current gross income, but has several of prospects

Phyliss has always wanted to be a food batchmaker, but would need attend The University of Tennessee – Knoxville again to achieve it. Phyliss has other prospects as well, including computer software technician, foreign exchange trader, and educational administrator, which pay $58,000 through to $93,000 per year, at least. For this reason, we believe that Phyliss can afford this emergency loan of $152000.

Conclusion of Phyliss’s emergency loan

In the end, Phyliss was able to find an emergency loan for $152000 with an interest rate of 8.2% interest APR from American Heritage Bank of Granite City in Granite City, Illinois repayable over 16 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.