$72000 Consolidation Loan – Hazelwood Missouri, Credit Score Of 619
- Experian: 637 – This individual had a good Experian score
- Transunion: 601 – Gaynell had a good credit rating with Transunion.
- Equifax: Gaynell’s Experian score was 619, which is a good credit rating with the Experian system.
Gaynell’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their industrial air pollution analyst job and their future job as a child life specialist
Gaynell was not approved by Southern Commercial Bank 6 times prior to being approved by Bremen Bank and Trust Company at 700 James S Mcdonnell Boulevard
On April 29, 2010, Gaynell applied about borrowing $9,000 from Normandy Bank with Dimple, their in law from just outside Hazelwood, and even with the co-signer, Gaynell was rejected for this consolidation loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.
Contact Details for Bremen Bank and Trust Company, the provider of this consolidation loan
- Bremen Bank and Trust Company
- City: Hazelwood
- State: Missouri
- Address: 700 James S Mcdonnell Boulevard
- County: St. Louis
- Zip code: 63042
Many previous requests for credit have been made by Gaynell in the past, including one from Bank One, Kentucky, National Association in Hazelwood, Missouri before Gaynell was approved for the $72000 by Bremen Bank and Trust Company
Gaynell made 5 previous tries to obtain a consolidation loan, 2 of which were with Bank One, Kentucky, National Association, a bank in Hazelwood, Missouri known to specialize in consolidation loans specifically. Prior to finding Bremen Bank and Trust Company, Gaynell was very concerned due to their inexperience and good credit score.
Installment loan for Gaynell, a graduate of Texas Woman’s University and an industrial air pollution analyst working for over $63,000 per year
Gaynell, an alumnus at Texas Woman’s University and an industrial air pollution analyst in Hazelwood, Missouri wants a consolidation loan to purchase a house. Gaynell has instead chosen to obtain an installment loan for $4,000 and is at present seeking lenders like Jefferson-Gravois Bank of St. Louis to process their request.
- Full name (Changed if requested): Gaynell Novo
- Current Credit: loans.hit.utils.Fico@1cf4f579
- Current City: Hazelwood
- State: Missouri
- Zip code: 63051
- Yearly income: $49,000
- Current Job: industrial air pollution analyst
- Current County: St. Louis
- Goal Yearly Income: $82,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $0
Previous requests on Gaynell’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$147220.00||11||10.2%||$1859.88||Camden County Bank||November 29, 2010|
|$147330.00||10||8.1%||$1795.31||Glasgow Savings Bank||September 27, 2011|
|$146520.00||10||8.2%||$1793.21||Central Bank||November 9, 2012|
|$147480.00||5||8.1%||$2997.43||Midwest BankCentre||March 15, 2014|
Paraphrased and Standardized Quote from Gaynell for this consolidation loan of $72000, provided by Bremen Bank and Trust Company
Hello, I am Gaynell and I’m from Hazelwood in Missouri. St. Louis, county is where I grew up, and now I need a consolidation loan in Missouri for $72000 to pay bills. It wasn’t easy, but Bremen Bank and Trust Company really came through for me with this loan for 10.6% interest APR and a term of 6 years. I will repay the loan over the 6 year term, including interest. A big thanks to Bremen Bank and Trust Company for giving me a chance and my good credit. It look me 8 years to build my credit to 619, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.
9 Months Ago, Gaynell Tried Finding a High Risk Loan for $37,000.00, and it was Easy
There is an existing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Gaynell. Gaynell decided not to obtain a high risk loan this time. High Risk loans are given to very low credit borrowers. Individuals with credit ratings as low as 400 can inquire for a high risk loan and have a chance to be accepted.
When Gaynell was 24, they tried to obtain a student loan from 6 alternate lenders, which damaged their credit score. Below is a chronology of Gaynell’s previous attempts at finding a student loan:
- Attempt 1) Loan for $39,000.00 on April 28, 2012
- Attempt 2) Loan for $36,000.00 on March 18, 2009
- Attempt 3) Loan for $20,000.00 on June 5, 2013
- Attempt 4) Loan for $34,000.00 on June 7, 2011
- Attempt 5) Loan for $39,000.00 on July 7, 2010
- Attempt 6) Loan for $25,000.00 on March 29, 2013
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $38,000.00 to $50,000.00. They are mainly used to pay off existing high interest loans like credit cards. Gaynell required a debt consolidation loan to pay for their existing consolidation loan and their credit card. Gaynell was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic 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 4.3%.
Signature Loan acquired in Hazelwood, Missouri for $72000 with good credit by Gaynell
A lot of borrowers have difficulty with obtaining signature loans in Hazelwood, Missouri, and Gaynell is no different. Gaynell went to 5 lenders or more before settling on Bremen Bank and Trust Company, who offered Gaynell a signature loan for $72000. Most signature loans simply need a client, like Gaynell’s signature to obtain them, up to $35,000 in some cases. Gaynell was able to get $72000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not need collateral, they generally require higher credit, as high as 770
Personal Loan for an industrial air pollution analyst named Gaynell in Hazelwood, Missouri to Pay Off Abercrombie & Fitch Credit Card
Gaynell had a tonne of credit card debt on their Golf Magazine Rewards Visa Card and their The Ritz-Carlton Rewards Credit Card, and they were starting to get in over their heads. Despite Gaynell’s job as an industrial air pollution analyst, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Before applying for this consolidation loan, Gaynell had an Experian score of 637, which is good, so Bremen Bank and Trust Company probably cannot provide Gaynell a consolidation loan
Fast Loans for Gaynell in Hazelwood, Missouri to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Hazelwood, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Gaynell. Gaynell was able to find a fast loan for $72000 from Boatmen’s Bank of Webster Groves and Central West End Bank, but declined both offers in favor of their consolidation loan from Bremen Bank and Trust Company. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement in the case that a client is in a pinch.
Gaynell’s Transunion score was altered by the consolidation loan loan, changing to 601 from 619, which is typical in our experience.
Gaynell has a low current yearly income, but has a large amount of prospects
Gaynell has always wanted to be a child life specialist, but would need attend Texas Woman’s University again to achieve it. Gaynell has other possibilities as well, including postal service mail sorter, real estate assessor, and paste-up worker, which pay $54,000 through to $104,000 per year, on average. For this reason, we believe that Gaynell can afford this consolidation loan of $72000.
Conclusion of Gaynell’s consolidation loan
In the end, Gaynell was able to find a consolidation loan for $72000 with an interest rate of 7.6% interest APR from Bremen Bank and Trust Company in Hazelwood, Missouri repayable over 6 years from today.