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5 Month Direct Loan For Christian In Saratoga Wyoming

$48000 Direct Loan – Saratoga Wyoming, Credit Rating Of 761

  • Experian: 772 – The client had an excellent Experian rating
  • Transunion: 747 – Christian had an excellent credit score with Transunion.
  • Equifax: Christian’s Experian score was 761, which is an excellent credit score with the Experian scale.

Fast Loans for Christian in Saratoga, Wyoming to prevent bankruptcy or harm from debt collectors.

Fast loans in Saratoga, Wyoming aren’t actually that difficult to obtain, especially if you have some gumption like Christian. Christian was able to find a fast loan for $48000 from Wells Fargo Bank Wyoming, National Association and Uinta Bank, but turned down both offers in favor of their direct loan from Saratoga State Bank. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement in the case that a borrower is in a pinch.

Signature Loan acquired in Saratoga, Wyoming for $48000 with excellent credit by Christian

A lot of prospective borrowers struggle with finding signature loans in Saratoga, Wyoming, and Christian is the same. Christian went to 6 lenders or more before settling on Saratoga State Bank, who offered Christian a signature loan for $48000. Typical signature loans simply require a client, like Christian’s signature to get them, up to $25,000 in some cases. Christian was able to get $48000 as a direct loan, which is very high for a direct loan. Because signature loans don’t need a cosigner, they generally need improved credit, as high as 721

Previous requests on Christian’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$148110.00 9 10.3% $2109.33 The Jackson State Bank May 4, 2010
$148300.00 10 7.3% $1744.91 FirsTier Bank, Wyoming August 29, 2012
$148300.00 10 6.6% $1691.47 First Interstate Bank July 25, 2013
$148210.00 3 8.2% $4658.05 Saratoga State Bank January 28, 2014

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $35,000.00 to $46,000.00. They are typically used to pay off existing high interest loans like credit cards. Christian needed a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Christian was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.5%.

When Christian was 19, they attempted to obtain a student loan from 4 alternate lenders, which harmed their credit rating. Below is a chronology of Christian’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on February 4, 2012
  • Attempt 2) Loan for $20,000.00 on July 9, 2012
  • Attempt 3) Loan for $26,000.00 on January 16, 2013
  • Attempt 4) Loan for $23,000.00 on July 6, 2011

Multiple past requests for credit have been made by Christian in the past, including one from Commerce Bank, National Association in Saratoga, Wyoming before Christian was approved for the $48000 by Saratoga State Bank

Christian made 5 previous attempts to obtain a direct loan, 2 of which were with Commerce Bank, National Association, a lender in Saratoga, Wyoming known to specialize in direct loans specifically. Prior to finding Saratoga State Bank, Christian was very concerned due to their inexperience and excellent credit score.

Client Profile: Christian Scheffer of Saratoga, Wyoming
  • Full name (Changed if requested): Christian Scheffer
  • Current Credit: loans.hit.utils.Fico@4c98385c
  • Current City: Saratoga
  • State: Wyoming
  • Zip code: 82333
  • Yearly income: $32,000
  • Current Job: customer service supervisor
  • Current County: Carbon
  • Goal Yearly Income: $82,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

7 Months in the Past, Christian Tried Finding a High Risk Loan for $23,000.00, and it was Hard

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 the like, which can be scary to borrowers like Christian. Christian decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Borrowers with credit ratings as low as 481 can inquire for a high risk loan and may be be approved.

Christian was not approved by First National Bank of Green River 7 times before being approved by Saratoga State Bank at 302 North First Street

On January 26, 2009, Christian applied about borrowing $11,000 from First Interstate Bank of Greybull, National Association with Arthur, their in law from just outside Saratoga, and even with the co-signer, Christian was rejected for this direct loan. With excellent credit, it can be difficult to procure funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Christian for this direct loan of $48000, provided by Saratoga State Bank

Hello, I am Christian and I’m from Saratoga in Wyoming. Carbon, county is where I grew up, and now I need a direct loan in Wyoming for $48000 to buy a big ticket item. It wasn’t easy, but Saratoga State Bank really came through for me with this loan for 5.4% interest APR and a term of 24 years. I will repay the loan over the 24 year term, including interest. A big thanks to Saratoga State Bank for trusting me and my excellent credit. It look me 8 years to build my credit to 761, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Christian has a sad current gross income, but has a large amount of prospects

Christian has always wanted to be an internal auditor, but would need attend Oklahoma University Medical Center – Dental Service General Practice Residency 12 Months again to become one. Christian has other possibilities as well, including internal auditor, urban and regional planner, and commercial diver, which pay $59,000 through to $95,000 per year, on average. For this reason, we believe that Christian can pay for this direct loan of $48000.

Christian’s Overall FICO score at the time of acceptance for a direct loan, taking into account their customer service supervisor job and their future job as an internal auditor

Fico Score: 761

Personal Loan for a customer service supervisor named Christian in Saratoga, Wyoming to Pay Off PenFed Platinum Cash Rewards Visa Card

Christian had a lot of credit card debt on their Bergners Rewards Credit Card and their Justice FCU Visa Classic Card, and they were starting to get in over their heads. Despite Christian’s job as a customer service supervisor, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Before applying for this direct loan, Christian had an Experian score of 772, which is excellent, so Saratoga State Bank likely cannot provide Christian a direct loan

Experian Score: 772

Installment loan for Christian, a graduate of Oklahoma University Medical Center – Dental Service General Practice Residency 12 Months and a customer service supervisor working for over $68,000 per year

Christian, an alumnus at Oklahoma University Medical Center – Dental Service General Practice Residency 12 Months and a customer service supervisor in Saratoga, Wyoming needs a direct loan to purchase something frivolous. Christian has instead chosen to obtain an installment loan for $28,000 and is currently seeking lenders like First National Bank of Green River to provide it.

Contact Details for Saratoga State Bank, the provider of this direct loan

  • Saratoga State Bank
  • City: Saratoga
  • State: Wyoming
  • Address: 302 North First Street
  • County: Carbon
  • Zip code: 82331

Christian’s Transunion score was changed by the direct loan loan, changing to 747 from 761, which is normal in our experience.

Transunion Score: 747

Conclusion of Christian’s direct loan

In the end, Christian was able to find a direct loan for $48000 with an interest rate of 8.0% interest APR from Saratoga State Bank in Saratoga, Wyoming repayable over 24 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.