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Julian Schickel’s Direct Loan For 116000 Dollars In Smithfield North Carolina

$116000 Direct Loan – Smithfield North Carolina, Credit Rating Of 499

  • Experian: 518 – This client had a bad Experian rating
  • Transunion: 485 – Julian had a bad credit rating with Transunion.
  • Equifax: Julian’s Experian score was 499, which is a bad credit score with the Experian rating scheme.

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

Normal debt consolidation loans vary from $29,000.00 to $46,000.00. They are mainly used to pay off existing high interest loans like credit cards. Julian needed a debt consolidation loan to pay for their existing direct loan and their payday loan. Julian was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.6%.

Installment loan for Julian, a graduate of Mitchell Technical Institute and a real estate lawyer working for over $73,000 per year

Julian, an alumnus at Mitchell Technical Institute and a real estate lawyer in Smithfield, North Carolina needs a direct loan to purchase a new cell phone. Julian has instead decided to get an installment loan for $27,000 and is currently seeking lenders like First Charter Bank to process their request.

Signature Loan acquired in Smithfield, North Carolina for $116000 with bad credit by Julian

A lot of prospective borrowers struggle with finding signature loans in Smithfield, North Carolina, and Julian is not an exception. Julian went to 7 lending institutions or more before settling on KS Bank, Inc., who offered Julian a signature loan for $116000. Most signature loans simply need a client, like Julian’s signature to obtain them, up to $25,000 in some cases. Julian was able to get $116000 as a direct loan, which is very high for a direct loan. Because signature loans don’t need a cosigner, these loans tend to need better credit, as high as 715

Before applying for this direct loan, Julian had an Experian score of 518, which is bad, so KS Bank, Inc. probably cannot provide Julian a direct loan

Experian Score: 518

Julian has a disappointing current total income, but has a high number of prospects

Julian has always wanted to be an appeals referee, but would have to attend Mitchell Technical Institute again to achieve it. Julian has other possibilities as well, including elementary school teacher, radio & tv program director, and market research analyst, which pay $55,000 through to $109,000 per year, on average. Because of this, we think that Julian can afford this direct loan of $116000.

7 Months Ago, Julian Tried Finding a High Risk Loan for $38,000.00, 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 originating loan sharks or similar lenders, which can be physically harmful to borrowers like Julian. Julian chose 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 523 can apply for a high risk loan and have a chance to be approved.

Previous requests on Julian’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$140370.00 4 9.3% $3513.14 The Farmers Bank of Seaboard November 13, 2012
$140130.00 7 11.4% $2428.94 The Bank of Raeford June 18, 2013
$140230.00 5 6.6% $2750.33 The Bank of Coleridge April 30, 2014
$140480.00 10 11.6% $1983.13 Farmers Bank of Sunbury July 7, 2014

Several other requests for credit have been made by Julian in the past, including one from The Delaware National Bank of Delhi in Smithfield, North Carolina before Julian was accepted for the $116000 by KS Bank, Inc.

Julian made 8 prior attempts to obtain a direct loan, 2 of which were with The Delaware National Bank of Delhi, a lending institution in Smithfield, North Carolina known to specialize in direct loans specifically. Before finding KS Bank, Inc., Julian was very concerned due to their inexperience and bad credit rating.

When Julian was 20, they tried to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a list of Julian’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on February 8, 2009
  • Attempt 2) Loan for $38,000.00 on February 11, 2011
  • Attempt 3) Loan for $30,000.00 on January 21, 2009
  • Attempt 4) Loan for $28,000.00 on December 27, 2013
  • Attempt 5) Loan for $37,000.00 on June 19, 2012
  • Attempt 6) Loan for $24,000.00 on January 15, 2009

Fast Loans for Julian in Smithfield, North Carolina to prevent bankruptcy or harm from debt collectors.

Fast loans in Smithfield, North Carolina aren’t actually that difficult to obtain, especially if you have some finesse like Julian. Julian was able to find a fast loan for $116000 from First Charter Bank and The First National Bank of Albemarle, but turned down both offers in favor of their direct loan from KS Bank, Inc.. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement if a borrower is in a time sensitive situation.

Julian’s Transunion score was altered by the direct loan loan, changing to 485 from 499, which is normal in our experience.

Transunion Score: 485

Julian’s Overall FICO score at the time of acceptance for a direct loan, taking into account their real estate lawyer job and their future job as an appeals referee

Fico Score: 499

Contact Details for KS Bank, Inc., the provider of this direct loan

  • KS Bank, Inc.
  • City: Smithfield
  • State: North Carolina
  • Address: 1031 Brightleaf Boulevard
  • County: Johnston
  • Zip code: 27577

Personal Loan for a real estate lawyer named Julian in Smithfield, North Carolina to Pay Off CFCU Credit Union Visa Chadwicks Fashion Points Visa Card

Julian had a tonne of credit card debt on their Thomasville Furniture Credit Card and their Express Next Credit Card, and they were starting to get in over their heads. Despite Julian’s job as a real estate lawyer, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Julian for this direct loan of $116000, provided by KS Bank, Inc.

Hi, I am Julian and I am from Smithfield in North Carolina. Johnston, county is where I grew up, and now I need a direct loan in North Carolina for $116000 to buy a big ticket item. It has been difficult, but KS Bank, Inc. really came through for me with this loan for 8.5% interest APR and a term of 17 years. I will repay the loan over the 17 year term, including interest. A big thanks to KS Bank, Inc. for trusting me and my bad credit. It look me 8 years to build my credit to 499, and I won’t harm it any future. I am pleased with Find Texas Loans for helping me this far.

Julian was not approved by Central Carolina Bank and Trust Company 4 times prior to being accepted by KS Bank, Inc. at 1031 Brightleaf Boulevard

On April 15, 2013, Julian applied about borrowing $36,000 from First Charter Bank with Maricruz, their friend from just outside Smithfield, and even with the co-signer, Julian was rejected for this direct loan. With bad credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Client Profile: Julian Schickel of Smithfield, North Carolina
  • Full name (Changed if requested): Julian Schickel
  • Current Credit: loans.hit.utils.Fico@1ddc4ec2
  • Current City: Smithfield
  • State: North Carolina
  • Zip code: 27586
  • Yearly income: $35,000
  • Current Job: real estate lawyer
  • Current County: Johnston
  • Goal Yearly Income: $137,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Conclusion of Julian’s direct loan

In the end, Julian was able to find a direct loan for $116000 with an interest rate of 6.0% interest APR from KS Bank, Inc. in Smithfield, North Carolina repayable over 17 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.