$21000 Emergency Loan – Saint Francis Minnesota, Credit Score Of 647
- Experian: 658 – They had a good Experian score
- Transunion: 628 – Tonda had a good credit rating with Transunion.
- Equifax: Tonda’s Experian score was 647, which is a good credit score on the Experian system.
Many past requests for credit have been made by Tonda in the past, including one from The First National Bank of Martinsville and Henry County in Saint Francis, Minnesota before Tonda was approved for the $21000 by Village Bank
Tonda made 7 previous attempts to obtain an emergency loan, 2 of which were with The First National Bank of Martinsville and Henry County, a lender in Saint Francis, Minnesota known to specialize in emergency loans specifically. Before finding Village Bank, Tonda was desperate due to their inexperience and good credit rating.
Contact Details for Village Bank, the provider of this emergency loan
- Village Bank
- City: Saint Francis
- State: Minnesota
- Address: 3350 Bridge Street
- County: Anoka
- Zip code: 55070
- Full name (Changed if requested): Tonda Stanger
- Current Credit: loans.hit.utils.Fico@1b9e1916
- Current City: Saint Francis
- State: Minnesota
- Zip code: 55077
- Yearly income: $52,000
- Current Job: mail clerk
- Current County: Anoka
- Goal Yearly Income: $137,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Paraphrased and Standardized Quote from Tonda for this emergency loan of $21000, provided by Village Bank
Hello, I am Tonda and my hometown is Saint Francis in Minnesota. Anoka, county is where I grew up, and now I need a emergency loan in Minnesota for $21000 to pay bills. It has been difficult, but Village Bank really came through for me with this loan for 7.5% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Village Bank for giving me a chance and my good credit. It look me 6 years to create my credit to 647, and I won’t harm it any more. I am pleased with Find Texas Loans for assisting me this far.
When Tonda was 23, they tried to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a list of Tonda’s previous attempts at finding a student loan:
- Attempt 1) Loan for $39,000.00 on July 17, 2012
- Attempt 2) Loan for $32,000.00 on February 13, 2012
- Attempt 3) Loan for $26,000.00 on November 13, 2011
- Attempt 4) Loan for $24,000.00 on October 26, 2011
Tonda’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their mail clerk job and their future job as an airport administrator
Tonda was declined by Norwest Bank Sauk Rapids, National Association 6 times before being accepted by Village Bank at 3350 Bridge Street
On August 22, 2009, Tonda inquired about borrowing $28,000 from O’Connor Bros. State Bank of Renville with Emely, their friend from just outside Saint Francis, and even with the co-signer, Tonda was rejected for this emergency loan. With good credit, it can be very hard to obtain financing, even with collateral and a co-signer.
Installment loan for Tonda, a graduate of Pennsylvania School of Business and a mail clerk working for over $72,000 per year
Tonda, an alumnus at Pennsylvania School of Business and a mail clerk in Saint Francis, Minnesota needs an emergency loan to purchase a car. Tonda has instead decided to get an installment loan for $9,000 and is at present seeking lenders like Marquette Bank University, National Association to provide it.
Tonda has a very low current gross income, but has several of prospects
Tonda has always wanted to be an airport administrator, but would have to attend Pennsylvania School of Business again to achieve it. Tonda has other possibilities as well, including medical examiner/coroner, soil conservationist, and film laboratory technician, which pay $56,000 through to $92,000 per year, at least. Because of this, we think that Tonda can afford this emergency loan of $21000.
Signature Loan found in Saint Francis, Minnesota for $21000 with good credit by Tonda
Many borrowers struggle with obtaining signature loans in Saint Francis, Minnesota, and Tonda is no exception. Tonda went to 4 lenders or more prior to settling on Village Bank, who offered Tonda a signature loan for $21000. Typical signature loans simply need a client, like Tonda’s signature to get them, up to $48,000 in some cases. Tonda was able to get $21000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t require a cosigner, they tend to need higher credit, as high as 794
6 Months Ago, Tonda Attempted Finding a High Risk Loan for $39,000.00, but They Didn’t Find What They were Expecting
There is an well known struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Tonda. Tonda chose not to get a high risk loan this time. High Risk loans are given to very low credit applicants. Clients with credit ratings as low as 424 can apply for a high risk loan and possibly can be approved.
Tonda’s Transunion score was changed by the emergency loan loan, changing to 628 from 647, which is typical in our experience.
Personal Loan for a mail clerk named Tonda in Saint Francis, Minnesota to Pay Off Zions Bank MasterCard Credit Card
Tonda had a tonne of credit card debt on their Berkshire Municipal Bank Visa Business Bonus Rewards Card and their Bangor Savings Bank Credit Cards, and they were starting to get in over their heads. Despite Tonda’s job as a mail clerk, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans range from $24,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Tonda needed a debt consolidation loan to pay for their existing emergency loan and their credit card. Tonda was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.3%.
Previous requests on Tonda’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$92840.00||9||5.4%||$1087.27||Marquette Bank Cannon Falls||May 2, 2010|
|$93340.00||7||10.8%||$1588.41||Root River State Bank||July 12, 2012|
|$93410.00||6||7.7%||$1624.13||Clinton State Bank||May 2, 2013|
|$93150.00||8||8.8%||$1355.02||Peoples State Bank of Plainview||November 2, 2014|
|$93440.00||5||9.7%||$1971.56||Security State Bank of Wykoff||January 10, 2015|
Before applying for this emergency loan, Tonda had an Experian score of 658, which is good, so Village Bank likely cannot provide Tonda an emergency loan
Fast Loans for Tonda in Saint Francis, Minnesota to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Saint Francis, Minnesota aren’t actually that difficult to obtain, particularly if you have some gumption like Tonda. Tonda was able to find a fast loan for $21000 from State Bank of Park Rapids and Lakeland State Bank, but declined both offers in favor of their emergency loan from Village 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 5 weeks for debt consolidation loans. An improvement if you are in a time sensitive situation.
Conclusion of Tonda’s emergency loan
In the end, Tonda was able to find an emergency loan for $21000 with an interest rate of 7.1% interest APR from Village Bank in Saint Francis, Minnesota repayable over 14 years from today.