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22 Month, Variable Interest High Risk Loan For Filiberto In South Dakota

$12000 High Risk Loan – Gettysburg South Dakota, Credit Score Of 827

  • Experian: 842 – They had an excellent Experian rating
  • Transunion: 812 – Filiberto had an excellent credit score with Transunion.
  • Equifax: Filiberto’s Experian score was 827, which is an excellent credit rating on the Experian scale.

Filiberto has a sad current total income, but has a high number of prospects

Filiberto has always wanted to be a foreign exchange trader, but would need attend University of Phoenix again to become one. Filiberto has other possibilities as well, including technical publications writer, electronic drafter, and public transportation inspector, which pay $55,000 through to $96,000 per year, at least. Because of this, we believe that Filiberto can pay for this high risk loan of $12000.

Several previous requests for credit have been made by Filiberto in the past, including one from First Southern National Bank in Gettysburg, South Dakota before Filiberto was accepted for the $12000 by The First Potter County Bank

Filiberto made 9 prior attempts to obtain a high risk loan, 2 of which were with First Southern National Bank, a lending institution in Gettysburg, South Dakota known to specialize in high risk loans specifically. Prior to finding The First Potter County Bank, Filiberto was very concerned due to their inexperience and excellent credit rating.

9 Months in the Past, Filiberto Tried Finding a High Risk Loan for $31,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Filiberto. Filiberto decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Individuals with credit scores as low as 586 can inquire for a high risk loan and may be be approved.

Personal Loan for an educational psychologist named Filiberto in Gettysburg, South Dakota to Pay Off JC Penney Credit Card

Filiberto had a lot of credit card debt on their Amalgamated Bank MasterCard Standard and their LensCrafters Credit Card, and they were starting to get in over their heads. Despite Filiberto’s job as an educational psychologist, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Filiberto’s Transunion score was changed by the high risk loan loan, changing to 812 from 827, which is typical in our experience.

Transunion Score: 812

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans vary from $31,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Filiberto required a debt consolidation loan to pay for their existing high risk loan and their payday loan. Filiberto was able to find a high risk loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.6%.

When Filiberto was 18, they tried to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a chronology of Filiberto’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on November 13, 2012
  • Attempt 2) Loan for $21,000.00 on July 17, 2013
  • Attempt 3) Loan for $30,000.00 on September 4, 2011
  • Attempt 4) Loan for $27,000.00 on December 12, 2008
  • Attempt 5) Loan for $33,000.00 on February 21, 2011
  • Attempt 6) Loan for $22,000.00 on February 1, 2010
  • Attempt 7) Loan for $28,000.00 on January 1, 2014

Signature Loan acquired in Gettysburg, South Dakota for $12000 with excellent credit by Filiberto

A lot of clients struggle with finding signature loans in Gettysburg, South Dakota, and Filiberto is no exception. Filiberto went to 8 lenders or more before settling on The First Potter County Bank, who offered Filiberto a signature loan for $12000. Typical signature loans simply require a client, like Filiberto’s signature to get them, up to $40,000 in some cases. Filiberto was able to get $12000 as a high risk loan, which is very high for a high risk loan. Because signature loans don’t need collateral, they generally need better credit, as high as 794

Paraphrased and Standardized Quote from Filiberto for this high risk loan of $12000, provided by The First Potter County Bank

Hello, I am Filiberto and I’m from Gettysburg in South Dakota. Potter, county is where I grew up, and now I need a high risk loan in South Dakota for $12000 to avoid bankruptcy. It has been difficult, but The First Potter County Bank really came through for me with this loan for 10.8% interest APR and a term of 22 years. I can probably repay the loan over the 22 year term, including interest. A big thanks to The First Potter County Bank for trusting me and my excellent credit. It look me 9 years to build my credit to 827, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.

Filiberto was declined by Springfield State Bank 6 times prior to being approved by The First Potter County Bank at 104 North Exene Street

On January 25, 2012, Filiberto inquired about borrowing $47,000 from Farmers and Merchants State Bank with Reed, their friend from just outside Gettysburg, and even with the co-signer, Filiberto was rejected for this high risk loan. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.

Client Profile: Filiberto Addie of Gettysburg, South Dakota
  • Full name (Changed if requested): Filiberto Addie
  • Current Credit: loans.hit.utils.Fico@3d71d552
  • Current City: Gettysburg
  • State: South Dakota
  • Zip code: 57451
  • Yearly income: $50,000
  • Current Job: educational psychologist
  • Current County: Potter
  • Goal Yearly Income: $93,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Fast Loans for Filiberto in Gettysburg, South Dakota to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Gettysburg, South Dakota aren’t actually that difficult to obtain, particularly if you have some gumption like Filiberto. Filiberto was able to find a fast loan for $12000 from First State Bank of Claremont and First State Bank, but declined both offers in favor of their high risk loan from The First Potter County Bank. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. An improvement in the case that you are on the go.

Before applying for this high risk loan, Filiberto had an Experian score of 842, which is excellent, so The First Potter County Bank likely cannot provide Filiberto a high risk loan

Experian Score: 842

Filiberto’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their educational psychologist job and their future career as a foreign exchange trader

Fico Score: 827

Previous requests on Filiberto’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$112380.00 5 11.1% $2449.02 The Peoples Bank April 30, 2010
$112360.00 8 6.5% $1504.08 First State Bank of Claremont December 22, 2010
$111700.00 9 8.1% $1459.99 Security State Bank July 14, 2012
$112150.00 6 5.8% $1848.08 First Western Bank May 6, 2013

Installment loan for Filiberto, a graduate of University of Phoenix and an educational psychologist working for over $77,000 per year

Filiberto, an alumnus at University of Phoenix and an educational psychologist in Gettysburg, South Dakota needs a high risk loan to purchase a car. Filiberto has instead decided to obtain an installment loan for $28,000 and is at present seeking lenders like Great Plains Bank to process their request.

Contact Details for The First Potter County Bank, the provider of this high risk loan

  • The First Potter County Bank
  • City: Gettysburg
  • State: South Dakota
  • Address: 104 North Exene Street
  • County: Potter
  • Zip code: 57442

Conclusion of Filiberto’s high risk loan

In the end, Filiberto was able to find a high risk loan for $12000 with an interest rate of 7.6% interest APR from The First Potter County Bank in Gettysburg, South Dakota repayable over 22 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.