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High Risk Loan For $60000 Near 36265, Alabama With A Credit Score Of 733

$60000 High Risk Loan – Jacksonville Alabama, Credit Score Of 733

  • Experian: 743 – This client had an excellent Experian score
  • Transunion: 718 – Kirstin had an excellent credit score with Transunion.
  • Equifax: Kirstin’s Experian score was 733, which is an excellent credit score on the Experian scale.

Kirstin’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their student financial aid administrator job and their future career as a real estate appraiser

Fico Score: 733

Installment loan for Kirstin, a graduate of Cambridge College and a student financial aid administrator working for over $64,000 per year

Kirstin, an alumnus at Cambridge College and a student financial aid administrator in Jacksonville, Alabama wants a high risk loan to purchase something frivolous. Kirstin has instead chosen to get an installment loan for $21,000 and is currently seeking lenders like Bank of Evergreen to process their request.

Personal Loan for a student financial aid administrator named Kirstin in Jacksonville, Alabama to Pay Off The Ritz-Carlton Rewards Credit Card

Kirstin had a tonne of credit card debt on their University Credit Union Classic MasterCard and their RBC Visa Infinite Avion, and they were starting to get in over their heads. Despite Kirstin’s job as a student financial aid administrator, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for AmSouth Bank of Jacksonville, the provider of this high risk loan

  • AmSouth Bank of Jacksonville
  • City: Jacksonville
  • State: Alabama
  • Address: 100 North Pelham Road
  • County: Calhoun
  • Zip code: 36265
Client Profile: Kirstin Baseley of Jacksonville, Alabama
  • Full name (Changed if requested): Kirstin Baseley
  • Current Credit: loans.hit.utils.Fico@1ed6993a
  • Current City: Jacksonville
  • State: Alabama
  • Zip code: 36267
  • Yearly income: $53,000
  • Current Job: student financial aid administrator
  • Current County: Calhoun
  • Goal Yearly Income: $112,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

6 Months in the Past, Kirstin Attempted to Find a High Risk Loan for $48,000.00, and it was Easy

There is an ongoing struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Kirstin. Kirstin chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Individuals with credit scores as low as 368 can inquire for a high risk loan and possibly can be approved.

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $23,000.00 to $54,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kirstin required a debt consolidation loan to pay for their existing high risk loan and their loan shark loan. Kirstin 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 changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.7%.

Paraphrased and Standardized Quote from Kirstin for this high risk loan of $60000, provided by AmSouth Bank of Jacksonville

Hello, I am Kirstin and I’m from Jacksonville in Alabama. Calhoun, county is where I grew up, and now I need a high risk loan in Alabama for $60000 to buy a big ticket item. It has been difficult, but AmSouth Bank of Jacksonville really came through for me with this loan for 11.3% interest APR and a term of 18 years. I can repay the loan over the 18 year term, including interest. A big thanks to AmSouth Bank of Jacksonville for trusting me and my excellent credit. It look me 4 years to create my credit to 733, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Many past requests for credit have been made by Kirstin in the past, including one from Bank of Urbana in Jacksonville, Alabama before Kirstin was approved for the $60000 by AmSouth Bank of Jacksonville

Kirstin made 7 previous attempts to obtain a high risk loan, 2 of which were with Bank of Urbana, a bank in Jacksonville, Alabama known to specialize in high risk loans specifically. Prior to finding AmSouth Bank of Jacksonville, Kirstin was concerned due to their inexperience and excellent credit rating.

Before applying for this high risk loan, Kirstin had an Experian score of 743, which is excellent, so AmSouth Bank of Jacksonville most likely cannot provide Kirstin a high risk loan

Experian Score: 743

Previous requests on Kirstin’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$141300.00 10 11.2% $1962.44 AuburnBank September 12, 2012
$140790.00 4 5.4% $3267.87 Bank of the South December 26, 2012
$140580.00 5 11.5% $3091.72 Alabama City Bank of Gadsden, Alabama November 24, 2013
$141430.00 5 5.6% $2708.01 The Exchange Bank, Attalla, Alabama December 17, 2014

Kirstin has a disappointing current total income, but has several of prospects

Kirstin has always wanted to be a real estate appraiser, but would need attend Cambridge College again to achieve it. Kirstin has other possibilities as well, including field health officer, operations management analyst, and gas plant operator, which pay $52,000 through to $104,000 per year, on average. Because of this, we think that Kirstin can afford this high risk loan of $60000.

When Kirstin was 19, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit score. Below is a list of Kirstin’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on December 15, 2009
  • Attempt 2) Loan for $26,000.00 on April 30, 2013
  • Attempt 3) Loan for $38,000.00 on January 20, 2009
  • Attempt 4) Loan for $22,000.00 on August 15, 2009
  • Attempt 5) Loan for $20,000.00 on November 3, 2012
  • Attempt 6) Loan for $32,000.00 on February 16, 2010
  • Attempt 7) Loan for $20,000.00 on October 23, 2010

Fast Loans for Kirstin in Jacksonville, Alabama to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Jacksonville, Alabama aren’t actually that difficult to obtain, especially if you have some finesse like Kirstin. Kirstin was able to find a fast loan for $60000 from The Citizens Bank of Georgiana and The Bank of Berry, but turned down both offers in favor of their high risk loan from AmSouth Bank of Jacksonville. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement in the case that a borrower is in a pinch.

Kirstin was declined by Traders & Farmers Bank 7 times before being granted funding by AmSouth Bank of Jacksonville at 100 North Pelham Road

On October 14, 2008, Kirstin applied about borrowing $14,000 from The Citizens Bank of Winfield with Charles, their friend from just outside Jacksonville, and even with the co-signer, Kirstin was rejected for this high risk loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.

Signature Loan easily acquired in Jacksonville, Alabama for $60000 with excellent credit by Kirstin

Many borrowers struggle with finding signature loans in Jacksonville, Alabama, and Kirstin is no exception. Kirstin went to 8 lending institutions or more before settling on AmSouth Bank of Jacksonville, who offered Kirstin a signature loan for $60000. Most signature loans simply require a client, like Kirstin’s signature to obtain them, up to $32,000 in some cases. Kirstin was able to get $60000 as a high risk loan, which is very high for a high risk loan. Since signature loans do not need a cosigner, they tend to need higher credit, as high as 759

Kirstin’s Transunion score was altered by the high risk loan loan, changing to 718 from 733, which is typical in our experience.

Transunion Score: 718

Conclusion of Kirstin’s high risk loan

In the end, Kirstin was able to find a high risk loan for $60000 with an interest rate of 6.1% interest APR from AmSouth Bank of Jacksonville in Jacksonville, Alabama repayable over 18 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.