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$26000 Personal Loan In Lebanon Missouri With Credit Score 673 For Temple

$26000 Personal Loan – Lebanon Missouri, Credit Rating Of 673

  • Experian: 690 – This client had a good Experian score
  • Transunion: 659 – Temple had a good credit score with Transunion.
  • Equifax: Temple’s Experian score was 673, which is a good credit rating on the Experian system.

Installment loan for Temple, a graduate of Community Enhancement Services – CES College and a database administrator working for over $64,000 per year

Temple, an alumnus at Community Enhancement Services – CES College and a database administrator in Lebanon, Missouri wants a personal loan to purchase a new cell phone. Temple has instead decided to obtain an installment loan for $24,000 and is currently seeking lenders like The Bank of Versailles to process their request.

Signature Loan found in Lebanon, Missouri for $26000 with good credit by Temple

A lot of borrowers struggle with obtaining signature loans in Lebanon, Missouri, and Temple is the same. Temple went to 5 lending institutions or more before settling on United Savings Bank, who offered Temple a signature loan for $26000. Typical signature loans simply require a client, like Temple’s signature to get them, up to $26,000 in some cases. Temple was able to get $26000 as a personal loan, which is very high for a personal loan. Since signature loans do not require a cosigner, these loans generally require improved credit, as high as 739

Temple has a very low current total income, but has several of prospects

Temple has always wanted to be a sales representative, but would have to attend Community Enhancement Services – CES College again to achieve it. Temple has other prospects as well, including craft artist, employment administrator, and truck driver, which pay $56,000 through to $98,000 per year, at least. For this reason, we believe that Temple can afford this personal loan of $26000.

Contact Details for United Savings Bank, the provider of this personal loan

  • United Savings Bank
  • City: Lebanon
  • State: Missouri
  • Address: Jefferson At 2nd
  • County: Laclede
  • Zip code: 65536

Temple was not approved by Cass Commercial Bank 5 times before being granted funding by United Savings Bank at Jefferson At 2nd

On May 13, 2010, Temple inquired about borrowing $23,000 from Mercantile Bank of West Central Missouri with Marcelino, their friend from just outside Lebanon, and even with the co-signer, Temple was rejected for this personal loan. With good credit, it can be difficult to procure funding, even with collateral and a co-signer.

Temple’s Transunion score was altered by the personal loan loan, changing to 659 from 673, which is normal in our experience.

Transunion Score: 659

When Temple was 24, they attempted to obtain a student loan from 5 different banks, which damaged their credit score. Below is a list of Temple’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on December 30, 2009
  • Attempt 2) Loan for $22,000.00 on December 18, 2008
  • Attempt 3) Loan for $28,000.00 on August 7, 2013
  • Attempt 4) Loan for $33,000.00 on June 24, 2009
  • Attempt 5) Loan for $35,000.00 on June 12, 2011

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

Average debt consolidation loans vary from $32,000.00 to $42,000.00. They are typically used to pay off existing high interest loans like credit cards. Temple required a debt consolidation loan to pay for their existing personal loan and their credit card. Temple was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 4.1%.

Before applying for this personal loan, Temple had an Experian score of 690, which is good, so United Savings Bank probably cannot provide Temple a personal loan

Experian Score: 690

Fast Loans for Temple in Lebanon, Missouri to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Lebanon, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Temple. Temple was able to find a fast loan for $26000 from Commerce Bank of Richmond Heights and Glasgow Savings Bank, but declined both offers in favor of their personal loan from United Savings 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 installment loans. A big improvement in the case that a borrower is on the go.

Paraphrased and Standardized Quote from Temple for this personal loan of $26000, provided by United Savings Bank

Hello, I am Temple and my hometown is Lebanon in Missouri. Laclede, county is where I grew up, and now I need a personal loan in Missouri for $26000 to pay bills. It has been difficult, but United Savings Bank really came through for me with this loan for 8.4% interest APR and a term of 13 years. I will repay the loan over the 13 year term, including interest. A big thanks to United Savings Bank for trusting me and my good credit. It look me 8 years to create my credit to 673, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Previous requests on Temple’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$22860.00 6 7.3% $393.04 Camden County Bank August 7, 2011
$23310.00 3 11.2% $765.35 Glasgow Savings Bank July 23, 2013
$23230.00 7 5.3% $331.62 Central Bank August 21, 2014
$23330.00 11 5.5% $235.96 Midwest BankCentre December 21, 2014

Several other requests for credit have been made by Temple in the past, including one from Bank of Baroda in Lebanon, Missouri before Temple was approved for the $26000 by United Savings Bank

Temple made 8 previous tries to obtain a personal loan, 2 of which were with Bank of Baroda, a lending institution in Lebanon, Missouri known to specialize in personal loans specifically. Before finding United Savings Bank, Temple was very concerned due to their inexperience and good credit score.

8 Months in the Past, Temple Attempted Finding a High Risk Loan for $45,000.00, and it was Easy

It is an well known struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Temple. Temple chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Clients with credit ratings as low as 597 can inquire for a high risk loan and may be be approved.

Personal Loan for a database administrator named Temple in Lebanon, Missouri to Pay Off Merrill Lynch Access

Temple had a lot of credit card debt on their First National Bank of St. Louis Credit Cards and their Tioga State Bank Visa Signature Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Temple’s job as a database administrator, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Temple’s Overall FICO score at the time of acceptance for a personal loan, taking into account their database administrator job and their future career as a sales representative

Fico Score: 673

Client Profile: Temple Waggoner of Lebanon, Missouri
  • Full name (Changed if requested): Temple Waggoner
  • Current Credit: loans.hit.utils.Fico@50134894
  • Current City: Lebanon
  • State: Missouri
  • Zip code: 65537
  • Yearly income: $55,000
  • Current Job: database administrator
  • Current County: Laclede
  • Goal Yearly Income: $135,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Conclusion of Temple’s personal loan

In the end, Temple was able to find a personal loan for $26000 with an interest rate of 7.8% interest APR from United Savings Bank in Lebanon, Missouri repayable over 13 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.