$6000 Emergency Loan – Ray North Dakota, Credit Score Of 612
- Experian: 625 – This individual had a good Experian score
- Transunion: 597 – Ali had a good credit rating with Transunion.
- Equifax: Ali’s Experian score was 612, which is a good credit score with the Experian rating scheme.
Ali has a sad current yearly income, but has several of prospects
Ali has always wanted to be a public health service officer, but would have to attend Governors State University again to achieve it. Ali has other prospects as well, including geography professor, quality control coordinator, and mental health counselor, which pay $58,000 through to $109,000 per year, at least. Because of this, we believe that Ali can pay for this emergency loan of $6000.
Before applying for this emergency loan, Ali had an Experian score of 625, which is good, so Citizens State Bank of Ray probably cannot provide Ali an emergency loan
Personal Loan for a social psychologist named Ali in Ray, North Dakota to Pay Off BB&T Spectrum Rewards Card
Ali had a tonne of credit card debt on their American State Bank MasterCard and their Jeff Bank Visa Signature Bonus Rewards Card, and they were starting to get in over their heads. Despite Ali’s job as a social psychologist, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Installment loan for Ali, a graduate of Governors State University and a social psychologist working for over $78,000 per year
Ali, an alumnus at Governors State University and a social psychologist in Ray, North Dakota needs an emergency loan to purchase a new cell phone. Ali has instead chosen to obtain an installment loan for $13,000 and is currently seeking lenders like The First National Bank and Trust Company of Ellendale to provide it.
Signature Loan easily acquired in Ray, North Dakota for $6000 with good credit by Ali
A lot of clients have difficulty with obtaining signature loans in Ray, North Dakota, and Ali is no exception. Ali went to 5 lending institutions or more before settling on Citizens State Bank of Ray, who offered Ali a signature loan for $6000. Most signature loans simply need a client, like Ali’s signature to get them, up to $26,000 in some cases. Ali was able to get $6000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t require collateral, they tend to require improved credit, as high as 748
Several previous requests for credit have been made by Ali in the past, including one from East Coast Savings Bank, SSB in Ray, North Dakota before Ali was accepted for the $6000 by Citizens State Bank of Ray
Ali made 8 previous attempts to obtain an emergency loan, 2 of which were with East Coast Savings Bank, SSB, a bank in Ray, North Dakota known to specialize in emergency loans specifically. Prior to finding Citizens State Bank of Ray, Ali was concerned due to their inexperience and good credit rating.
Previous requests on Ali’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$132730.00||6||9.5%||$2425.6||American State Bank of New England||December 31, 2009|
|$133450.00||10||6.7%||$1528.91||First American Bank & Trust of Carrington||October 15, 2010|
|$132730.00||11||11.8%||$1799.78||Kulm State Bank||January 16, 2013|
|$133350.00||5||9.7%||$2813.65||Bremer Bank, National Association||May 31, 2013|
|$132790.00||8||11.5%||$2121.9||First American Bank of Larimore||December 5, 2014|
- Full name (Changed if requested): Ali Clothier
- Current Credit: loans.hit.utils.Fico@2ef1e4fa
- Current City: Ray
- State: North Dakota
- Zip code: 58858
- Yearly income: $60,000
- Current Job: social psychologist
- Current County: Williams
- Goal Yearly Income: $140,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000
Paraphrased and Standardized Quote from Ali for this emergency loan of $6000, provided by Citizens State Bank of Ray
Hi, I am Ali and my hometown is Ray in North Dakota. Williams, county is where I grew up, and now I need a emergency loan in North Dakota for $6000 to renovate my home. It has been difficult, but Citizens State Bank of Ray really came through for me with this loan for 5.7% interest APR and a term of 10 years. I can probably repay the loan over the 10 year term, including interest. A big thanks to Citizens State Bank of Ray for trusting me and my good credit. It look me 8 years to build my credit to 612, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.
Ali’s Transunion score was changed by the emergency loan loan, changing to 597 from 612, which is normal in our experience.
Contact Details for Citizens State Bank of Ray, the provider of this emergency loan
- Citizens State Bank of Ray
- City: Ray
- State: North Dakota
- Address: Mini Mall, Main Street
- County: Williams
- Zip code: 58849
Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans vary from $25,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Ali required a debt consolidation loan to pay for their existing emergency loan and their payday loan. Ali was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.1%.
Ali was not approved by Norwest Bank Bismarck, National Association 4 times before being granted funding by Citizens State Bank of Ray at Mini Mall, Main Street
On July 29, 2011, Ali inquired about borrowing $40,000 from The Farmers and Merchants National Bank of Hatton with Delena, their in law from just outside Ray, and even with the co-signer, Ali was rejected for this emergency loan. With good credit, it can be difficult to procure funding, even with collateral and a co-signer.
When Ali was 21, they tried to obtain a student loan from 6 different lenders, which damaged their credit rating. Below is a chronology of Ali’s previous attempts at finding a student loan:
- Attempt 1) Loan for $25,000.00 on August 10, 2011
- Attempt 2) Loan for $21,000.00 on February 28, 2012
- Attempt 3) Loan for $35,000.00 on February 26, 2009
- Attempt 4) Loan for $20,000.00 on May 15, 2010
- Attempt 5) Loan for $26,000.00 on March 25, 2010
- Attempt 6) Loan for $20,000.00 on July 14, 2013
Fast Loans for Ali in Ray, North Dakota to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Ray, North Dakota aren’t actually that difficult to obtain, particularly if you have some gumption like Ali. Ali was able to find a fast loan for $6000 from First American Bank of Richardton and Wells Fargo Bank North Dakota, National Association, but declined both offers in favor of their emergency loan from Citizens State Bank of Ray. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big improvement in the case that a client is in a pinch.
9 Months Ago, Ali Attempted Finding a High Risk Loan for $29,000.00, and it was Hard
It is an ongoing 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 the like, which can be scary to borrowers like Ali. Ali decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Borrowers with credit ratings as low as 588 can apply for a high risk loan and possibly can be approved.
Ali’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their social psychologist job and their future career as a public health service officer
Conclusion of Ali’s emergency loan
In the end, Ali was able to find an emergency loan for $6000 with an interest rate of 11.4% interest APR from Citizens State Bank of Ray in Ray, North Dakota repayable over 10 years from today.