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$38000 Secured Loan With Excellent Credit In St. Paul Kansas

$38000 Secured Loan – St. Paul Kansas, Credit Rating Of 809

  • Experian: 819 – This individual had an excellent Experian score
  • Transunion: 790 – Priscilla had an excellent credit rating with Transunion.
  • Equifax: Priscilla’s Experian score was 809, which is an excellent credit rating on the Experian rating scheme.

Previous requests on Priscilla’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$105300.00 3 7.7% $3285.17 Citizens Bank and Trust Company December 4, 2011
$104620.00 6 9.2% $1896.23 The Morrill and Janes Bank and Trust Company September 4, 2012
$104590.00 7 6.8% $1568.34 The Citizens State Bank, Liberal, Kansas December 2, 2012
$104780.00 3 6.7% $3220.95 Citizens State Bank February 5, 2013

Signature Loan acquired in St. Paul, Kansas for $38000 with excellent credit by Priscilla

Most clients have difficulty with finding signature loans in St. Paul, Kansas, and Priscilla is not an exception. Priscilla went to 8 lenders or more prior to finding The Exchange State Bank of St. Paul, Kansas, who offered Priscilla a signature loan for $38000. Typical signature loans simply require a client, like Priscilla’s signature to obtain them, up to $41,000 in some cases. Priscilla was able to get $38000 as a secured loan, which is very high for a secured loan. Since signature loans don’t require collateral, these loans generally require improved credit, as high as 790

Paraphrased and Standardized Quote from Priscilla for this secured loan of $38000, provided by The Exchange State Bank of St. Paul, Kansas

Hello, I am Priscilla and my hometown is St. Paul in Kansas. Neosho, county is where I grew up, and now I need a secured loan in Kansas for $38000 to pay bills. It wasn’t easy, but The Exchange State Bank of St. Paul, Kansas really came through for me with this loan for 11.5% interest APR and a term of 15 years. I will repay the loan over the 15 year term, including interest. A big thanks to The Exchange State Bank of St. Paul, Kansas for giving me a chance and my excellent credit. It look me 4 years to build my credit to 809, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

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

Normal debt consolidation loans vary from $31,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Priscilla needed a debt consolidation loan to pay for their existing secured loan and their loan shark loan. Priscilla was able to find a secured loan in the end. Debt consolidation, or simply 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 4.5%.

When Priscilla was 21, they attempted to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a chronology of Priscilla’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on March 30, 2010
  • Attempt 2) Loan for $27,000.00 on April 18, 2013
  • Attempt 3) Loan for $28,000.00 on January 20, 2009
  • Attempt 4) Loan for $21,000.00 on January 15, 2009
  • Attempt 5) Loan for $25,000.00 on March 3, 2012
Client Profile: Priscilla Kominek of St. Paul, Kansas
  • Full name (Changed if requested): Priscilla Kominek
  • Current Credit: loans.hit.utils.Fico@4edde6e5
  • Current City: St. Paul
  • State: Kansas
  • Zip code: 66780
  • Yearly income: $36,000
  • Current Job: home economist
  • Current County: Neosho
  • Goal Yearly Income: $82,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Priscilla was rejected by The Home State Bank of Kansas City, Kansas 7 times prior to being granted funding by The Exchange State Bank of St. Paul, Kansas at Fifth And Jefferson Streets

On June 21, 2013, Priscilla inquired about borrowing $40,000 from The Morrill and Janes Bank and Trust Company with Joni, their friend from just outside St. Paul, and even with the co-signer, Priscilla was rejected for this secured loan. With excellent credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Personal Loan for a home economist named Priscilla in St. Paul, Kansas to Pay Off Tompkins Trust Company Visa Business Bonus Rewards PLUS Card

Priscilla had a tonne of credit card debt on their First Hawaiian Bank Heritage MasterCard and their Bealls Florida Credit Card, and they were starting to get in over their heads. Despite Priscilla’s job as a home economist, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Contact Details for The Exchange State Bank of St. Paul, Kansas, the provider of this secured loan

  • The Exchange State Bank of St. Paul, Kansas
  • City: St. Paul
  • State: Kansas
  • Address: Fifth And Jefferson Streets
  • County: Neosho
  • Zip code: 66771

8 Months Ago, Priscilla Attempted to Find a High Risk Loan for $22,000.00, and it was Hard

There 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 similar lenders, which can be frightening to borrowers like Priscilla. Priscilla chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Clients with credit scores as low as 549 can inquire for a high risk loan and may be be approved.

Fast Loans for Priscilla in St. Paul, Kansas to prevent bankruptcy or harm from debt collectors.

Fast loans in St. Paul, Kansas aren’t actually that difficult to obtain, especially if you have some finesse like Priscilla. Priscilla was able to find a fast loan for $38000 from The Home State Bank of Kansas City, Kansas and The Farmers State Bank of Oakley, Kansas, but turned down both offers in favor of their secured loan from The Exchange State Bank of St. Paul, Kansas. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. Much better in the case that a client is in a pinch.

Priscilla’s Overall FICO score at the time of acceptance for a secured loan, taking into account their home economist job and their future job as an airline flight attendant

Fico Score: 809

Priscilla’s Transunion score was altered by the secured loan loan, changing to 790 from 809, which is normal in our experience.

Transunion Score: 790

Installment loan for Priscilla, a graduate of Metropolitan College of New York and a home economist working for over $73,000 per year

Priscilla, an alumnus at Metropolitan College of New York and a home economist in St. Paul, Kansas needs a secured loan to purchase a new cell phone. Priscilla has instead decided to obtain an installment loan for $21,000 and is at present seeking lenders like The Morrill and Janes Bank and Trust Company to process their request.

Multiple other requests for credit have been made by Priscilla in the past, including one from Bank of Arizona in St. Paul, Kansas before Priscilla was accepted for the $38000 by The Exchange State Bank of St. Paul, Kansas

Priscilla made 9 previous attempts to obtain a secured loan, 2 of which were with Bank of Arizona, a lending institution in St. Paul, Kansas known to specialize in secured loans specifically. Prior to finding The Exchange State Bank of St. Paul, Kansas, Priscilla was desperate due to their inexperience and excellent credit rating.

Before applying for this secured loan, Priscilla had an Experian score of 819, which is excellent, so The Exchange State Bank of St. Paul, Kansas likely cannot provide Priscilla a secured loan

Experian Score: 819

Priscilla has a sad current gross income, but has a high number of prospects

Priscilla has always wanted to be an airline flight attendant, but would need attend Metropolitan College of New York again to become one. Priscilla has other prospects as well, including radio & tv sports announcer, environmental research analyst, and medical administrative assistant, which pay $53,000 through to $96,000 per year, at least. For this reason, we think that Priscilla can afford this secured loan of $38000.

Conclusion of Priscilla’s secured loan

In the end, Priscilla was able to find a secured loan for $38000 with an interest rate of 10.0% interest APR from The Exchange State Bank of St. Paul, Kansas in St. Paul, Kansas repayable over 15 years from today.

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.