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20 Month, Fixed Interest Signature Loan For Maranda In Nebraska

$66000 Signature Loan – Kilgore Nebraska, Credit Rating Of 389

  • Experian: 406 – The client had a terrible Experian score
  • Transunion: 374 – Maranda had a terrible credit score with Transunion.
  • Equifax: Maranda’s Experian score was 389, which is a terrible credit rating with the Experian rating scheme.

9 Months in the Past, Maranda Attempted Finding a High Risk Loan for $25,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Maranda. Maranda chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Clients with credit ratings as low as 591 can apply for a high risk loan and may be be approved.

Maranda has a disappointing current yearly income, but has a high number of prospects

Maranda has always wanted to be a nurse practitioner, but would need attend Massachusetts College of Art and Design again to become one. Maranda has other prospects as well, including sales representative, social work professor, and hazardous materials removal worker, which pay $51,000 through to $93,000 per year, at least. Because of this, we believe that Maranda can afford this signature loan of $66000.

Before applying for this signature loan, Maranda had an Experian score of 406, which is terrible, so Farmers State Bank most likely cannot provide Maranda a signature loan

Experian Score: 406

When Maranda was 20, they attempted to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a chronology of Maranda’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on December 25, 2009
  • Attempt 2) Loan for $26,000.00 on January 21, 2010
  • Attempt 3) Loan for $23,000.00 on March 6, 2009
  • Attempt 4) Loan for $24,000.00 on November 21, 2011

Contact Details for Farmers State Bank, the provider of this signature loan

  • Farmers State Bank
  • City: Kilgore
  • State: Nebraska
  • Address: Main Street
  • County: Cherry
  • Zip code: 69216

Installment loan for Maranda, a graduate of Massachusetts College of Art and Design and a plant manager working for over $66,000 per year

Maranda, an alumnus at Massachusetts College of Art and Design and a plant manager in Kilgore, Nebraska wants a signature loan to purchase a car. Maranda has instead decided to get an installment loan for $29,000 and is currently seeking lenders like Western National Bank to provide it.

Client Profile: Maranda Scoles of Kilgore, Nebraska
  • Full name (Changed if requested): Maranda Scoles
  • Current Credit: loans.hit.utils.Fico@433c675d
  • Current City: Kilgore
  • State: Nebraska
  • Zip code: 69218
  • Yearly income: $63,000
  • Current Job: plant manager
  • Current County: Cherry
  • Goal Yearly Income: $88,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Signature Loan acquired in Kilgore, Nebraska for $66000 with terrible credit by Maranda

Many prospective borrowers struggle with obtaining signature loans in Kilgore, Nebraska, and Maranda is the same. Maranda went to 8 lenders or more prior to finding Farmers State Bank, who offered Maranda a signature loan for $66000. Most signature loans simply require a client, like Maranda’s signature to obtain them, up to $30,000 in some cases. Maranda was able to get $66000 as a signature loan, which is very high for a signature loan. Because signature loans do not require collateral, they generally need higher credit, as high as 708

Maranda’s Transunion score was altered by the signature loan loan, changing to 374 from 389, which is typical in our experience.

Transunion Score: 374

Several past requests for credit have been made by Maranda in the past, including one from Peoples Savings Bank in Kilgore, Nebraska before Maranda was approved for the $66000 by Farmers State Bank

Maranda made 8 prior attempts to obtain a signature loan, 2 of which were with Peoples Savings Bank, a bank in Kilgore, Nebraska known to specialize in signature loans specifically. Prior to finding Farmers State Bank, Maranda was desperate due to their inexperience and terrible credit rating.

Maranda’s Overall FICO score at the time of acceptance for a signature loan, taking into account their plant manager job and their future career as a nurse practitioner

Fico Score: 389

Fast Loans for Maranda in Kilgore, Nebraska to prevent bankruptcy or harm from debt collectors.

Fast loans in Kilgore, Nebraska aren’t actually that difficult to obtain, particularly if you have some gumption like Maranda. Maranda was able to find a fast loan for $66000 from Commercial State Bank and The Bank of Cody, but turned down both offers in favor of their signature loan from Farmers State 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 7 weeks for debt consolidation loans. An improvement if a borrower is in a pinch.

Maranda was rejected by Security State Bank 6 times prior to being accepted by Farmers State Bank at Main Street

On April 18, 2014, Maranda applied about borrowing $1,000 from Countryside Bank with Leatrice, their friend from just outside Kilgore, and even with the co-signer, Maranda was rejected for this signature loan. With terrible credit, it can be difficult to procure funding, even with collateral and a co-signer.

Personal Loan for a plant manager named Maranda in Kilgore, Nebraska to Pay Off Holland America Line Rewards Visa Card

Maranda had a lot of credit card debt on their Shell Platinum MasterCard and their FirstMerit Bank MasterCard, and they were starting to get in over their heads. Despite Maranda’s job as a plant manager, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Maranda for this signature loan of $66000, provided by Farmers State Bank

Hi, I am Maranda and I’m from Kilgore in Nebraska. Cherry, county is where I grew up, and now I need a signature loan in Nebraska for $66000 to buy a big ticket item. It has been difficult, but Farmers State Bank really came through for me with this loan for 6.0% interest APR and a term of 20 years. I can repay the loan over the 20 year term, including interest. A big thanks to Farmers State Bank for trusting me and my terrible credit. It look me 7 years to create my credit to 389, and I won’t harm it any more. I am pleased with Find Texas Loans for helping me this far.

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $32,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Maranda required a debt consolidation loan to pay for their existing signature loan and their payday loan. Maranda was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.6%.

Previous requests on Maranda’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$19300.00 9 7.1% $242.35 Citizens Bank December 9, 2010
$18770.00 10 11.5% $263.9 Stromsburg Bank April 23, 2013
$18770.00 5 11.3% $410.92 Wahoo State Bank September 16, 2013
$19180.00 5 6.4% $374.38 Arlington State Bank October 31, 2013

Conclusion of Maranda’s signature loan

In the end, Maranda was able to find a signature loan for $66000 with an interest rate of 7.6% interest APR from Farmers State Bank in Kilgore, Nebraska repayable over 20 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.