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High Risk Loan With Very Low APR In Lincoln County, Missouri

$42000 High Risk Loan – Troy Missouri, Credit Rating Of 410

  • Experian: 424 – This client had a bad Experian score
  • Transunion: 394 – Cinthia had a bad credit score with Transunion.
  • Equifax: Cinthia’s Experian score was 410, which is a bad credit rating using the Experian system.

Personal Loan for an aircraft launch and recovery officer named Cinthia in Troy, Missouri to Pay Off Justice FCU Visa Classic Card

Cinthia had a lot of credit card debt on their Bloomingdale’s American Express Card and their Korean Air SKYPASS Visa Classic Credit Card, and they were starting to get in over their heads. Despite Cinthia’s job as an aircraft launch and recovery officer, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

7 Months Ago, Cinthia Attempted Finding a High Risk Loan for $34,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Cinthia. Cinthia decided not to obtain a high risk loan this time. High Risk loans are given to terrible credit applicants. Individuals with credit scores as low as 358 can inquire for a high risk loan and may be be accepted.

Several previous requests for credit have been made by Cinthia in the past, including one from Exchange National Bank of Birmingham in Troy, Missouri before Cinthia was approved for the $42000 by Citizens Bank of Troy

Cinthia made 9 previous attempts to obtain a high risk loan, 2 of which were with Exchange National Bank of Birmingham, a lender in Troy, Missouri known to specialize in high risk loans specifically. Prior to finding Citizens Bank of Troy, Cinthia was desperate due to their inexperience and bad credit score.

Cinthia has a very low current yearly income, but has a large amount of prospects

Cinthia has always wanted to be an environmental engineer, but would have to attend Saint Mary’s University of Minnesota again to achieve it. Cinthia has other possibilities as well, including library science professor, sports agent, and city planning aide, which pay $56,000 through to $104,000 per year, on average. For this reason, we think that Cinthia can pay for this high risk loan of $42000.

Installment loan for Cinthia, a graduate of Saint Mary’s University of Minnesota and an aircraft launch and recovery officer working for over $64,000 per year

Cinthia, an alumnus at Saint Mary’s University of Minnesota and an aircraft launch and recovery officer in Troy, Missouri wants a high risk loan to purchase a house. Cinthia has instead chosen to obtain an installment loan for $26,000 and is currently seeking lenders like Bremen Bank and Trust Company to process their request.

Previous requests on Cinthia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$48180.00 3 10.4% $1563.7 Camden County Bank January 18, 2009
$48120.00 11 6.1% $501.32 Glasgow Savings Bank September 5, 2009
$47770.00 9 8.1% $624.38 Central Bank December 12, 2010
$47510.00 7 11.5% $826.03 Midwest BankCentre September 2, 2011
$48170.00 10 7.8% $579.36 Commerce Bank of Richmond Heights April 1, 2012
Client Profile: Cinthia Crans of Troy, Missouri
  • Full name (Changed if requested): Cinthia Crans
  • Current Credit: loans.hit.utils.Fico@312b1dae
  • Current City: Troy
  • State: Missouri
  • Zip code: 63383
  • Yearly income: $62,000
  • Current Job: aircraft launch and recovery officer
  • Current County: Lincoln
  • Goal Yearly Income: $115,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Before applying for this high risk loan, Cinthia had an Experian score of 424, which is bad, so Citizens Bank of Troy most likely cannot provide Cinthia a high risk loan

Experian Score: 424

Cinthia was rejected by Southwest Bank, An M&I Bank 7 times prior to being accepted by Citizens Bank of Troy at 460 Wood Street

On August 2, 2010, Cinthia applied about borrowing $5,000 from Jefferson Bank and Trust Company with Chelsea, their in law from just outside Troy, and even with the co-signer, Cinthia was rejected for this high risk loan. With bad credit, it can be very hard to procure financing, even with collateral and a co-signer.

Fast Loans for Cinthia in Troy, Missouri to prevent bankruptcy or harm from debt collectors.

Fast loans in Troy, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Cinthia. Cinthia was able to find a fast loan for $42000 from Jefferson Bank and Trust Company and Union Planters Bank of Missouri, but turned down both offers in favor of their high risk loan from Citizens Bank of Troy. The difference with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. An improvement if you are on the go.

Paraphrased and Standardized Quote from Cinthia for this high risk loan of $42000, provided by Citizens Bank of Troy

Hi, I am Cinthia and I’m from Troy in Missouri. Lincoln, county is where I grew up, and now I need a high risk loan in Missouri for $42000 to renovate my home. It has been difficult, but Citizens Bank of Troy really came through for me with this loan for 7.2% interest APR and a term of 11 years. I can probably repay the loan over the 11 year term, including interest. A big thanks to Citizens Bank of Troy for trusting me and my bad credit. It look me 7 years to build my credit to 410, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.

Contact Details for Citizens Bank of Troy, the provider of this high risk loan

  • Citizens Bank of Troy
  • City: Troy
  • State: Missouri
  • Address: 460 Wood Street
  • County: Lincoln
  • Zip code: 63379

When Cinthia was 22, they attempted to obtain a student loan from 6 different lenders, which harmed their credit rating. Below is a chronology of Cinthia’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on July 15, 2012
  • Attempt 2) Loan for $25,000.00 on May 12, 2009
  • Attempt 3) Loan for $36,000.00 on May 7, 2011
  • Attempt 4) Loan for $38,000.00 on June 14, 2012
  • Attempt 5) Loan for $31,000.00 on January 21, 2010
  • Attempt 6) Loan for $31,000.00 on January 21, 2010

Cinthia’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their aircraft launch and recovery officer job and their future job as an environmental engineer

Fico Score: 410

Cinthia’s Transunion score was changed by the high risk loan loan, changing to 394 from 410, which is normal in our experience.

Transunion Score: 394

Signature Loan found in Troy, Missouri for $42000 with bad credit by Cinthia

Many borrowers struggle with obtaining signature loans in Troy, Missouri, and Cinthia is not an exception. Cinthia went to 6 lending institutions or more before finding Citizens Bank of Troy, who offered Cinthia a signature loan for $42000. Most signature loans simply need a client, like Cinthia’s signature to obtain them, up to $37,000 in some cases. Cinthia was able to get $42000 as a high risk loan, which is very high for a high risk loan. Because signature loans don’t need a cosigner, these loans generally require higher credit, as high as 754

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

Most debt consolidation loans range from $37,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Cinthia required a debt consolidation loan to pay for their existing high risk loan and their credit card. Cinthia was able to find a high risk loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.4%.

Conclusion of Cinthia’s high risk loan

In the end, Cinthia was able to find a high risk loan for $42000 with an interest rate of 9.3% interest APR from Citizens Bank of Troy in Troy, Missouri repayable over 11 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.