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$24000 No Collateral Loan With Terrible Credit In Eureka Kansas

$24000 No Collateral Loan – Eureka Kansas, Credit Rating Of 368

  • Experian: 387 – This individual had a terrible Experian score
  • Transunion: 350 – Quincy had a terrible credit rating with Transunion.
  • Equifax: Quincy’s Experian score was 368, which is a terrible credit score on the Experian scale.

Several past requests for credit have been made by Quincy in the past, including one from Lincoln Federal Savings and Loan Association in Eureka, Kansas before Quincy was approved for the $24000 by Home Bank and Trust Company

Quincy made 5 prior attempts to obtain a no collateral loan, 2 of which were with Lincoln Federal Savings and Loan Association, a lender in Eureka, Kansas known to specialize in no collateral loans specifically. Before finding Home Bank and Trust Company, Quincy was very concerned due to their inexperience and terrible credit rating.

Client Profile: Quincy Vandenberge of Eureka, Kansas
  • Full name (Changed if requested): Quincy Vandenberge
  • Current Credit: loans.hit.utils.Fico@5b6f7412
  • Current City: Eureka
  • State: Kansas
  • Zip code: 67054
  • Yearly income: $62,000
  • Current Job: financial planner
  • Current County: Greenwood
  • Goal Yearly Income: $137,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Quincy has a sad current yearly income, but has several of prospects

Quincy has always wanted to be a financial services sales agent, but would need attend Lehigh Carbon Community College again to become one. Quincy has other possibilities as well, including radio & tv sports announcer, mechanical drafter, and occupational safety & health inspector, which pay $54,000 through to $90,000 per year, on average. Because of this, we believe that Quincy can afford this no collateral loan of $24000.

Quincy’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their financial planner job and their future career as a financial services sales agent

Fico Score: 368

Previous requests on Quincy’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$94420.00 10 10.5% $1274.06 Citizens Bank and Trust Company August 3, 2011
$93780.00 8 7.5% $1302.03 The Morrill and Janes Bank and Trust Company August 10, 2014
$93700.00 9 10.6% $1349.81 The Citizens State Bank, Liberal, Kansas July 6, 2015
$94310.00 11 6.5% $1001.93 Citizens State Bank August 10, 2015

Personal Loan for a financial planner named Quincy in Eureka, Kansas to Pay Off Catherines Credit Card

Quincy had a tonne of credit card debt on their RBC Business Cash Back MasterCard and their Patelco Credit Union Credit Cards, and they were starting to get in over their heads. Despite Quincy’s job as a financial planner, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Signature Loan acquired in Eureka, Kansas for $24000 with terrible credit by Quincy

Most prospective borrowers have difficulty with finding signature loans in Eureka, Kansas, and Quincy is no different. Quincy went to 5 lenders or more prior to settling on Home Bank and Trust Company, who offered Quincy a signature loan for $24000. Most signature loans simply require a client, like Quincy’s signature to get them, up to $33,000 in some cases. Quincy was able to get $24000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans don’t require collateral, they generally require improved credit, as high as 711

Installment loan for Quincy, a graduate of Lehigh Carbon Community College and a financial planner working for over $77,000 per year

Quincy, an alumnus at Lehigh Carbon Community College and a financial planner in Eureka, Kansas needs a no collateral loan to purchase a new cell phone. Quincy has instead chosen to get an installment loan for $5,000 and is currently seeking lenders like Peoples Bank and Trust Company to process their request.

Paraphrased and Standardized Quote from Quincy for this no collateral loan of $24000, provided by Home Bank and Trust Company

Hi, I am Quincy and my hometown is Eureka in Kansas. Greenwood, county is where I grew up, and now I need a no collateral loan in Kansas for $24000 to renovate my home. It wasn’t easy, but Home Bank and Trust Company really came through for me with this loan for 8.3% interest APR and a term of 24 years. I can repay the loan over the 24 year term, including interest. A big thanks to Home Bank and Trust Company for trusting me and my terrible credit. It look me 7 years to create my credit to 368, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

9 Months in the Past, Quincy Attempted to Find a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting

There is an existing 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 Quincy. Quincy decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Clients with credit ratings as low as 391 can apply for a high risk loan and may be be accepted.

Before applying for this no collateral loan, Quincy had an Experian score of 387, which is terrible, so Home Bank and Trust Company most likely cannot provide Quincy a no collateral loan

Experian Score: 387

Quincy’s Transunion score was altered by the no collateral loan loan, changing to 350 from 368, which is normal in our experience.

Transunion Score: 350

Fast Loans for Quincy in Eureka, Kansas to prevent bankruptcy or harm from debt collectors.

Fast loans in Eureka, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Quincy. Quincy was able to find a fast loan for $24000 from The Kansas State Bank Overbrook Kansas and Home State Bank, but declined both offers in favor of their no collateral loan from Home Bank and Trust Company. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big improvement in the case that you are in a time sensitive situation.

Quincy was rejected by Farmers and Merchants Bank 5 times prior to being accepted by Home Bank and Trust Company at 217 North Main Street

On June 5, 2010, Quincy inquired about borrowing $7,000 from The State Bank with Charis, their in law from just outside Eureka, and even with the co-signer, Quincy was rejected for this no collateral loan. With terrible credit, it can be very hard to procure financing, even with collateral and a co-signer.

Contact Details for Home Bank and Trust Company, the provider of this no collateral loan

  • Home Bank and Trust Company
  • City: Eureka
  • State: Kansas
  • Address: 217 North Main Street
  • County: Greenwood
  • Zip code: 67045

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $20,000.00 to $47,000.00. They are typically used to pay off existing high interest loans like credit cards. Quincy required a debt consolidation loan to pay for their existing no collateral loan and their credit card. Quincy was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your less desirable, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.0%.

When Quincy was 24, they attempted to obtain a student loan from 7 different lenders, which harmed their credit rating. Below is a list of Quincy’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on February 13, 2011
  • Attempt 2) Loan for $20,000.00 on April 8, 2011
  • Attempt 3) Loan for $24,000.00 on January 20, 2009
  • Attempt 4) Loan for $33,000.00 on April 26, 2012
  • Attempt 5) Loan for $22,000.00 on August 24, 2010
  • Attempt 6) Loan for $26,000.00 on April 6, 2012
  • Attempt 7) Loan for $20,000.00 on February 1, 2010

Conclusion of Quincy’s no collateral loan

In the end, Quincy was able to find a no collateral loan for $24000 with an interest rate of 10.1% interest APR from Home Bank and Trust Company in Eureka, Kansas repayable over 24 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.