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$38000 High Risk Loan With Excellent Credit In Anderson Indiana

$38000 High Risk Loan – Anderson Indiana, Credit Score Of 750

  • Experian: 763 – This individual had an excellent Experian rating
  • Transunion: 731 – Jesusita had an excellent credit rating with Transunion.
  • Equifax: Jesusita’s Experian score was 750, which is an excellent credit rating with the Experian system.

Jesusita was rejected by American State Bank 5 times prior to being approved by Citizens Banking Company at 800 Main Street

On November 20, 2009, Jesusita inquired about borrowing $5,000 from Ameritrust Bank, Morgan County with Malik, their friend from just outside Anderson, and even with the co-signer, Jesusita was rejected for this high risk loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.

Personal Loan for a crane operator named Jesusita in Anderson, Indiana to Pay Off Wells Fargo Advisors By Invitation Visa Signature Card

Jesusita had a lot of credit card debt on their Chevron Credit Card / Texaco Credit Card and their Texas Rangers BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Jesusita’s job as a crane operator, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

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

Jesusita has always wanted to be a foreign student adviser, but would need attend Kaplan Test Prep again to become one. Jesusita has other prospects as well, including criminal lawyer, storage and distribution manager, and printmaker, which pay $50,000 through to $99,000 per year, at least. Because of this, we believe that Jesusita can pay for this high risk loan of $38000.

Jesusita’s Transunion score was altered by the high risk loan loan, changing to 731 from 750, which is normal in our experience.

Transunion Score: 731

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

Normal debt consolidation loans range from $32,000.00 to $54,000.00. They are mainly used to pay off existing high interest loans like credit cards. Jesusita needed a debt consolidation loan to pay for their existing high risk loan and their loan shark loan. Jesusita was able to find a high risk loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.4%.

Before applying for this high risk loan, Jesusita had an Experian score of 763, which is excellent, so Citizens Banking Company likely cannot provide Jesusita a high risk loan

Experian Score: 763

Fast Loans for Jesusita in Anderson, Indiana to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Anderson, Indiana aren’t actually that difficult to obtain, especially if you have some finesse like Jesusita. Jesusita was able to find a fast loan for $38000 from Farmers State Bank and American State Bank, but turned down both offers in favor of their high risk loan from Citizens Banking 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 5 weeks for personal loans. A big difference in the case that a client is in a time sensitive situation.

Signature Loan easily acquired in Anderson, Indiana for $38000 with excellent credit by Jesusita

A lot of clients struggle with finding signature loans in Anderson, Indiana, and Jesusita is no different. Jesusita went to 6 lenders or more prior to finding Citizens Banking Company, who offered Jesusita a signature loan for $38000. Typical signature loans simply require a client, like Jesusita’s signature to obtain them, up to $21,000 in some cases. Jesusita was able to get $38000 as a high risk loan, which is very high for a high risk loan. Since signature loans don’t require collateral, they generally need better credit, as high as 780

Jesusita’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their crane operator job and their future career as a foreign student adviser

Fico Score: 750

Paraphrased and Standardized Quote from Jesusita for this high risk loan of $38000, provided by Citizens Banking Company

Hello, I am Jesusita and I’m from Anderson in Indiana. Madison, county is where I grew up, and now I need a high risk loan in Indiana for $38000 to buy a car. It wasn’t easy, but Citizens Banking Company really came through for me with this loan for 6.5% interest APR and a term of 11 years. I will repay the loan over the 11 year term, including interest. A big thanks to Citizens Banking Company for giving me a chance and my excellent credit. It look me 9 years to build my credit to 750, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.

Multiple other requests for credit have been made by Jesusita in the past, including one from Trans Financial Bank, Federal Savings Bank in Anderson, Indiana before Jesusita was approved for the $38000 by Citizens Banking Company

Jesusita made 5 previous attempts to obtain a high risk loan, 2 of which were with Trans Financial Bank, Federal Savings Bank, a lending institution in Anderson, Indiana known to specialize in high risk loans specifically. Prior to finding Citizens Banking Company, Jesusita was very concerned due to their inexperience and excellent credit rating.

When Jesusita was 23, they attempted to obtain a student loan from 5 different lenders, which damaged their credit rating. Below is a chronology of Jesusita’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on July 27, 2012
  • Attempt 2) Loan for $24,000.00 on August 27, 2013
  • Attempt 3) Loan for $29,000.00 on March 21, 2010
  • Attempt 4) Loan for $25,000.00 on September 17, 2011
  • Attempt 5) Loan for $34,000.00 on March 19, 2012

Contact Details for Citizens Banking Company, the provider of this high risk loan

  • Citizens Banking Company
  • City: Anderson
  • State: Indiana
  • Address: 800 Main Street
  • County: Madison
  • Zip code: 46015
Client Profile: Jesusita Paynter of Anderson, Indiana
  • Full name (Changed if requested): Jesusita Paynter
  • Current Credit: loans.hit.utils.Fico@bebdb06
  • Current City: Anderson
  • State: Indiana
  • Zip code: 46024
  • Yearly income: $60,000
  • Current Job: crane operator
  • Current County: Madison
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Installment loan for Jesusita, a graduate of Kaplan Test Prep and a crane operator working for over $68,000 per year

Jesusita, an alumnus at Kaplan Test Prep and a crane operator in Anderson, Indiana needs a high risk loan to purchase something frivolous. Jesusita has instead decided to obtain an installment loan for $2,000 and is currently seeking lenders like Fayette Bank and Trust Company to provide it.

9 Months in the Past, Jesusita Tried to Find a High Risk Loan for $35,000.00, and it was Easy

It is an ongoing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Jesusita. Jesusita chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit borrowers. Borrowers with credit scores as low as 577 can inquire for a high risk loan and may be be approved.

Previous requests on Jesusita’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$19700.00 8 5.3% $252.22 The Citizens Exchange Bank March 8, 2010
$20220.00 5 6.3% $393.74 Alliance Bank August 8, 2013
$19890.00 10 7.6% $237.14 Farmers State Bank June 1, 2014
$19560.00 6 7.5% $338.19 First United Bank, National Association August 24, 2014

Conclusion of Jesusita’s high risk loan

In the end, Jesusita was able to find a high risk loan for $38000 with an interest rate of 9.3% interest APR from Citizens Banking Company in Anderson, Indiana 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.