$132000 Direct Loan – Hoxie Kansas, Credit Rating Of 582
- Experian: 600 – The client had a fair Experian score
- Transunion: 565 – Joaquina had a fair credit score with Transunion.
- Equifax: Joaquina’s Experian score was 582, which is a fair credit score on the Experian system.
When Joaquina was 18, they tried to obtain a student loan from 5 alternate banks, which damaged their credit rating. Below is a list of Joaquina’s prior attempts at finding a student loan:
- Attempt 1) Loan for $24,000.00 on October 9, 2012
- Attempt 2) Loan for $31,000.00 on October 20, 2010
- Attempt 3) Loan for $36,000.00 on September 25, 2009
- Attempt 4) Loan for $27,000.00 on November 7, 2013
- Attempt 5) Loan for $27,000.00 on December 20, 2010
Joaquina has a sad current yearly income, but has a large amount of prospects
Joaquina has always wanted to be an electric motor mechanic, but would need attend Institute for Doctoral Studies in the Visual Arts again to achieve it. Joaquina has other prospects as well, including landscape contractor, financial planner, and insulation installer, which pay $59,000 through to $102,000 per year, on average. For this reason, we believe that Joaquina can pay for this direct loan of $132000.
Signature Loan acquired in Hoxie, Kansas for $132000 with fair credit by Joaquina
Most prospective borrowers have difficulty with obtaining signature loans in Hoxie, Kansas, and Joaquina is the same. Joaquina went to 6 lending institutions or more before finding The First National Bank of Hoxie, who offered Joaquina a signature loan for $132000. Most signature loans simply require a client, like Joaquina’s signature to obtain them, up to $36,000 in some cases. Joaquina was able to get $132000 as a direct loan, which is very high for a direct loan. Since signature loans do not require a cosigner, these loans generally need higher credit, as high as 769
Contact Details for The First National Bank of Hoxie, the provider of this direct loan
- The First National Bank of Hoxie
- City: Hoxie
- State: Kansas
- Address: 801 Main Street
- County: Sheridan
- Zip code: 67740
Joaquina was declined by The Home State Bank of Kansas City, Kansas 4 times prior to being accepted by The First National Bank of Hoxie at 801 Main Street
On September 21, 2010, Joaquina applied about borrowing $40,000 from The Mission State Bank & Trust Company with Sammie, their friend from just outside Hoxie, and even with the co-signer, Joaquina was rejected for this direct loan. With fair credit, it can be very hard to procure funding, even with collateral and a co-signer.
Paraphrased and Standardized Quote from Joaquina for this direct loan of $132000, provided by The First National Bank of Hoxie
Hello, I am Joaquina and my hometown is Hoxie in Kansas. Sheridan, county is where I grew up, and now I need a direct loan in Kansas for $132000 to pay bills. It wasn’t easy, but The First National Bank of Hoxie really came through for me with this loan for 9.7% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to The First National Bank of Hoxie for trusting me and my fair credit. It look me 8 years to create my credit to 582, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.
Personal Loan for a mine cutting machine operator named Joaquina in Hoxie, Kansas to Pay Off Commerce Bank St. Louis Blues MasterCard
Joaquina had a lot of credit card debt on their Merrill Lynch EMA Card and their Spirit Airlines, and they were starting to get in over their heads. Despite Joaquina’s job as a mine cutting machine operator, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Previous requests on Joaquina’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$116190.00||5||7.5%||$2328.21||Citizens Bank and Trust Company||October 17, 2009|
|$116450.00||11||11.1%||$1531.35||The Morrill and Janes Bank and Trust Company||December 30, 2010|
|$116420.00||4||10.5%||$2980.75||The Citizens State Bank, Liberal, Kansas||August 18, 2013|
|$116410.00||8||11.4%||$1853.83||Citizens State Bank||October 7, 2014|
|$116430.00||6||5.4%||$1896.78||The Peoples Bank||April 20, 2015|
- Full name (Changed if requested): Joaquina Bruegger
- Current Credit: loans.hit.utils.Fico@2401f4c3
- Current City: Hoxie
- State: Kansas
- Zip code: 67746
- Yearly income: $50,000
- Current Job: mine cutting machine operator
- Current County: Sheridan
- Goal Yearly Income: $147,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000
Installment loan for Joaquina, a graduate of Institute for Doctoral Studies in the Visual Arts and a mine cutting machine operator working for over $77,000 per year
Joaquina, an alumnus at Institute for Doctoral Studies in the Visual Arts and a mine cutting machine operator in Hoxie, Kansas wants a direct loan to purchase something frivolous. Joaquina has instead decided to obtain an installment loan for $11,000 and is currently seeking lenders like The Sedan State Bank, Sedan, Kansas to process their request.
Fast Loans for Joaquina in Hoxie, Kansas to prevent bankruptcy or harm from debt collectors.
Fast loans in Hoxie, Kansas aren’t actually that difficult to obtain, particularly if you have some gumption like Joaquina. Joaquina was able to find a fast loan for $132000 from The Exchange Bank of Lenora and The Sedan State Bank, Sedan, Kansas, but turned down both offers in favor of their direct loan from The First National Bank of Hoxie. 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 5 weeks for installment loans. A big improvement in the case that a client is on the go.
Joaquina’s Overall FICO score at the time of acceptance for a direct loan, taking into account their mine cutting machine operator job and their future career as an electric motor mechanic
Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans vary from $26,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Joaquina needed a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Joaquina was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.0%.
Joaquina’s Transunion score was altered by the direct loan loan, changing to 565 from 582, which is typical in our experience.
9 Months in the Past, Joaquina Attempted to Find a High Risk Loan for $40,000.00, and it was Hard
It is an existing struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Joaquina. Joaquina decided not to obtain a high risk loan this time. High Risk loans are given to terrible credit individuals. Clients with credit scores as low as 442 can apply for a high risk loan and may be be accepted.
Several previous requests for credit have been made by Joaquina in the past, including one from First Federal Savings and Loan Association of Tuscola in Hoxie, Kansas before Joaquina was approved for the $132000 by The First National Bank of Hoxie
Joaquina made 8 previous tries to obtain a direct loan, 2 of which were with First Federal Savings and Loan Association of Tuscola, a lender in Hoxie, Kansas known to specialize in direct loans specifically. Prior to finding The First National Bank of Hoxie, Joaquina was very concerned due to their inexperience and fair credit rating.
Before applying for this direct loan, Joaquina had an Experian score of 600, which is fair, so The First National Bank of Hoxie likely cannot provide Joaquina a direct loan
Conclusion of Joaquina’s direct loan
In the end, Joaquina was able to find a direct loan for $132000 with an interest rate of 10.0% interest APR from The First National Bank of Hoxie in Hoxie, Kansas repayable over 21 years from now.