$87000 Unsecured Loan – St. Louis Missouri, Credit Rating Of 715
- Experian: 730 – They had a good Experian score
- Transunion: 699 – Ricky had a good credit score with Transunion.
- Equifax: Ricky’s Experian score was 715, which is a good credit rating using the Experian system.
Signature Loan found in St. Louis, Missouri for $87000 with good credit by Ricky
Most clients have difficulty with finding signature loans in St. Louis, Missouri, and Ricky is not an exception. Ricky went to 4 lending institutions or more before finding Northwestern Bank and Trust Company, who offered Ricky a signature loan for $87000. Typical signature loans simply require a client, like Ricky’s signature to obtain them, up to $26,000 in some cases. Ricky was able to get $87000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t require a cosigner, they generally require better credit, as high as 741
Ricky was declined by Mercantile Bank of Franklin County 5 times before being accepted by Northwestern Bank and Trust Company at 1500 St. Louis Avenue
On May 4, 2014, Ricky applied about borrowing $12,000 from Commerce Bank of Tower Grove with Cary, their in law from just outside St. Louis, and even with the co-signer, Ricky was rejected for this unsecured loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.
Paraphrased and Standardized Quote from Ricky for this unsecured loan of $87000, provided by Northwestern Bank and Trust Company
Hi, I am Ricky and I’m from St. Louis in Missouri. Saint Louis (City), county is where I grew up, and now I need a unsecured loan in Missouri for $87000 to buy a big ticket item. It has been difficult, but Northwestern Bank and Trust Company really came through for me with this loan for 8.8% interest APR and a term of 10 years. I will repay the loan over the 10 year term, including interest. A big thanks to Northwestern Bank and Trust Company for trusting me and my good credit. It look me 6 years to build my credit to 715, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.
Several previous requests for credit have been made by Ricky in the past, including one from Peoples State Bank in St. Louis, Missouri before Ricky was approved for the $87000 by Northwestern Bank and Trust Company
Ricky made 8 previous attempts to obtain an unsecured loan, 2 of which were with Peoples State Bank, a lender in St. Louis, Missouri known to specialize in unsecured loans specifically. Prior to finding Northwestern Bank and Trust Company, Ricky was very concerned due to their inexperience and good credit rating.
Ricky’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their industrial waste inspector job and their future job as an occupational physician
Ricky has a sad current yearly income, but has several of prospects
Ricky has always wanted to be an occupational physician, but would need attend College of Saint Mary again to achieve it. Ricky has other possibilities as well, including political science professor, home health technician, and construction laborer, which pay $53,000 through to $100,000 per year, at least. Because of this, we think that Ricky can pay for this unsecured loan of $87000.
Before applying for this unsecured loan, Ricky had an Experian score of 730, which is good, so Northwestern Bank and Trust Company probably cannot provide Ricky an unsecured loan
Personal Loan for an industrial waste inspector named Ricky in St. Louis, Missouri to Pay Off PAYjr Visa Buxx Prepaid Card
Ricky had a tonne of credit card debt on their Scrapbook Rewards Visa and their Brooks Brothers Credit Card, and they were starting to get in over their heads. Despite Ricky’s job as an industrial waste inspector, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Contact Details for Northwestern Bank and Trust Company, the provider of this unsecured loan
- Northwestern Bank and Trust Company
- City: St. Louis
- State: Missouri
- Address: 1500 St. Louis Avenue
- County: Saint Louis (City)
- Zip code: 63106
Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans vary from $20,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Ricky required a debt consolidation loan to pay for their existing unsecured loan and their loan shark loan. Ricky was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 4.1%.
Fast Loans for Ricky in St. Louis, Missouri to prevent bankruptcy or broken legs from debt collectors.
Fast loans in St. Louis, Missouri aren’t actually that difficult to obtain, particularly if you have some finesse like Ricky. Ricky was able to find a fast loan for $87000 from Boatmen’s Bank of Southwest Missouri and Central Bank, but declined both offers in favor of their unsecured loan from Northwestern 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 5 weeks for personal loans. A big improvement if a client is on the go.
Ricky’s Transunion score was altered by the unsecured loan loan, changing to 699 from 715, which is typical in our experience.
Previous requests on Ricky’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$71840.00||4||7.6%||$1740.37||Camden County Bank||October 5, 2009|
|$72380.00||5||5.7%||$1389.23||Glasgow Savings Bank||February 21, 2011|
|$71810.00||4||11.8%||$1883.99||Central Bank||March 10, 2014|
|$72480.00||6||8.6%||$1292.15||Midwest BankCentre||February 2, 2015|
|$72140.00||3||9.5%||$2310.86||Commerce Bank of Richmond Heights||July 7, 2015|
Installment loan for Ricky, a graduate of College of Saint Mary and an industrial waste inspector working for over $75,000 per year
Ricky, an alumnus at College of Saint Mary and an industrial waste inspector in St. Louis, Missouri wants an unsecured loan to purchase a car. Ricky has instead chosen to obtain an installment loan for $23,000 and is at present seeking lenders like Mercantile Bank of St. Louis National Association to process their request.
- Full name (Changed if requested): Ricky Morgen
- Current Credit: loans.hit.utils.Fico@3d71d552
- Current City: St. Louis
- State: Missouri
- Zip code: 63115
- Yearly income: $62,000
- Current Job: industrial waste inspector
- Current County: Saint Louis (City)
- Goal Yearly Income: $130,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
6 Months in the Past, Ricky Tried to Find a High Risk Loan for $29,000.00, and it was Hard
There is an ongoing struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Ricky. Ricky chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Borrowers with credit scores as low as 583 can inquire for a high risk loan and possibly can be approved.
When Ricky was 22, they tried to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a chronology of Ricky’s previous attempts at finding a student loan:
- Attempt 1) Loan for $26,000.00 on December 16, 2011
- Attempt 2) Loan for $31,000.00 on December 23, 2011
- Attempt 3) Loan for $29,000.00 on August 8, 2013
- Attempt 4) Loan for $32,000.00 on November 7, 2008
- Attempt 5) Loan for $21,000.00 on December 29, 2008
- Attempt 6) Loan for $35,000.00 on December 4, 2008
Conclusion of Ricky’s unsecured loan
In the end, Ricky was able to find an unsecured loan for $87000 with an interest rate of 9.5% interest APR from Northwestern Bank and Trust Company in St. Louis, Missouri repayable over 10 years from now.