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$84000 Direct Loan With Bad Credit In Iowa City Iowa

$84000 Direct Loan – Iowa City Iowa, Credit Score Of 487

  • Experian: 503 – This individual had a bad Experian rating
  • Transunion: 473 – Camellia had a bad credit score with Transunion.
  • Equifax: Camellia’s Experian score was 487, which is a bad credit rating with the Experian scale.

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

Normal debt consolidation loans range from $27,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Camellia required a debt consolidation loan to pay for their existing direct loan and their payday loan. Camellia was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 4.6%.

Installment loan for Camellia, a graduate of Southwestern Oklahoma State University and a marine surveyor working for over $62,000 per year

Camellia, an alumnus at Southwestern Oklahoma State University and a marine surveyor in Iowa City, Iowa needs a direct loan to purchase a car. Camellia has instead chosen to get an installment loan for $27,000 and is at present seeking lenders like West Side State Savings Bank to provide it.

8 Months Ago, Camellia Tried to Find a High Risk Loan for $35,000.00, and it was Hard

There is an ongoing struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Camellia. Camellia decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Clients with credit ratings as low as 569 can inquire for a high risk loan and have a chance to be accepted.

Camellia’s Transunion score was altered by the direct loan loan, changing to 473 from 487, which is typical in our experience.

Transunion Score: 473

Personal Loan for a marine surveyor named Camellia in Iowa City, Iowa to Pay Off Brooks Brothers Platinum MasterCard

Camellia had a tonne of credit card debt on their Bank of Hawaii Credit Cards and their Fifth Third Real Life Rewards Credit Card, and they were starting to get in over their heads. Despite Camellia’s job as a marine surveyor, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this direct loan, Camellia had an Experian score of 503, which is bad, so Hawkeye State Bank likely cannot provide Camellia a direct loan

Experian Score: 503

Camellia was declined by Guthrie County State Bank 4 times before being granted funding by Hawkeye State Bank at 229 South Dubuque Street

On October 30, 2009, Camellia applied about borrowing $30,000 from Farmers Savings Bank with Janyce, their in law from just outside Iowa City, and even with the co-signer, Camellia was rejected for this direct loan. With bad credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Camellia has a very low current total income, but has a large amount of prospects

Camellia has always wanted to be an emergency management specialist, but would have to attend Southwestern Oklahoma State University again to achieve it. Camellia has other possibilities as well, including highway maintenance worker, mining shovel machine operator, and public relations specialist, which pay $59,000 through to $95,000 per year, at least. For this reason, we believe that Camellia can pay for this direct loan of $84000.

Contact Details for Hawkeye State Bank, the provider of this direct loan

  • Hawkeye State Bank
  • City: Iowa City
  • State: Iowa
  • Address: 229 South Dubuque Street
  • County: Johnson
  • Zip code: 52240

Paraphrased and Standardized Quote from Camellia for this direct loan of $84000, provided by Hawkeye State Bank

Hello, I am Camellia and I’m from Iowa City in Iowa. Johnson, county is where I grew up, and now I need a direct loan in Iowa for $84000 to buy a big ticket item. It has been difficult, but Hawkeye State Bank really came through for me with this loan for 7.6% interest APR and a term of 10 years. I can repay the loan over the 10 year term, including interest. A big thanks to Hawkeye State Bank for trusting me and my bad credit. It look me 7 years to build my credit to 487, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Camellia’s Overall FICO score at the time of acceptance for a direct loan, taking into account their marine surveyor job and their future career as an emergency management specialist

Fico Score: 487

When Camellia was 24, they attempted to obtain a student loan from 6 different banks, which harmed their credit rating. Below is a chronology of Camellia’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on November 5, 2010
  • Attempt 2) Loan for $31,000.00 on July 17, 2009
  • Attempt 3) Loan for $29,000.00 on May 30, 2010
  • Attempt 4) Loan for $39,000.00 on June 4, 2010
  • Attempt 5) Loan for $32,000.00 on May 3, 2010
  • Attempt 6) Loan for $29,000.00 on July 8, 2012

Several other requests for credit have been made by Camellia in the past, including one from Peoples National Bank of New Jersey in Iowa City, Iowa before Camellia was approved for the $84000 by Hawkeye State Bank

Camellia made 9 previous attempts to obtain a direct loan, 2 of which were with Peoples National Bank of New Jersey, a bank in Iowa City, Iowa known to specialize in direct loans specifically. Before finding Hawkeye State Bank, Camellia was desperate due to their inexperience and bad credit rating.

Client Profile: Camellia Koblick of Iowa City, Iowa
  • Full name (Changed if requested): Camellia Koblick
  • Current Credit: loans.hit.utils.Fico@4b85612c
  • Current City: Iowa City
  • State: Iowa
  • Zip code: 52247
  • Yearly income: $34,000
  • Current Job: marine surveyor
  • Current County: Johnson
  • Goal Yearly Income: $92,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Fast Loans for Camellia in Iowa City, Iowa to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Iowa City, Iowa aren’t actually that difficult to obtain, especially if you have some finesse like Camellia. Camellia was able to find a fast loan for $84000 from Norwest Bank Atlantic, National Association and Guthrie County State Bank, but declined both offers in favor of their direct loan from Hawkeye State Bank. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement in the case that a client is in a time sensitive situation.

Previous requests on Camellia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$47780.00 8 5.4% $614.03 Mills County Bank National Association October 23, 2013
$48310.00 3 11.7% $1597.67 Postville State Bank June 26, 2014
$48220.00 3 6.8% $1484.49 Washington State Bank October 28, 2014
$47800.00 6 6.6% $805.79 Rippey Savings Bank February 13, 2015

Signature Loan found in Iowa City, Iowa for $84000 with bad credit by Camellia

Many borrowers struggle with obtaining signature loans in Iowa City, Iowa, and Camellia is no exception. Camellia went to 8 lenders or more prior to finding Hawkeye State Bank, who offered Camellia a signature loan for $84000. Most signature loans simply need a client, like Camellia’s signature to obtain them, up to $23,000 in some cases. Camellia was able to get $84000 as a direct loan, which is very high for a direct loan. Because signature loans do not need collateral, these loans generally require improved credit, as high as 788

Conclusion of Camellia’s direct loan

In the end, Camellia was able to find a direct loan for $84000 with an interest rate of 7.5% interest APR from Hawkeye State Bank in Iowa City, Iowa repayable over 10 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.