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Isidro Wanted A No Collateral Loan For $138000, Horton, Kansas

$138000 No Collateral Loan – Horton Kansas, Credit Score Of 544

  • Experian: 554 – They had a fair Experian score
  • Transunion: 531 – Isidro had a fair credit score with Transunion.
  • Equifax: Isidro’s Experian score was 544, which is a fair credit rating with the Experian system.

Many previous requests for credit have been made by Isidro in the past, including one from First Community Bank & Trust in Horton, Kansas before Isidro was accepted for the $138000 by Bank of Horton

Isidro made 5 prior attempts to obtain a no collateral loan, 2 of which were with First Community Bank & Trust, a lending institution in Horton, Kansas known to specialize in no collateral loans specifically. Before finding Bank of Horton, Isidro was concerned due to their inexperience and fair credit score.

Client Profile: Isidro Dunwiddie of Horton, Kansas
  • Full name (Changed if requested): Isidro Dunwiddie
  • Current Credit: loans.hit.utils.Fico@28ba21f3
  • Current City: Horton
  • State: Kansas
  • Zip code: 66441
  • Yearly income: $34,000
  • Current Job: social work professor
  • Current County: Brown
  • Goal Yearly Income: $130,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Isidro has a low current gross income, but has several of prospects

Isidro has always wanted to be an advertising account executive, but would have to attend The Montessori World Educational Institute again to achieve it. Isidro has other possibilities as well, including metal casting machine operator, criminal lawyer, and elevator mechanic, which pay $51,000 through to $101,000 per year, at least. Because of this, we think that Isidro can pay for this no collateral loan of $138000.

Previous requests on Isidro’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$131130.00 10 5.1% $1397.26 Citizens Bank and Trust Company July 24, 2012
$130650.00 5 9.1% $2718.42 The Morrill and Janes Bank and Trust Company December 18, 2013
$131280.00 7 5.4% $1880.27 The Citizens State Bank, Liberal, Kansas May 10, 2014
$130540.00 6 5.1% $2108.4 Citizens State Bank October 11, 2014

Fast Loans for Isidro in Horton, Kansas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Horton, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Isidro. Isidro was able to find a fast loan for $138000 from The American State Bank and The Farmers and Merchants State Bank, but turned down both offers in favor of their no collateral loan from Bank of Horton. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if a borrower is on the go.

When Isidro was 23, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit score. Below is a list of Isidro’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on December 30, 2009
  • Attempt 2) Loan for $32,000.00 on December 10, 2012
  • Attempt 3) Loan for $25,000.00 on September 9, 2012
  • Attempt 4) Loan for $20,000.00 on January 25, 2009
  • Attempt 5) Loan for $36,000.00 on March 6, 2012

Contact Details for Bank of Horton, the provider of this no collateral loan

  • Bank of Horton
  • City: Horton
  • State: Kansas
  • Address: 108 East 8th Street
  • County: Brown
  • Zip code: 66439

Isidro was not approved by The Bank of Tescott 5 times prior to being approved by Bank of Horton at 108 East 8th Street

On June 10, 2010, Isidro applied about borrowing $7,000 from Peoples Bank and Trust Company with Emilie, their in law from just outside Horton, and even with the co-signer, Isidro was rejected for this no collateral loan. With fair credit, it can be difficult to procure funding, even with collateral and a co-signer.

Before applying for this no collateral loan, Isidro had an Experian score of 554, which is fair, so Bank of Horton likely cannot provide Isidro a no collateral loan

Experian Score: 554

9 Months Ago, Isidro Tried Finding a High Risk Loan for $33,000.00, and it was Easy

There is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Isidro. Isidro decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit clients. Clients with credit ratings as low as 442 can apply for a high risk loan and possibly can be approved.

Installment loan for Isidro, a graduate of The Montessori World Educational Institute and a social work professor working for over $76,000 per year

Isidro, an alumnus at The Montessori World Educational Institute and a social work professor in Horton, Kansas needs a no collateral loan to purchase something frivolous. Isidro has instead decided to get an installment loan for $16,000 and is currently seeking lenders like The Fidelity State Bank to process their request.

Isidro’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their social work professor job and their future career as an advertising account executive

Fico Score: 544

Isidro’s Transunion score was changed by the no collateral loan loan, changing to 531 from 544, which is typical in our experience.

Transunion Score: 531

Personal Loan for a social work professor named Isidro in Horton, Kansas to Pay Off AmTrust Bank Maximum Rewards Visa Card

Isidro had a tonne of credit card debt on their Colorado State University Credit Cards and their Merrill Lynch Merrill+ Visa, and they were starting to get in over their heads. Despite Isidro’s job as a social work professor, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Isidro for this no collateral loan of $138000, provided by Bank of Horton

Hi, I am Isidro and I’m from Horton in Kansas. Brown, county is where I grew up, and now I need a no collateral loan in Kansas for $138000 to renovate my home. It has been difficult, but Bank of Horton really came through for me with this loan for 5.1% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to Bank of Horton for trusting me and my fair credit. It look me 6 years to create my credit to 544, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Signature Loan easily acquired in Horton, Kansas for $138000 with fair credit by Isidro

Many borrowers have difficulty with obtaining signature loans in Horton, Kansas, and Isidro is the same. Isidro went to 4 lending institutions or more before settling on Bank of Horton, who offered Isidro a signature loan for $138000. Typical signature loans simply need a client, like Isidro’s signature to get them, up to $48,000 in some cases. Isidro was able to get $138000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans don’t need collateral, these loans generally require better credit, as high as 774

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $34,000.00 to $47,000.00. They are normally used to pay off existing high interest loans like credit cards. Isidro needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Isidro was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.4%.

Conclusion of Isidro’s no collateral loan

In the end, Isidro was able to find a no collateral loan for $138000 with an interest rate of 11.8% interest APR from Bank of Horton in Horton, Kansas repayable over 3 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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