$144000 Signature Loan – Sidney Michigan, Credit Score Of 773
- Experian: 792 – The client had an excellent Experian rating
- Transunion: 757 – Matthew had an excellent credit score with Transunion.
- Equifax: Matthew’s Experian score was 773, which is an excellent credit score on the Experian system.
When Matthew was 23, they attempted to obtain a student loan from 7 different lenders, which harmed their credit rating. Below is a list of Matthew’s prior attempts at finding a student loan:
- Attempt 1) Loan for $36,000.00 on July 6, 2009
- Attempt 2) Loan for $31,000.00 on April 17, 2009
- Attempt 3) Loan for $28,000.00 on March 11, 2011
- Attempt 4) Loan for $35,000.00 on September 9, 2012
- Attempt 5) Loan for $38,000.00 on January 1, 2012
- Attempt 6) Loan for $26,000.00 on December 29, 2008
- Attempt 7) Loan for $32,000.00 on September 17, 2009
Paraphrased and Standardized Quote from Matthew for this signature loan of $144000, provided by Sidney State Bank
Hi, I am Matthew and I am from Sidney in Michigan. Montcalm, county is where I grew up, and now I need a signature loan in Michigan for $144000 to avoid bankruptcy. It wasn’t easy, but Sidney State Bank really came through for me with this loan for 6.4% interest APR and a term of 4 years. I can probably repay the loan over the 4 year term, including interest. A big thanks to Sidney State Bank for trusting me and my excellent credit. It look me 4 years to create my credit to 773, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.
Fast Loans for Matthew in Sidney, Michigan to prevent bankruptcy or harm from debt collectors.
Fast loans in Sidney, Michigan aren’t actually that difficult to obtain, particularly if you have some gumption like Matthew. Matthew was able to find a fast loan for $144000 from NBD Genesee Bank and NBD Grand Haven, but declined both offers in favor of their signature loan from Sidney State Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. An improvement in the case that you are on the go.
Contact Details for Sidney State Bank, the provider of this signature loan
- Sidney State Bank
- City: Sidney
- State: Michigan
- Address: 3016 West Sidney Road
- County: Montcalm
- Zip code: 48885
Matthew has a disappointing current yearly income, but has a large amount of prospects
Matthew has always wanted to be a financial services sales agent, but would have to attend Baker University again to become one. Matthew has other possibilities as well, including mechanical drafter, costume attendant, and congressional aide, which pay $59,000 through to $108,000 per year, at least. For this reason, we believe that Matthew can afford this signature loan of $144000.
Multiple other requests for credit have been made by Matthew in the past, including one from First Savings and Loan Association of America, F.S.A. in Sidney, Michigan before Matthew was accepted for the $144000 by Sidney State Bank
Matthew made 8 previous attempts to obtain a signature loan, 2 of which were with First Savings and Loan Association of America, F.S.A., a bank in Sidney, Michigan known to specialize in signature loans specifically. Before finding Sidney State Bank, Matthew was concerned due to their inexperience and excellent credit score.
Personal Loan for a social welfare administrator named Matthew in Sidney, Michigan to Pay Off Tioga State Bank Visa Business Card
Matthew had a lot of credit card debt on their Elder-Beerman Credit Card and their Diners Club Charge Card, and they were starting to get in over their heads. Despite Matthew’s job as a social welfare administrator, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Matthew was not approved by NBD Grand Haven 6 times prior to being approved by Sidney State Bank at 3016 West Sidney Road
On June 19, 2012, Matthew applied about borrowing $40,000 from Old Kent Bank of Fremont with Jude, their friend from just outside Sidney, and even with the co-signer, Matthew was rejected for this signature loan. With excellent credit, it can be very hard to procure financing, even with collateral and a co-signer.
Installment loan for Matthew, a graduate of Baker University and a social welfare administrator working for over $76,000 per year
Matthew, an alumnus at Baker University and a social welfare administrator in Sidney, Michigan needs a signature loan to purchase a house. Matthew has instead chosen to obtain an installment loan for $9,000 and is currently seeking lenders like Chemical Bank to provide it.
Before applying for this signature loan, Matthew had an Experian score of 792, which is excellent, so Sidney State Bank likely cannot provide Matthew a signature loan
9 Months in the Past, Matthew Attempted to Find a High Risk Loan for $44,000.00, and it was Hard
It is an well known struggle for borrowers to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Matthew. Matthew chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Borrowers with credit scores as low as 572 can apply for a high risk loan and possibly can be approved.
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans vary from $39,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Matthew needed a debt consolidation loan to pay for their existing signature loan and their credit card. Matthew was able to find a signature loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.3%.
Signature Loan easily acquired in Sidney, Michigan for $144000 with excellent credit by Matthew
Many borrowers struggle with finding signature loans in Sidney, Michigan, and Matthew is no exception. Matthew went to 4 lenders or more prior to settling on Sidney State Bank, who offered Matthew a signature loan for $144000. Typical signature loans simply need a client, like Matthew’s signature to obtain them, up to $35,000 in some cases. Matthew was able to get $144000 as a signature loan, which is very high for a signature loan. Because signature loans don’t need collateral, these loans tend to require improved credit, as high as 734
Matthew’s Transunion score was altered by the signature loan loan, changing to 757 from 773, which is normal in our experience.
Previous requests on Matthew’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$129800.00||10||8.1%||$1581.7||Society Bank, Lenawee||May 6, 2012|
|$130400.00||11||5.3%||$1305.79||Bank of Lenawee||November 15, 2014|
|$129740.00||5||7.2%||$2581.27||First of America Bank – Alpena||April 6, 2015|
|$130190.00||6||10.2%||$2425.03||NBD Ann Arbor, National Association||April 14, 2015|
Matthew’s Overall FICO score at the time of acceptance for a signature loan, taking into account their social welfare administrator job and their future job as a financial services sales agent
- Full name (Changed if requested): Matthew Esser
- Current Credit: loans.hit.utils.Fico@6d21714c
- Current City: Sidney
- State: Michigan
- Zip code: 48894
- Yearly income: $50,000
- Current Job: social welfare administrator
- Current County: Montcalm
- Goal Yearly Income: $114,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000
Conclusion of Matthew’s signature loan
In the end, Matthew was able to find a signature loan for $144000 with an interest rate of 7.2% interest APR from Sidney State Bank in Sidney, Michigan repayable over 4 years from today.