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Signature Loan With Very Low APR In Saline County, Missouri

$124000 Signature Loan – Marshall Missouri, Credit Score Of 811

  • Experian: 830 – The client had an excellent Experian score
  • Transunion: 797 – Cristine had an excellent credit rating with Transunion.
  • Equifax: Cristine’s Experian score was 811, which is an excellent credit score on the Experian system.

7 Months Ago, Cristine Attempted to Find a High Risk Loan for $44,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Cristine. Cristine chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Clients with credit scores as low as 508 can apply for a high risk loan and may be be accepted.

Before applying for this signature loan, Cristine had an Experian score of 830, which is excellent, so Wood & Huston Bank probably can provide Cristine a signature loan

Experian Score: 830

Contact Details for Wood & Huston Bank, the provider of this signature loan

  • Wood & Huston Bank
  • City: Marshall
  • State: Missouri
  • Address: 27 East North Street
  • County: Saline
  • Zip code: 65340

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $36,000.00 to $50,000.00. They are mainly used to pay off existing high interest loans like credit cards. Cristine required a debt consolidation loan to pay for their existing signature loan and their payday loan. Cristine was able to find a signature loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.2%.

Many previous requests for credit have been made by Cristine in the past, including one from First National Bank of Colorado Springs in Marshall, Missouri before Cristine was approved for the $124000 by Wood & Huston Bank

Cristine made 9 previous attempts to obtain a signature loan, 2 of which were with First National Bank of Colorado Springs, a lender in Marshall, Missouri known to specialize in signature loans specifically. Prior to finding Wood & Huston Bank, Cristine was concerned due to their inexperience and excellent credit rating.

Client Profile: Cristine Spinella of Marshall, Missouri
  • Full name (Changed if requested): Cristine Spinella
  • Current Credit: loans.hit.utils.Fico@728938a9
  • Current City: Marshall
  • State: Missouri
  • Zip code: 65347
  • Yearly income: $39,000
  • Current Job: pharmacy technician
  • Current County: Saline
  • Goal Yearly Income: $140,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

When Cristine was 23, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a list of Cristine’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on February 4, 2011
  • Attempt 2) Loan for $23,000.00 on September 3, 2010
  • Attempt 3) Loan for $36,000.00 on February 19, 2012
  • Attempt 4) Loan for $22,000.00 on December 8, 2013

Previous requests on Cristine’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$135740.00 4 7.3% $3269.39 Camden County Bank July 7, 2009
$136150.00 9 9.7% $1894.77 Glasgow Savings Bank September 29, 2011
$136150.00 10 7.2% $1594.89 Central Bank March 10, 2012
$136320.00 10 11.7% $1932.23 Midwest BankCentre April 15, 2013
$135520.00 10 11.6% $1913.11 Commerce Bank of Richmond Heights May 16, 2014

Installment loan for Cristine, a graduate of Eureka Institute of Health and Beauty and a pharmacy technician working for over $60,000 per year

Cristine, an alumnus at Eureka Institute of Health and Beauty and a pharmacy technician in Marshall, Missouri wants a signature loan to purchase a new cell phone. Cristine has instead chosen to get an installment loan for $27,000 and is currently seeking lenders like Central West End Bank to provide it.

Fast Loans for Cristine in Marshall, Missouri to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Marshall, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Cristine. Cristine was able to find a fast loan for $124000 from Midwest BankCentre and Central Bank, but declined both offers in favor of their signature loan from Wood & Huston Bank. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement in the case that you are in a time sensitive situation.

Cristine has a sad current yearly income, but has a high number of prospects

Cristine has always wanted to be a vocational education instructors college, but would need attend Eureka Institute of Health and Beauty again to become one. Cristine has other possibilities as well, including social welfare administrator, surgeon, and industrial designer, which pay $52,000 through to $96,000 per year, at least. Because of this, we believe that Cristine can afford this signature loan of $124000.

Signature Loan easily acquired in Marshall, Missouri for $124000 with excellent credit by Cristine

A lot of prospective borrowers struggle with obtaining signature loans in Marshall, Missouri, and Cristine is no exception. Cristine went to 6 lenders or more prior to settling on Wood & Huston Bank, who offered Cristine a signature loan for $124000. Typical signature loans simply require a client, like Cristine’s signature to obtain them, up to $43,000 in some cases. Cristine was able to get $124000 as a signature loan, which is very high for a signature loan. Because signature loans don’t need a cosigner, these loans generally require improved credit, as high as 789

Cristine’s Overall FICO score at the time of acceptance for a signature loan, taking into account their pharmacy technician job and their future career as a vocational education instructors college

Fico Score: 811

Cristine was not approved by The Bank of Versailles 5 times prior to being accepted by Wood & Huston Bank at 27 East North Street

On August 31, 2011, Cristine inquired about borrowing $36,000 from Northwestern Bank and Trust Company with Jama, their in law from just outside Marshall, and even with the co-signer, Cristine was rejected for this signature loan. With excellent credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Cristine for this signature loan of $124000, provided by Wood & Huston Bank

Hi, I am Cristine and my hometown is Marshall in Missouri. Saline, county is where I grew up, and now I need a signature loan in Missouri for $124000 to pay bills. It has been difficult, but Wood & Huston Bank really came through for me with this loan for 11.5% interest APR and a term of 12 years. I can repay the loan over the 12 year term, including interest. A big thanks to Wood & Huston Bank for trusting me and my excellent credit. It look me 6 years to build my credit to 811, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Cristine’s Transunion score was altered by the signature loan loan, changing to 797 from 811, which is typical in our experience.

Transunion Score: 797

Personal Loan for a pharmacy technician named Cristine in Marshall, Missouri to Pay Off Bank of Albuquerque Credit Cards

Cristine had a lot of credit card debt on their MetroPCS Prepaid Visa Card and their AeroMexico Visa Signature Card- from US Bank, and they were starting to get in over their heads. Despite Cristine’s job as a pharmacy technician, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Conclusion of Cristine’s signature loan

In the end, Cristine was able to find a signature loan for $124000 with an interest rate of 5.2% interest APR from Wood & Huston Bank in Marshall, Missouri repayable over 12 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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