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3 Month, Variable Interest Fast Loan For Essie In Colorado

$62000 Fast Loan – Salida Colorado, Credit Score Of 649

  • Experian: 668 – They had a good Experian score
  • Transunion: 631 – Essie had a good credit rating with Transunion.
  • Equifax: Essie’s Experian score was 649, which is a good credit score on the Experian system.

Essie’s Transunion score was changed by the fast loan loan, changing to 631 from 649, which is typical in our experience.

Transunion Score: 631

Essie has a low current gross income, but has a high number of prospects

Essie has always wanted to be an environmental compliance inspector, but would have to attend University of Texas at Tyler again to become one. Essie has other prospects as well, including operations management analyst, gynecologist, and sportswriter, which pay $57,000 through to $93,000 per year, on average. For this reason, we believe that Essie can afford this fast loan of $62000.

Essie’s Overall FICO score at the time of acceptance for a fast loan, taking into account their purchasing agent job and their future career as an environmental compliance inspector

Fico Score: 649

Fast Loans for Essie in Salida, Colorado to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Salida, Colorado aren’t actually that difficult to obtain, especially if you have some finesse like Essie. Essie was able to find a fast loan for $62000 from The Berthoud National Bank and IntraWest Bank of Denver, National Association, but turned down both offers in favor of their fast loan from The Thatcher Bank, FSB. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big improvement if a client is in a time sensitive situation.

Personal Loan for a purchasing agent named Essie in Salida, Colorado to Pay Off AmTrust Bank Maximum Rewards Visa Card

Essie had a lot of credit card debt on their Orbitz Visa Platinum Credit Card and their Arizona Diamondbacks BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Essie’s job as a purchasing agent, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this fast loan, Essie had an Experian score of 668, which is good, so The Thatcher Bank, FSB most likely cannot provide Essie a fast loan

Experian Score: 668

Previous requests on Essie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$31560.00 3 6.4% $965.85 Affiliated National Bank – Delta May 23, 2010
$32200.00 5 9.7% $679.41 Central Bank, National Association May 29, 2011
$32180.00 8 5.7% $418.21 The Colorado Bank and Trust Company of La Junta January 13, 2013
$32270.00 4 9.1% $804.57 Colorado State Bank and Trust, N. A. March 30, 2013

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

It is an existing struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Essie. Essie decided not to get a high risk loan this time. High Risk loans are given to very low credit clients. Clients with credit scores as low as 388 can inquire for a high risk loan and have a chance to be approved.

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

Average debt consolidation loans range from $35,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Essie required a debt consolidation loan to pay for their existing fast loan and their payday loan. Essie was able to find a fast loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.4%.

Several previous requests for credit have been made by Essie in the past, including one from Yorkridge Federal Savings and Loan Association in Salida, Colorado before Essie was accepted for the $62000 by The Thatcher Bank, FSB

Essie made 6 previous tries to obtain a fast loan, 2 of which were with Yorkridge Federal Savings and Loan Association, a lender in Salida, Colorado known to specialize in fast loans specifically. Before finding The Thatcher Bank, FSB, Essie was very concerned due to their inexperience and good credit score.

Paraphrased and Standardized Quote from Essie for this fast loan of $62000, provided by The Thatcher Bank, FSB

Hi, I am Essie and I am from Salida in Colorado. Chaffee, county is where I grew up, and now I need a fast loan in Colorado for $62000 to pay bills. It wasn’t easy, but The Thatcher Bank, FSB really came through for me with this loan for 5.8% interest APR and a term of 3 years. I will repay the loan over the 3 year term, including interest. A big thanks to The Thatcher Bank, FSB for giving me a chance and my good credit. It look me 7 years to create my credit to 649, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Client Profile: Essie Caponigro of Salida, Colorado
  • Full name (Changed if requested): Essie Caponigro
  • Current Credit: loans.hit.utils.Fico@1de0aca6
  • Current City: Salida
  • State: Colorado
  • Zip code: 81211
  • Yearly income: $44,000
  • Current Job: purchasing agent
  • Current County: Chaffee
  • Goal Yearly Income: $120,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Contact Details for The Thatcher Bank, FSB, the provider of this fast loan

  • The Thatcher Bank, FSB
  • City: Salida
  • State: Colorado
  • Address: 200 F Street
  • County: Chaffee
  • Zip code: 81202

When Essie was 21, they tried to obtain a student loan from 5 alternate lenders, which harmed their credit score. Below is a list of Essie’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on September 11, 2011
  • Attempt 2) Loan for $36,000.00 on March 7, 2009
  • Attempt 3) Loan for $38,000.00 on December 22, 2009
  • Attempt 4) Loan for $21,000.00 on October 26, 2012
  • Attempt 5) Loan for $24,000.00 on July 1, 2011

Installment loan for Essie, a graduate of University of Texas at Tyler and a purchasing agent working for over $75,000 per year

Essie, an alumnus at University of Texas at Tyler and a purchasing agent in Salida, Colorado wants a fast loan to purchase something frivolous. Essie has instead chosen to obtain an installment loan for $10,000 and is at present seeking lenders like Colorado State Bank and Trust, N. A. to provide it.

Signature Loan acquired in Salida, Colorado for $62000 with good credit by Essie

Most prospective borrowers have difficulty with obtaining signature loans in Salida, Colorado, and Essie is the same. Essie went to 8 lenders or more before finding The Thatcher Bank, FSB, who offered Essie a signature loan for $62000. Typical signature loans simply require a client, like Essie’s signature to obtain them, up to $34,000 in some cases. Essie was able to get $62000 as a fast loan, which is very high for a fast loan. Since signature loans don’t require a cosigner, these loans generally need higher credit, as high as 708

Essie was declined by Bank of Choice 6 times prior to being approved by The Thatcher Bank, FSB at 200 F Street

On April 27, 2011, Essie applied about borrowing $17,000 from Affiliated National Bank – Delta with Iona, their friend from just outside Salida, and even with the co-signer, Essie was rejected for this fast loan. With good credit, it can be difficult to procure funding, even with collateral and a co-signer.

Conclusion of Essie’s fast loan

In the end, Essie was able to find a fast loan for $62000 with an interest rate of 10.1% interest APR from The Thatcher Bank, FSB in Salida, Colorado 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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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.