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Emergency Loan With Low APR In Kenosha County, Wisconsin

$164000 Emergency Loan – Kenosha Wisconsin, Credit Score Of 586

  • Experian: 602 – The client had a fair Experian score
  • Transunion: 570 – Carey had a fair credit score with Transunion.
  • Equifax: Carey’s Experian score was 586, which is a fair credit score using the Experian system.

Carey has a disappointing current gross income, but has a large amount of prospects

Carey has always wanted to be a camp director, but would need attend Marietta College again to achieve it. Carey has other prospects as well, including compensation administrator, sales representative, and meter mechanic, which pay $56,000 through to $101,000 per year, at least. Because of this, we believe that Carey can pay for this emergency loan of $164000.

Paraphrased and Standardized Quote from Carey for this emergency loan of $164000, provided by Heritage Bank of Kenosha

Hi, I am Carey and I am from Kenosha in Wisconsin. Kenosha, county is where I grew up, and now I need a emergency loan in Wisconsin for $164000 to buy a car. It has been difficult, but Heritage Bank of Kenosha really came through for me with this loan for 8.7% interest APR and a term of 18 years. I will repay the loan over the 18 year term, including interest. A big thanks to Heritage Bank of Kenosha for trusting me and my fair credit. It look me 8 years to build my credit to 586, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Before applying for this emergency loan, Carey had an Experian score of 602, which is fair, so Heritage Bank of Kenosha likely cannot provide Carey an emergency loan

Experian Score: 602

When Carey was 19, they tried to obtain a student loan from 6 different banks, which harmed their credit score. Below is a list of Carey’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on November 8, 2009
  • Attempt 2) Loan for $25,000.00 on January 11, 2012
  • Attempt 3) Loan for $33,000.00 on April 21, 2013
  • Attempt 4) Loan for $31,000.00 on May 11, 2012
  • Attempt 5) Loan for $32,000.00 on August 4, 2011
  • Attempt 6) Loan for $29,000.00 on March 2, 2010

8 Months Ago, Carey Attempted to Find a High Risk Loan for $37,000.00, and it was Easy

It is an existing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Carey. Carey chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit individuals. Borrowers with credit scores as low as 404 can apply for a high risk loan and possibly can be approved.

Installment loan for Carey, a graduate of Marietta College and a personnel assistant working for over $74,000 per year

Carey, an alumnus at Marietta College and a personnel assistant in Kenosha, Wisconsin wants an emergency loan to purchase something frivolous. Carey has instead decided to obtain an installment loan for $7,000 and is currently seeking lenders like M&I Marshall and Ilsley Bank to provide it.

Personal Loan for a personnel assistant named Carey in Kenosha, Wisconsin to Pay Off Bank of Akron MasterCard

Carey had a lot of credit card debt on their USAA Secured Card Platinum MasterCard and their J. Crew Credit Card, and they were starting to get in over their heads. Despite Carey’s job as a personnel assistant, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Carey’s Transunion score was changed by the emergency loan loan, changing to 570 from 586, which is typical in our experience.

Transunion Score: 570

Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $21,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Carey needed a debt consolidation loan to pay for their existing emergency loan and their payday loan. Carey was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your dirty, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.4%.

Carey was rejected by Continental Bank & Trust Co. 5 times before being approved by Heritage Bank of Kenosha at 3928 60th Street

On March 5, 2014, Carey applied about borrowing $12,000 from Norwest Bank Wisconsin East Central with Tashina, their friend from just outside Kenosha, and even with the co-signer, Carey was rejected for this emergency loan. With fair credit, it can be challenging to procure funding, even with collateral and a co-signer.

Several other requests for credit have been made by Carey in the past, including one from First Savings and Loan Association of Suffolk in Kenosha, Wisconsin before Carey was accepted for the $164000 by Heritage Bank of Kenosha

Carey made 9 prior attempts to obtain an emergency loan, 2 of which were with First Savings and Loan Association of Suffolk, a bank in Kenosha, Wisconsin known to specialize in emergency loans specifically. Before finding Heritage Bank of Kenosha, Carey was very concerned due to their inexperience and fair credit score.

Previous requests on Carey’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$46170.00 11 7.1% $504.94 M&I Bank of Burlington May 22, 2009
$45570.00 11 7.8% $515.31 M&I Marshall and Ilsley Bank January 17, 2012
$46440.00 10 7.3% $546.42 Continental Bank & Trust Co. April 6, 2012
$46430.00 9 8.3% $611.7 Clare Bank, National Association March 7, 2013

Signature Loan found in Kenosha, Wisconsin for $164000 with fair credit by Carey

Most borrowers struggle with obtaining signature loans in Kenosha, Wisconsin, and Carey is no different. Carey went to 5 lenders or more before finding Heritage Bank of Kenosha, who offered Carey a signature loan for $164000. Most signature loans simply need a client, like Carey’s signature to obtain them, up to $47,000 in some cases. Carey was able to get $164000 as a emergency loan, which is very high for an emergency loan. Since signature loans don’t require collateral, these loans tend to need higher credit, as high as 724

Fast Loans for Carey in Kenosha, Wisconsin to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Kenosha, Wisconsin aren’t actually that difficult to obtain, particularly if you have some gumption like Carey. Carey was able to find a fast loan for $164000 from Associated Bank Milwaukee and Norwest Bank Wisconsin East Central, but turned down both offers in favor of their emergency loan from Heritage Bank of Kenosha. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference in the case that you are in a pinch.

Client Profile: Carey Warm of Kenosha, Wisconsin
  • Full name (Changed if requested): Carey Warm
  • Current Credit: loans.hit.utils.Fico@65b3120a
  • Current City: Kenosha
  • State: Wisconsin
  • Zip code: 53144
  • Yearly income: $45,000
  • Current Job: personnel assistant
  • Current County: Kenosha
  • Goal Yearly Income: $125,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Carey’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their personnel assistant job and their future career as a camp director

Fico Score: 586

Contact Details for Heritage Bank of Kenosha, the provider of this emergency loan

  • Heritage Bank of Kenosha
  • City: Kenosha
  • State: Wisconsin
  • Address: 3928 60th Street
  • County: Kenosha
  • Zip code: 53140

Conclusion of Carey’s emergency loan

In the end, Carey was able to find an emergency loan for $164000 with an interest rate of 9.0% interest APR from Heritage Bank of Kenosha in Kenosha, Wisconsin repayable over 18 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.