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$152000 Secured Loan With Bad Credit In Springfield Missouri

$152000 Secured Loan – Springfield Missouri, Credit Rating Of 412

  • Experian: 425 – This client had a bad Experian score
  • Transunion: 399 – Graciela had a bad credit score with Transunion.
  • Equifax: Graciela’s Experian score was 412, which is a bad credit score using the Experian scale.

When Graciela was 20, they tried to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a list of Graciela’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on December 18, 2010
  • Attempt 2) Loan for $20,000.00 on August 20, 2009
  • Attempt 3) Loan for $29,000.00 on September 1, 2011
  • Attempt 4) Loan for $32,000.00 on April 28, 2010

Graciela’s Transunion score was altered by the secured loan loan, changing to 399 from 412, which is typical in our experience.

Transunion Score: 399

6 Months Ago, Graciela Tried Finding a High Risk Loan for $39,000.00, and it was Hard

It is an existing struggle for clients to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Graciela. Graciela decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Individuals with credit ratings as low as 332 can apply for a high risk loan and may be be accepted.

Contact Details for Village Bank, the provider of this secured loan

  • Village Bank
  • City: Springfield
  • State: Missouri
  • Address: 2360 East Sunshine
  • County: Greene
  • Zip code: 65804

Signature Loan found in Springfield, Missouri for $152000 with bad credit by Graciela

Most prospective borrowers struggle with finding signature loans in Springfield, Missouri, and Graciela is no different. Graciela went to 6 lenders or more before finding Village Bank, who offered Graciela a signature loan for $152000. Most signature loans simply require a client, like Graciela’s signature to get them, up to $27,000 in some cases. Graciela was able to get $152000 as a secured loan, which is very high for a secured loan. Because signature loans do not require a cosigner, these loans tend to require higher credit, as high as 755

Many other requests for credit have been made by Graciela in the past, including one from Texas Bank in Springfield, Missouri before Graciela was accepted for the $152000 by Village Bank

Graciela made 8 previous tries to obtain a secured loan, 2 of which were with Texas Bank, a lending institution in Springfield, Missouri known to specialize in secured loans specifically. Prior to finding Village Bank, Graciela was desperate due to their inexperience and bad credit rating.

Graciela’s Overall FICO score at the time of acceptance for a secured loan, taking into account their real estate broker job and their future career as a sales representative

Fico Score: 412

Paraphrased and Standardized Quote from Graciela for this secured loan of $152000, provided by Village Bank

Hello, I am Graciela and I’m from Springfield in Missouri. Greene, county is where I grew up, and now I need a secured loan in Missouri for $152000 to buy a big ticket item. It wasn’t easy, but Village Bank really came through for me with this loan for 7.4% interest APR and a term of 1 years. I will repay the loan over the 1 year term, including interest. A big thanks to Village Bank for trusting me and my bad credit. It look me 9 years to build my credit to 412, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Graciela was rejected by Commerce Bank of Mound City 4 times prior to being granted funding by Village Bank at 2360 East Sunshine

On December 16, 2011, Graciela applied about borrowing $27,000 from Southwest Bank, An M&I Bank with Chang, their friend from just outside Springfield, and even with the co-signer, Graciela was rejected for this secured loan. With bad credit, it can be challenging to procure funding, even with collateral and a co-signer.

Fast Loans for Graciela in Springfield, Missouri to prevent bankruptcy or harm from debt collectors.

Fast loans in Springfield, Missouri aren’t actually that difficult to obtain, particularly if you have some gumption like Graciela. Graciela was able to find a fast loan for $152000 from Bremen Bank and Trust Company and Central Bank, but declined both offers in favor of their secured loan from Village Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. An improvement if you are in a time sensitive situation.

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

Most debt consolidation loans range from $36,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Graciela required a debt consolidation loan to pay for their existing secured loan and their credit card. Graciela was able to find a secured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.1%.

Client Profile: Graciela Mutana of Springfield, Missouri
  • Full name (Changed if requested): Graciela Mutana
  • Current Credit: loans.hit.utils.Fico@378fd1ac
  • Current City: Springfield
  • State: Missouri
  • Zip code: 65805
  • Yearly income: $54,000
  • Current Job: real estate broker
  • Current County: Greene
  • Goal Yearly Income: $128,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Personal Loan for a real estate broker named Graciela in Springfield, Missouri to Pay Off Fashion Bug Credit Card

Graciela had a lot of credit card debt on their Fifth Third Bank Responsible MasterCard and their AOPA Rewards American Express Card, and they were starting to get in over their heads. Despite Graciela’s job as a real estate broker, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Installment loan for Graciela, a graduate of Rizzieri Aveda School for Beauty and Wellness and a real estate broker working for over $73,000 per year

Graciela, an alumnus at Rizzieri Aveda School for Beauty and Wellness and a real estate broker in Springfield, Missouri needs a secured loan to purchase a house. Graciela has instead chosen to obtain an installment loan for $24,000 and is currently seeking lenders like Mercantile Bank of Franklin County to provide it.

Graciela has a disappointing current gross income, but has a high number of prospects

Graciela has always wanted to be a sales representative, but would need attend Rizzieri Aveda School for Beauty and Wellness again to become one. Graciela has other possibilities as well, including casino floor person, greenhouse and nursery manager, and vocational education teachers, which pay $55,000 through to $109,000 per year, on average. Because of this, we believe that Graciela can pay for this secured loan of $152000.

Before applying for this secured loan, Graciela had an Experian score of 425, which is bad, so Village Bank most likely cannot provide Graciela a secured loan

Experian Score: 425

Previous requests on Graciela’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$93330.00 3 9.2% $2976.56 Camden County Bank April 20, 2011
$92710.00 9 5.2% $1076.73 Glasgow Savings Bank June 13, 2012
$92590.00 10 8.8% $1162.89 Central Bank July 11, 2014
$93230.00 9 11.2% $1373.9 Midwest BankCentre October 10, 2014
$92800.00 5 6.4% $1811.39 Commerce Bank of Richmond Heights April 17, 2015

Conclusion of Graciela’s secured loan

In the end, Graciela was able to find a secured loan for $152000 with an interest rate of 7.5% interest APR from Village Bank in Springfield, Missouri repayable over 1 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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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.