$18000 Private Loan – Marionville Missouri, Credit Score Of 436
- Experian: 447 – The client had a bad Experian rating
- Transunion: 417 – Latoyia had a bad credit rating with Transunion.
- Equifax: Latoyia’s Experian score was 436, which is a bad credit rating with the Experian scale.
Latoyia’s Transunion score was altered by the private loan loan, changing to 417 from 436, which is normal in our experience.
Installment loan for Latoyia, a graduate of John Tyler Community College and a radio & tv announcer working for over $67,000 per year
Latoyia, an alumnus at John Tyler Community College and a radio & tv announcer in Marionville, Missouri wants a private loan to purchase a car. Latoyia has instead chosen to obtain an installment loan for $19,000 and is at present seeking lenders like Jefferson Bank and Trust Company to provide it.
Paraphrased and Standardized Quote from Latoyia for this private loan of $18000, provided by First State Bank of Marionville
Hi, I am Latoyia and I’m from Marionville in Missouri. Lawrence, county is where I grew up, and now I need a private loan in Missouri for $18000 to buy a big ticket item. It wasn’t easy, but First State Bank of Marionville really came through for me with this loan for 10.5% interest APR and a term of 11 years. I can probably repay the loan over the 11 year term, including interest. A big thanks to First State Bank of Marionville for trusting me and my bad credit. It look me 6 years to build my credit to 436, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $24,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Latoyia required a debt consolidation loan to pay for their existing private loan and their loan shark loan. Latoyia was able to find a private loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your dirty, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.0%.
Personal Loan for a radio & tv announcer named Latoyia in Marionville, Missouri to Pay Off Baby Phat Prepaid Visa RushCard
Latoyia had a tonne of credit card debt on their USAA Rewards Visa and their Toys ‘R Us Platinum Mastercard, and they were starting to get in over their heads. Despite Latoyia’s job as a radio & tv announcer, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Contact Details for First State Bank of Marionville, the provider of this private loan
- First State Bank of Marionville
- City: Marionville
- State: Missouri
- Address: 511 Chestnut
- County: Lawrence
- Zip code: 65705
- Full name (Changed if requested): Latoyia Illes
- Current Credit: loans.hit.utils.Fico@46fbb2c1
- Current City: Marionville
- State: Missouri
- Zip code: 65713
- Yearly income: $48,000
- Current Job: radio & tv announcer
- Current County: Lawrence
- Goal Yearly Income: $107,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Several other requests for credit have been made by Latoyia in the past, including one from Citizens and Builders FSB in Marionville, Missouri before Latoyia was accepted for the $18000 by First State Bank of Marionville
Latoyia made 8 prior attempts to obtain a private loan, 2 of which were with Citizens and Builders FSB, a lending institution in Marionville, Missouri known to specialize in private loans specifically. Prior to finding First State Bank of Marionville, Latoyia was concerned due to their inexperience and bad credit rating.
Fast Loans for Latoyia in Marionville, Missouri to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Marionville, Missouri aren’t actually that difficult to obtain, particularly if you have some gumption like Latoyia. Latoyia was able to find a fast loan for $18000 from Mercantile Bank of St. Louis National Association and Wood & Huston Bank, but turned down both offers in favor of their private loan from First State Bank of Marionville. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. An improvement if a client is on the go.
Before applying for this private loan, Latoyia had an Experian score of 447, which is bad, so First State Bank of Marionville likely cannot provide Latoyia a private loan
Previous requests on Latoyia’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$82810.00||10||11.1%||$1145.4||Camden County Bank||June 16, 2011|
|$82900.00||9||8.8%||$1113.94||Glasgow Savings Bank||March 2, 2014|
|$82600.00||3||11.1%||$2708.13||Central Bank||November 6, 2014|
|$83340.00||9||7.3%||$1054.98||Midwest BankCentre||January 13, 2015|
|$82850.00||4||8.5%||$2042.11||Commerce Bank of Richmond Heights||August 13, 2015|
Signature Loan easily acquired in Marionville, Missouri for $18000 with bad credit by Latoyia
Most prospective borrowers have difficulty with finding signature loans in Marionville, Missouri, and Latoyia is no exception. Latoyia went to 4 lenders or more before settling on First State Bank of Marionville, who offered Latoyia a signature loan for $18000. Typical signature loans simply require a client, like Latoyia’s signature to obtain them, up to $48,000 in some cases. Latoyia was able to get $18000 as a private loan, which is very high for a private loan. Since signature loans don’t need a cosigner, these loans tend to require better credit, as high as 709
When Latoyia was 19, they tried to obtain a student loan from 4 alternate lenders, which harmed their credit score. Below is a chronology of Latoyia’s prior attempts at finding a student loan:
- Attempt 1) Loan for $32,000.00 on July 23, 2010
- Attempt 2) Loan for $32,000.00 on December 16, 2009
- Attempt 3) Loan for $26,000.00 on March 16, 2012
- Attempt 4) Loan for $34,000.00 on March 20, 2011
Latoyia’s Overall FICO score at the time of acceptance for a private loan, taking into account their radio & tv announcer job and their future job as an automobile mechanic
9 Months Ago, Latoyia Attempted to Find a High Risk Loan for $44,000.00, and it was Easy
There is an ongoing struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Latoyia. Latoyia decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Clients with credit ratings as low as 516 can apply for a high risk loan and may be be accepted.
Latoyia has a low current total income, but has a large amount of prospects
Latoyia has always wanted to be an automobile mechanic, but would have to attend John Tyler Community College again to achieve it. Latoyia has other possibilities as well, including ophthalmic laboratory technician, freight and stock handler, and family practitioner, which pay $54,000 through to $97,000 per year, at least. Because of this, we believe that Latoyia can pay for this private loan of $18000.
Latoyia was not approved by Midwest BankCentre 6 times prior to being approved by First State Bank of Marionville at 511 Chestnut
On October 30, 2008, Latoyia inquired about borrowing $35,000 from Commerce Bank of Mound City with Marth, their in law from just outside Marionville, and even with the co-signer, Latoyia was rejected for this private loan. With bad credit, it can be a challenge to obtain financing, even with collateral and a co-signer.
Conclusion of Latoyia’s private loan
In the end, Latoyia was able to find a private loan for $18000 with an interest rate of 11.4% interest APR from First State Bank of Marionville in Marionville, Missouri repayable over 11 years from today.