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$64000 Consolidation Loan In Clayton Missouri With Credit Score 401 For Stasia

$64000 Consolidation Loan – Clayton Missouri, Credit Rating Of 401

  • Experian: 418 – This individual had a bad Experian rating
  • Transunion: 389 – Stasia had a bad credit score with Transunion.
  • Equifax: Stasia’s Experian score was 401, which is a bad credit rating on the Experian system.

Previous requests on Stasia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$14300.00 10 9.5% $185.04 Camden County Bank April 24, 2009
$13890.00 7 10.1% $231.31 Glasgow Savings Bank February 22, 2010
$14140.00 5 8.1% $287.39 Central Bank August 3, 2011
$14480.00 9 11.6% $216.61 Midwest BankCentre January 17, 2014

Fast Loans for Stasia in Clayton, Missouri to prevent bankruptcy or harm from debt collectors.

Fast loans in Clayton, Missouri aren’t actually that difficult to obtain, especially if you have some finesse like Stasia. Stasia was able to find a fast loan for $64000 from Camden County Bank and Central West End Bank, but turned down both offers in favor of their consolidation loan from First Bank, A Federal Savings Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big difference if a client is in a pinch.

Paraphrased and Standardized Quote from Stasia for this consolidation loan of $64000, provided by First Bank, A Federal Savings Bank

Hello, I am Stasia and I am from Clayton in Missouri. St. Louis, county is where I grew up, and now I need a consolidation loan in Missouri for $64000 to avoid bankruptcy. It has been difficult, but First Bank, A Federal Savings Bank really came through for me with this loan for 7.7% interest APR and a term of 13 years. I will repay the loan over the 13 year term, including interest. A big thanks to First Bank, A Federal Savings Bank for trusting me and my bad credit. It look me 6 years to build my credit to 401, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Contact Details for First Bank, A Federal Savings Bank, the provider of this consolidation loan

  • First Bank, A Federal Savings Bank
  • City: Clayton
  • State: Missouri
  • Address: 135 North Meramec
  • County: St. Louis
  • Zip code: 63105

Installment loan for Stasia, a graduate of Saint Mary’s University of Minnesota and a health psychologist working for over $66,000 per year

Stasia, an alumnus at Saint Mary’s University of Minnesota and a health psychologist in Clayton, Missouri wants a consolidation loan to purchase a car. Stasia has instead decided to get an installment loan for $3,000 and is at present seeking lenders like Mercantile Bank of St. Louis National Association to process their request.

Stasia has a low current total income, but has a large amount of prospects

Stasia has always wanted to be a parking lot attendant, but would have to attend Saint Mary’s University of Minnesota again to become one. Stasia has other possibilities as well, including film editor, library consultant, and environmental research analyst, which pay $54,000 through to $104,000 per year, on average. Because of this, we believe that Stasia can afford this consolidation loan of $64000.

Client Profile: Stasia Sekulski of Clayton, Missouri
  • Full name (Changed if requested): Stasia Sekulski
  • Current Credit: loans.hit.utils.Fico@515f550a
  • Current City: Clayton
  • State: Missouri
  • Zip code: 63110
  • Yearly income: $31,000
  • Current Job: health psychologist
  • Current County: St. Louis
  • Goal Yearly Income: $87,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

6 Months Ago, Stasia Attempted Finding a High Risk Loan for $42,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Stasia. Stasia chose not to obtain a high risk loan this time. High Risk loans are given to bad credit applicants. Individuals with credit scores as low as 330 can apply for a high risk loan and possibly can be approved.

Personal Loan for a health psychologist named Stasia in Clayton, Missouri to Pay Off Ace Hardware Rewards Visa Card

Stasia had a tonne of credit card debt on their Bass Pro Shops Outdoor Rewards World MasterCard Credit Card and their FirstMerit Bank Platinum MasterCard, and they were starting to get in over their heads. Despite Stasia’s job as a health psychologist, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Before applying for this consolidation loan, Stasia had an Experian score of 418, which is bad, so First Bank, A Federal Savings Bank probably cannot provide Stasia a consolidation loan

Experian Score: 418

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $23,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Stasia required a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Stasia was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.3%.

Stasia’s Transunion score was altered by the consolidation loan loan, changing to 389 from 401, which is typical in our experience.

Transunion Score: 389

Signature Loan found in Clayton, Missouri for $64000 with bad credit by Stasia

Most prospective borrowers have difficulty with finding signature loans in Clayton, Missouri, and Stasia is no different. Stasia went to 8 lending institutions or more prior to finding First Bank, A Federal Savings Bank, who offered Stasia a signature loan for $64000. Most signature loans simply need a client, like Stasia’s signature to get them, up to $36,000 in some cases. Stasia was able to get $64000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans do not need collateral, they generally need improved credit, as high as 711

When Stasia was 22, they attempted to obtain a student loan from 4 different banks, which harmed their credit rating. Below is a list of Stasia’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on April 26, 2012
  • Attempt 2) Loan for $21,000.00 on March 18, 2010
  • Attempt 3) Loan for $20,000.00 on March 30, 2012
  • Attempt 4) Loan for $32,000.00 on April 25, 2009

Stasia’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their health psychologist job and their future job as a parking lot attendant

Fico Score: 401

Many past requests for credit have been made by Stasia in the past, including one from Miners Savings Bank of Pittston in Clayton, Missouri before Stasia was approved for the $64000 by First Bank, A Federal Savings Bank

Stasia made 6 previous tries to obtain a consolidation loan, 2 of which were with Miners Savings Bank of Pittston, a lender in Clayton, Missouri known to specialize in consolidation loans specifically. Before finding First Bank, A Federal Savings Bank, Stasia was concerned due to their inexperience and bad credit rating.

Stasia was declined by Wood & Huston Bank 5 times prior to being accepted by First Bank, A Federal Savings Bank at 135 North Meramec

On April 6, 2010, Stasia applied about borrowing $12,000 from Central Bank with Angel, their in law from just outside Clayton, and even with the co-signer, Stasia was rejected for this consolidation loan. With bad credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Conclusion of Stasia’s consolidation loan

In the end, Stasia was able to find a consolidation loan for $64000 with an interest rate of 6.6% interest APR from First Bank, A Federal Savings Bank in Clayton, Missouri repayable over 13 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.