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Personal Loan Of $96000 For Fair Credit Montana Resident

$96000 Personal Loan – Hamilton Montana, Credit Score Of 536

  • Experian: 551 – They had a fair Experian rating
  • Transunion: 518 – Ben had a fair credit score with Transunion.
  • Equifax: Ben’s Experian score was 536, which is a fair credit score on the Experian system.

Paraphrased and Standardized Quote from Ben for this personal loan of $96000, provided by First Federal Savings and Loan Association of Montana

Hello, I am Ben and I am from Hamilton in Montana. Ravalli, county is where I grew up, and now I need a personal loan in Montana for $96000 to buy a big ticket item. It has been difficult, but First Federal Savings and Loan Association of Montana really came through for me with this loan for 10.5% interest APR and a term of 10 years. I can repay the loan over the 10 year term, including interest. A big thanks to First Federal Savings and Loan Association of Montana for trusting me and my fair credit. It look me 6 years to create my credit to 536, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

When Ben was 18, they attempted to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a list of Ben’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on January 8, 2010
  • Attempt 2) Loan for $24,000.00 on June 25, 2013
  • Attempt 3) Loan for $39,000.00 on July 18, 2010
  • Attempt 4) Loan for $31,000.00 on May 6, 2011
  • Attempt 5) Loan for $23,000.00 on February 23, 2013

Signature Loan easily acquired in Hamilton, Montana for $96000 with fair credit by Ben

Many clients have difficulty with finding signature loans in Hamilton, Montana, and Ben is not an exception. Ben went to 8 lenders or more before finding First Federal Savings and Loan Association of Montana, who offered Ben a signature loan for $96000. Most signature loans simply require a client, like Ben’s signature to obtain them, up to $39,000 in some cases. Ben was able to get $96000 as a personal loan, which is very high for a personal loan. Because signature loans don’t need collateral, they generally need better credit, as high as 763

Installment loan for Ben, a graduate of “American Language Academy, California” and a restaurant manager working for over $66,000 per year

Ben, an alumnus at “American Language Academy, California” and a restaurant manager in Hamilton, Montana wants a personal loan to purchase a new cell phone. Ben has instead chosen to obtain an installment loan for $16,000 and is at present seeking lenders like Montana Bank of Roundup, N. A. to process their request.

Personal Loan for a restaurant manager named Ben in Hamilton, Montana to Pay Off Los Angeles Angels BankAmericard Cash Rewards MasterCard

Ben had a tonne of credit card debt on their US Squash Rewards Visa and their Atlantic Stewardship Bank Secured Visa Card, and they were starting to get in over their heads. Despite Ben’s job as a restaurant manager, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Fast Loans for Ben in Hamilton, Montana to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Hamilton, Montana aren’t actually that difficult to obtain, especially if you have some finesse like Ben. Ben was able to find a fast loan for $96000 from First Interstate Bank and Clarks Fork National Bank, but turned down both offers in favor of their personal loan from First Federal Savings and Loan Association of Montana. 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 7 weeks for installment loans. A big difference in the case that you are in a pinch.

6 Months Ago, Ben Tried Finding a High Risk Loan for $21,000.00, and it was Hard

It is an ongoing struggle for borrowers to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Ben. Ben decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Borrowers with credit ratings as low as 550 can inquire for a high risk loan and have a chance to be accepted.

Ben’s Transunion score was altered by the personal loan loan, changing to 518 from 536, which is normal in our experience.

Transunion Score: 518

Contact Details for First Federal Savings and Loan Association of Montana, the provider of this personal loan

  • First Federal Savings and Loan Association of Montana
  • City: Hamilton
  • State: Montana
  • Address: 711 South First
  • County: Ravalli
  • Zip code: 59840

Ben’s Overall FICO score at the time of acceptance for a personal loan, taking into account their restaurant manager job and their future career as a cost analysis engineer

Fico Score: 536

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

Most debt consolidation loans vary from $36,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Ben required a debt consolidation loan to pay for their existing personal loan and their credit card. Ben was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.2%.

Ben has a sad current total income, but has a high number of prospects

Ben has always wanted to be a cost analysis engineer, but would have to attend “American Language Academy, California” again to achieve it. Ben has other possibilities as well, including graduate teaching assistant, dairy technologist, and education professor, which pay $51,000 through to $100,000 per year, at least. For this reason, we think that Ben can pay for this personal loan of $96000.

Multiple previous requests for credit have been made by Ben in the past, including one from Republic Bank of Shelby County in Hamilton, Montana before Ben was accepted for the $96000 by First Federal Savings and Loan Association of Montana

Ben made 6 previous attempts to obtain a personal loan, 2 of which were with Republic Bank of Shelby County, a bank in Hamilton, Montana known to specialize in personal loans specifically. Before finding First Federal Savings and Loan Association of Montana, Ben was very concerned due to their inexperience and fair credit rating.

Ben was rejected by First Security Bank 4 times before being approved by First Federal Savings and Loan Association of Montana at 711 South First

On December 20, 2012, Ben inquired about borrowing $29,000 from State Bank of Terry with Jeneva, their in law from just outside Hamilton, and even with the co-signer, Ben was rejected for this personal loan. With fair credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Client Profile: Ben Pietras of Hamilton, Montana
  • Full name (Changed if requested): Ben Pietras
  • Current Credit: loans.hit.utils.Fico@4dcbadb4
  • Current City: Hamilton
  • State: Montana
  • Zip code: 59843
  • Yearly income: $45,000
  • Current Job: restaurant manager
  • Current County: Ravalli
  • Goal Yearly Income: $110,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Previous requests on Ben’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$88550.00 8 10.3% $1357.77 Western Bank of Wolf Point June 13, 2009
$89460.00 3 9.7% $2874.04 Farmers State Bank March 19, 2011
$88720.00 10 11.4% $1242.29 Bank of Montana Shelby October 5, 2011
$88740.00 3 7.8% $2772.61 Security State Bank, Harlem, Montana November 23, 2012

Before applying for this personal loan, Ben had an Experian score of 551, which is fair, so First Federal Savings and Loan Association of Montana probably cannot provide Ben a personal loan

Experian Score: 551

Conclusion of Ben’s personal loan

In the end, Ben was able to find a personal loan for $96000 with an interest rate of 7.5% interest APR from First Federal Savings and Loan Association of Montana in Hamilton, Montana repayable over 10 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.