$4000 Emergency Loan – Hays Kansas, Credit Score Of 398
- Experian: 415 – The client had a terrible Experian score
- Transunion: 381 – Dane had a terrible credit rating with Transunion.
- Equifax: Dane’s Experian score was 398, which is a terrible credit rating using the Experian rating scheme.
Installment loan for Dane, a graduate of The General Theological Seminary and a respiratory therapist working for over $78,000 per year
Dane, an alumnus at The General Theological Seminary and a respiratory therapist in Hays, Kansas needs an emergency loan to purchase something frivolous. Dane has instead decided to obtain an installment loan for $14,000 and is currently seeking lenders like The Mission State Bank & Trust Company to provide it.
Previous requests on Dane’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$10890.00||3||11.1%||$357.04||Citizens Bank and Trust Company||November 24, 2011|
|$11300.00||4||11.2%||$293.15||The Morrill and Janes Bank and Trust Company||September 16, 2013|
|$11150.00||10||8.5%||$138.24||The Citizens State Bank, Liberal, Kansas||May 9, 2014|
|$10890.00||5||7.5%||$218.21||Citizens State Bank||February 18, 2015|
Paraphrased and Standardized Quote from Dane for this emergency loan of $4000, provided by First of Kansas Building and Savingsa
Hi, I am Dane and my hometown is Hays in Kansas. Ellis, county is where I grew up, and now I need a emergency loan in Kansas for $4000 to avoid bankruptcy. It has been difficult, but First of Kansas Building and Savingsa really came through for me with this loan for 7.2% interest APR and a term of 9 years. I will repay the loan over the 9 year term, including interest. A big thanks to First of Kansas Building and Savingsa for trusting me and my terrible credit. It look me 9 years to create my credit to 398, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.
Multiple past requests for credit have been made by Dane in the past, including one from Citizens Bank & Trust Company in Hays, Kansas before Dane was accepted for the $4000 by First of Kansas Building and Savingsa
Dane made 6 prior attempts to obtain an emergency loan, 2 of which were with Citizens Bank & Trust Company, a lender in Hays, Kansas known to specialize in emergency loans specifically. Before finding First of Kansas Building and Savingsa, Dane was concerned due to their inexperience and terrible credit score.
Before applying for this emergency loan, Dane had an Experian score of 415, which is terrible, so First of Kansas Building and Savingsa most likely cannot provide Dane an emergency loan
Dane’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their respiratory therapist job and their future job as a high school teacher
9 Months in the Past, Dane Attempted Finding a High Risk Loan for $37,000.00, and it was Hard
It is an well known struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Dane. Dane decided not to get a high risk loan this time. High Risk loans are given to bad credit borrowers. Individuals with credit ratings as low as 571 can apply for a high risk loan and may be be approved.
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans range from $24,000.00 to $42,000.00. They are typically used to pay off existing high interest loans like credit cards. Dane needed a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Dane was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.0%.
Fast Loans for Dane in Hays, Kansas to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Hays, Kansas aren’t actually that difficult to obtain, particularly if you have some finesse like Dane. Dane was able to find a fast loan for $4000 from Citizens State Bank and The American State Bank, but turned down both offers in favor of their emergency loan from First of Kansas Building and Savingsa. 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 debt consolidation loans. Much better if a client is in a pinch.
Dane’s Transunion score was altered by the emergency loan loan, changing to 381 from 398, which is normal in our experience.
Dane has a disappointing current total income, but has a large amount of prospects
Dane has always wanted to be a high school teacher, but would have to attend The General Theological Seminary again to become one. Dane has other prospects as well, including power-line installer and mechanic, reservation ticket agent, and experimental psychologist, which pay $59,000 through to $103,000 per year, at least. For this reason, we think that Dane can pay for this emergency loan of $4000.
Personal Loan for a respiratory therapist named Dane in Hays, Kansas to Pay Off Ace Rewards Visa Signature Card
Dane had a lot of credit card debt on their Alaska Airlines Visa Signature Card and their Tompkins Trust Company Visa Business Card, and they were starting to get in over their heads. Despite Dane’s job as a respiratory therapist, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.
When Dane was 24, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a chronology of Dane’s previous attempts at finding a student loan:
- Attempt 1) Loan for $25,000.00 on October 5, 2009
- Attempt 2) Loan for $24,000.00 on June 3, 2009
- Attempt 3) Loan for $27,000.00 on July 9, 2010
- Attempt 4) Loan for $31,000.00 on June 15, 2009
- Attempt 5) Loan for $27,000.00 on July 9, 2009
Dane was declined by Fidelity State Bank and Trust Company 6 times before being approved by First of Kansas Building and Savingsa at 1200 East 27th Street
On September 9, 2013, Dane applied about borrowing $2,000 from Bank IV Kansas City, National Association with Margret, their friend from just outside Hays, and even with the co-signer, Dane was rejected for this emergency loan. With terrible credit, it can be very hard to obtain funding, even with collateral and a co-signer.
- Full name (Changed if requested): Dane Burkham
- Current Credit: loans.hit.utils.Fico@2437c6dc
- Current City: Hays
- State: Kansas
- Zip code: 67608
- Yearly income: $36,000
- Current Job: respiratory therapist
- Current County: Ellis
- Goal Yearly Income: $94,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Signature Loan easily acquired in Hays, Kansas for $4000 with terrible credit by Dane
Many clients have difficulty with obtaining signature loans in Hays, Kansas, and Dane is no different. Dane went to 6 lending institutions or more prior to settling on First of Kansas Building and Savingsa, who offered Dane a signature loan for $4000. Most signature loans simply require a client, like Dane’s signature to obtain them, up to $45,000 in some cases. Dane was able to get $4000 as a emergency loan, which is very high for an emergency loan. Since signature loans don’t require collateral, these loans generally require improved credit, as high as 774
Contact Details for First of Kansas Building and Savingsa, the provider of this emergency loan
- First of Kansas Building and Savingsa
- City: Hays
- State: Kansas
- Address: 1200 East 27th Street
- County: Ellis
- Zip code: 67601
Conclusion of Dane’s emergency loan
In the end, Dane was able to find an emergency loan for $4000 with an interest rate of 6.8% interest APR from First of Kansas Building and Savingsa in Hays, Kansas repayable over 9 years from today.