$96000 Student Loan – Kansas City Missouri, Credit Rating Of 809
- Experian: 822 – This individual had an excellent Experian rating
- Transunion: 797 – Luana had an excellent credit rating with Transunion.
- Equifax: Luana’s Experian score was 809, which is an excellent credit score with the Experian scale.
Installment loan for Luana, a graduate of Little Big Horn College and an animal trainer working for over $73,000 per year
Luana, an alumnus at Little Big Horn College and an animal trainer in Kansas City, Missouri wants a student loan to purchase a new cell phone. Luana has instead decided to obtain an installment loan for $23,000 and is at present seeking lenders like Mercantile Bank of West Central Missouri to provide it.
- Full name (Changed if requested): Luana Schuckert
- Current Credit: loans.hit.utils.Fico@7a46a697
- Current City: Kansas City
- State: Missouri
- Zip code: 64131
- Yearly income: $48,000
- Current Job: animal trainer
- Current County: Jackson
- Goal Yearly Income: $127,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Paraphrased and Standardized Quote from Luana for this student loan of $96000, provided by Swope Parkway National Bank
Hello, I am Luana and I’m from Kansas City in Missouri. Jackson, county is where I grew up, and now I need a student loan in Missouri for $96000 to buy a big ticket item. It wasn’t easy, but Swope Parkway National Bank really came through for me with this loan for 11.5% interest APR and a term of 3 years. I can probably repay the loan over the 3 year term, including interest. A big thanks to Swope Parkway National Bank for trusting me and my excellent credit. It look me 4 years to create my credit to 809, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.
Luana has a low current gross income, but has several of prospects
Luana has always wanted to be an insurance agent, but would need attend Little Big Horn College again to become one. Luana has other prospects as well, including non-retail sales supervisor, marine surveyor, and title examiner, which pay $52,000 through to $108,000 per year, on average. For this reason, we think that Luana can afford this student loan of $96000.
When Luana was 22, they tried to obtain a student loan from 7 alternate lenders, which damaged their credit score. Below is a list of Luana’s prior attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on September 13, 2009
- Attempt 2) Loan for $30,000.00 on July 23, 2009
- Attempt 3) Loan for $33,000.00 on July 20, 2009
- Attempt 4) Loan for $21,000.00 on October 3, 2009
- Attempt 5) Loan for $29,000.00 on January 23, 2011
- Attempt 6) Loan for $33,000.00 on January 1, 2012
- Attempt 7) Loan for $21,000.00 on February 21, 2011
Personal Loan for an animal trainer named Luana in Kansas City, Missouri to Pay Off HAS Advantage Visa College Card
Luana had a lot of credit card debt on their Avon Old Farms School Visa Card and their Old Navy Credit Card, and they were starting to get in over their heads. Despite Luana’s job as an animal trainer, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Luana’s Overall FICO score at the time of acceptance for a student loan, taking into account their animal trainer job and their future job as an insurance agent
Signature Loan acquired in Kansas City, Missouri for $96000 with excellent credit by Luana
Most clients struggle with obtaining signature loans in Kansas City, Missouri, and Luana is not an exception. Luana went to 4 lending institutions or more prior to settling on Swope Parkway National Bank, who offered Luana a signature loan for $96000. Most signature loans simply require a client, like Luana’s signature to obtain them, up to $24,000 in some cases. Luana was able to get $96000 as a student loan, which is very high for a student loan. Because signature loans do not require collateral, these loans tend to need higher credit, as high as 747
Contact Details for Swope Parkway National Bank, the provider of this student loan
- Swope Parkway National Bank
- City: Kansas City
- State: Missouri
- Address: 4900 Swope Parkway
- County: Jackson
- Zip code: 64130
Fast Loans for Luana in Kansas City, Missouri to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Kansas City, Missouri aren’t actually that difficult to obtain, particularly if you have some finesse like Luana. Luana was able to find a fast loan for $96000 from Mercantile Bank National Association and The Bank of Versailles, but turned down both offers in favor of their student loan from Swope Parkway National Bank. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. Much better in the case that you are on the go.
Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans range from $29,000.00 to $41,000.00. They are typically used to pay off existing high interest loans like credit cards. Luana required a debt consolidation loan to pay for their existing student loan and their loan shark loan. Luana was able to find a student loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.7%.
Before applying for this student loan, Luana had an Experian score of 822, which is excellent, so Swope Parkway National Bank likely cannot provide Luana a student loan
Previous requests on Luana’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$59860.00||11||10.4%||$763.05||Camden County Bank||December 17, 2010|
|$59810.00||10||7.8%||$719.36||Glasgow Savings Bank||March 10, 2013|
|$60310.00||3||8.2%||$1895.47||Central Bank||June 29, 2013|
|$59720.00||7||8.1%||$933.79||Midwest BankCentre||November 21, 2013|
|$60450.00||5||6.8%||$1191.29||Commerce Bank of Richmond Heights||December 12, 2013|
Multiple previous requests for credit have been made by Luana in the past, including one from United Jersey Bank/North in Kansas City, Missouri before Luana was accepted for the $96000 by Swope Parkway National Bank
Luana made 9 previous tries to obtain a student loan, 2 of which were with United Jersey Bank/North, a lender in Kansas City, Missouri known to specialize in student loans specifically. Before finding Swope Parkway National Bank, Luana was desperate due to their inexperience and excellent credit rating.
8 Months in the Past, Luana Tried Finding a High Risk Loan for $30,000.00, but They Didn’t Find What They were Expecting
It is an well known struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Luana. Luana decided not to obtain a high risk loan this time. High Risk loans are given to terrible credit applicants. Individuals with credit ratings as low as 429 can inquire for a high risk loan and may be be approved.
Luana was not approved by Boatmen’s Bank of Webster Groves 7 times before being approved by Swope Parkway National Bank at 4900 Swope Parkway
On November 14, 2011, Luana applied about borrowing $8,000 from Bank of Craig with Forest, their in law from just outside Kansas City, and even with the co-signer, Luana was rejected for this student loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.
Luana’s Transunion score was changed by the student loan loan, changing to 797 from 809, which is typical in our experience.
Conclusion of Luana’s student loan
In the end, Luana was able to find a student loan for $96000 with an interest rate of 8.4% interest APR from Swope Parkway National Bank in Kansas City, Missouri repayable over 3 years from today.