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$196000 Emergency Loan With Good Credit In Mount Horeb Wisconsin

$196000 Emergency Loan – Mount Horeb Wisconsin, Credit Rating Of 628

  • Experian: 647 – This client had a good Experian rating
  • Transunion: 610 – Kris had a good credit rating with Transunion.
  • Equifax: Kris’s Experian score was 628, which is a good credit score using the Experian system.

Before applying for this emergency loan, Kris had an Experian score of 647, which is good, so State Bank of Mount Horeb most likely cannot provide Kris an emergency loan

Experian Score: 647

Personal Loan for a paste-up worker named Kris in Mount Horeb, Wisconsin to Pay Off CoreFirst Bank & Trust Gold Classic Card

Kris had a lot of credit card debt on their Diamond Resorts International MasterCard and their Virgin Atlantic Black Card, and they were starting to get in over their heads. Despite Kris’s job as a paste-up worker, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Kris Kuser of Mount Horeb, Wisconsin
  • Full name (Changed if requested): Kris Kuser
  • Current Credit: loans.hit.utils.Fico@65e579dc
  • Current City: Mount Horeb
  • State: Wisconsin
  • Zip code: 53580
  • Yearly income: $61,000
  • Current Job: paste-up worker
  • Current County: Dane
  • Goal Yearly Income: $117,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

When Kris was 18, they attempted to obtain a student loan from 5 different banks, which damaged their credit rating. Below is a list of Kris’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on October 6, 2012
  • Attempt 2) Loan for $33,000.00 on February 7, 2012
  • Attempt 3) Loan for $33,000.00 on December 18, 2008
  • Attempt 4) Loan for $21,000.00 on December 8, 2009
  • Attempt 5) Loan for $25,000.00 on January 3, 2011

Contact Details for State Bank of Mount Horeb, the provider of this emergency loan

  • State Bank of Mount Horeb
  • City: Mount Horeb
  • State: Wisconsin
  • Address: 100 South First Street
  • County: Dane
  • Zip code: 53572

Kris has a sad current yearly income, but has a high number of prospects

Kris has always wanted to be an it administrator, but would need attend Adams State University again to achieve it. Kris has other possibilities as well, including computer customer support specialist, boat builder, and human factors psychologist, which pay $55,000 through to $100,000 per year, on average. For this reason, we think that Kris can pay for this emergency loan of $196000.

Kris’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their paste-up worker job and their future job as an it administrator

Fico Score: 628

8 Months in the Past, Kris Attempted to Find a High Risk Loan for $38,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Kris. Kris decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Borrowers with credit scores as low as 557 can inquire for a high risk loan and have a chance to be approved.

Paraphrased and Standardized Quote from Kris for this emergency loan of $196000, provided by State Bank of Mount Horeb

Hello, I am Kris and my hometown is Mount Horeb in Wisconsin. Dane, county is where I grew up, and now I need a emergency loan in Wisconsin for $196000 to buy a car. It wasn’t easy, but State Bank of Mount Horeb really came through for me with this loan for 11.4% interest APR and a term of 6 years. I will repay the loan over the 6 year term, including interest. A big thanks to State Bank of Mount Horeb for trusting me and my good credit. It look me 8 years to create my credit to 628, and I won’t harm it any more. I am pleased with Find Texas Loans for helping me this far.

Previous requests on Kris’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$38360.00 9 5.6% $452.99 M&I Bank of Burlington August 24, 2012
$38180.00 5 10.8% $826.32 M&I Marshall and Ilsley Bank December 27, 2014
$38100.00 8 9.3% $564.12 Continental Bank & Trust Co. July 14, 2015
$37580.00 8 7.1% $514.23 Clare Bank, National Association July 21, 2015
$38210.00 8 10.1% $581.83 Norwest Bank Wisconsin East Central August 10, 2015

Installment loan for Kris, a graduate of Adams State University and a paste-up worker working for over $78,000 per year

Kris, an alumnus at Adams State University and a paste-up worker in Mount Horeb, Wisconsin needs an emergency loan to purchase a car. Kris has instead decided to obtain an installment loan for $18,000 and is at present seeking lenders like M&I Bay View State Bank to provide it.

Kris’s Transunion score was changed by the emergency loan loan, changing to 610 from 628, which is normal in our experience.

Transunion Score: 610

Fast Loans for Kris in Mount Horeb, Wisconsin to prevent bankruptcy or harm from debt collectors.

Fast loans in Mount Horeb, Wisconsin aren’t actually that difficult to obtain, particularly if you have some gumption like Kris. Kris was able to find a fast loan for $196000 from S & C Bank, Chippewa and Norwest Bank Wisconsin Appleton, but declined both offers in favor of their emergency loan from State Bank of Mount Horeb. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. An improvement in the case that you are in a pinch.

Several other requests for credit have been made by Kris in the past, including one from First Bank of East Tennessee, National Association in Mount Horeb, Wisconsin before Kris was accepted for the $196000 by State Bank of Mount Horeb

Kris made 7 previous tries to obtain an emergency loan, 2 of which were with First Bank of East Tennessee, National Association, a lender in Mount Horeb, Wisconsin known to specialize in emergency loans specifically. Before finding State Bank of Mount Horeb, Kris was very concerned due to their inexperience and good credit score.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $26,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Kris needed a debt consolidation loan to pay for their existing emergency loan and their payday loan. Kris was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing 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 3.1%.

Kris was declined by United Bank and Trust of Madison 4 times prior to being accepted by State Bank of Mount Horeb at 100 South First Street

On October 24, 2013, Kris applied about borrowing $14,000 from Baylake Bank with Marlin, their friend from just outside Mount Horeb, and even with the co-signer, Kris was rejected for this emergency loan. With good credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Signature Loan found in Mount Horeb, Wisconsin for $196000 with good credit by Kris

Many clients struggle with obtaining signature loans in Mount Horeb, Wisconsin, and Kris is no exception. Kris went to 5 lenders or more prior to finding State Bank of Mount Horeb, who offered Kris a signature loan for $196000. Typical signature loans simply need a client, like Kris’s signature to get them, up to $25,000 in some cases. Kris was able to get $196000 as a emergency loan, which is very high for an emergency loan. Because signature loans do not require a cosigner, these loans tend to require higher credit, as high as 733

Conclusion of Kris’s emergency loan

In the end, Kris was able to find an emergency loan for $196000 with an interest rate of 6.4% interest APR from State Bank of Mount Horeb in Mount Horeb, Wisconsin repayable over 6 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.