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Low Rate Quick Loan For Kay In Kansas City, Missouri

$24000 Quick Loan – Kansas City Missouri, Credit Rating Of 527

  • Experian: 539 – This client had a fair Experian score
  • Transunion: 511 – Kay had a fair credit rating with Transunion.
  • Equifax: Kay’s Experian score was 527, which is a fair credit score on the Experian rating scheme.

Kay’s Transunion score was changed by the quick loan loan, changing to 511 from 527, which is typical in our experience.

Transunion Score: 511

Kay was rejected by The Baden Bank of St. Louis 6 times before being accepted by Heritage Federal Savings and Loan Association of Kansas City at 7442 Wornall Road

On August 4, 2012, Kay applied about borrowing $4,000 from Bremen Bank and Trust Company with Jacelyn, their in law from just outside Kansas City, and even with the co-signer, Kay was rejected for this quick loan. With fair credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Previous requests on Kay’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$88110.00 9 10.3% $1254.83 Camden County Bank June 23, 2012
$88150.00 6 9.6% $1615.33 Glasgow Savings Bank March 17, 2013
$87510.00 10 5.1% $932.46 Central Bank August 2, 2014
$88320.00 4 6.6% $2098.58 Midwest BankCentre December 31, 2014
$88240.00 4 5.7% $2060.2 Commerce Bank of Richmond Heights August 9, 2015

Paraphrased and Standardized Quote from Kay for this quick loan of $24000, provided by Heritage Federal Savings and Loan Association of Kansas City

Hello, I am Kay and I am from Kansas City in Missouri. Jackson, county is where I grew up, and now I need a quick loan in Missouri for $24000 to buy a car. It wasn’t easy, but Heritage Federal Savings and Loan Association of Kansas City really came through for me with this loan for 8.6% interest APR and a term of 7 years. I will repay the loan over the 7 year term, including interest. A big thanks to Heritage Federal Savings and Loan Association of Kansas City for giving me a chance and my fair credit. It look me 5 years to build my credit to 527, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Client Profile: Kay Polley of Kansas City, Missouri
  • Full name (Changed if requested): Kay Polley
  • Current Credit: loans.hit.utils.Fico@41975e01
  • Current City: Kansas City
  • State: Missouri
  • Zip code: 64121
  • Yearly income: $67,000
  • Current Job: health psychologist
  • Current County: Jackson
  • Goal Yearly Income: $97,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Kay’s Overall FICO score at the time of acceptance for a quick loan, taking into account their health psychologist job and their future job as a public transportation inspector

Fico Score: 527

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

There is an existing struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Kay. Kay chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Individuals with credit scores as low as 432 can apply for a high risk loan and possibly can be accepted.

Before applying for this quick loan, Kay had an Experian score of 539, which is fair, so Heritage Federal Savings and Loan Association of Kansas City probably cannot provide Kay a quick loan

Experian Score: 539

Fast Loans for Kay 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, especially if you have some finesse like Kay. Kay was able to find a fast loan for $24000 from Commerce Bank of Richmond Heights and Allegiant Bank, but turned down both offers in favor of their quick loan from Heritage Federal Savings and Loan Association of Kansas City. 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 7 weeks for installment loans. A big difference if a borrower is in a pinch.

Signature Loan acquired in Kansas City, Missouri for $24000 with fair credit by Kay

Most prospective borrowers have difficulty with obtaining signature loans in Kansas City, Missouri, and Kay is no different. Kay went to 4 lenders or more before settling on Heritage Federal Savings and Loan Association of Kansas City, who offered Kay a signature loan for $24000. Most signature loans simply require a client, like Kay’s signature to get them, up to $21,000 in some cases. Kay was able to get $24000 as a quick loan, which is very high for a quick loan. Because signature loans do not require a cosigner, they generally need better credit, as high as 751

When Kay was 22, they tried to obtain a student loan from 4 different lenders, which damaged their credit score. Below is a list of Kay’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on March 17, 2009
  • Attempt 2) Loan for $30,000.00 on August 30, 2009
  • Attempt 3) Loan for $38,000.00 on August 31, 2010
  • Attempt 4) Loan for $39,000.00 on September 2, 2011

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $39,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Kay required a debt consolidation loan to pay for their existing quick loan and their credit card. Kay was able to find a quick loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your bad, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.1%.

Installment loan for Kay, a graduate of University of Mary and a health psychologist working for over $78,000 per year

Kay, an alumnus at University of Mary and a health psychologist in Kansas City, Missouri wants a quick loan to purchase a car. Kay has instead chosen to obtain an installment loan for $13,000 and is at present seeking lenders like Commerce Bank of Richmond Heights to process their request.

Personal Loan for a health psychologist named Kay in Kansas City, Missouri to Pay Off National Geographic Platinum MasterCard

Kay had a lot of credit card debt on their Lanpass Visa Secured Card and their Zions Bank MasterCard Credit Card, and they were starting to get in over their heads. Despite Kay’s job as a health psychologist, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Kay has a disappointing current yearly income, but has a high number of prospects

Kay has always wanted to be a public transportation inspector, but would have to attend University of Mary again to achieve it. Kay has other prospects as well, including agricultural inspector, medical records technician, and logging worker supervisor, which pay $51,000 through to $97,000 per year, at least. For this reason, we believe that Kay can afford this quick loan of $24000.

Contact Details for Heritage Federal Savings and Loan Association of Kansas City, the provider of this quick loan

  • Heritage Federal Savings and Loan Association of Kansas City
  • City: Kansas City
  • State: Missouri
  • Address: 7442 Wornall Road
  • County: Jackson
  • Zip code: 64114

Multiple previous requests for credit have been made by Kay in the past, including one from United Community Bank in Kansas City, Missouri before Kay was accepted for the $24000 by Heritage Federal Savings and Loan Association of Kansas City

Kay made 6 prior attempts to obtain a quick loan, 2 of which were with United Community Bank, a lender in Kansas City, Missouri known to specialize in quick loans specifically. Before finding Heritage Federal Savings and Loan Association of Kansas City, Kay was very concerned due to their inexperience and fair credit score.

Conclusion of Kay’s quick loan

In the end, Kay was able to find a quick loan for $24000 with an interest rate of 6.3% interest APR from Heritage Federal Savings and Loan Association of Kansas City in Kansas City, Missouri repayable over 7 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.