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Signature Loan For $147000 Near 80644, Colorado With A Credit Score Of 315

$147000 Signature Loan – Kersey Colorado, Credit Score Of 315

  • Experian: 326 – This individual had a terrible Experian rating
  • Transunion: 301 – Edda had a terrible credit score with Transunion.
  • Equifax: Edda’s Experian score was 315, which is a terrible credit score with the Experian rating scheme.

Installment loan for Edda, a graduate of Fairleigh Dickinson University and a massage therapist working for over $65,000 per year

Edda, an alumnus at Fairleigh Dickinson University and a massage therapist in Kersey, Colorado wants a signature loan to purchase something frivolous. Edda has instead chosen to get an installment loan for $16,000 and is currently seeking lenders like Affiliated National Bank – Center to process their request.

Edda’s Transunion score was changed by the signature loan loan, changing to 301 from 315, which is normal in our experience.

Transunion Score: 301

Before applying for this signature loan, Edda had an Experian score of 326, which is terrible, so Independent Bank likely cannot provide Edda a signature loan

Experian Score: 326

When Edda was 23, they tried to obtain a student loan from 7 different banks, which damaged their credit score. Below is a list of Edda’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on November 28, 2009
  • Attempt 2) Loan for $30,000.00 on December 10, 2008
  • Attempt 3) Loan for $32,000.00 on July 12, 2009
  • Attempt 4) Loan for $22,000.00 on January 27, 2011
  • Attempt 5) Loan for $29,000.00 on November 25, 2009
  • Attempt 6) Loan for $27,000.00 on March 5, 2012
  • Attempt 7) Loan for $22,000.00 on February 1, 2009

Multiple previous requests for credit have been made by Edda in the past, including one from First American National Bank in Kersey, Colorado before Edda was approved for the $147000 by Independent Bank

Edda made 4 previous attempts to obtain a signature loan, 2 of which were with First American National Bank, a lender in Kersey, Colorado known to specialize in signature loans specifically. Before finding Independent Bank, Edda was desperate due to their inexperience and terrible credit score.

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

Average debt consolidation loans range from $34,000.00 to $45,000.00. They are normally used to pay off existing high interest loans like credit cards. Edda required a debt consolidation loan to pay for their existing signature loan and their loan shark loan. Edda was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.6%.

Personal Loan for a massage therapist named Edda in Kersey, Colorado to Pay Off First Niagara Bank MasterCard

Edda had a tonne of credit card debt on their Popular Community Bank Platinum MasterCard and their Levin Furniture Credit Card, and they were starting to get in over their heads. Despite Edda’s job as a massage therapist, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Edda for this signature loan of $147000, provided by Independent Bank

Hello, I am Edda and I’m from Kersey in Colorado. Weld, county is where I grew up, and now I need a signature loan in Colorado for $147000 to buy a big ticket item. It has been difficult, but Independent Bank really came through for me with this loan for 9.6% interest APR and a term of 10 years. I will repay the loan over the 10 year term, including interest. A big thanks to Independent Bank for giving me a chance and my terrible credit. It look me 6 years to create my credit to 315, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Edda was not approved by Bank One, Colorado Springs, National Association 6 times prior to being approved by Independent Bank at 227 First Street

On January 10, 2010, Edda inquired about borrowing $10,000 from The First National Bank of Durango with Alfreda, their friend from just outside Kersey, and even with the co-signer, Edda was rejected for this signature loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Previous requests on Edda’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$104180.00 8 6.1% $1374.15 Affiliated National Bank – Delta May 3, 2009
$104190.00 9 5.6% $1230.37 Central Bank, National Association October 2, 2012
$104260.00 6 6.5% $1752.6 The Colorado Bank and Trust Company of La Junta February 2, 2015
$103840.00 4 7.6% $2515.59 Colorado State Bank and Trust, N. A. May 27, 2015
$103890.00 4 8.8% $2575.45 Mountain Parks Bank – West August 25, 2015

Contact Details for Independent Bank, the provider of this signature loan

  • Independent Bank
  • City: Kersey
  • State: Colorado
  • Address: 227 First Street
  • County: Weld
  • Zip code: 80644

Signature Loan found in Kersey, Colorado for $147000 with terrible credit by Edda

Most prospective borrowers struggle with obtaining signature loans in Kersey, Colorado, and Edda is the same. Edda went to 8 lenders or more before finding Independent Bank, who offered Edda a signature loan for $147000. Typical signature loans simply need a client, like Edda’s signature to get them, up to $36,000 in some cases. Edda was able to get $147000 as a signature loan, which is very high for a signature loan. Since signature loans do not need collateral, they tend to require improved credit, as high as 790

Edda has a disappointing current total income, but has a high number of prospects

Edda has always wanted to be a medical and scientific illustrator, but would need attend Fairleigh Dickinson University again to become one. Edda has other possibilities as well, including hearing officer, high school teacher, and advertising agency coordinator, which pay $54,000 through to $108,000 per year, on average. Because of this, we think that Edda can pay for this signature loan of $147000.

Client Profile: Edda Pilarski of Kersey, Colorado
  • Full name (Changed if requested): Edda Pilarski
  • Current Credit: loans.hit.utils.Fico@3581c5f3
  • Current City: Kersey
  • State: Colorado
  • Zip code: 80645
  • Yearly income: $32,000
  • Current Job: massage therapist
  • Current County: Weld
  • Goal Yearly Income: $93,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

7 Months Ago, Edda Attempted to Find a High Risk Loan for $39,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Edda. Edda decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Individuals with credit scores as low as 496 can apply for a high risk loan and possibly can be approved.

Edda’s Overall FICO score at the time of acceptance for a signature loan, taking into account their massage therapist job and their future career as a medical and scientific illustrator

Fico Score: 315

Fast Loans for Edda in Kersey, Colorado to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Kersey, Colorado aren’t actually that difficult to obtain, especially if you have some gumption like Edda. Edda was able to find a fast loan for $147000 from The First National Bank of Cripple Creek and Norwest Bank Boulder, National Association, but declined both offers in favor of their signature loan from Independent Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement if a client is in a pinch.

Conclusion of Edda’s signature loan

In the end, Edda was able to find a signature loan for $147000 with an interest rate of 7.5% interest APR from Independent Bank in Kersey, Colorado repayable over 10 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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