$132000 Same Day Loan – St. Paul Minnesota, Credit Rating Of 328
- Experian: 340 – The client had a terrible Experian rating
- Transunion: 311 – Valentine had a terrible credit rating with Transunion.
- Equifax: Valentine’s Experian score was 328, which is a terrible credit rating with the Experian system.
When Valentine was 18, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit score. Below is a chronology of Valentine’s prior attempts at finding a student loan:
- Attempt 1) Loan for $22,000.00 on September 11, 2012
- Attempt 2) Loan for $23,000.00 on July 10, 2011
- Attempt 3) Loan for $36,000.00 on March 23, 2013
- Attempt 4) Loan for $31,000.00 on February 2, 2010
- Attempt 5) Loan for $35,000.00 on April 20, 2011
- Attempt 6) Loan for $33,000.00 on June 29, 2011
- Attempt 7) Loan for $30,000.00 on June 8, 2012
Valentine was rejected by Minnwest Bank Central 4 times before being accepted by The First National Bank of Saint Paul at 332 Minnesota Street
On November 2, 2008, Valentine inquired about borrowing $9,000 from Ormsby State Bank with Jeanine, their in law from just outside St. Paul, and even with the co-signer, Valentine was rejected for this same day loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.
Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans range from $28,000.00 to $52,000.00. They are normally used to pay off existing high interest loans like credit cards. Valentine required a debt consolidation loan to pay for their existing same day loan and their credit card. Valentine was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.2%.
Previous requests on Valentine’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$129750.00||9||7.7%||$1669.07||Marquette Bank Cannon Falls||February 1, 2009|
|$130170.00||3||10.8%||$4249.28||Root River State Bank||November 23, 2013|
|$130430.00||3||10.1%||$4214.74||Clinton State Bank||May 12, 2014|
|$129700.00||8||9.5%||$1933.94||Peoples State Bank of Plainview||October 23, 2014|
|$130260.00||6||5.2%||$2109.93||Security State Bank of Wykoff||June 23, 2015|
- Full name (Changed if requested): Valentine Hollenbach
- Current Credit: loans.hit.utils.Fico@133314b
- Current City: St. Paul
- State: Minnesota
- Zip code: 55102
- Yearly income: $68,000
- Current Job: travel writer
- Current County: Ramsey
- Goal Yearly Income: $93,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Valentine’s Overall FICO score at the time of acceptance for a same day loan, taking into account their travel writer job and their future job as a commercial designer
Installment loan for Valentine, a graduate of The University of Texas at Dallas and a travel writer working for over $78,000 per year
Valentine, an alumnus at The University of Texas at Dallas and a travel writer in St. Paul, Minnesota needs a same day loan to purchase a new cell phone. Valentine has instead chosen to get an installment loan for $9,000 and is currently seeking lenders like Princeton Bank to process their request.
Signature Loan acquired in St. Paul, Minnesota for $132000 with terrible credit by Valentine
Most borrowers struggle with finding signature loans in St. Paul, Minnesota, and Valentine is the same. Valentine went to 5 lenders or more prior to finding The First National Bank of Saint Paul, who offered Valentine a signature loan for $132000. Most signature loans simply need a client, like Valentine’s signature to get them, up to $22,000 in some cases. Valentine was able to get $132000 as a same day loan, which is very high for a same day loan. Because signature loans do not need collateral, these loans tend to require higher credit, as high as 737
Personal Loan for a travel writer named Valentine in St. Paul, Minnesota to Pay Off United MileagePlus Club Card
Valentine had a tonne of credit card debt on their Navy FCU cashRewards Credit Card and their Key Bank College Rewards MasterCard, and they were starting to get in over their heads. Despite Valentine’s job as a travel writer, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Valentine has a disappointing current gross income, but has a large amount of prospects
Valentine has always wanted to be a commercial designer, but would have to attend The University of Texas at Dallas again to become one. Valentine has other possibilities as well, including border patrol agent, electrical parts reconditioner, and medical examiner/coroner, which pay $55,000 through to $93,000 per year, at least. For this reason, we think that Valentine can afford this same day loan of $132000.
Contact Details for The First National Bank of Saint Paul, the provider of this same day loan
- The First National Bank of Saint Paul
- City: St. Paul
- State: Minnesota
- Address: 332 Minnesota Street
- County: Ramsey
- Zip code: 55101
Fast Loans for Valentine in St. Paul, Minnesota to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in St. Paul, Minnesota aren’t actually that difficult to obtain, especially if you have some gumption like Valentine. Valentine was able to find a fast loan for $132000 from Peoples State Bank of Plainview and Princeton Bank, but declined both offers in favor of their same day loan from The First National Bank of Saint Paul. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better if a borrower is on the go.
Paraphrased and Standardized Quote from Valentine for this same day loan of $132000, provided by The First National Bank of Saint Paul
Hello, I am Valentine and I am from St. Paul in Minnesota. Ramsey, county is where I grew up, and now I need a same day loan in Minnesota for $132000 to avoid bankruptcy. It has been difficult, but The First National Bank of Saint Paul really came through for me with this loan for 7.0% interest APR and a term of 8 years. I can probably repay the loan over the 8 year term, including interest. A big thanks to The First National Bank of Saint Paul for trusting me and my terrible credit. It look me 7 years to build my credit to 328, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.
Before applying for this same day loan, Valentine had an Experian score of 340, which is terrible, so The First National Bank of Saint Paul probably cannot provide Valentine a same day loan
Valentine’s Transunion score was altered by the same day loan loan, changing to 311 from 328, which is normal in our experience.
7 Months in the Past, Valentine Attempted to Find a High Risk Loan for $30,000.00, but They Didn’t Find What They were Expecting
It is an existing struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Valentine. Valentine decided not to get a high risk loan this time. High Risk loans are given to bad credit borrowers. Borrowers with credit ratings as low as 415 can inquire for a high risk loan and have a chance to be approved.
Several past requests for credit have been made by Valentine in the past, including one from BankAlabama-Huntsville in St. Paul, Minnesota before Valentine was approved for the $132000 by The First National Bank of Saint Paul
Valentine made 8 prior attempts to obtain a same day loan, 2 of which were with BankAlabama-Huntsville, a lending institution in St. Paul, Minnesota known to specialize in same day loans specifically. Before finding The First National Bank of Saint Paul, Valentine was concerned due to their inexperience and terrible credit rating.
Conclusion of Valentine’s same day loan
In the end, Valentine was able to find a same day loan for $132000 with an interest rate of 8.5% interest APR from The First National Bank of Saint Paul in St. Paul, Minnesota repayable over 8 years from today.