$32000 Same Day Loan – Cherryvale Kansas, Credit Rating Of 377
- Experian: 391 – This client had a terrible Experian rating
- Transunion: 360 – Elodia had a terrible credit score with Transunion.
- Equifax: Elodia’s Experian score was 377, which is a terrible credit score with the Experian system.
Personal Loan for a recreation leader named Elodia in Cherryvale, Kansas to Pay Off MetaBank BuyRIGHT Prepaid MasterCard
Elodia had a lot of credit card debt on their Bass Pro Shops Outdoor Rewards World MasterCard Credit Card and their Comerica Bank Visa Signature Card, and they were starting to get in over their heads. Despite Elodia’s job as a recreation leader, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Elodia’s Overall FICO score at the time of acceptance for a same day loan, taking into account their recreation leader job and their future job as a medical assistant
Elodia’s Transunion score was changed by the same day loan loan, changing to 360 from 377, which is typical in our experience.
Signature Loan acquired in Cherryvale, Kansas for $32000 with terrible credit by Elodia
Many prospective borrowers struggle with finding signature loans in Cherryvale, Kansas, and Elodia is no exception. Elodia went to 8 lending institutions or more before finding The Peoples State Bank, who offered Elodia a signature loan for $32000. Typical signature loans simply require a client, like Elodia’s signature to obtain them, up to $35,000 in some cases. Elodia was able to get $32000 as a same day loan, which is very high for a same day loan. Because signature loans do not require a cosigner, they generally need improved credit, as high as 768
Elodia was not approved by The Farmers and Merchants State Bank 4 times prior to being approved by The Peoples State Bank at 200 West Main Street
On March 7, 2009, Elodia inquired about borrowing $7,000 from The Sedan State Bank, Sedan, Kansas with Madison, their in law from just outside Cherryvale, and even with the co-signer, Elodia was rejected for this same day loan. With terrible credit, it can be challenging to obtain funding, even with collateral and a co-signer.
Contact Details for The Peoples State Bank, the provider of this same day loan
- The Peoples State Bank
- City: Cherryvale
- State: Kansas
- Address: 200 West Main Street
- County: Montgomery
- Zip code: 67335
Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans range from $31,000.00 to $57,000.00. They are mainly used to pay off existing high interest loans like credit cards. Elodia needed a debt consolidation loan to pay for their existing same day loan and their loan shark loan. Elodia was able to find a same day loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your dirty, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.6%.
- Full name (Changed if requested): Elodia Tovrea
- Current Credit: loans.hit.utils.Fico@300ffa5d
- Current City: Cherryvale
- State: Kansas
- Zip code: 67337
- Yearly income: $39,000
- Current Job: recreation leader
- Current County: Montgomery
- Goal Yearly Income: $110,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Before applying for this same day loan, Elodia had an Experian score of 391, which is terrible, so The Peoples State Bank most likely cannot provide Elodia a same day loan
Fast Loans for Elodia in Cherryvale, Kansas to prevent bankruptcy or harm from debt collectors.
Fast loans in Cherryvale, Kansas aren’t actually that difficult to obtain, especially if you have some gumption like Elodia. Elodia was able to find a fast loan for $32000 from Citizens State Bank and The American State Bank, but declined both offers in favor of their same day loan from The Peoples State Bank. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. An improvement if a client is on the go.
Paraphrased and Standardized Quote from Elodia for this same day loan of $32000, provided by The Peoples State Bank
Hello, I am Elodia and I’m from Cherryvale in Kansas. Montgomery, county is where I grew up, and now I need a same day loan in Kansas for $32000 to buy a big ticket item. It wasn’t easy, but The Peoples State Bank really came through for me with this loan for 5.1% interest APR and a term of 19 years. I can repay the loan over the 19 year term, including interest. A big thanks to The Peoples State Bank for trusting me and my terrible credit. It look me 8 years to create my credit to 377, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.
Previous requests on Elodia’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$138180.00||9||5.1%||$1598.13||Citizens Bank and Trust Company||July 10, 2011|
|$138370.00||7||6.8%||$2074.87||The Morrill and Janes Bank and Trust Company||February 10, 2014|
|$138130.00||4||10.4%||$3529.93||The Citizens State Bank, Liberal, Kansas||January 29, 2015|
|$137560.00||11||5.5%||$1391.27||Citizens State Bank||May 9, 2015|
Installment loan for Elodia, a graduate of “PC ProSchools, Inc.” and a recreation leader working for over $66,000 per year
Elodia, an alumnus at “PC ProSchools, Inc.” and a recreation leader in Cherryvale, Kansas needs a same day loan to purchase a house. Elodia has instead decided to obtain an installment loan for $8,000 and is currently seeking lenders like Farmers National Bank to provide it.
Elodia has a low current yearly income, but has a high number of prospects
Elodia has always wanted to be a medical assistant, but would need attend “PC ProSchools, Inc.” again to become one. Elodia has other prospects as well, including school nurse, forest fire inspector, and industrial engineer, which pay $53,000 through to $98,000 per year, on average. Because of this, we think that Elodia can pay for this same day loan of $32000.
6 Months Ago, Elodia Attempted to Find a High Risk Loan for $34,000.00, and it was Hard
It is an existing struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Elodia. Elodia chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Clients with credit scores as low as 425 can apply for a high risk loan and possibly can be approved.
Multiple other requests for credit have been made by Elodia in the past, including one from The Peoples Bank in Cherryvale, Kansas before Elodia was approved for the $32000 by The Peoples State Bank
Elodia made 6 previous attempts to obtain a same day loan, 2 of which were with The Peoples Bank, a lender in Cherryvale, Kansas known to specialize in same day loans specifically. Before finding The Peoples State Bank, Elodia was desperate due to their inexperience and terrible credit rating.
When Elodia was 24, they attempted to obtain a student loan from 6 alternate lenders, which harmed their credit score. Below is a list of Elodia’s previous attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on June 24, 2009
- Attempt 2) Loan for $29,000.00 on July 23, 2010
- Attempt 3) Loan for $35,000.00 on April 16, 2011
- Attempt 4) Loan for $36,000.00 on January 30, 2012
- Attempt 5) Loan for $36,000.00 on February 10, 2010
- Attempt 6) Loan for $22,000.00 on July 21, 2009
Conclusion of Elodia’s same day loan
In the end, Elodia was able to find a same day loan for $32000 with an interest rate of 11.5% interest APR from The Peoples State Bank in Cherryvale, Kansas repayable over 19 years from today.