$36000 Private Loan – Cheyenne Wyoming, Credit Score Of 388
- Experian: 401 – This individual had a terrible Experian score
- Transunion: 370 – Piper had a terrible credit rating with Transunion.
- Equifax: Piper’s Experian score was 388, which is a terrible credit score using the Experian scale.
Paraphrased and Standardized Quote from Piper for this private loan of $36000, provided by Frontier Bank of Laramie County
Hello, I am Piper and I’m from Cheyenne in Wyoming. Laramie, county is where I grew up, and now I need a private loan in Wyoming for $36000 to avoid bankruptcy. It wasn’t easy, but Frontier Bank of Laramie County really came through for me with this loan for 5.8% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to Frontier Bank of Laramie County for trusting me and my terrible credit. It look me 5 years to build my credit to 388, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.
Contact Details for Frontier Bank of Laramie County, the provider of this private loan
- Frontier Bank of Laramie County
- City: Cheyenne
- State: Wyoming
- Address: 1501 South Greeley Highway
- County: Laramie
- Zip code: 82007
Signature Loan easily acquired in Cheyenne, Wyoming for $36000 with terrible credit by Piper
Most clients have difficulty with obtaining signature loans in Cheyenne, Wyoming, and Piper is no different. Piper went to 6 lenders or more prior to settling on Frontier Bank of Laramie County, who offered Piper a signature loan for $36000. Typical signature loans simply require a client, like Piper’s signature to obtain them, up to $45,000 in some cases. Piper was able to get $36000 as a private loan, which is very high for a private loan. Since signature loans don’t need a cosigner, they generally require higher credit, as high as 764
Piper was declined by Shoshone First Bank 4 times before being accepted by Frontier Bank of Laramie County at 1501 South Greeley Highway
On February 17, 2009, Piper inquired about borrowing $33,000 from Key Bank of Wyoming – 611 Ninth Street, Wheatland, Wyoming 82201 with Elida, their in law from just outside Cheyenne, and even with the co-signer, Piper was rejected for this private loan. With terrible credit, it can be very hard to obtain financing, even with collateral and a co-signer.
Piper has a sad current gross income, but has a large amount of prospects
Piper has always wanted to be an aquarium curator, but would have to attend New York Institute of Photography again to achieve it. Piper has other prospects as well, including school psychologist, packaging machine operator, and video engineer, which pay $54,000 through to $106,000 per year, on average. Because of this, we believe that Piper can pay for this private loan of $36000.
- Full name (Changed if requested): Piper Westad
- Current Credit: loans.hit.utils.Fico@50134894
- Current City: Cheyenne
- State: Wyoming
- Zip code: 82015
- Yearly income: $62,000
- Current Job: social psychologist
- Current County: Laramie
- Goal Yearly Income: $95,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Fast Loans for Piper in Cheyenne, Wyoming to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Cheyenne, Wyoming aren’t actually that difficult to obtain, especially if you have some finesse like Piper. Piper was able to find a fast loan for $36000 from First Interstate Bank of Laramie, National Association and Farmers State Bank, but turned down both offers in favor of their private loan from Frontier Bank of Laramie County. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement if you are in a pinch.
Piper’s Overall FICO score at the time of acceptance for a private loan, taking into account their social psychologist job and their future job as an aquarium curator
Piper’s Transunion score was changed by the private loan loan, changing to 370 from 388, which is normal in our experience.
Before applying for this private loan, Piper had an Experian score of 401, which is terrible, so Frontier Bank of Laramie County probably cannot provide Piper a private loan
Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans range from $33,000.00 to $57,000.00. They are typically used to pay off existing high interest loans like credit cards. Piper required a debt consolidation loan to pay for their existing private loan and their credit card. Piper was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.4%.
Previous requests on Piper’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$124890.00||7||8.7%||$1990.4||The Jackson State Bank||August 30, 2010|
|$124510.00||5||10.7%||$2688.56||FirsTier Bank, Wyoming||January 19, 2011|
|$124590.00||11||5.2%||$1241.39||First Interstate Bank||December 2, 2012|
|$124820.00||4||10.4%||$3189.79||Saratoga State Bank||February 28, 2014|
When Piper was 21, they tried to obtain a student loan from 5 different banks, which harmed their credit score. Below is a chronology of Piper’s prior attempts at finding a student loan:
- Attempt 1) Loan for $25,000.00 on December 7, 2012
- Attempt 2) Loan for $36,000.00 on June 13, 2009
- Attempt 3) Loan for $25,000.00 on November 30, 2010
- Attempt 4) Loan for $39,000.00 on May 24, 2010
- Attempt 5) Loan for $36,000.00 on January 12, 2009
Installment loan for Piper, a graduate of New York Institute of Photography and a social psychologist working for over $63,000 per year
Piper, an alumnus at New York Institute of Photography and a social psychologist in Cheyenne, Wyoming needs a private loan to purchase something frivolous. Piper has instead chosen to obtain an installment loan for $12,000 and is at present seeking lenders like First Interstate Bank of Laramie, National Association to process their request.
Several previous requests for credit have been made by Piper in the past, including one from Mooresville Savings Bank, FSB in Cheyenne, Wyoming before Piper was approved for the $36000 by Frontier Bank of Laramie County
Piper made 8 previous tries to obtain a private loan, 2 of which were with Mooresville Savings Bank, FSB, a lender in Cheyenne, Wyoming known to specialize in private loans specifically. Prior to finding Frontier Bank of Laramie County, Piper was desperate due to their inexperience and terrible credit rating.
Personal Loan for a social psychologist named Piper in Cheyenne, Wyoming to Pay Off Texas Fish & Game Rewards Visa
Piper had a tonne of credit card debt on their Synovus Visa Business Platinum Card and their Lufthansa Premier Miles & More World MasterCard, and they were starting to get in over their heads. Despite Piper’s job as a social psychologist, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
9 Months Ago, Piper Tried Finding a High Risk Loan for $47,000.00, and it was Easy
There is an ongoing struggle for borrowers to get 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 frightening to borrowers like Piper. Piper chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Individuals with credit scores as low as 459 can inquire for a high risk loan and may be be approved.
Conclusion of Piper’s private loan
In the end, Piper was able to find a private loan for $36000 with an interest rate of 10.8% interest APR from Frontier Bank of Laramie County in Cheyenne, Wyoming repayable over 12 years from now.