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$15000 Signature Loan With Terrible Credit In Pittsfield Illinois

$15000 Signature Loan – Pittsfield Illinois, Credit Rating Of 362

  • Experian: 380 – This client had a terrible Experian rating
  • Transunion: 344 – Isela had a terrible credit rating with Transunion.
  • Equifax: Isela’s Experian score was 362, which is a terrible credit rating on the Experian rating scheme.

Before applying for this signature loan, Isela had an Experian score of 380, which is terrible, so Community Bank of Pittsfield most likely cannot provide Isela a signature loan

Experian Score: 380

Isela’s Overall FICO score at the time of acceptance for a signature loan, taking into account their missing person investigator job and their future career as a standards engineer

Fico Score: 362

Personal Loan for a missing person investigator named Isela in Pittsfield, Illinois to Pay Off AARP Rewards Visa Card

Isela had a tonne of credit card debt on their Lanpass Visa Signature Card and their FirstBank Rewards Visa, and they were starting to get in over their heads. Despite Isela’s job as a missing person investigator, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Installment loan for Isela, a graduate of MacMurray College and a missing person investigator working for over $61,000 per year

Isela, an alumnus at MacMurray College and a missing person investigator in Pittsfield, Illinois needs a signature loan to purchase something frivolous. Isela has instead decided to obtain an installment loan for $5,000 and is at present seeking lenders like Old Kent Bank to provide it.

When Isela was 19, they attempted to obtain a student loan from 7 different lenders, which harmed their credit score. Below is a list of Isela’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on February 29, 2012
  • Attempt 2) Loan for $33,000.00 on April 11, 2010
  • Attempt 3) Loan for $24,000.00 on March 11, 2009
  • Attempt 4) Loan for $28,000.00 on June 12, 2011
  • Attempt 5) Loan for $23,000.00 on December 15, 2010
  • Attempt 6) Loan for $27,000.00 on July 31, 2009
  • Attempt 7) Loan for $25,000.00 on November 7, 2010

6 Months in the Past, Isela Attempted to Find a High Risk Loan for $47,000.00, 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 manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Isela. Isela chose not to obtain a high risk loan this time. High Risk loans are given to bad credit applicants. Individuals with credit ratings as low as 487 can apply for a high risk loan and may be be accepted.

Paraphrased and Standardized Quote from Isela for this signature loan of $15000, provided by Community Bank of Pittsfield

Hello, I am Isela and I am from Pittsfield in Illinois. Pike, county is where I grew up, and now I need a signature loan in Illinois for $15000 to buy a car. It has been difficult, but Community Bank of Pittsfield really came through for me with this loan for 11.0% interest APR and a term of 20 years. I will repay the loan over the 20 year term, including interest. A big thanks to Community Bank of Pittsfield for trusting me and my terrible credit. It look me 6 years to build my credit to 362, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Isela’s Transunion score was changed by the signature loan loan, changing to 344 from 362, which is normal in our experience.

Transunion Score: 344

Isela has a low current gross income, but has several of prospects

Isela has always wanted to be a standards engineer, but would need attend MacMurray College again to become one. Isela has other prospects as well, including industrial therapist, congressional aide, and casino floor person, which pay $55,000 through to $93,000 per year, on average. Because of this, we think that Isela can afford this signature loan of $15000.

Isela was declined by Drexel National Bank 5 times before being accepted by Community Bank of Pittsfield at 1 Professional Plaza

On August 31, 2009, Isela inquired about borrowing $38,000 from Amalgamated Bank of Chicago with Ramona, their friend from just outside Pittsfield, and even with the co-signer, Isela was rejected for this signature loan. With terrible credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Client Profile: Isela Chappa of Pittsfield, Illinois
  • Full name (Changed if requested): Isela Chappa
  • Current Credit: loans.hit.utils.Fico@71dac704
  • Current City: Pittsfield
  • State: Illinois
  • Zip code: 62366
  • Yearly income: $48,000
  • Current Job: missing person investigator
  • Current County: Pike
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Signature Loan easily acquired in Pittsfield, Illinois for $15000 with terrible credit by Isela

Many borrowers have difficulty with obtaining signature loans in Pittsfield, Illinois, and Isela is not an exception. Isela went to 8 lenders or more before settling on Community Bank of Pittsfield, who offered Isela a signature loan for $15000. Most signature loans simply require a client, like Isela’s signature to obtain them, up to $38,000 in some cases. Isela was able to get $15000 as a signature loan, which is very high for a signature loan. Since signature loans do not require collateral, they generally need improved credit, as high as 755

Fast Loans for Isela in Pittsfield, Illinois to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Pittsfield, Illinois aren’t actually that difficult to obtain, particularly if you have some finesse like Isela. Isela was able to find a fast loan for $15000 from Harris Trust and Savings Bank and Central National Bank of Mattoon, but declined both offers in favor of their signature loan from Community Bank of Pittsfield. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement in the case that you are in a time sensitive situation.

Multiple other requests for credit have been made by Isela in the past, including one from Society Bank, Monroe in Pittsfield, Illinois before Isela was approved for the $15000 by Community Bank of Pittsfield

Isela made 5 previous attempts to obtain a signature loan, 2 of which were with Society Bank, Monroe, a lender in Pittsfield, Illinois known to specialize in signature loans specifically. Prior to finding Community Bank of Pittsfield, Isela was concerned due to their inexperience and terrible credit score.

Previous requests on Isela’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$46190.00 7 10.4% $776.39 The Gerber State Bank December 20, 2009
$46250.00 7 11.1% $794.35 The Belvidere National Bank and Trust Company July 29, 2012
$45900.00 5 11.2% $1002.56 Commerce Bank November 30, 2012
$46370.00 3 8.7% $1468.09 Byron Bank December 14, 2013

Contact Details for Community Bank of Pittsfield, the provider of this signature loan

  • Community Bank of Pittsfield
  • City: Pittsfield
  • State: Illinois
  • Address: 1 Professional Plaza
  • County: Pike
  • Zip code: 62363

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $22,000.00 to $59,000.00. They are normally used to pay off existing high interest loans like credit cards. Isela required a debt consolidation loan to pay for their existing signature loan and their payday loan. Isela was able to find a signature loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.1%.

Conclusion of Isela’s signature loan

In the end, Isela was able to find a signature loan for $15000 with an interest rate of 6.6% interest APR from Community Bank of Pittsfield in Pittsfield, Illinois repayable over 20 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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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.