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3 Year Consolidation Loan For Ivey In Bloomington Illinois

$69000 Consolidation Loan – Bloomington Illinois, Credit Score Of 712

  • Experian: 729 – This individual had a good Experian score
  • Transunion: 697 – Ivey had a good credit score with Transunion.
  • Equifax: Ivey’s Experian score was 712, which is a good credit score with the Experian scale.

Ivey’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their appeals referee job and their future career as a fashion coordinator

Fico Score: 712

Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $24,000.00 to $51,000.00. They are mainly used to pay off existing high interest loans like credit cards. Ivey needed a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Ivey was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your bad, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.1%.

Client Profile: Ivey Pedone of Bloomington, Illinois
  • Full name (Changed if requested): Ivey Pedone
  • Current Credit: loans.hit.utils.Fico@b1a58a3
  • Current City: Bloomington
  • State: Illinois
  • Zip code: 61709
  • Yearly income: $69,000
  • Current Job: appeals referee
  • Current County: Mclean
  • Goal Yearly Income: $85,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Installment loan for Ivey, a graduate of Institute for Doctoral Studies in the Visual Arts and an appeals referee working for over $67,000 per year

Ivey, an alumnus at Institute for Doctoral Studies in the Visual Arts and an appeals referee in Bloomington, Illinois wants a consolidation loan to purchase something frivolous. Ivey has instead chosen to get an installment loan for $18,000 and is currently seeking lenders like State Bank of Clearing to provide it.

Ivey’s Transunion score was altered by the consolidation loan loan, changing to 697 from 712, which is normal in our experience.

Transunion Score: 697

Many previous requests for credit have been made by Ivey in the past, including one from Firstbank – West Michigan in Bloomington, Illinois before Ivey was approved for the $69000 by Citizens Savings Bank

Ivey made 4 previous attempts to obtain a consolidation loan, 2 of which were with Firstbank – West Michigan, a lending institution in Bloomington, Illinois known to specialize in consolidation loans specifically. Before finding Citizens Savings Bank, Ivey was concerned due to their inexperience and good credit rating.

Before applying for this consolidation loan, Ivey had an Experian score of 729, which is good, so Citizens Savings Bank likely cannot provide Ivey a consolidation loan

Experian Score: 729

Fast Loans for Ivey in Bloomington, Illinois to prevent bankruptcy or harm from debt collectors.

Fast loans in Bloomington, Illinois aren’t actually that difficult to obtain, especially if you have some gumption like Ivey. Ivey was able to find a fast loan for $69000 from Upper Avenue Bank and Lake Shore National Bank, but declined both offers in favor of their consolidation loan from Citizens Savings Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if a borrower is on the go.

Paraphrased and Standardized Quote from Ivey for this consolidation loan of $69000, provided by Citizens Savings Bank

Hi, I am Ivey and I am from Bloomington in Illinois. Mclean, county is where I grew up, and now I need a consolidation loan in Illinois for $69000 to buy a big ticket item. It has been difficult, but Citizens Savings Bank really came through for me with this loan for 7.2% interest APR and a term of 17 years. I will repay the loan over the 17 year term, including interest. A big thanks to Citizens Savings Bank for trusting me and my good credit. It look me 9 years to create my credit to 712, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

When Ivey was 21, they tried to obtain a student loan from 6 different lenders, which harmed their credit score. Below is a list of Ivey’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on October 26, 2008
  • Attempt 2) Loan for $28,000.00 on November 13, 2011
  • Attempt 3) Loan for $29,000.00 on August 9, 2011
  • Attempt 4) Loan for $34,000.00 on August 10, 2011
  • Attempt 5) Loan for $31,000.00 on June 18, 2010
  • Attempt 6) Loan for $29,000.00 on November 17, 2009

Previous requests on Ivey’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$89280.00 4 5.4% $2072.27 The Gerber State Bank June 23, 2011
$88570.00 4 8.8% $2195.67 The Belvidere National Bank and Trust Company November 1, 2012
$88690.00 10 6.8% $1020.65 Commerce Bank October 18, 2013
$89300.00 3 8.8% $2831.41 Byron Bank September 27, 2014
$88820.00 6 9.6% $1627.61 Amalgamated Bank of Chicago January 16, 2015

Contact Details for Citizens Savings Bank, the provider of this consolidation loan

  • Citizens Savings Bank
  • City: Bloomington
  • State: Illinois
  • Address: 2101 North Veterans Parkway
  • County: Mclean
  • Zip code: 61704

6 Months in the Past, Ivey Attempted Finding a High Risk Loan for $29,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Ivey. Ivey decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit clients. Individuals with credit ratings as low as 537 can inquire for a high risk loan and possibly can be approved.

Personal Loan for an appeals referee named Ivey in Bloomington, Illinois to Pay Off WSFS Bank Student Visa

Ivey had a tonne of credit card debt on their Arvest Visa Gold Card and their Berkshire Municipal Bank Visa Business Card, and they were starting to get in over their heads. Despite Ivey’s job as an appeals referee, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Signature Loan found in Bloomington, Illinois for $69000 with good credit by Ivey

A lot of clients have difficulty with obtaining signature loans in Bloomington, Illinois, and Ivey is the same. Ivey went to 8 lenders or more before settling on Citizens Savings Bank, who offered Ivey a signature loan for $69000. Typical signature loans simply need a client, like Ivey’s signature to get them, up to $35,000 in some cases. Ivey was able to get $69000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans don’t require a cosigner, they tend to need improved credit, as high as 787

Ivey was not approved by First Bank of Eureka 4 times prior to being granted funding by Citizens Savings Bank at 2101 North Veterans Parkway

On December 20, 2009, Ivey applied about borrowing $41,000 from The State Bank of Geneva with Laurinda, their in law from just outside Bloomington, and even with the co-signer, Ivey was rejected for this consolidation loan. With good credit, it can be difficult to procure funding, even with collateral and a co-signer.

Ivey has a sad current total income, but has a high number of prospects

Ivey has always wanted to be a fashion coordinator, but would have to attend Institute for Doctoral Studies in the Visual Arts again to become one. Ivey has other possibilities as well, including athletic trainer, business service specialist, and truck driver, which pay $55,000 through to $103,000 per year, at least. Because of this, we think that Ivey can afford this consolidation loan of $69000.

Conclusion of Ivey’s consolidation loan

In the end, Ivey was able to find a consolidation loan for $69000 with an interest rate of 9.2% interest APR from Citizens Savings Bank in Bloomington, Illinois repayable over 17 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.