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5 Month, Fixed Interest Consolidation Loan For Marybeth In Kansas

$8000 Consolidation Loan – Kincaid Kansas, Credit Rating Of 578

  • Experian: 593 – The client had a fair Experian score
  • Transunion: 562 – Marybeth had a fair credit rating with Transunion.
  • Equifax: Marybeth’s Experian score was 578, which is a fair credit score on the Experian system.

Previous requests on Marybeth’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$61750.00 4 6.1% $1453.03 Citizens Bank and Trust Company December 17, 2008
$62400.00 7 10.8% $1061.89 The Morrill and Janes Bank and Trust Company July 29, 2010
$61620.00 4 7.1% $1478.43 The Citizens State Bank, Liberal, Kansas August 1, 2011
$61570.00 5 6.1% $1193.19 Citizens State Bank March 24, 2014
$62100.00 4 5.7% $1449.89 The Peoples Bank April 7, 2015

Installment loan for Marybeth, a graduate of Automeca Technical College and an agricultural inspector working for over $71,000 per year

Marybeth, an alumnus at Automeca Technical College and an agricultural inspector in Kincaid, Kansas needs a consolidation loan to purchase something frivolous. Marybeth has instead decided to obtain an installment loan for $5,000 and is at present seeking lenders like The Home State Bank of Kansas City, Kansas to provide it.

Client Profile: Marybeth Cronshaw of Kincaid, Kansas
  • Full name (Changed if requested): Marybeth Cronshaw
  • Current Credit: loans.hit.utils.Fico@1963006a
  • Current City: Kincaid
  • State: Kansas
  • Zip code: 66043
  • Yearly income: $64,000
  • Current Job: agricultural inspector
  • Current County: Anderson
  • Goal Yearly Income: $101,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Signature Loan found in Kincaid, Kansas for $8000 with fair credit by Marybeth

A lot of prospective borrowers struggle with obtaining signature loans in Kincaid, Kansas, and Marybeth is not an exception. Marybeth went to 6 lenders or more before finding The Bank of Kincaid, who offered Marybeth a signature loan for $8000. Most signature loans simply require a client, like Marybeth’s signature to get them, up to $35,000 in some cases. Marybeth was able to get $8000 as a consolidation loan, which is very high for a consolidation loan. Because signature loans do not need collateral, they generally require higher credit, as high as 738

Contact Details for The Bank of Kincaid, the provider of this consolidation loan

  • The Bank of Kincaid
  • City: Kincaid
  • State: Kansas
  • Address: Main Street
  • County: Anderson
  • Zip code: 66039

7 Months in the Past, Marybeth Tried Finding a High Risk Loan for $38,000.00, and it was Hard

There is an existing struggle for borrowers to find 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 frightening to borrowers like Marybeth. Marybeth chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit clients. Borrowers with credit scores as low as 310 can apply for a high risk loan and may be be accepted.

Marybeth has a low current total income, but has several of prospects

Marybeth has always wanted to be a mechanical inspector, but would have to attend Automeca Technical College again to become one. Marybeth has other prospects as well, including excavating machine operator, professional sports scout, and logging tractor operator, which pay $50,000 through to $98,000 per year, on average. For this reason, we think that Marybeth can pay for this consolidation loan of $8000.

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $33,000.00 to $42,000.00. They are mainly used to pay off existing high interest loans like credit cards. Marybeth required a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Marybeth was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.2%.

Marybeth’s Transunion score was changed by the consolidation loan loan, changing to 562 from 578, which is normal in our experience.

Transunion Score: 562

Paraphrased and Standardized Quote from Marybeth for this consolidation loan of $8000, provided by The Bank of Kincaid

Hi, I am Marybeth and I’m from Kincaid in Kansas. Anderson, county is where I grew up, and now I need a consolidation loan in Kansas for $8000 to buy a car. It has been difficult, but The Bank of Kincaid really came through for me with this loan for 7.5% interest APR and a term of 5 years. I can probably repay the loan over the 5 year term, including interest. A big thanks to The Bank of Kincaid for giving me a chance and my fair credit. It look me 4 years to build my credit to 578, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

When Marybeth was 22, they tried to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a chronology of Marybeth’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on July 27, 2010
  • Attempt 2) Loan for $37,000.00 on January 1, 2009
  • Attempt 3) Loan for $21,000.00 on April 15, 2010
  • Attempt 4) Loan for $24,000.00 on November 10, 2011

Before applying for this consolidation loan, Marybeth had an Experian score of 593, which is fair, so The Bank of Kincaid most likely cannot provide Marybeth a consolidation loan

Experian Score: 593

Several other requests for credit have been made by Marybeth in the past, including one from Fidelity American Bank, Natural Bridge in Kincaid, Kansas before Marybeth was approved for the $8000 by The Bank of Kincaid

Marybeth made 5 previous tries to obtain a consolidation loan, 2 of which were with Fidelity American Bank, Natural Bridge, a lender in Kincaid, Kansas known to specialize in consolidation loans specifically. Prior to finding The Bank of Kincaid, Marybeth was desperate due to their inexperience and fair credit rating.

Marybeth’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their agricultural inspector job and their future career as a mechanical inspector

Fico Score: 578

Fast Loans for Marybeth in Kincaid, Kansas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Kincaid, Kansas aren’t actually that difficult to obtain, particularly if you have some gumption like Marybeth. Marybeth was able to find a fast loan for $8000 from First Kansas Bank and Trust Company and The Bank of Tescott, but declined both offers in favor of their consolidation loan from The Bank of Kincaid. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big difference if a client is in a time sensitive situation.

Personal Loan for an agricultural inspector named Marybeth in Kincaid, Kansas to Pay Off Shell Drive for Five Card

Marybeth had a tonne of credit card debt on their Celebrity Cruises Visa Signature Credit Card and their Palais Royal Credit Card, and they were starting to get in over their heads. Despite Marybeth’s job as an agricultural inspector, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Marybeth was not approved by The Mission State Bank & Trust Company 7 times before being accepted by The Bank of Kincaid at Main Street

On July 31, 2010, Marybeth applied about borrowing $49,000 from The State Bank with Regenia, their friend from just outside Kincaid, and even with the co-signer, Marybeth was rejected for this consolidation loan. With fair credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Conclusion of Marybeth’s consolidation loan

In the end, Marybeth was able to find a consolidation loan for $8000 with an interest rate of 10.2% interest APR from The Bank of Kincaid in Kincaid, Kansas repayable over 5 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.