$45000 Quick Loan – Monona Iowa, Credit Score Of 838
- Experian: 852 – This client had an excellent Experian rating
- Transunion: 820 – Sophia had an excellent credit rating with Transunion.
- Equifax: Sophia’s Experian score was 838, which is an excellent credit rating on the Experian scale.
Sophia’s Transunion score was altered by the quick loan loan, changing to 820 from 838, which is normal in our experience.
Personal Loan for an airline flight operations administrator named Sophia in Monona, Iowa to Pay Off Upromise World MasterCard by SallieMae
Sophia had a tonne of credit card debt on their American State Bank Visa Card and their Bank of Louisiana Credit Cards, and they were starting to get in over their heads. Despite Sophia’s job as an airline flight operations administrator, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Contact Details for Union State Bank, the provider of this quick loan
- Union State Bank
- City: Monona
- State: Iowa
- Address: 106 South Main Street
- County: Clayton
- Zip code: 52159
When Sophia was 18, they attempted to obtain a student loan from 7 different lenders, which harmed their credit score. Below is a list of Sophia’s prior attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on July 16, 2011
- Attempt 2) Loan for $35,000.00 on April 11, 2012
- Attempt 3) Loan for $27,000.00 on April 21, 2013
- Attempt 4) Loan for $23,000.00 on August 12, 2010
- Attempt 5) Loan for $26,000.00 on June 18, 2012
- Attempt 6) Loan for $30,000.00 on June 23, 2009
- Attempt 7) Loan for $36,000.00 on July 25, 2012
- Full name (Changed if requested): Sophia Boscia
- Current Credit: loans.hit.utils.Fico@48cf768c
- Current City: Monona
- State: Iowa
- Zip code: 52167
- Yearly income: $53,000
- Current Job: airline flight operations administrator
- Current County: Clayton
- Goal Yearly Income: $91,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Sophia’s Overall FICO score at the time of acceptance for a quick loan, taking into account their airline flight operations administrator job and their future job as a military officer
Signature Loan found in Monona, Iowa for $45000 with excellent credit by Sophia
Most clients have difficulty with obtaining signature loans in Monona, Iowa, and Sophia is not an exception. Sophia went to 5 lending institutions or more before settling on Union State Bank, who offered Sophia a signature loan for $45000. Most signature loans simply require a client, like Sophia’s signature to obtain them, up to $21,000 in some cases. Sophia was able to get $45000 as a quick loan, which is very high for a quick loan. Since signature loans do not require a cosigner, they tend to need better credit, as high as 786
Fast Loans for Sophia in Monona, Iowa to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Monona, Iowa aren’t actually that difficult to obtain, especially if you have some finesse like Sophia. Sophia was able to find a fast loan for $45000 from Iowa State Bank and Rippey Savings Bank, but turned down both offers in favor of their quick loan from Union State Bank. 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 5 weeks for debt consolidation loans. A big improvement if you are in a pinch.
Installment loan for Sophia, a graduate of New York University and an airline flight operations administrator working for over $68,000 per year
Sophia, an alumnus at New York University and an airline flight operations administrator in Monona, Iowa needs a quick loan to purchase something frivolous. Sophia has instead decided to get an installment loan for $1,000 and is currently seeking lenders like Manson State Bank to process their request.
Sophia was not approved by Norwest Bank Atlantic, National Association 7 times prior to being accepted by Union State Bank at 106 South Main Street
On November 14, 2013, Sophia applied about borrowing $27,000 from Washington State Bank with Christinia, their friend from just outside Monona, and even with the co-signer, Sophia was rejected for this quick loan. With excellent credit, it can be difficult to procure funding, even with collateral and a co-signer.
Sophia has a sad current yearly income, but has a large amount of prospects
Sophia has always wanted to be a military officer, but would have to attend New York University again to become one. Sophia has other prospects as well, including educational therapist, civil drafter, and industrial relations analyst, which pay $53,000 through to $97,000 per year, at least. For this reason, we think that Sophia can afford this quick loan of $45000.
Multiple previous requests for credit have been made by Sophia in the past, including one from Barnett Bank of Santa Rosa County in Monona, Iowa before Sophia was approved for the $45000 by Union State Bank
Sophia made 4 previous tries to obtain a quick loan, 2 of which were with Barnett Bank of Santa Rosa County, a lending institution in Monona, Iowa known to specialize in quick loans specifically. Before finding Union State Bank, Sophia was very concerned due to their inexperience and excellent credit score.
Before applying for this quick loan, Sophia had an Experian score of 852, which is excellent, so Union State Bank probably cannot provide Sophia a quick loan
9 Months in the Past, Sophia Tried Finding a High Risk Loan for $22,000.00, but They Didn’t Find What They were Expecting
It is an ongoing struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Sophia. Sophia chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Individuals with credit ratings as low as 530 can inquire for a high risk loan and may be be approved.
Paraphrased and Standardized Quote from Sophia for this quick loan of $45000, provided by Union State Bank
Hi, I am Sophia and my hometown is Monona in Iowa. Clayton, county is where I grew up, and now I need a quick loan in Iowa for $45000 to pay bills. It has been difficult, but Union State Bank really came through for me with this loan for 9.5% interest APR and a term of 16 years. I can repay the loan over the 16 year term, including interest. A big thanks to Union State Bank for trusting me and my excellent credit. It look me 5 years to create my credit to 838, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $29,000.00 to $55,000.00. They are mainly used to pay off existing high interest loans like credit cards. Sophia needed a debt consolidation loan to pay for their existing quick loan and their loan shark loan. Sophia was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 3.5%.
Previous requests on Sophia’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $56780.00 | 9 | 10.8% | $824.19 | Mills County Bank National Association | February 29, 2012 |
| $56670.00 | 3 | 9.5% | $1815.31 | Postville State Bank | November 6, 2014 |
| $57430.00 | 10 | 8.7% | $718.21 | Washington State Bank | May 10, 2015 |
| $57280.00 | 7 | 8.8% | $915.78 | Rippey Savings Bank | June 21, 2015 |
| $57400.00 | 5 | 6.2% | $1115.05 | Iowa State Bank | July 19, 2015 |
Conclusion of Sophia’s quick loan
In the end, Sophia was able to find a quick loan for $45000 with an interest rate of 10.3% interest APR from Union State Bank in Monona, Iowa repayable over 16 years from now.
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