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Emergency Loan With Very Low APR In Barton County, Kansas

$96000 Emergency Loan – Great Bend Kansas, Credit Score Of 345

  • Experian: 363 – This client had a terrible Experian rating
  • Transunion: 332 – Gertrude had a terrible credit rating with Transunion.
  • Equifax: Gertrude’s Experian score was 345, which is a terrible credit score with the Experian scale.

Gertrude’s Transunion score was altered by the emergency loan loan, changing to 332 from 345, which is normal in our experience.

Transunion Score: 332

Paraphrased and Standardized Quote from Gertrude for this emergency loan of $96000, provided by Bank IV Great Bend, National Association

Hello, I am Gertrude and my hometown is Great Bend in Kansas. Barton, county is where I grew up, and now I need a emergency loan in Kansas for $96000 to buy a big ticket item. It wasn’t easy, but Bank IV Great Bend, National Association really came through for me with this loan for 10.0% interest APR and a term of 11 years. I can repay the loan over the 11 year term, including interest. A big thanks to Bank IV Great Bend, National Association for giving me a chance and my terrible credit. It look me 4 years to build my credit to 345, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Before applying for this emergency loan, Gertrude had an Experian score of 363, which is terrible, so Bank IV Great Bend, National Association probably cannot provide Gertrude an emergency loan

Experian Score: 363

Gertrude has a disappointing current total income, but has a large amount of prospects

Gertrude has always wanted to be a hazardous materials removal worker, but would need attend University of Phoenix again to achieve it. Gertrude has other possibilities as well, including security guard, railroad inspector, and construction driller, which pay $56,000 through to $93,000 per year, on average. Because of this, we believe that Gertrude can pay for this emergency loan of $96000.

Installment loan for Gertrude, a graduate of University of Phoenix and a disk jockey working for over $62,000 per year

Gertrude, an alumnus at University of Phoenix and a disk jockey in Great Bend, Kansas needs an emergency loan to purchase a house. Gertrude has instead decided to get an installment loan for $22,000 and is at present seeking lenders like Bank of Labor to process their request.

Signature Loan easily acquired in Great Bend, Kansas for $96000 with terrible credit by Gertrude

A lot of clients have difficulty with finding signature loans in Great Bend, Kansas, and Gertrude is not an exception. Gertrude went to 8 lending institutions or more before finding Bank IV Great Bend, National Association, who offered Gertrude a signature loan for $96000. Most signature loans simply require a client, like Gertrude’s signature to obtain them, up to $45,000 in some cases. Gertrude was able to get $96000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t require a cosigner, these loans generally need higher credit, as high as 704

Client Profile: Gertrude Shierling of Great Bend, Kansas
  • Full name (Changed if requested): Gertrude Shierling
  • Current Credit: loans.hit.utils.Fico@1cf4f579
  • Current City: Great Bend
  • State: Kansas
  • Zip code: 67539
  • Yearly income: $48,000
  • Current Job: disk jockey
  • Current County: Barton
  • Goal Yearly Income: $135,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Contact Details for Bank IV Great Bend, National Association, the provider of this emergency loan

  • Bank IV Great Bend, National Association
  • City: Great Bend
  • State: Kansas
  • Address: Broadway And Main
  • County: Barton
  • Zip code: 67530

Gertrude was rejected by Farmers National Bank 7 times prior to being accepted by Bank IV Great Bend, National Association at Broadway And Main

On February 4, 2011, Gertrude inquired about borrowing $35,000 from The State Bank with Georgene, their friend from just outside Great Bend, and even with the co-signer, Gertrude was rejected for this emergency loan. With terrible credit, it can be very hard to procure funding, even with collateral and a co-signer.

Gertrude’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their disk jockey job and their future career as a hazardous materials removal worker

Fico Score: 345

Fast Loans for Gertrude in Great Bend, Kansas to prevent bankruptcy or harm from debt collectors.

Fast loans in Great Bend, Kansas aren’t actually that difficult to obtain, especially if you have some gumption like Gertrude. Gertrude was able to find a fast loan for $96000 from Heartland Bank and The Sedan State Bank, Sedan, Kansas, but declined both offers in favor of their emergency loan from Bank IV Great Bend, National Association. 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 installment loans. A big improvement if a client is on the go.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $27,000.00 to $59,000.00. They are normally used to pay off existing high interest loans like credit cards. Gertrude required a debt consolidation loan to pay for their existing emergency loan and their payday loan. Gertrude was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.8%.

Many other requests for credit have been made by Gertrude in the past, including one from Bank of Santa Fe, National Association in Great Bend, Kansas before Gertrude was approved for the $96000 by Bank IV Great Bend, National Association

Gertrude made 4 previous attempts to obtain an emergency loan, 2 of which were with Bank of Santa Fe, National Association, a bank in Great Bend, Kansas known to specialize in emergency loans specifically. Prior to finding Bank IV Great Bend, National Association, Gertrude was very concerned due to their inexperience and terrible credit rating.

Personal Loan for a disk jockey named Gertrude in Great Bend, Kansas to Pay Off The Williams-Sonoma Visa Signature Card

Gertrude had a tonne of credit card debt on their First State Bank Visa Platinum and their Steuben Trust Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Gertrude’s job as a disk jockey, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Gertrude’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$45280.00 11 11.3% $600.71 Citizens Bank and Trust Company June 27, 2012
$45130.00 9 7.8% $582.87 The Morrill and Janes Bank and Trust Company February 12, 2013
$44700.00 9 6.6% $550.02 The Citizens State Bank, Liberal, Kansas September 21, 2014
$44600.00 9 6.3% $542.1 Citizens State Bank December 19, 2014
$44630.00 11 8.1% $511.88 The Peoples Bank June 2, 2015

7 Months Ago, Gertrude Attempted Finding a High Risk Loan for $32,000.00, and it was Easy

There is an ongoing struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Gertrude. Gertrude chose not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Clients with credit ratings as low as 456 can apply for a high risk loan and possibly can be approved.

When Gertrude was 19, they attempted to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a chronology of Gertrude’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $31,000.00 on July 3, 2009
  • Attempt 2) Loan for $22,000.00 on March 26, 2010
  • Attempt 3) Loan for $35,000.00 on October 13, 2011
  • Attempt 4) Loan for $27,000.00 on March 13, 2011
  • Attempt 5) Loan for $22,000.00 on January 31, 2012
  • Attempt 6) Loan for $21,000.00 on September 28, 2012
  • Attempt 7) Loan for $26,000.00 on July 28, 2012

Conclusion of Gertrude’s emergency loan

In the end, Gertrude was able to find an emergency loan for $96000 with an interest rate of 6.1% interest APR from Bank IV Great Bend, National Association in Great Bend, Kansas repayable over 11 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.