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Private Loan With Reasonable APR In Dane County, Wisconsin

$156000 Private Loan – Madison Wisconsin, Credit Score Of 523

  • Experian: 539 – This client had a fair Experian score
  • Transunion: 511 – Keeley had a fair credit score with Transunion.
  • Equifax: Keeley’s Experian score was 523, which is a fair credit score on the Experian system.

Keeley has a sad current yearly income, but has a high number of prospects

Keeley has always wanted to be a communications professor, but would have to attend Indiana University – Purdue University Indianapolis again to become one. Keeley has other prospects as well, including insurance lawyer, postal service mail sorter, and cartographer, which pay $56,000 through to $105,000 per year, at least. Because of this, we think that Keeley can afford this private loan of $156000.

Keeley’s Overall FICO score at the time of acceptance for a private loan, taking into account their health psychologist job and their future career as a communications professor

Fico Score: 523

Several previous requests for credit have been made by Keeley in the past, including one from The Peoples Bank in Madison, Wisconsin before Keeley was approved for the $156000 by M&I Bank of Southern Wisconsin

Keeley made 4 previous tries to obtain a private loan, 2 of which were with The Peoples Bank, a lender in Madison, Wisconsin known to specialize in private loans specifically. Prior to finding M&I Bank of Southern Wisconsin, Keeley was very concerned due to their inexperience and fair credit rating.

Contact Details for M&I Bank of Southern Wisconsin, the provider of this private loan

  • M&I Bank of Southern Wisconsin
  • City: Madison
  • State: Wisconsin
  • Address: 1 West Main Street
  • County: Dane
  • Zip code: 53701

Fast Loans for Keeley in Madison, Wisconsin to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Madison, Wisconsin aren’t actually that difficult to obtain, especially if you have some gumption like Keeley. Keeley was able to find a fast loan for $156000 from S & C Bank, Chippewa and Citizens State Bank, but turned down both offers in favor of their private loan from M&I Bank of Southern Wisconsin. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big difference if you are on the go.

Previous requests on Keeley’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$23350.00 5 5.6% $447.09 M&I Bank of Burlington October 27, 2012
$23490.00 11 6.2% $245.92 M&I Marshall and Ilsley Bank November 4, 2013
$22520.00 9 9.8% $314.62 Continental Bank & Trust Co. November 15, 2014
$22620.00 11 7.7% $254.58 Clare Bank, National Association February 16, 2015

Keeley was declined by Burlington Marine Bank 6 times before being approved by M&I Bank of Southern Wisconsin at 1 West Main Street

On August 6, 2009, Keeley inquired about borrowing $5,000 from Continental Bank & Trust Co. with Arlena, their friend from just outside Madison, and even with the co-signer, Keeley was rejected for this private loan. With fair credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Personal Loan for a health psychologist named Keeley in Madison, Wisconsin to Pay Off Atlantic Stewardship Bank Visa Business Card

Keeley had a tonne of credit card debt on their Chicago White Sox BankAmericard Cash Rewards MasterCard and their Steuben Trust Visa Business Card, and they were starting to get in over their heads. Despite Keeley’s job as a health psychologist, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

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

Most debt consolidation loans vary from $21,000.00 to $52,000.00. They are normally used to pay off existing high interest loans like credit cards. Keeley needed a debt consolidation loan to pay for their existing private loan and their credit card. Keeley was able to find a private loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.2%.

Signature Loan easily acquired in Madison, Wisconsin for $156000 with fair credit by Keeley

Most borrowers struggle with obtaining signature loans in Madison, Wisconsin, and Keeley is not an exception. Keeley went to 6 lending institutions or more before settling on M&I Bank of Southern Wisconsin, who offered Keeley a signature loan for $156000. Most signature loans simply require a client, like Keeley’s signature to get them, up to $21,000 in some cases. Keeley was able to get $156000 as a private loan, which is very high for a private loan. Because signature loans do not need collateral, these loans tend to need improved credit, as high as 751

Paraphrased and Standardized Quote from Keeley for this private loan of $156000, provided by M&I Bank of Southern Wisconsin

Hi, I am Keeley and my hometown is Madison in Wisconsin. Dane, county is where I grew up, and now I need a private loan in Wisconsin for $156000 to buy a big ticket item. It wasn’t easy, but M&I Bank of Southern Wisconsin really came through for me with this loan for 8.7% interest APR and a term of 11 years. I can repay the loan over the 11 year term, including interest. A big thanks to M&I Bank of Southern Wisconsin for giving me a chance and my fair credit. It look me 5 years to build my credit to 523, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Installment loan for Keeley, a graduate of Indiana University – Purdue University Indianapolis and a health psychologist working for over $69,000 per year

Keeley, an alumnus at Indiana University – Purdue University Indianapolis and a health psychologist in Madison, Wisconsin needs a private loan to purchase a new cell phone. Keeley has instead decided to obtain an installment loan for $5,000 and is currently seeking lenders like Associated Bank Milwaukee to provide it.

Before applying for this private loan, Keeley had an Experian score of 539, which is fair, so M&I Bank of Southern Wisconsin likely can provide Keeley a private loan

Experian Score: 539

8 Months in the Past, Keeley Tried to Find a High Risk Loan for $49,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Keeley. Keeley chose not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Individuals with credit ratings as low as 350 can apply for a high risk loan and may be be accepted.

Client Profile: Keeley Cholakyan of Madison, Wisconsin
  • Full name (Changed if requested): Keeley Cholakyan
  • Current Credit: loans.hit.utils.Fico@18769467
  • Current City: Madison
  • State: Wisconsin
  • Zip code: 53704
  • Yearly income: $43,000
  • Current Job: health psychologist
  • Current County: Dane
  • Goal Yearly Income: $110,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

When Keeley was 21, they tried to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a list of Keeley’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on February 18, 2013
  • Attempt 2) Loan for $35,000.00 on August 9, 2009
  • Attempt 3) Loan for $20,000.00 on February 13, 2009
  • Attempt 4) Loan for $33,000.00 on April 29, 2013
  • Attempt 5) Loan for $37,000.00 on July 30, 2013
  • Attempt 6) Loan for $36,000.00 on July 29, 2009
  • Attempt 7) Loan for $31,000.00 on June 22, 2010

Keeley’s Transunion score was changed by the private loan loan, changing to 511 from 523, which is typical in our experience.

Transunion Score: 511

Conclusion of Keeley’s private loan

In the end, Keeley was able to find a private loan for $156000 with an interest rate of 8.8% interest APR from M&I Bank of Southern Wisconsin in Madison, Wisconsin 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.