$156000 High Risk Loan – Hudson Wisconsin, Credit Rating Of 635
- Experian: 650 – This individual had a good Experian score
- Transunion: 616 – Yukiko had a good credit score with Transunion.
- Equifax: Yukiko’s Experian score was 635, which is a good credit rating with the Experian system.
Yukiko’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their budget accountant job and their future job as an aeronautical & aerospace engineer
When Yukiko was 21, they tried to obtain a student loan from 4 alternate lenders, which harmed their credit score. Below is a list of Yukiko’s prior attempts at finding a student loan:
- Attempt 1) Loan for $38,000.00 on May 20, 2013
- Attempt 2) Loan for $23,000.00 on March 17, 2014
- Attempt 3) Loan for $21,000.00 on December 22, 2013
- Attempt 4) Loan for $39,000.00 on September 9, 2009
Fast Loans for Yukiko in Hudson, Wisconsin to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Hudson, Wisconsin aren’t actually that difficult to obtain, especially if you have some finesse like Yukiko. Yukiko was able to find a fast loan for $156000 from Red Cedar Bank National Association and Markesan State Bank, but declined both offers in favor of their high risk loan from Citizens State Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference in the case that a client is in a pinch.
Previous requests on Yukiko’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$29420.00||9||6.7%||$363.48||M&I Bank of Burlington||October 9, 2008|
|$29420.00||10||6.5%||$334.06||M&I Marshall and Ilsley Bank||April 2, 2010|
|$28570.00||4||9.8%||$721.87||Continental Bank & Trust Co.||May 11, 2011|
|$28780.00||3||6.7%||$884.7||Clare Bank, National Association||September 9, 2012|
Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans vary from $36,000.00 to $46,000.00. They are typically used to pay off existing high interest loans like credit cards. Yukiko needed a debt consolidation loan to pay for their existing high risk loan and their loan shark loan. Yukiko was able to find a high risk loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.8%.
Yukiko was rejected by M&I Marshall and Ilsley Bank 7 times before being approved by Citizens State Bank at 375 Stageline Road
On January 14, 2011, Yukiko inquired about borrowing $41,000 from M&I Bay View State Bank with Hilton, their friend from just outside Hudson, and even with the co-signer, Yukiko was rejected for this high risk loan. With good credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Multiple other requests for credit have been made by Yukiko in the past, including one from The Bank of San Ramon Valley in Hudson, Wisconsin before Yukiko was approved for the $156000 by Citizens State Bank
Yukiko made 6 previous tries to obtain a high risk loan, 2 of which were with The Bank of San Ramon Valley, a bank in Hudson, Wisconsin known to specialize in high risk loans specifically. Before finding Citizens State Bank, Yukiko was concerned due to their inexperience and good credit score.
Contact Details for Citizens State Bank, the provider of this high risk loan
- Citizens State Bank
- City: Hudson
- State: Wisconsin
- Address: 375 Stageline Road
- County: St. Croix
- Zip code: 54016
Paraphrased and Standardized Quote from Yukiko for this high risk loan of $156000, provided by Citizens State Bank
Hello, I am Yukiko and I’m from Hudson in Wisconsin. St. Croix, county is where I grew up, and now I need a high risk loan in Wisconsin for $156000 to renovate my home. It has been difficult, but Citizens State Bank really came through for me with this loan for 9.5% interest APR and a term of 16 years. I can probably repay the loan over the 16 year term, including interest. A big thanks to Citizens State Bank for trusting me and my good credit. It look me 9 years to build my credit to 635, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.
Installment loan for Yukiko, a graduate of Doane College and a budget accountant working for over $69,000 per year
Yukiko, an alumnus at Doane College and a budget accountant in Hudson, Wisconsin wants a high risk loan to purchase something frivolous. Yukiko has instead chosen to get an installment loan for $9,000 and is at present seeking lenders like First Bank Southeast, National Association to provide it.
Yukiko has a disappointing current yearly income, but has a large amount of prospects
Yukiko has always wanted to be an aeronautical & aerospace engineer, but would need attend Doane College again to achieve it. Yukiko has other prospects as well, including financial aid counselor, petroleum geologist, and insurance underwriter, which pay $59,000 through to $106,000 per year, at least. Because of this, we think that Yukiko can pay for this high risk loan of $156000.
Before applying for this high risk loan, Yukiko had an Experian score of 650, which is good, so Citizens State Bank most likely cannot provide Yukiko a high risk loan
Personal Loan for a budget accountant named Yukiko in Hudson, Wisconsin to Pay Off RBC Visa Business Platinum Avion Card
Yukiko had a tonne of credit card debt on their Amalgamated Bank MasterCard Gold Secured and their West Elm Credit Card, and they were starting to get in over their heads. Despite Yukiko’s job as a budget accountant, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
- Full name (Changed if requested): Yukiko Glod
- Current Credit: loans.hit.utils.Fico@383534aa
- Current City: Hudson
- State: Wisconsin
- Zip code: 54021
- Yearly income: $32,000
- Current Job: budget accountant
- Current County: St. Croix
- Goal Yearly Income: $120,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
Signature Loan acquired in Hudson, Wisconsin for $156000 with good credit by Yukiko
Many prospective borrowers have difficulty with obtaining signature loans in Hudson, Wisconsin, and Yukiko is no different. Yukiko went to 8 lenders or more prior to finding Citizens State Bank, who offered Yukiko a signature loan for $156000. Typical signature loans simply need a client, like Yukiko’s signature to get them, up to $23,000 in some cases. Yukiko was able to get $156000 as a high risk loan, which is very high for a high risk loan. Because signature loans don’t require a cosigner, these loans generally require better credit, as high as 726
Yukiko’s Transunion score was altered by the high risk loan loan, changing to 616 from 635, which is typical in our experience.
8 Months in the Past, Yukiko Attempted Finding a High Risk Loan for $47,000.00, and it was Easy
It is an existing struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Yukiko. Yukiko chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit applicants. Borrowers with credit scores as low as 409 can inquire for a high risk loan and may be be approved.
Conclusion of Yukiko’s high risk loan
In the end, Yukiko was able to find a high risk loan for $156000 with an interest rate of 7.8% interest APR from Citizens State Bank in Hudson, Wisconsin repayable over 16 years from now.