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21 Month, Variable Interest Personal Loan For Dale In Colorado

$102000 Personal Loan – Wray Colorado, Credit Score Of 388

  • Experian: 405 – This individual had a terrible Experian score
  • Transunion: 375 – Dale had a terrible credit rating with Transunion.
  • Equifax: Dale’s Experian score was 388, which is a terrible credit score with the Experian rating scheme.

Previous requests on Dale’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$106810.00 7 8.3% $1680.77 Affiliated National Bank – Delta May 22, 2010
$106900.00 6 7.8% $1863.88 Central Bank, National Association June 7, 2013
$106650.00 8 8.3% $1523.99 The Colorado Bank and Trust Company of La Junta December 29, 2013
$106790.00 11 5.7% $1090.83 Colorado State Bank and Trust, N. A. October 16, 2014

Dale’s Transunion score was changed by the personal loan loan, changing to 375 from 388, which is typical in our experience.

Transunion Score: 375

Dale’s Overall FICO score at the time of acceptance for a personal loan, taking into account their insurance appraiser job and their future career as a music therapist

Fico Score: 388

7 Months Ago, Dale Attempted Finding a High Risk Loan for $43,000.00, and it was Easy

It is an ongoing struggle for clients to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Dale. Dale chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Clients with credit scores as low as 578 can inquire for a high risk loan and have a chance to be approved.

Dale was declined by The Minnequa Bank of Pueblo 6 times prior to being approved by First Pioneer National Bank at 145 West Fourth Street

On January 30, 2013, Dale inquired about borrowing $24,000 from Norwest Bank Colorado Springs, National Association with Gala, their friend from just outside Wray, and even with the co-signer, Dale was rejected for this personal loan. With terrible credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Dale has a sad current total income, but has several of prospects

Dale has always wanted to be a music therapist, but would have to attend Capri Cosmetology Learning Center again to become one. Dale has other prospects as well, including irrigation engineer, tax preparer, and peace corps worker, which pay $56,000 through to $93,000 per year, on average. Because of this, we believe that Dale can afford this personal loan of $102000.

Installment loan for Dale, a graduate of Capri Cosmetology Learning Center and an insurance appraiser working for over $62,000 per year

Dale, an alumnus at Capri Cosmetology Learning Center and an insurance appraiser in Wray, Colorado wants a personal loan to purchase a new cell phone. Dale has instead decided to get an installment loan for $29,000 and is currently seeking lenders like The Citizens State Bank of Ouray to provide it.

Contact Details for First Pioneer National Bank, the provider of this personal loan

  • First Pioneer National Bank
  • City: Wray
  • State: Colorado
  • Address: 145 West Fourth Street
  • County: Yuma
  • Zip code: 80758

Personal Loan for an insurance appraiser named Dale in Wray, Colorado to Pay Off EmigrantDirect World MasterCard

Dale had a lot of credit card debt on their Carter Lumber Company Credit Card and their Steuben Trust Secured Visa Card, and they were starting to get in over their heads. Despite Dale’s job as an insurance appraiser, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Dale for this personal loan of $102000, provided by First Pioneer National Bank

Hello, I am Dale and my hometown is Wray in Colorado. Yuma, county is where I grew up, and now I need a personal loan in Colorado for $102000 to pay bills. It wasn’t easy, but First Pioneer National Bank really came through for me with this loan for 7.6% interest APR and a term of 21 years. I can repay the loan over the 21 year term, including interest. A big thanks to First Pioneer National Bank for giving me a chance and my terrible credit. It look me 5 years to create my credit to 388, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Many past requests for credit have been made by Dale in the past, including one from Flagship State Bank of Arlington in Wray, Colorado before Dale was approved for the $102000 by First Pioneer National Bank

Dale made 4 previous attempts to obtain a personal loan, 2 of which were with Flagship State Bank of Arlington, a bank in Wray, Colorado known to specialize in personal loans specifically. Before finding First Pioneer National Bank, Dale was very concerned due to their inexperience and terrible credit score.

Fast Loans for Dale in Wray, Colorado to prevent bankruptcy or harm from debt collectors.

Fast loans in Wray, Colorado aren’t actually that difficult to obtain, particularly if you have some finesse like Dale. Dale was able to find a fast loan for $102000 from The Burns National Bank of Durango and The National City Bank of Denver, but turned down both offers in favor of their personal loan from First Pioneer National Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference in the case that a borrower is in a pinch.

When Dale was 23, they attempted to obtain a student loan from 4 alternate lenders, which harmed their credit rating. Below is a chronology of Dale’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on June 3, 2009
  • Attempt 2) Loan for $35,000.00 on May 27, 2010
  • Attempt 3) Loan for $26,000.00 on October 14, 2012
  • Attempt 4) Loan for $35,000.00 on April 26, 2012

Signature Loan acquired in Wray, Colorado for $102000 with terrible credit by Dale

Many borrowers struggle with finding signature loans in Wray, Colorado, and Dale is the same. Dale went to 5 lenders or more before finding First Pioneer National Bank, who offered Dale a signature loan for $102000. Typical signature loans simply require a client, like Dale’s signature to obtain them, up to $30,000 in some cases. Dale was able to get $102000 as a personal loan, which is very high for a personal loan. Since signature loans don’t need a cosigner, these loans generally require better credit, as high as 749

Client Profile: Dale Lich of Wray, Colorado
  • Full name (Changed if requested): Dale Lich
  • Current Credit: loans.hit.utils.Fico@7cd84586
  • Current City: Wray
  • State: Colorado
  • Zip code: 80762
  • Yearly income: $57,000
  • Current Job: insurance appraiser
  • Current County: Yuma
  • Goal Yearly Income: $84,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $27,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Dale required a debt consolidation loan to pay for their existing personal loan and their loan shark loan. Dale was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.6%.

Before applying for this personal loan, Dale had an Experian score of 405, which is terrible, so First Pioneer National Bank most likely cannot provide Dale a personal loan

Experian Score: 405

Conclusion of Dale’s personal loan

In the end, Dale was able to find a personal loan for $102000 with an interest rate of 5.0% interest APR from First Pioneer National Bank in Wray, Colorado repayable over 21 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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