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15 Month, Variable Interest Quick Loan For Theo In Minnesota

$86000 Quick Loan – St. James Minnesota, Credit Score Of 427

  • Experian: 445 – This client had a bad Experian score
  • Transunion: 408 – Theo had a bad credit score with Transunion.
  • Equifax: Theo’s Experian score was 427, which is a bad credit score on the Experian scale.

Theo’s Transunion score was changed by the quick loan loan, changing to 408 from 427, which is normal in our experience.

Transunion Score: 408

Theo was declined by Atwater State Bank 6 times before being accepted by Citizens State Bank of St. James at 123 Armstrong Boulevard South

On May 20, 2013, Theo inquired about borrowing $35,000 from Ormsby State Bank with Flavia, their in law from just outside St. James, and even with the co-signer, Theo was rejected for this quick loan. With bad credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Fast Loans for Theo in St. James, Minnesota to prevent bankruptcy or broken legs from debt collectors.

Fast loans in St. James, Minnesota aren’t actually that difficult to obtain, especially if you have some gumption like Theo. Theo was able to find a fast loan for $86000 from State Bank of Park Rapids and Atwater State Bank, but turned down both offers in favor of their quick loan from Citizens State Bank of St. James. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement if you are in a time sensitive situation.

Paraphrased and Standardized Quote from Theo for this quick loan of $86000, provided by Citizens State Bank of St. James

Hi, I am Theo and I’m from St. James in Minnesota. Watonwan, county is where I grew up, and now I need a quick loan in Minnesota for $86000 to renovate my home. It wasn’t easy, but Citizens State Bank of St. James really came through for me with this loan for 10.3% interest APR and a term of 15 years. I can repay the loan over the 15 year term, including interest. A big thanks to Citizens State Bank of St. James for giving me a chance and my bad credit. It look me 8 years to create my credit to 427, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

When Theo was 22, they attempted to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a list of Theo’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on March 28, 2012
  • Attempt 2) Loan for $39,000.00 on June 4, 2010
  • Attempt 3) Loan for $37,000.00 on March 7, 2010
  • Attempt 4) Loan for $24,000.00 on April 7, 2009

Installment loan for Theo, a graduate of West Chester University of Pennsylvania and an able seamen working for over $69,000 per year

Theo, an alumnus at West Chester University of Pennsylvania and an able seamen in St. James, Minnesota needs a quick loan to purchase a new cell phone. Theo has instead chosen to obtain an installment loan for $9,000 and is at present seeking lenders like Root River State Bank to process their request.

Signature Loan found in St. James, Minnesota for $86000 with bad credit by Theo

Many clients have difficulty with finding signature loans in St. James, Minnesota, and Theo is no different. Theo went to 5 lenders or more before settling on Citizens State Bank of St. James, who offered Theo a signature loan for $86000. Most signature loans simply need a client, like Theo’s signature to obtain them, up to $20,000 in some cases. Theo was able to get $86000 as a quick loan, which is very high for a quick loan. Since signature loans do not need collateral, they tend to need higher credit, as high as 768

Contact Details for Citizens State Bank of St. James, the provider of this quick loan

  • Citizens State Bank of St. James
  • City: St. James
  • State: Minnesota
  • Address: 123 Armstrong Boulevard South
  • County: Watonwan
  • Zip code: 56081

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $29,000.00 to $44,000.00. They are typically used to pay off existing high interest loans like credit cards. Theo needed a debt consolidation loan to pay for their existing quick loan and their credit card. Theo was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.8%.

Several previous requests for credit have been made by Theo in the past, including one from Citizens Bank & Trust Company in St. James, Minnesota before Theo was accepted for the $86000 by Citizens State Bank of St. James

Theo made 6 previous attempts to obtain a quick loan, 2 of which were with Citizens Bank & Trust Company, a bank in St. James, Minnesota known to specialize in quick loans specifically. Prior to finding Citizens State Bank of St. James, Theo was desperate due to their inexperience and bad credit score.

Previous requests on Theo’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$132670.00 8 9.2% $1957.44 Marquette Bank Cannon Falls October 13, 2011
$133260.00 9 7.8% $1721.09 Root River State Bank January 7, 2013
$133400.00 9 8.1% $1743.62 Clinton State Bank December 30, 2013
$133150.00 11 11.3% $1766.45 Peoples State Bank of Plainview July 30, 2014
$133340.00 7 5.5% $1916.1 Security State Bank of Wykoff December 14, 2014

Theo’s Overall FICO score at the time of acceptance for a quick loan, taking into account their able seamen job and their future career as an outdoor education teacher

Fico Score: 427

8 Months Ago, Theo Attempted to Find a High Risk Loan for $33,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Theo. Theo chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Individuals with credit scores as low as 505 can apply for a high risk loan and possibly can be approved.

Theo has a disappointing current gross income, but has a large amount of prospects

Theo has always wanted to be an outdoor education teacher, but would have to attend West Chester University of Pennsylvania again to become one. Theo has other prospects as well, including real estate lawyer, historical archivist, and religious institution education coordinator, which pay $50,000 through to $99,000 per year, at least. For this reason, we think that Theo can pay for this quick loan of $86000.

Before applying for this quick loan, Theo had an Experian score of 445, which is bad, so Citizens State Bank of St. James probably cannot provide Theo a quick loan

Experian Score: 445

Personal Loan for an able seamen named Theo in St. James, Minnesota to Pay Off BancorpSouth Platinum MasterCard

Theo had a tonne of credit card debt on their USAA Secured Card American Express and their Nordstrom Mod Credit Card, and they were starting to get in over their heads. Despite Theo’s job as an able seamen, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Client Profile: Theo Jurgensmeier of St. James, Minnesota
  • Full name (Changed if requested): Theo Jurgensmeier
  • Current Credit: loans.hit.utils.Fico@ed17bee
  • Current City: St. James
  • State: Minnesota
  • Zip code: 56082
  • Yearly income: $69,000
  • Current Job: able seamen
  • Current County: Watonwan
  • Goal Yearly Income: $104,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Conclusion of Theo’s quick loan

In the end, Theo was able to find a quick loan for $86000 with an interest rate of 10.3% interest APR from Citizens State Bank of St. James in St. James, Minnesota repayable over 15 years from today.

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.