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Valeska Has A Fico Score Of 487, And Gets $48000 From Emprise Bank

We were contacted by a client with a credit score of 473 with TransUnion, 487 with Equifax and  497 with Experian looking for a secured loan. We provided lenders for all types of loan requirements below.

Best Secured Bad Credit Loan Options

Most lenders are looking to provide loans to people with security. The lenders want their money to be protected with assets as collateral. If you do try to apply for a loan with bad credit, having security can go a long way. Security refers to the equity in your home, refinancing your vehicle or finding a co-signer. The lender will place a lien against your asset to secure the loan. Even when you are using security, it can be difficult getting a secured loan. Lenders still check your payment history as they do not want to risk having to repossess your assets. If you are planning on using security to secure your loan, you are risking the possibility of losing your assets if you default on the loan payment.

Bad Credit Auto Financing

If you are searching for an auto loan up to $45,000, look no further. This auto loan provider specializes in auto loans for any credit score. Give them a try today:  Auto loans -- Bad Credit? No Credit? No Problem!

Secured Auto Purchase and Refinance

LendingTree offers hundreds of auto lenders that will help you buy the new car or refinance your existing vehicle. This can be a great way to get capital out of an asset. This provider can refinance your vehicle and get your capital back to you.

Unsecured Bad Credit Loan Providers

A bad credit loan definition is referring to a credit score. When a credit score is below 580, this is typically referred to as bad credit. If your searching for a loan with a credit score below 580 without collateral/security, you're applying for an unsecured bad credit loan.

What you can expect when you apply for a bad credit loan: 

  • Loan amounts normally do not exceed $5,000
  • The term of a bad credit loan is much shorter with the longest term around 36 months
  • Interest rates will be much higher with some starting over 25%

Secured Credit Cards

  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI

    

Unsecured Credit Cards

Get the security and convenience of a full-featured, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; First Access may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Unsecured Payday Loan Debt Consolidation: $500 to $5,000

Consolidating payday loans with 400% to 1500% interest rates will save you money. OppLoans offer an installment loan which provides equal payments over a set period of time to get rid of payday loans.

Debt Consolidation Personal Loan Options

An unsecured personal loan is a great solution if your credit score and credit history meets the criteria of the lender.  We have listed personal loan providers with credit scores starting at 590. This lender group offers loans ranging from $1,000 to $100,000. When banks consider a 620 credit score a high risk, online lenders are happy to receive your loan application

Co-Signing or Joint Signing

FreedomPlus specializes in co-signing with loans up to $40,000. If you are considering co-signing or asking someone to co-sign, we have provided information that explains the pros and cons of co-signing.

Secured Home Equity Loan or Home Equity Line of Credit (HELOC)

A home equity loan or home equity line of credit (HELOC) provides an excellent way to consolidate debt even with bad to fair credit score. The home equity provider we have listed has consolidated over 1,500 companies to give you the greatest chance to qualify for a loan.  When you have good credit and the bank looks to provide a home equity loan or HELOC, they will normally finance the property up to 80-90% of the loan to value. The loan to value is the difference between the size of the mortgage and what you will get if you sold the property. With bad or fair credit, the loan to value may drop to as low as 60 to 70% and the interest rates may be higher. This will mean that the amount they are willing to lend will be lower.

Reverse Mortgage Options

Business Loan Refinancing

We have added a number of business loan providers that will look at a debt consolidation loan with personal credit scores starting at 500. Some conditions apply including the time in business and gross annual revenues.

Free Credit Score Repair

Novita offers a free service credit rebuilding program

Research your Credit Score and Credit History

It's always a good idea to check your credit score and credit history before applying for a loan. Look through the report and check and see if you agree with everything on the report. If you disagree with the information on the report, contact the credit bureau and let them know that there is an error.

Lexington Law

If you find errors in your credit report, Lexington Law helps consumers repair errors on their credit report.

America Loan Service was contacted by Valeska looking for a secured loan. We sent them many options for their review. 

Valeska is a cosmetologist from Pratt, Kansas who wants a $48000 secured loan. In 2011, Valeska and her husband had maxed their credit cards to pay medical bills on her SunTrust Cash Rewards and her NEA Platinum Plus Credit Card. The debt was valued at $48,000, and Valeska only made $59,000 per year after tax. They were only paying the minimum payment every month and decided to add this debt to their home.  


A secured loan for $48000 in Kansas near 67124

Seeking financing often impacts clients credit scores. Once accepted, individuals experience alterations to their credit. Valeska underwent diverse variations to their credit during the approval of this $48000 secured loan. Valeska had an initial credit score of 487.

  • On the Fico system, Valeska had a 587 credit rating, a bad credit score
  • Valeska had a rating on the Transunion scale of 473, which is regarded as bad credit
  • On the Experian scale, Valeska had a 497 credit score, a bad credit rating

Details on the lending institution called Emprise Bank from Pratt, Kansas

  • Emprise Bank
  • Street Address: 906 East First
  • Branch city: Pratt
  • Branch state: Kansas
  • Branch zip code: 67124

Valeska had a Fico score of 487, regarded as a bad credit score

Fico Score: 587

Valeska has a Transunion score of 473. This is a bad credit rating. Credit scores like that of Valeska alter lending choices

Transunion Score: 473

Valeska has an Experian score of 497. This is a bad credit score. If your score is bad like Valeska, it won't affect your probability of finding a loan

Experian Score: 497
Client Information: Valeska
  • County: Pratt
  • Home State: Kansas
  • Current zip code: 67125
  • Current income: undisclosed
  • Profession: cosmetologist
  • Credit Card Debt: $0 on their Popular Community Bank Platinum MasterCard

Valeska Is From Pratt, Kansas And Contacted America Loan Service Searching For Credit Card Debt Help When The Family Had Credit Cards At Their Limit. America Loan Service Sent Valeska To The Experts Listed On This Site And Has Found The Help They Were Looking For.

Valeska in Pratt, Kansas has credit card debt problems and went to Emprise Bank for assistance to pay out their credit cards with a secured loan that has lower interest rates. The loan advisor pulled their Fico score and took them through the information line by line. Valeska realized that they lot more debt them first anticipated and were turned down. 

7.8% Debt Consolidation For Valeska In Pratt, Kansas

You can use a lot of different loan products to get to a debt consolidation loan. If your credit rating is very good, an unsecured personal loan will provide low-interest rates.  

Past Applications

Application from: Shantell

City: Tracy
State: Minnesota
Credit Rating (FICO): 587
Profession: middle school teacher
Amount Requested: $24000
Age: 37
Current Debt: 32,000
Yearly Income: 35,000
Zip Code: 56175

Message:

howdy , my name is Shantell and we want $24000 for overdue rent payments. our credit score is 587 - a fair score , I have been lead to believe


Reply to: Shantell


Application from: Roy

City: Butler
State: indiana
Credit Rating (FICO): 497
Profession: owner operator of semi truck
Amount Requested: $49998
Age: 44
Current Debt: 16000
Yearly Income: 120000
Zip Code: 46721

Message:

Please help me. I have a family and we are about to lose everything because I have a personal loan out with a guy for a semi truck and tralier and house. he is wanting all his money now instead of doing the agreed

Hi Roy,

So sorry to hear about your personal loan circumstance. We will get your information our asap. Your Fico score will really limit who we can send this too even with your excellent income. America Loan Service has no influence on the lenders and only forwarding your information. The relationship will be between you and the institution providing the loan. Wishing you success, The America Loan Service team.


Reply to: Roy


Application from: Sasha R

City: SHORTSVILLE
State: NY
Credit Rating (FICO): 487
Profession: Profession not given
Amount Requested: $3500
Age: 29
Current Debt: 10000
Yearly Income: Income Not Specified
Zip Code: 14548

Message:

We will forward this on for you, good Luck. We have a very good lender that fits the amount of capital you require. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Sasha R


Application from: Karen**

City: College Park
State: MD
Credit Rating (FICO): 487
Profession: Light industrial /warehouse
Amount Requested: $10000
Age: 47
Current Debt: 3000
Yearly Income: 15000
Zip Code: 20740

Message:

Need loan to pay off debt. Get better credit score and to start a franchise that has been tried and pr

Hi Karen,

We have someone that may be able to help.


Reply to: Karen**


Application from: Przemek

City: Claremore
State: Oklahoma
Credit Rating (FICO): 541
Profession: credit reporter
Amount Requested: $57000
Age: 53
Current Debt: 87,000
Yearly Income: 67,000
Zip Code: 74017

Message:

going through a divorce and I need a loan to clear off all debt between us. We live in Claremore Oklahoma so follow up about the cheapest loan provider for our area.


Reply to: Przemek


Application from: Jessica*

City: Ocala
State: Fl
Credit Rating (FICO): 487
Profession: Self employed
Amount Requested: $5000
Age: 33
Current Debt:
Yearly Income: 25000
Zip Code: 34480

Message:I am a widow with two boys and need help for clothes and food and xmas and sxhool >Hi Jessica, You didn't leave an email so we cannot contact you. Please contact us again and we will do our best to help you out. If you go on our site and look at badcreditloans.com

Reply to: Jessica*


Application from: Jessica

City: Ocala
State: Fl
Credit Rating (FICO): 487
Profession: Self employed
Amount Requested: $5300
Age: 33
Current Debt:
Yearly Income: 25000
Zip Code: 34480

Message:I am a widow with two boys and need help for clothes and food and xmas,basketball and school. I have bad credit because of my husband who is deceased and ive had so much trouble because i cant get anyone to help me and give me a chance to prove i will pay back and make my payments. I just need someone to put faith in me instead of my boys and i having to keep suffering because of my late husbands poor buisness skills

Reply to: Jessica


Application from: andrette*

City: coral springs
State: FL
Credit Rating (FICO): 487
Profession: boarding representative
Amount Requested: $2500
Age: 57
Current Debt: 1500
Yearly Income: 30000
Zip Code: 33065

Message:

Reply to: andrette*


Application from: Phillip Lindly

City: Staunton
State: Va
Credit Rating (FICO): 487
Profession: Production
Amount Requested: $1500
Age: 35
Current Debt: 1000-2000
Yearly Income: 31000
Zip Code: 24401

Message:

Reply to: Phillip Lindly


Application from: Phillip Lindly

City: Staunton
State: Va
Credit Rating (FICO): 487
Profession: Production
Amount Requested: $1500
Age: 35
Current Debt: 1000-2000
Yearly Income: 31000
Zip Code: 24401

Message:

Reply to: Phillip Lindly


Application from: Halla*

City: Utica
State: Ohio
Credit Rating (FICO): 497
Profession: Manager
Amount Requested: $1500
Age: 29
Current Debt:
Yearly Income: 21120
Zip Code: 43080

Message:Hi Halla, Here are a few options for you. With your credit rating at 497, you have limited options. The option that we can recommend for the amount you require and is badcreditloans.com They offer loans from $500.00 to $5,000.00 and the interest rate will be expensive. The approval rating that we have seen so far is very low. Personalloans.com offers loans from $1,000 - $35,000.00 with interests rates starting at 5.99% to 35.99% Minimum credit score of 580 We can also recommend one company that offers debt settlement services called national debt relief if you have debt to clear up over $10,000.00 If you have security, we would recommend a local credit union and get a secured loan. This would be your best option. America Loan Service is not a lender, we recommend lenders and financial services. Good luck, Gerald Proctor America loan Service Mountain View, California 94040

Reply to: Halla*


Application from: Bobbiejo

City: Gastonia
State: North Carolina
Credit Rating (FICO): 487
Profession: Social Security Disability
Amount Requested: $1000
Age: 40
Current Debt: 2000
Yearly Income: 16000
Zip Code: 28052

Message:Plz help me. I'm a single grandmother and I am raising my 4 month old granddaughter and my y 1 and a half year old grandson by myself with NO HELP FROM EITHER PARENT. I am currently living from motel to motel but would LOVE to be able to move my babies and myself into a 3 bedroom home. I AM SOOOOOO DESPERATE. PLEASE, PLEASE HELP ME GET A LOAN. My credit is poor. 487 and noone wants to give me a chance. I WILL MOST DEFINITELY PAY THIS LOAN BACK. I'm just down on my luck and I REALLY need help. So, PLEASE HELP ME GET A LOAN. Anything up to $1500 will GREATLY be of help and APPRECIATED. THANK YOU VERY MUCH.

Reply to: Bobbiejo


Application from: Michelle

City: Harrison
State: AR
Credit Rating (FICO): 487
Profession: IT
Amount Requested: $5500
Age: 41
Current Debt: 21000
Yearly Income: 60000
Zip Code: 72601

Message:

This loan would be to catch up our bills now that my husband is back to work and give us a fresh start.


Reply to: Michelle


Application from: Toni

City: Charlotte
State: North Carolina
Credit Rating (FICO): 497
Profession: Profession not given
Amount Requested: $1000.00
Age: 41
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 28205

Message:

Hello I'm in need of help and make my payments on time just need a little help.


Reply to: Toni


Application from: Paula

City: Utica
State: Ny
Credit Rating (FICO): 487
Profession: Home health aide
Amount Requested: $1000
Age: 29
Current Debt: 10000
Yearly Income: 23000
Zip Code: 13502

Message:

I really need some help with upcoming bills


Reply to: Paula


A
Anthony Isaacson

March 30th, 2019

Hi Paula -

Unfortunately, we are unable to help you as NY has stringent guidelines for lending to someone with a 487 credit score.  

 

Best of luck

Anthony

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