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$4000 Signature Loan With Excellent Credit In Dallas Texas

$4000 Signature Loan – Dallas Texas, Credit Score Of 805

  • Experian: 820 – This client had an excellent Experian rating
  • Transunion: 787 – Mack had an excellent credit score with Transunion.
  • Equifax: Mack’s Experian score was 805, which is an excellent credit score with the Experian scale.

Mack has a low current gross income, but has a high number of prospects

Mack has always wanted to be a clergy member, but would have to attend “Eastern Suffolk Board of Cooperative Education, James Hines Administrative Center” again to become one. Mack has other prospects as well, including industrial waste inspector, nuclear fuels research engineer, and radio & tv talk show host, which pay $51,000 through to $106,000 per year, at least. Because of this, we think that Mack can pay for this signature loan of $4000.

Personal Loan for a bulldozer / grader operator named Mack in Dallas, Texas to Pay Off Virgin Atlantic White Card

Mack had a tonne of credit card debt on their Express Credit Card Elvis Presley Visa Platinum Rewards Card and their State Farm Bank Business Visa Card, and they were starting to get in over their heads. Despite Mack’s job as a bulldozer / grader operator, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Contact Details for New First City, Texas – Dallas, National Association, the provider of this signature loan

  • New First City, Texas – Dallas, National Association
  • City: Dallas
  • State: Texas
  • Address: 1700 Pacific Street
  • County: Dallas
  • Zip code: 75222

Mack’s Overall FICO score at the time of acceptance for a signature loan, taking into account their bulldozer / grader operator job and their future job as a clergy member

Fico Score: 805

6 Months Ago, Mack Attempted to Find a High Risk Loan for $22,000.00, and it was Hard

It is an ongoing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Mack. Mack chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit borrowers. Borrowers with credit scores as low as 397 can apply for a high risk loan and may be be accepted.

Before applying for this signature loan, Mack had an Experian score of 820, which is excellent, so New First City, Texas – Dallas, National Association likely can provide Mack a signature loan

Experian Score: 820

Mack was declined by First State Bank of Matador 6 times before being approved by New First City, Texas – Dallas, National Association at 1700 Pacific Street

On September 12, 2010, Mack applied about borrowing $11,000 from First Consolidated Bank – Ferris with Shanae, their friend from just outside Dallas, and even with the co-signer, Mack was rejected for this signature loan. With excellent credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Fast Loans for Mack in Dallas, Texas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Dallas, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Mack. Mack was able to find a fast loan for $4000 from First Financial Bank and First Bank & Trust of Clarendon, but turned down both offers in favor of their signature loan from New First City, Texas – Dallas, National Association. 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 7 weeks for debt consolidation loans. A big improvement if you are on the go.

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $35,000.00 to $47,000.00. They are typically used to pay off existing high interest loans like credit cards. Mack needed a debt consolidation loan to pay for their existing signature loan and their credit card. Mack was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your dirty, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.3%.

Signature Loan acquired in Dallas, Texas for $4000 with excellent credit by Mack

Many prospective borrowers have difficulty with obtaining signature loans in Dallas, Texas, and Mack is not an exception. Mack went to 5 lending institutions or more before settling on New First City, Texas – Dallas, National Association, who offered Mack a signature loan for $4000. Typical signature loans simply require a client, like Mack’s signature to get them, up to $20,000 in some cases. Mack was able to get $4000 as a signature loan, which is very high for a signature loan. Since signature loans do not need a cosigner, they tend to require higher credit, as high as 792

Mack’s Transunion score was altered by the signature loan loan, changing to 787 from 805, which is normal in our experience.

Transunion Score: 787

Client Profile: Mack Cartwright of Dallas, Texas
  • Full name (Changed if requested): Mack Cartwright
  • Current Credit: loans.hit.utils.Fico@3f8f9dd6
  • Current City: Dallas
  • State: Texas
  • Zip code: 75228
  • Yearly income: $30,000
  • Current Job: bulldozer / grader operator
  • Current County: Dallas
  • Goal Yearly Income: $122,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Paraphrased and Standardized Quote from Mack for this signature loan of $4000, provided by New First City, Texas – Dallas, National Association

Hello, I am Mack and my hometown is Dallas in Texas. Dallas, county is where I grew up, and now I need a signature loan in Texas for $4000 to buy a car. It has been difficult, but New First City, Texas – Dallas, National Association really came through for me with this loan for 11.1% interest APR and a term of 17 years. I can repay the loan over the 17 year term, including interest. A big thanks to New First City, Texas – Dallas, National Association for giving me a chance and my excellent credit. It look me 8 years to build my credit to 805, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

When Mack was 20, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit rating. Below is a chronology of Mack’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on January 27, 2010
  • Attempt 2) Loan for $37,000.00 on June 16, 2010
  • Attempt 3) Loan for $33,000.00 on January 11, 2012
  • Attempt 4) Loan for $32,000.00 on October 10, 2009
  • Attempt 5) Loan for $35,000.00 on August 21, 2012
  • Attempt 6) Loan for $24,000.00 on December 28, 2011
  • Attempt 7) Loan for $28,000.00 on September 4, 2013

Installment loan for Mack, a graduate of “Eastern Suffolk Board of Cooperative Education, James Hines Administrative Center” and a bulldozer / grader operator working for over $68,000 per year

Mack, an alumnus at “Eastern Suffolk Board of Cooperative Education, James Hines Administrative Center” and a bulldozer / grader operator in Dallas, Texas needs a signature loan to purchase a car. Mack has instead decided to get an installment loan for $10,000 and is at present seeking lenders like Farmers State Bank of Madisonville, Texas to provide it.

Several previous requests for credit have been made by Mack in the past, including one from Yaquina Bay Bank in Dallas, Texas before Mack was approved for the $4000 by New First City, Texas – Dallas, National Association

Mack made 9 previous tries to obtain a signature loan, 2 of which were with Yaquina Bay Bank, a lender in Dallas, Texas known to specialize in signature loans specifically. Before finding New First City, Texas – Dallas, National Association, Mack was concerned due to their inexperience and excellent credit score.

Previous requests on Mack’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$68890.00 7 10.3% $1154.36 Comerica Bank October 17, 2012
$68650.00 5 5.2% $1301.81 First Star Bank, S.S.B. June 19, 2013
$69470.00 10 6.8% $799.46 Brownfield State Bank & Trust Co. September 23, 2013
$68690.00 10 9.6% $892.6 First Bank & Trust, Bryan, Texas April 19, 2014

Conclusion of Mack’s signature loan

In the end, Mack was able to find a signature loan for $4000 with an interest rate of 6.7% interest APR from New First City, Texas – Dallas, National Association in Dallas, Texas repayable over 17 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.