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Auto Loan With Reasonable APR In Throckmorton County, Texas

$12000 Auto Loan – Throckmorton Texas, Credit Rating Of 789

  • Experian: 805 – The client had an excellent Experian score
  • Transunion: 772 – Valentine had an excellent credit score with Transunion.
  • Equifax: Valentine’s Experian score was 789, which is an excellent credit score with the Experian system.

Multiple past requests for credit have been made by Valentine in the past, including one from Bank Atlanta in Throckmorton, Texas before Valentine was approved for the $12000 by The First National Bank of Throckmorton

Valentine made 7 previous attempts to obtain an auto loan, 2 of which were with Bank Atlanta, a bank in Throckmorton, Texas known to specialize in auto loans specifically. Prior to finding The First National Bank of Throckmorton, Valentine was very concerned due to their inexperience and excellent credit score.

Previous requests on Valentine’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$80800.00 7 5.4% $1157.27 Comerica Bank March 9, 2010
$81290.00 7 9.5% $1328.6 First Star Bank, S.S.B. April 19, 2013
$80780.00 10 11.5% $1135.73 Brownfield State Bank & Trust Co. November 29, 2014
$80840.00 10 9.2% $1032.82 First Bank & Trust, Bryan, Texas July 10, 2015
$81280.00 4 8.3% $1995.75 First Bank & Trust of Clarendon July 11, 2015

Installment loan for Valentine, a graduate of Baker College and an aquarium curator working for over $70,000 per year

Valentine, an alumnus at Baker College and an aquarium curator in Throckmorton, Texas needs an auto loan to purchase a new cell phone. Valentine has instead decided to get an installment loan for $17,000 and is currently seeking lenders like Commercial State Bank to provide it.

Before applying for this auto loan, Valentine had an Experian score of 805, which is excellent, so The First National Bank of Throckmorton most likely cannot provide Valentine an auto loan

Experian Score: 805

6 Months in the Past, Valentine Tried to Find a High Risk Loan for $45,000.00, and it was Hard

There is an existing struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Valentine. Valentine decided not to get a high risk loan this time. High Risk loans are given to terrible credit individuals. Borrowers with credit scores as low as 581 can inquire for a high risk loan and have a chance to be approved.

Personal Loan for an aquarium curator named Valentine in Throckmorton, Texas to Pay Off United Airlines Mileage Plus Club Visa Card

Valentine had a tonne of credit card debt on their Agriculture Federal Credit Union Visa Platinum and their BankAmericard Visa Card, and they were starting to get in over their heads. Despite Valentine’s job as an aquarium curator, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Valentine has a sad current gross income, but has a large amount of prospects

Valentine has always wanted to be an air crew member, but would need attend Baker College again to become one. Valentine has other possibilities as well, including automotive glass installer, office machine mechanic, and dispatcher, which pay $55,000 through to $100,000 per year, at least. For this reason, we believe that Valentine can afford this auto loan of $12000.

Signature Loan easily acquired in Throckmorton, Texas for $12000 with excellent credit by Valentine

Many borrowers have difficulty with finding signature loans in Throckmorton, Texas, and Valentine is no different. Valentine went to 7 lenders or more prior to settling on The First National Bank of Throckmorton, who offered Valentine a signature loan for $12000. Most signature loans simply require a client, like Valentine’s signature to obtain them, up to $20,000 in some cases. Valentine was able to get $12000 as a auto loan, which is very high for an auto loan. Because signature loans don’t require a cosigner, they tend to need higher credit, as high as 701

Valentine’s Transunion score was changed by the auto loan loan, changing to 772 from 789, which is normal in our experience.

Transunion Score: 772

Contact Details for The First National Bank of Throckmorton, the provider of this auto loan

  • The First National Bank of Throckmorton
  • City: Throckmorton
  • State: Texas
  • Address: 210 N Minter Ave
  • County: Throckmorton
  • Zip code: 76483

Valentine’s Overall FICO score at the time of acceptance for an auto loan, taking into account their aquarium curator job and their future job as an air crew member

Fico Score: 789

Client Profile: Valentine Nessler of Throckmorton, Texas
  • Full name (Changed if requested): Valentine Nessler
  • Current Credit: loans.hit.utils.Fico@41cf53f9
  • Current City: Throckmorton
  • State: Texas
  • Zip code: 76490
  • Yearly income: $63,000
  • Current Job: aquarium curator
  • Current County: Throckmorton
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Valentine was rejected by First Star Bank, S.S.B. 7 times before being accepted by The First National Bank of Throckmorton at 210 N Minter Ave

On December 24, 2009, Valentine applied about borrowing $22,000 from First RepublicBank Forney with Taryn, their in law from just outside Throckmorton, and even with the co-signer, Valentine was rejected for this auto loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Valentine for this auto loan of $12000, provided by The First National Bank of Throckmorton

Hi, I am Valentine and I’m from Throckmorton in Texas. Throckmorton, county is where I grew up, and now I need a auto loan in Texas for $12000 to pay bills. It has been difficult, but The First National Bank of Throckmorton really came through for me with this loan for 6.5% interest APR and a term of 9 years. I will repay the loan over the 9 year term, including interest. A big thanks to The First National Bank of Throckmorton for giving me a chance and my excellent credit. It look me 8 years to create my credit to 789, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Fast Loans for Valentine in Throckmorton, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Throckmorton, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Valentine. Valentine was able to find a fast loan for $12000 from First State Bank and First Consolidated Bank – Ferris, but turned down both offers in favor of their auto loan from The First National Bank of Throckmorton. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement in the case that a client is in a time sensitive situation.

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

Most debt consolidation loans vary from $22,000.00 to $59,000.00. They are mainly used to pay off existing high interest loans like credit cards. Valentine needed a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Valentine was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.8%.

When Valentine was 23, they attempted to obtain a student loan from 6 different lenders, which harmed their credit rating. Below is a list of Valentine’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on November 23, 2010
  • Attempt 2) Loan for $20,000.00 on November 8, 2013
  • Attempt 3) Loan for $20,000.00 on June 18, 2009
  • Attempt 4) Loan for $30,000.00 on January 14, 2014
  • Attempt 5) Loan for $33,000.00 on July 2, 2011
  • Attempt 6) Loan for $30,000.00 on October 25, 2010

Conclusion of Valentine’s auto loan

In the end, Valentine was able to find an auto loan for $12000 with an interest rate of 7.0% interest APR from The First National Bank of Throckmorton in Throckmorton, Texas repayable over 9 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.