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Christiane Wanted A Direct Loan For $44000, Lubbock, Texas

$44000 Direct Loan – Lubbock Texas, Credit Score Of 309

  • Experian: 328 – This individual had a terrible Experian rating
  • Transunion: 292 – Christiane had a terrible credit score with Transunion.
  • Equifax: Christiane’s Experian score was 309, which is a terrible credit rating using the Experian scale.

Paraphrased and Standardized Quote from Christiane for this direct loan of $44000, provided by First Texas Savings Association of Lubbock

Hi, I am Christiane and I’m from Lubbock in Texas. Lubbock, county is where I grew up, and now I need a direct loan in Texas for $44000 to avoid bankruptcy. It wasn’t easy, but First Texas Savings Association of Lubbock really came through for me with this loan for 5.1% interest APR and a term of 24 years. I can repay the loan over the 24 year term, including interest. A big thanks to First Texas Savings Association of Lubbock for trusting me and my terrible credit. It look me 6 years to create my credit to 309, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Christiane has a very low current yearly income, but has several of prospects

Christiane has always wanted to be a newspaper/magazines writer, but would have to attend Pacific University again to become one. Christiane has other prospects as well, including accounting specialist, screen writer, and ship master, which pay $53,000 through to $106,000 per year, at least. Because of this, we think that Christiane can pay for this direct loan of $44000.

Several previous requests for credit have been made by Christiane in the past, including one from Gypsum Valley National Bank in Lubbock, Texas before Christiane was approved for the $44000 by First Texas Savings Association of Lubbock

Christiane made 6 previous attempts to obtain a direct loan, 2 of which were with Gypsum Valley National Bank, a lending institution in Lubbock, Texas known to specialize in direct loans specifically. Prior to finding First Texas Savings Association of Lubbock, Christiane was desperate due to their inexperience and terrible credit rating.

Fast Loans for Christiane in Lubbock, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Lubbock, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Christiane. Christiane was able to find a fast loan for $44000 from Austin Bank, Rusk, Texas and First State Bank of Matador, but declined both offers in favor of their direct loan from First Texas Savings Association of Lubbock. 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 6 weeks for installment loans. An improvement in the case that a borrower is on the go.

Signature Loan acquired in Lubbock, Texas for $44000 with terrible credit by Christiane

A lot of prospective borrowers have difficulty with finding signature loans in Lubbock, Texas, and Christiane is no exception. Christiane went to 4 lending institutions or more before finding First Texas Savings Association of Lubbock, who offered Christiane a signature loan for $44000. Most signature loans simply require a client, like Christiane’s signature to get them, up to $45,000 in some cases. Christiane was able to get $44000 as a direct loan, which is very high for a direct loan. Because signature loans do not require a cosigner, they tend to require higher credit, as high as 747

8 Months Ago, Christiane Tried to Find a High Risk Loan for $22,000.00, 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 originating loan sharks or similar lenders, which can be physically harmful to borrowers like Christiane. Christiane decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Borrowers with credit scores as low as 560 can inquire for a high risk loan and have a chance to be accepted.

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

Normal debt consolidation loans range from $25,000.00 to $48,000.00. They are normally used to pay off existing high interest loans like credit cards. Christiane needed a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Christiane was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.1%.

Christiane was declined by First City Bank of Richardson 5 times prior to being approved by First Texas Savings Association of Lubbock at 1602 Avenue Q

On May 28, 2011, Christiane inquired about borrowing $49,000 from First RepublicBank Forney with Loria, their friend from just outside Lubbock, and even with the co-signer, Christiane was rejected for this direct loan. With terrible credit, it can be difficult to procure funding, even with collateral and a co-signer.

Client Profile: Christiane Jacks of Lubbock, Texas
  • Full name (Changed if requested): Christiane Jacks
  • Current Credit: loans.hit.utils.Fico@c4437c4
  • Current City: Lubbock
  • State: Texas
  • Zip code: 79412
  • Yearly income: $68,000
  • Current Job: tax examiner
  • Current County: Lubbock
  • Goal Yearly Income: $88,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

When Christiane was 21, they attempted to obtain a student loan from 6 different lenders, which harmed their credit score. Below is a list of Christiane’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on November 28, 2008
  • Attempt 2) Loan for $34,000.00 on November 29, 2010
  • Attempt 3) Loan for $25,000.00 on July 25, 2011
  • Attempt 4) Loan for $22,000.00 on June 26, 2010
  • Attempt 5) Loan for $20,000.00 on October 18, 2008
  • Attempt 6) Loan for $38,000.00 on May 27, 2010

Christiane’s Transunion score was changed by the direct loan loan, changing to 292 from 309, which is normal in our experience.

Transunion Score: 292

Christiane’s Overall FICO score at the time of acceptance for a direct loan, taking into account their tax examiner job and their future career as a newspaper/magazines writer

Fico Score: 309

Contact Details for First Texas Savings Association of Lubbock, the provider of this direct loan

  • First Texas Savings Association of Lubbock
  • City: Lubbock
  • State: Texas
  • Address: 1602 Avenue Q
  • County: Lubbock
  • Zip code: 79408

Previous requests on Christiane’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$63230.00 7 8.8% $1010.91 Comerica Bank February 14, 2013
$63400.00 7 5.7% $917.09 First Star Bank, S.S.B. December 4, 2013
$62770.00 3 11.7% $2075.88 Brownfield State Bank & Trust Co. December 25, 2013
$62860.00 11 6.7% $674.33 First Bank & Trust, Bryan, Texas April 22, 2014

Personal Loan for a tax examiner named Christiane in Lubbock, Texas to Pay Off Tompkins Trust Company Visa Platinum Business Rewards Card

Christiane had a tonne of credit card debt on their Coors Credit Union Fixed Rate Summit Platinum Visa and their Sams Club Mastercard, and they were starting to get in over their heads. Despite Christiane’s job as a tax examiner, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Installment loan for Christiane, a graduate of Pacific University and a tax examiner working for over $78,000 per year

Christiane, an alumnus at Pacific University and a tax examiner in Lubbock, Texas needs a direct loan to purchase a house. Christiane has instead chosen to obtain an installment loan for $2,000 and is at present seeking lenders like The Huntsville National Bank to process their request.

Before applying for this direct loan, Christiane had an Experian score of 328, which is terrible, so First Texas Savings Association of Lubbock probably cannot provide Christiane a direct loan

Experian Score: 328

Conclusion of Christiane’s direct loan

In the end, Christiane was able to find a direct loan for $44000 with an interest rate of 9.3% interest APR from First Texas Savings Association of Lubbock in Lubbock, Texas repayable over 24 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.