$120000 Same Day Loan – Baytown Texas, Credit Score Of 467
- Experian: 479 – This individual had a bad Experian rating
- Transunion: 450 – Cortney had a bad credit score with Transunion.
- Equifax: Cortney’s Experian score was 467, which is a bad credit rating on the Experian rating scheme.
Fast Loans for Cortney in Baytown, Texas to prevent bankruptcy or harm from debt collectors.
Fast loans in Baytown, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Cortney. Cortney was able to find a fast loan for $120000 from First Consolidated Bank – Ferris and First Star Bank, S.S.B., but declined both offers in favor of their same day loan from Texas Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. An improvement in the case that you are in a time sensitive situation.
8 Months in the Past, Cortney Tried Finding a High Risk Loan for $38,000.00, and it was Hard
It is an well known struggle for clients to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Cortney. Cortney chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Borrowers with credit ratings as low as 323 can inquire for a high risk loan and may be be accepted.
Before applying for this same day loan, Cortney had an Experian score of 479, which is bad, so Texas Bank likely cannot provide Cortney a same day loan
Cortney’s Transunion score was altered by the same day loan loan, changing to 450 from 467, which is typical in our experience.
Signature Loan easily acquired in Baytown, Texas for $120000 with bad credit by Cortney
Many prospective borrowers have difficulty with finding signature loans in Baytown, Texas, and Cortney is no different. Cortney went to 4 lenders or more prior to finding Texas Bank, who offered Cortney a signature loan for $120000. Most signature loans simply need a client, like Cortney’s signature to get them, up to $27,000 in some cases. Cortney was able to get $120000 as a same day loan, which is very high for a same day loan. Since signature loans do not need collateral, they generally require improved credit, as high as 726
Multiple other requests for credit have been made by Cortney in the past, including one from Sidney Federal Savings and Loan Association in Baytown, Texas before Cortney was accepted for the $120000 by Texas Bank
Cortney made 8 prior attempts to obtain a same day loan, 2 of which were with Sidney Federal Savings and Loan Association, a lender in Baytown, Texas known to specialize in same day loans specifically. Prior to finding Texas Bank, Cortney was concerned due to their inexperience and bad credit rating.
Cortney was rejected by Arrowhead Bank 6 times prior to being approved by Texas Bank at 6810 Garth Road
On November 4, 2008, Cortney inquired about borrowing $33,000 from Comerica Bank with Cassondra, their in law from just outside Baytown, and even with the co-signer, Cortney was rejected for this same day loan. With bad credit, it can be a challenge to obtain funding, even with collateral and a co-signer.
Previous requests on Cortney’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$70180.00||6||11.5%||$1353.85||Comerica Bank||October 6, 2009|
|$69890.00||11||9.6%||$859.27||First Star Bank, S.S.B.||September 16, 2010|
|$70220.00||11||8.8%||$832.15||Brownfield State Bank & Trust Co.||July 1, 2011|
|$69800.00||7||9.7%||$1147.97||First Bank & Trust, Bryan, Texas||April 1, 2013|
Contact Details for Texas Bank, the provider of this same day loan
- Texas Bank
- City: Baytown
- State: Texas
- Address: 6810 Garth Road
- County: Harris
- Zip code: 77521
- Full name (Changed if requested): Cortney Gulbransen
- Current Credit: loans.hit.utils.Fico@7cd84586
- Current City: Baytown
- State: Texas
- Zip code: 77527
- Yearly income: $31,000
- Current Job: answering service operator
- Current County: Harris
- Goal Yearly Income: $118,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000
When Cortney was 20, they attempted to obtain a student loan from 5 different banks, which damaged their credit rating. Below is a list of Cortney’s prior attempts at finding a student loan:
- Attempt 1) Loan for $33,000.00 on November 19, 2011
- Attempt 2) Loan for $22,000.00 on July 6, 2009
- Attempt 3) Loan for $22,000.00 on January 13, 2012
- Attempt 4) Loan for $33,000.00 on May 11, 2009
- Attempt 5) Loan for $22,000.00 on May 26, 2011
Paraphrased and Standardized Quote from Cortney for this same day loan of $120000, provided by Texas Bank
Hi, I am Cortney and I’m from Baytown in Texas. Harris, county is where I grew up, and now I need a same day loan in Texas for $120000 to buy a big ticket item. It has been difficult, but Texas Bank really came through for me with this loan for 6.4% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to Texas Bank for giving me a chance and my bad credit. It look me 7 years to create my credit to 467, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans range from $37,000.00 to $44,000.00. They are normally used to pay off existing high interest loans like credit cards. Cortney needed a debt consolidation loan to pay for their existing same day loan and their payday loan. Cortney was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.7%.
Cortney has a sad current gross income, but has a large amount of prospects
Cortney has always wanted to be a soil conservation technician, but would have to attend Queens University of Charlotte again to become one. Cortney has other possibilities as well, including bank examiner, aircraft cargo handling supervisor, and music teacher, which pay $59,000 through to $96,000 per year, at least. Because of this, we believe that Cortney can afford this same day loan of $120000.
Personal Loan for an answering service operator named Cortney in Baytown, Texas to Pay Off BP Business Solutions Universal Fuel Program Card
Cortney had a tonne of credit card debt on their USAA Rewards World MasterCard and their JetBlue Airways Card from American Express Open, and they were starting to get in over their heads. Despite Cortney’s job as an answering service operator, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Installment loan for Cortney, a graduate of Queens University of Charlotte and an answering service operator working for over $64,000 per year
Cortney, an alumnus at Queens University of Charlotte and an answering service operator in Baytown, Texas needs a same day loan to purchase a house. Cortney has instead decided to get an installment loan for $28,000 and is at present seeking lenders like Texas Commerce Bank – Rio Grande Valley, National Association to provide it.
Cortney’s Overall FICO score at the time of acceptance for a same day loan, taking into account their answering service operator job and their future job as a soil conservation technician
Conclusion of Cortney’s same day loan
In the end, Cortney was able to find a same day loan for $120000 with an interest rate of 6.4% interest APR from Texas Bank in Baytown, Texas repayable over 21 years from today.