$12000 Direct Loan – Tulsa Oklahoma, Credit Rating Of 697
- Experian: 716 – This individual had a good Experian score
- Transunion: 682 – Erlene had a good credit rating with Transunion.
- Equifax: Erlene’s Experian score was 697, which is a good credit rating using the Experian rating scheme.
Erlene’s Overall FICO score at the time of acceptance for a direct loan, taking into account their fire protection engineer job and their future job as a caption writer
Signature Loan found in Tulsa, Oklahoma for $12000 with good credit by Erlene
Most prospective borrowers have difficulty with finding signature loans in Tulsa, Oklahoma, and Erlene is no exception. Erlene went to 5 lenders or more before settling on Tulsa National Bank, who offered Erlene a signature loan for $12000. Most signature loans simply need a client, like Erlene’s signature to obtain them, up to $40,000 in some cases. Erlene was able to get $12000 as a direct loan, which is very high for a direct loan. Because signature loans don’t require a cosigner, they generally need improved credit, as high as 754
When Erlene was 24, they tried to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a list of Erlene’s previous attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on June 25, 2012
- Attempt 2) Loan for $38,000.00 on February 23, 2010
- Attempt 3) Loan for $36,000.00 on January 31, 2012
- Attempt 4) Loan for $36,000.00 on April 16, 2013
- Attempt 5) Loan for $32,000.00 on August 9, 2009
Before applying for this direct loan, Erlene had an Experian score of 716, which is good, so Tulsa National Bank most likely cannot provide Erlene a direct loan
Erlene has a low current gross income, but has a high number of prospects
Erlene has always wanted to be a caption writer, but would need attend Baylor University Medical Center again to achieve it. Erlene has other possibilities as well, including industrial relations specialist, pressing machine operator, and home appliance repairer, which pay $56,000 through to $106,000 per year, on average. Because of this, we think that Erlene can pay for this direct loan of $12000.
Paraphrased and Standardized Quote from Erlene for this direct loan of $12000, provided by Tulsa National Bank
Hi, I am Erlene and I am from Tulsa in Oklahoma. Tulsa, county is where I grew up, and now I need a direct loan in Oklahoma for $12000 to pay bills. It wasn’t easy, but Tulsa National Bank really came through for me with this loan for 10.7% interest APR and a term of 6 years. I can probably repay the loan over the 6 year term, including interest. A big thanks to Tulsa National Bank for giving me a chance and my good credit. It look me 4 years to build my credit to 697, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.
Fast Loans for Erlene in Tulsa, Oklahoma to prevent bankruptcy or harm from debt collectors.
Fast loans in Tulsa, Oklahoma aren’t actually that difficult to obtain, particularly if you have some gumption like Erlene. Erlene was able to find a fast loan for $12000 from The First Bank of Okarche and The First State Bank, but declined both offers in favor of their direct loan from Tulsa National Bank. 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 7 weeks for debt consolidation loans. A big difference in the case that you are in a pinch.
Contact Details for Tulsa National Bank, the provider of this direct loan
- Tulsa National Bank
- City: Tulsa
- State: Oklahoma
- Address: 7120 South Lewis Avenue
- County: Tulsa
- Zip code: 74136
9 Months in the Past, Erlene Attempted Finding a High Risk Loan for $27,000.00, but They Didn’t Find What They were Expecting
There is an existing struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Erlene. Erlene decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Individuals with credit scores as low as 416 can inquire for a high risk loan and have a chance to be accepted.
Erlene was declined by Security First National Bank of Hugo 6 times before being accepted by Tulsa National Bank at 7120 South Lewis Avenue
On March 17, 2010, Erlene inquired about borrowing $12,000 from The Citizens State Bank with Otha, their in law from just outside Tulsa, and even with the co-signer, Erlene was rejected for this direct loan. With good credit, it can be challenging to procure financing, even with collateral and a co-signer.
Personal Loan for a fire protection engineer named Erlene in Tulsa, Oklahoma to Pay Off Five Star Bank Secured Visa
Erlene had a lot of credit card debt on their Comerica Bank Visa Signature Card and their Simmons First National Bank Visa Gold Select, and they were starting to get in over their heads. Despite Erlene’s job as a fire protection engineer, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Installment loan for Erlene, a graduate of Baylor University Medical Center and a fire protection engineer working for over $61,000 per year
Erlene, an alumnus at Baylor University Medical Center and a fire protection engineer in Tulsa, Oklahoma needs a direct loan to purchase a new cell phone. Erlene has instead decided to obtain an installment loan for $11,000 and is currently seeking lenders like American Exchange Bank to process their request.
- Full name (Changed if requested): Erlene Shackleford
- Current Credit: loans.hit.utils.Fico@246b179d
- Current City: Tulsa
- State: Oklahoma
- Zip code: 74137
- Yearly income: $50,000
- Current Job: fire protection engineer
- Current County: Tulsa
- Goal Yearly Income: $138,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Several previous requests for credit have been made by Erlene in the past, including one from First Southern Bank in Tulsa, Oklahoma before Erlene was accepted for the $12000 by Tulsa National Bank
Erlene made 6 previous attempts to obtain a direct loan, 2 of which were with First Southern Bank, a lending institution in Tulsa, Oklahoma known to specialize in direct loans specifically. Prior to finding Tulsa National Bank, Erlene was desperate due to their inexperience and good credit score.
Erlene’s Transunion score was changed by the direct loan loan, changing to 682 from 697, which is typical in our experience.
Previous requests on Erlene’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$37780.00||3||9.6%||$1211.97||The First State Bank||January 13, 2012|
|$38210.00||7||8.8%||$610.89||Security Bank and Trust Company||September 18, 2014|
|$38200.00||10||5.5%||$414.57||The First State Bank, Willow, Okla.||October 7, 2014|
|$38470.00||9||11.2%||$566.92||Sooner State Bank||April 21, 2015|
Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans vary from $36,000.00 to $43,000.00. They are mainly used to pay off existing high interest loans like credit cards. Erlene required a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Erlene was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.8%.
Conclusion of Erlene’s direct loan
In the end, Erlene was able to find a direct loan for $12000 with an interest rate of 9.2% interest APR from Tulsa National Bank in Tulsa, Oklahoma repayable over 6 years from today.