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Low Rate Debt Consolidation Loan For Glayds In Garden Ridge, Texas

$72000 Debt Consolidation Loan – Garden Ridge Texas, Credit Rating Of 489

  • Experian: 507 – They had a bad Experian score
  • Transunion: 472 – Glayds had a bad credit score with Transunion.
  • Equifax: Glayds’s Experian score was 489, which is a bad credit rating with the Experian scale.

Previous requests on Glayds’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$118260.00 11 9.2% $1427.58 Comerica Bank June 17, 2010
$118430.00 11 10.4% $1509.66 First Star Bank, S.S.B. September 22, 2011
$118380.00 5 6.3% $2305.17 Brownfield State Bank & Trust Co. April 27, 2013
$117600.00 3 11.2% $3861.22 First Bank & Trust, Bryan, Texas June 27, 2014
$118140.00 10 11.6% $1667.76 First Bank & Trust of Clarendon December 26, 2014

Contact Details for Garden Ridge State Bank, the provider of this debt consolidation loan

  • Garden Ridge State Bank
  • City: Garden Ridge
  • State: Texas
  • Address: 19501 Fm 3009 #1
  • County: Comal
  • Zip code: 78266
Client Profile: Glayds Glassburn of Garden Ridge, Texas
  • Full name (Changed if requested): Glayds Glassburn
  • Current Credit: loans.hit.utils.Fico@6193b845
  • Current City: Garden Ridge
  • State: Texas
  • Zip code: 78273
  • Yearly income: $59,000
  • Current Job: animation cartoonist
  • Current County: Comal
  • Goal Yearly Income: $88,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Installment loan for Glayds, a graduate of 4-States Okmulgees Academy of Cosmetology and an animation cartoonist working for over $79,000 per year

Glayds, an alumnus at 4-States Okmulgees Academy of Cosmetology and an animation cartoonist in Garden Ridge, Texas needs a debt consolidation loan to purchase a car. Glayds has instead decided to get an installment loan for $19,000 and is currently seeking lenders like Citizens State Bank of Dalhart to process their request.

Several other requests for credit have been made by Glayds in the past, including one from Ponce De Leon Federal Bank in Garden Ridge, Texas before Glayds was approved for the $72000 by Garden Ridge State Bank

Glayds made 6 previous attempts to obtain a debt consolidation loan, 2 of which were with Ponce De Leon Federal Bank, a bank in Garden Ridge, Texas known to specialize in debt consolidation loans specifically. Prior to finding Garden Ridge State Bank, Glayds was desperate due to their inexperience and bad credit score.

Paraphrased and Standardized Quote from Glayds for this debt consolidation loan of $72000, provided by Garden Ridge State Bank

Hello, I am Glayds and I’m from Garden Ridge in Texas. Comal, county is where I grew up, and now I need a debt consolidation loan in Texas for $72000 to avoid bankruptcy. It has been difficult, but Garden Ridge State Bank really came through for me with this loan for 6.8% interest APR and a term of 2 years. I will repay the loan over the 2 year term, including interest. A big thanks to Garden Ridge State Bank for trusting me and my bad credit. It look me 9 years to create my credit to 489, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Glayds has a low current total income, but has a high number of prospects

Glayds has always wanted to be a math professor, but would have to attend 4-States Okmulgees Academy of Cosmetology again to become one. Glayds has other possibilities as well, including armored assault vehicle officer, technical publications writer, and forging machine operator, which pay $52,000 through to $95,000 per year, at least. For this reason, we believe that Glayds can pay for this debt consolidation loan of $72000.

Before applying for this debt consolidation loan, Glayds had an Experian score of 507, which is bad, so Garden Ridge State Bank most likely cannot provide Glayds a debt consolidation loan

Experian Score: 507

Signature Loan easily acquired in Garden Ridge, Texas for $72000 with bad credit by Glayds

Many prospective borrowers struggle with finding signature loans in Garden Ridge, Texas, and Glayds is the same. Glayds went to 6 lending institutions or more prior to finding Garden Ridge State Bank, who offered Glayds a signature loan for $72000. Typical signature loans simply require a client, like Glayds’s signature to obtain them, up to $20,000 in some cases. Glayds was able to get $72000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t need collateral, they generally need better credit, as high as 737

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $31,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Glayds needed a debt consolidation loan to pay for their existing debt consolidation loan and their loan shark loan. Glayds was able to find a debt consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.4%.

Glayds’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their animation cartoonist job and their future job as a math professor

Fico Score: 489

When Glayds was 19, they attempted to obtain a student loan from 5 alternate banks, which harmed their credit score. Below is a chronology of Glayds’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on January 19, 2011
  • Attempt 2) Loan for $36,000.00 on August 31, 2011
  • Attempt 3) Loan for $27,000.00 on March 29, 2009
  • Attempt 4) Loan for $37,000.00 on March 6, 2012
  • Attempt 5) Loan for $28,000.00 on September 24, 2013

Fast Loans for Glayds in Garden Ridge, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Garden Ridge, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Glayds. Glayds was able to find a fast loan for $72000 from Brownfield State Bank & Trust Co. and First Financial Bank, but declined both offers in favor of their debt consolidation loan from Garden Ridge State Bank. 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 6 weeks for installment loans. A big improvement in the case that a client is in a pinch.

6 Months in the Past, Glayds Tried to Find a High Risk Loan for $30,000.00, and it was Easy

There is an existing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Glayds. Glayds chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Clients with credit ratings as low as 318 can apply for a high risk loan and have a chance to be approved.

Glayds’s Transunion score was changed by the debt consolidation loan loan, changing to 472 from 489, which is normal in our experience.

Transunion Score: 472

Glayds was not approved by Austin Bank, Rusk, Texas 5 times prior to being approved by Garden Ridge State Bank at 19501 Fm 3009 #1

On March 12, 2009, Glayds inquired about borrowing $26,000 from Citizens State Bank of Dalhart with Owen, their in law from just outside Garden Ridge, and even with the co-signer, Glayds was rejected for this debt consolidation loan. With bad credit, it can be very hard to procure funding, even with collateral and a co-signer.

Personal Loan for an animation cartoonist named Glayds in Garden Ridge, Texas to Pay Off THE MAILBOX Teacher Platinum Visa Card

Glayds had a lot of credit card debt on their Fulton Bank of New Jersey Visa Signature Bonus Rewards PLUS Card and their AAA Visa Signature Card with WorldPoints Rewards, and they were starting to get in over their heads. Despite Glayds’s job as an animation cartoonist, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Conclusion of Glayds’s debt consolidation loan

In the end, Glayds was able to find a debt consolidation loan for $72000 with an interest rate of 5.2% interest APR from Garden Ridge State Bank in Garden Ridge, Texas repayable over 2 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.