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Low Rate No Collateral Loan For Kerri In Brenham, Texas

$4000 No Collateral Loan – Brenham Texas, Credit Score Of 561

  • Experian: 572 – This client had a fair Experian score
  • Transunion: 543 – Kerri had a fair credit rating with Transunion.
  • Equifax: Kerri’s Experian score was 561, which is a fair credit score on the Experian scale.

Kerri has a low current gross income, but has a high number of prospects

Kerri has always wanted to be a music teacher, but would need attend Trinity College of Nursing and Health Sciences again to become one. Kerri has other possibilities as well, including sales representative, psychiatric aide, and physical therapist, which pay $57,000 through to $106,000 per year, on average. Because of this, we think that Kerri can afford this no collateral loan of $4000.

8 Months in the Past, Kerri Attempted to Find a High Risk Loan for $25,000.00, and it was Hard

There is an well known struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Kerri. Kerri chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Clients with credit scores as low as 499 can apply for a high risk loan and may be be approved.

Contact Details for Texas National Bank, the provider of this no collateral loan

  • Texas National Bank
  • City: Brenham
  • State: Texas
  • Address: 2450 Becker Drive
  • County: Washington
  • Zip code: 77833
Client Profile: Kerri Wilfahrt of Brenham, Texas
  • Full name (Changed if requested): Kerri Wilfahrt
  • Current Credit: loans.hit.utils.Fico@3941a79c
  • Current City: Brenham
  • State: Texas
  • Zip code: 77840
  • Yearly income: $41,000
  • Current Job: administrative law judge
  • Current County: Washington
  • Goal Yearly Income: $113,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Multiple other requests for credit have been made by Kerri in the past, including one from The Citizens and Southern Bank of Chamblee in Brenham, Texas before Kerri was approved for the $4000 by Texas National Bank

Kerri made 4 previous attempts to obtain a no collateral loan, 2 of which were with The Citizens and Southern Bank of Chamblee, a lending institution in Brenham, Texas known to specialize in no collateral loans specifically. Prior to finding Texas National Bank, Kerri was concerned due to their inexperience and fair credit score.

Installment loan for Kerri, a graduate of Trinity College of Nursing and Health Sciences and an administrative law judge working for over $65,000 per year

Kerri, an alumnus at Trinity College of Nursing and Health Sciences and an administrative law judge in Brenham, Texas needs a no collateral loan to purchase a new cell phone. Kerri has instead decided to get an installment loan for $18,000 and is currently seeking lenders like Comerica Bank to provide it.

Kerri was not approved by First RepublicBank Forney 7 times prior to being granted funding by Texas National Bank at 2450 Becker Drive

On May 24, 2013, Kerri applied about borrowing $35,000 from First State Bank of Mathis with Jennell, their friend from just outside Brenham, and even with the co-signer, Kerri was rejected for this no collateral loan. With fair credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Before applying for this no collateral loan, Kerri had an Experian score of 572, which is fair, so Texas National Bank probably cannot provide Kerri a no collateral loan

Experian Score: 572

Kerri’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their administrative law judge job and their future job as a music teacher

Fico Score: 561

Kerri’s Transunion score was changed by the no collateral loan loan, changing to 543 from 561, which is typical in our experience.

Transunion Score: 543

Paraphrased and Standardized Quote from Kerri for this no collateral loan of $4000, provided by Texas National Bank

Hello, I am Kerri and I’m from Brenham in Texas. Washington, county is where I grew up, and now I need a no collateral loan in Texas for $4000 to avoid bankruptcy. It wasn’t easy, but Texas National Bank really came through for me with this loan for 11.7% interest APR and a term of 3 years. I will repay the loan over the 3 year term, including interest. A big thanks to Texas National Bank for trusting me and my fair credit. It look me 7 years to build my credit to 561, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.

Fast Loans for Kerri in Brenham, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Brenham, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Kerri. Kerri was able to find a fast loan for $4000 from Guaranty Bank & Trust, N.A. and Silsbee State Bank, but turned down both offers in favor of their no collateral loan from Texas National Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement if you are on the go.

Personal Loan for an administrative law judge named Kerri in Brenham, Texas to Pay Off Platinum Visa Business Card

Kerri had a tonne of credit card debt on their First Bank & Trust Business Visa and their DISTANCIA Visa, and they were starting to get in over their heads. Despite Kerri’s job as an administrative law judge, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $35,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Kerri needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Kerri was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.1%.

Signature Loan acquired in Brenham, Texas for $4000 with fair credit by Kerri

Most clients struggle with finding signature loans in Brenham, Texas, and Kerri is no different. Kerri went to 7 lenders or more before finding Texas National Bank, who offered Kerri a signature loan for $4000. Typical signature loans simply need a client, like Kerri’s signature to get them, up to $33,000 in some cases. Kerri was able to get $4000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans don’t require collateral, they tend to require better credit, as high as 757

When Kerri was 21, they tried to obtain a student loan from 5 different banks, which harmed their credit score. Below is a list of Kerri’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on November 28, 2011
  • Attempt 2) Loan for $28,000.00 on March 14, 2013
  • Attempt 3) Loan for $30,000.00 on June 1, 2013
  • Attempt 4) Loan for $27,000.00 on October 11, 2009
  • Attempt 5) Loan for $30,000.00 on February 6, 2010

Previous requests on Kerri’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$113800.00 11 8.4% $1323.71 Comerica Bank March 24, 2010
$113800.00 6 11.7% $2207.1 First Star Bank, S.S.B. August 29, 2010
$113600.00 8 10.4% $1747.92 Brownfield State Bank & Trust Co. May 11, 2013
$114320.00 9 7.8% $1476.47 First Bank & Trust, Bryan, Texas May 26, 2014
$113880.00 11 11.5% $1524.11 First Bank & Trust of Clarendon August 22, 2014

Conclusion of Kerri’s no collateral loan

In the end, Kerri was able to find a no collateral loan for $4000 with an interest rate of 8.5% interest APR from Texas National Bank in Brenham, Texas repayable over 3 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.