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Low Rate Personal Loan For Trish In Austin, Texas

$76000 Personal Loan – Austin Texas, Credit Score Of 336

  • Experian: 353 – This client had a terrible Experian score
  • Transunion: 320 – Trish had a terrible credit rating with Transunion.
  • Equifax: Trish’s Experian score was 336, which is a terrible credit rating using the Experian scale.

Contact Details for First RepublicBank NW Austin, National Association, the provider of this personal loan

  • First RepublicBank NW Austin, National Association
  • City: Austin
  • State: Texas
  • Address: 12754 Research Boulevard
  • County: Travis
  • Zip code: 78767

8 Months in the Past, Trish Tried Finding a High Risk Loan for $22,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Trish. Trish decided not to obtain 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 392 can inquire for a high risk loan and have a chance to be accepted.

Before applying for this personal loan, Trish had an Experian score of 353, which is terrible, so First RepublicBank NW Austin, National Association most likely cannot provide Trish a personal loan

Experian Score: 353

Trish’s Transunion score was altered by the personal loan loan, changing to 320 from 336, which is normal in our experience.

Transunion Score: 320

Trish was declined by Silsbee State Bank 5 times prior to being granted funding by First RepublicBank NW Austin, National Association at 12754 Research Boulevard

On March 2, 2009, Trish inquired about borrowing $28,000 from Commercial State Bank with Muriel, their friend from just outside Austin, and even with the co-signer, Trish was rejected for this personal loan. With terrible credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Trish for this personal loan of $76000, provided by First RepublicBank NW Austin, National Association

Hello, I am Trish and I’m from Austin in Texas. Travis, county is where I grew up, and now I need a personal loan in Texas for $76000 to buy a big ticket item. It has been difficult, but First RepublicBank NW Austin, National Association really came through for me with this loan for 9.8% interest APR and a term of 12 years. I can repay the loan over the 12 year term, including interest. A big thanks to First RepublicBank NW Austin, National Association for giving me a chance and my terrible credit. It look me 5 years to create my credit to 336, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Trish’s Overall FICO score at the time of acceptance for a personal loan, taking into account their armored assault vehicle crew member job and their future career as an education professor

Fico Score: 336

Client Profile: Trish Mcdoulett of Austin, Texas
  • Full name (Changed if requested): Trish Mcdoulett
  • Current Credit: loans.hit.utils.Fico@7530d0a
  • Current City: Austin
  • State: Texas
  • Zip code: 78775
  • Yearly income: $43,000
  • Current Job: armored assault vehicle crew member
  • Current County: Travis
  • Goal Yearly Income: $96,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Many past requests for credit have been made by Trish in the past, including one from Barnett Bank of Lake Okeechobee in Austin, Texas before Trish was accepted for the $76000 by First RepublicBank NW Austin, National Association

Trish made 7 previous tries to obtain a personal loan, 2 of which were with Barnett Bank of Lake Okeechobee, a lender in Austin, Texas known to specialize in personal loans specifically. Before finding First RepublicBank NW Austin, National Association, Trish was concerned due to their inexperience and terrible credit rating.

Previous requests on Trish’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$58710.00 9 5.2% $681.86 Comerica Bank November 8, 2012
$58610.00 10 11.7% $830.75 First Star Bank, S.S.B. July 1, 2013
$59310.00 5 9.8% $1254.33 Brownfield State Bank & Trust Co. January 31, 2015
$58680.00 3 8.2% $1844.24 First Bank & Trust, Bryan, Texas June 17, 2015

When Trish was 21, they tried to obtain a student loan from 4 different lenders, which harmed their credit score. Below is a chronology of Trish’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on May 5, 2010
  • Attempt 2) Loan for $23,000.00 on February 19, 2010
  • Attempt 3) Loan for $33,000.00 on August 11, 2009
  • Attempt 4) Loan for $34,000.00 on October 5, 2010

Personal Loan for an armored assault vehicle crew member named Trish in Austin, Texas to Pay Off Citizens Bank Everyday Points Platinum MasterCard

Trish had a lot of credit card debt on their Kentucky Christian University Rewards Visa Credit Card and their Bank of Akron Visa Business, and they were starting to get in over their heads. Despite Trish’s job as an armored assault vehicle crew member, 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 Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans range from $22,000.00 to $41,000.00. They are typically used to pay off existing high interest loans like credit cards. Trish required a debt consolidation loan to pay for their existing personal loan and their payday loan. Trish was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your bad, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.6%.

Signature Loan easily acquired in Austin, Texas for $76000 with terrible credit by Trish

A lot of clients have difficulty with finding signature loans in Austin, Texas, and Trish is not an exception. Trish went to 6 lenders or more prior to finding First RepublicBank NW Austin, National Association, who offered Trish a signature loan for $76000. Typical signature loans simply require a client, like Trish’s signature to obtain them, up to $21,000 in some cases. Trish was able to get $76000 as a personal loan, which is very high for a personal loan. Since signature loans don’t need a cosigner, they generally need improved credit, as high as 784

Fast Loans for Trish in Austin, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Austin, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Trish. Trish was able to find a fast loan for $76000 from First City Bank of Richardson and The Roscoe State Bank, but turned down both offers in favor of their personal loan from First RepublicBank NW Austin, National Association. 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 if you are in a pinch.

Installment loan for Trish, a graduate of Los Angeles Recording School and an armored assault vehicle crew member working for over $72,000 per year

Trish, an alumnus at Los Angeles Recording School and an armored assault vehicle crew member in Austin, Texas wants a personal loan to purchase something frivolous. Trish has instead chosen to obtain an installment loan for $19,000 and is at present seeking lenders like First Consolidated Bank – Ferris to process their request.

Trish has a very low current gross income, but has a large amount of prospects

Trish has always wanted to be an education professor, but would need attend Los Angeles Recording School again to achieve it. Trish has other possibilities as well, including education and training administrator, sportswriter, and compensation administrator, which pay $57,000 through to $97,000 per year, on average. Because of this, we think that Trish can afford this personal loan of $76000.

Conclusion of Trish’s personal loan

In the end, Trish was able to find a personal loan for $76000 with an interest rate of 7.3% interest APR from First RepublicBank NW Austin, National Association in Austin, Texas repayable over 12 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.