Do you have over $10,000 in Debt? Get Help now.

No Collateral Loan For $138000 Near 77040, Texas With A Credit Score Of 611

$138000 No Collateral Loan – Harris County Texas, Credit Score Of 611

  • Experian: 626 – This client had a good Experian rating
  • Transunion: 594 – Danilo had a good credit score with Transunion.
  • Equifax: Danilo’s Experian score was 611, which is a good credit score with the Experian scale.

When Danilo was 20, they tried to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a list of Danilo’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on November 28, 2009
  • Attempt 2) Loan for $34,000.00 on July 2, 2009
  • Attempt 3) Loan for $33,000.00 on April 10, 2011
  • Attempt 4) Loan for $27,000.00 on August 28, 2009
  • Attempt 5) Loan for $39,000.00 on December 2, 2009
  • Attempt 6) Loan for $27,000.00 on May 4, 2010

Before applying for this no collateral loan, Danilo had an Experian score of 626, which is good, so Texas Commerce Bank – Cyfair, National Association likely cannot provide Danilo a no collateral loan

Experian Score: 626

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $37,000.00 to $41,000.00. They are normally used to pay off existing high interest loans like credit cards. Danilo required a debt consolidation loan to pay for their existing no collateral loan and their credit card. Danilo was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your bad, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.3%.

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

Danilo has always wanted to be an export agent, but would have to attend Covenant College again to achieve it. Danilo has other prospects as well, including historical archivist, petroleum technician, and business professor, which pay $52,000 through to $103,000 per year, on average. Because of this, we believe that Danilo can pay for this no collateral loan of $138000.

Danilo was declined by First RepublicBank Clifton 4 times before being granted funding by Texas Commerce Bank – Cyfair, National Association at 13103 Fm 1960 West

On August 13, 2013, Danilo applied about borrowing $30,000 from First Community Bank San Antonio, National Association with Jeanette, their friend from just outside Harris County, and even with the co-signer, Danilo was rejected for this no collateral loan. With good credit, it can be a challenge to procure financing, even with collateral and a co-signer.

Fast Loans for Danilo in Harris County, Texas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Harris County, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Danilo. Danilo was able to find a fast loan for $138000 from First Community Bank San Antonio, National Association and Silsbee State Bank, but turned down both offers in favor of their no collateral loan from Texas Commerce Bank – Cyfair, National Association. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big difference in the case that you are in a time sensitive situation.

Danilo’s Transunion score was changed by the no collateral loan loan, changing to 594 from 611, which is typical in our experience.

Transunion Score: 594

Contact Details for Texas Commerce Bank – Cyfair, National Association, the provider of this no collateral loan

  • Texas Commerce Bank – Cyfair, National Association
  • City: Harris County
  • State: Texas
  • Address: 13103 Fm 1960 West
  • County: Harris
  • Zip code: 77040

Many previous requests for credit have been made by Danilo in the past, including one from The Peoples Bank in Harris County, Texas before Danilo was accepted for the $138000 by Texas Commerce Bank – Cyfair, National Association

Danilo made 9 previous tries to obtain a no collateral loan, 2 of which were with The Peoples Bank, a lender in Harris County, Texas known to specialize in no collateral loans specifically. Prior to finding Texas Commerce Bank – Cyfair, National Association, Danilo was very concerned due to their inexperience and good credit score.

Installment loan for Danilo, a graduate of Covenant College and a budget analyst working for over $79,000 per year

Danilo, an alumnus at Covenant College and a budget analyst in Harris County, Texas wants a no collateral loan to purchase a house. Danilo has instead decided to get an installment loan for $10,000 and is at present seeking lenders like Comerica Bank to process their request.

6 Months Ago, Danilo Attempted to Find a High Risk Loan for $20,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Danilo. Danilo chose not to get a high risk loan this time. High Risk loans are given to very low credit borrowers. Clients with credit ratings as low as 581 can inquire for a high risk loan and may be be approved.

Danilo’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their budget analyst job and their future job as an export agent

Fico Score: 611

Client Profile: Danilo Troyano of Harris County, Texas
  • Full name (Changed if requested): Danilo Troyano
  • Current Credit: loans.hit.utils.Fico@65b3120a
  • Current City: Harris County
  • State: Texas
  • Zip code: 77048
  • Yearly income: $55,000
  • Current Job: budget analyst
  • Current County: Harris
  • Goal Yearly Income: $88,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Signature Loan easily acquired in Harris County, Texas for $138000 with good credit by Danilo

Most prospective borrowers have difficulty with finding signature loans in Harris County, Texas, and Danilo is no different. Danilo went to 5 lending institutions or more prior to settling on Texas Commerce Bank – Cyfair, National Association, who offered Danilo a signature loan for $138000. Typical signature loans simply need a client, like Danilo’s signature to get them, up to $34,000 in some cases. Danilo was able to get $138000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans don’t require collateral, they tend to need better credit, as high as 709

Previous requests on Danilo’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$79340.00 5 8.1% $1612.53 Comerica Bank February 13, 2010
$79160.00 6 9.2% $1434.77 First Star Bank, S.S.B. June 17, 2012
$79380.00 10 8.5% $984.2 Brownfield State Bank & Trust Co. April 16, 2013
$79340.00 7 5.4% $1136.36 First Bank & Trust, Bryan, Texas March 6, 2014

Paraphrased and Standardized Quote from Danilo for this no collateral loan of $138000, provided by Texas Commerce Bank – Cyfair, National Association

Hello, I am Danilo and I’m from Harris County in Texas. Harris, county is where I grew up, and now I need a no collateral loan in Texas for $138000 to buy a big ticket item. It has been difficult, but Texas Commerce Bank – Cyfair, National Association really came through for me with this loan for 11.0% interest APR and a term of 5 years. I will repay the loan over the 5 year term, including interest. A big thanks to Texas Commerce Bank – Cyfair, National Association for giving me a chance and my good credit. It look me 9 years to build my credit to 611, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Personal Loan for a budget analyst named Danilo in Harris County, Texas to Pay Off Community National Bank Credit Card

Danilo had a lot of credit card debt on their State Farm Good Neighbor Visa Credit Card and their Pier 1 Imports Rewards Credit Card, and they were starting to get in over their heads. Despite Danilo’s job as a budget analyst, 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 Danilo’s no collateral loan

In the end, Danilo was able to find a no collateral loan for $138000 with an interest rate of 8.7% interest APR from Texas Commerce Bank – Cyfair, National Association in Harris County, Texas repayable over 5 years from today.

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.

Leave a Reply

Your email address will not be published. Required fields are marked *

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>

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.