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No Collateral Loan For $48000 Near 76541, Texas With A Credit Score Of 814

$48000 No Collateral Loan – Killeen Texas, Credit Rating Of 814

  • Experian: 831 – This client had an excellent Experian score
  • Transunion: 795 – Harriet had an excellent credit rating with Transunion.
  • Equifax: Harriet’s Experian score was 814, which is an excellent credit rating with the Experian system.

Contact Details for Killeen Savings and Loan Association, the provider of this no collateral loan

  • Killeen Savings and Loan Association
  • City: Killeen
  • State: Texas
  • Address: 616 N Gray Street
  • County: Bell
  • Zip code: 76541

Harriet was not approved by First Financial Bank 4 times prior to being accepted by Killeen Savings and Loan Association at 616 N Gray Street

On April 30, 2009, Harriet inquired about borrowing $46,000 from First Financial Bank with Louella, their friend from just outside Killeen, and even with the co-signer, Harriet was rejected for this no collateral loan. With excellent credit, it can be difficult to obtain financing, even with collateral and a co-signer.

When Harriet was 20, they attempted to obtain a student loan from 4 different lenders, which damaged their credit rating. Below is a list of Harriet’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on September 22, 2011
  • Attempt 2) Loan for $36,000.00 on February 9, 2010
  • Attempt 3) Loan for $21,000.00 on April 20, 2010
  • Attempt 4) Loan for $33,000.00 on May 27, 2009

Previous requests on Harriet’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$127140.00 8 5.4% $1633.9 Comerica Bank September 5, 2011
$127320.00 11 7.1% $1392.45 First Star Bank, S.S.B. June 10, 2013
$127340.00 9 9.2% $1738.08 Brownfield State Bank & Trust Co. February 17, 2014
$126610.00 6 7.1% $2164.66 First Bank & Trust, Bryan, Texas July 30, 2014

Harriet has a disappointing current total income, but has several of prospects

Harriet has always wanted to be a wildlife biologist, but would need attend New York Medical Career Training Center again to achieve it. Harriet has other possibilities as well, including environmental compliance inspector, sales representitive, and atmospheric and space scientist, which pay $51,000 through to $102,000 per year, on average. Because of this, we believe that Harriet can afford this no collateral loan of $48000.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $20,000.00 to $43,000.00. They are normally used to pay off existing high interest loans like credit cards. Harriet needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Harriet was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your dirty, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.0%.

Fast Loans for Harriet in Killeen, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Killeen, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Harriet. Harriet was able to find a fast loan for $48000 from Arrowhead Bank and First Star Bank, S.S.B., but turned down both offers in favor of their no collateral loan from Killeen Savings and Loan Association. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big difference in the case that a borrower is on the go.

Harriet’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their mine inspector job and their future job as a wildlife biologist

Fico Score: 814

Personal Loan for a mine inspector named Harriet in Killeen, Texas to Pay Off Toyota Rewards Visa Signature

Harriet had a tonne of credit card debt on their Office Depot Worklife Rewards Business Visa and their Chase +1 Student MasterCard, and they were starting to get in over their heads. Despite Harriet’s job as a mine inspector, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

7 Months in the Past, Harriet Tried to Find a High Risk Loan for $22,000.00, and it was Easy

There is an ongoing struggle for clients to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Harriet. Harriet decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Clients with credit scores as low as 433 can inquire for a high risk loan and may be be approved.

Several past requests for credit have been made by Harriet in the past, including one from Town and Country Savings Association in Killeen, Texas before Harriet was approved for the $48000 by Killeen Savings and Loan Association

Harriet made 9 previous tries to obtain a no collateral loan, 2 of which were with Town and Country Savings Association, a lender in Killeen, Texas known to specialize in no collateral loans specifically. Prior to finding Killeen Savings and Loan Association, Harriet was concerned due to their inexperience and excellent credit rating.

Signature Loan acquired in Killeen, Texas for $48000 with excellent credit by Harriet

Many borrowers struggle with finding signature loans in Killeen, Texas, and Harriet is no exception. Harriet went to 8 lenders or more before settling on Killeen Savings and Loan Association, who offered Harriet a signature loan for $48000. Most signature loans simply need a client, like Harriet’s signature to get them, up to $22,000 in some cases. Harriet was able to get $48000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans don’t require collateral, these loans tend to require improved credit, as high as 715

Paraphrased and Standardized Quote from Harriet for this no collateral loan of $48000, provided by Killeen Savings and Loan Association

Hello, I am Harriet and my hometown is Killeen in Texas. Bell, county is where I grew up, and now I need a no collateral loan in Texas for $48000 to avoid bankruptcy. It wasn’t easy, but Killeen Savings and Loan Association really came through for me with this loan for 7.2% interest APR and a term of 15 years. I will repay the loan over the 15 year term, including interest. A big thanks to Killeen Savings and Loan Association for trusting me and my excellent credit. It look me 8 years to build my credit to 814, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Installment loan for Harriet, a graduate of New York Medical Career Training Center and a mine inspector working for over $67,000 per year

Harriet, an alumnus at New York Medical Career Training Center and a mine inspector in Killeen, Texas needs a no collateral loan to purchase something frivolous. Harriet has instead decided to get an installment loan for $13,000 and is at present seeking lenders like First State Bank to process their request.

Harriet’s Transunion score was altered by the no collateral loan loan, changing to 795 from 814, which is normal in our experience.

Transunion Score: 795

Before applying for this no collateral loan, Harriet had an Experian score of 831, which is excellent, so Killeen Savings and Loan Association most likely cannot provide Harriet a no collateral loan

Experian Score: 831

Client Profile: Harriet Neuhauser of Killeen, Texas
  • Full name (Changed if requested): Harriet Neuhauser
  • Current Credit: loans.hit.utils.Fico@5d099f62
  • Current City: Killeen
  • State: Texas
  • Zip code: 76546
  • Yearly income: $47,000
  • Current Job: mine inspector
  • Current County: Bell
  • Goal Yearly Income: $111,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Conclusion of Harriet’s no collateral loan

In the end, Harriet was able to find a no collateral loan for $48000 with an interest rate of 5.7% interest APR from Killeen Savings and Loan Association in Killeen, Texas repayable over 15 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.