$34000 No Collateral Loan – Harlingen Texas, Credit Rating Of 386
- Experian: 399 – They had a terrible Experian score
- Transunion: 374 – Cindy had a terrible credit rating with Transunion.
- Equifax: Cindy’s Experian score was 386, which is a terrible credit score using the Experian rating scheme.
Paraphrased and Standardized Quote from Cindy for this no collateral loan of $34000, provided by First RepublicBank Harlingen, National Association
Hi, I am Cindy and I am from Harlingen in Texas. Cameron, county is where I grew up, and now I need a no collateral loan in Texas for $34000 to avoid bankruptcy. It has been difficult, but First RepublicBank Harlingen, National Association really came through for me with this loan for 5.0% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to First RepublicBank Harlingen, National Association for giving me a chance and my terrible credit. It look me 5 years to build my credit to 386, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.
6 Months Ago, Cindy Attempted to Find a High Risk Loan for $41,000.00, and it was Hard
It is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Cindy. Cindy decided not to get a high risk loan this time. High Risk loans are given to bad credit individuals. Clients with credit scores as low as 313 can apply for a high risk loan and possibly can be accepted.
Installment loan for Cindy, a graduate of Baker College and an equal opportunity representative working for over $66,000 per year
Cindy, an alumnus at Baker College and an equal opportunity representative in Harlingen, Texas needs a no collateral loan to purchase a new cell phone. Cindy has instead decided to get an installment loan for $18,000 and is at present seeking lenders like First State Bank of Matador to process their request.
Many other requests for credit have been made by Cindy in the past, including one from Connecticut River Community Bank in Harlingen, Texas before Cindy was accepted for the $34000 by First RepublicBank Harlingen, National Association
Cindy made 8 prior attempts to obtain a no collateral loan, 2 of which were with Connecticut River Community Bank, a lender in Harlingen, Texas known to specialize in no collateral loans specifically. Before finding First RepublicBank Harlingen, National Association, Cindy was desperate due to their inexperience and terrible credit score.
Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans range from $35,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Cindy needed a debt consolidation loan to pay for their existing no collateral loan and their loan shark loan. Cindy 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 dirty, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.7%.
Signature Loan acquired in Harlingen, Texas for $34000 with terrible credit by Cindy
A lot of borrowers struggle with finding signature loans in Harlingen, Texas, and Cindy is the same. Cindy went to 6 lending institutions or more before settling on First RepublicBank Harlingen, National Association, who offered Cindy a signature loan for $34000. Typical signature loans simply require a client, like Cindy’s signature to get them, up to $49,000 in some cases. Cindy was able to get $34000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans don’t require a cosigner, they tend to require improved credit, as high as 700
Cindy has a disappointing current yearly income, but has a high number of prospects
Cindy has always wanted to be an emergency medical technician, but would have to attend Baker College again to achieve it. Cindy has other possibilities as well, including elevator mechanic, video engineer, and personnel administrator, which pay $53,000 through to $90,000 per year, at least. For this reason, we believe that Cindy can pay for this no collateral loan of $34000.
Previous requests on Cindy’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$136240.00||11||11.4%||$1815.4||Comerica Bank||December 20, 2010|
|$136180.00||10||9.4%||$1754.69||First Star Bank, S.S.B.||August 9, 2014|
|$135890.00||8||9.7%||$2040.51||Brownfield State Bank & Trust Co.||October 23, 2014|
|$135820.00||9||6.5%||$1664.41||First Bank & Trust, Bryan, Texas||January 11, 2015|
|$136340.00||5||5.6%||$2610.55||First Bank & Trust of Clarendon||April 10, 2015|
Fast Loans for Cindy in Harlingen, Texas to prevent bankruptcy or harm from debt collectors.
Fast loans in Harlingen, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Cindy. Cindy was able to find a fast loan for $34000 from The Bank and Trust, S.S.B. and First State Bank of Mathis, but declined both offers in favor of their no collateral loan from First RepublicBank Harlingen, National Association. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big difference in the case that a client is in a time sensitive situation.
Cindy’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their equal opportunity representative job and their future career as an emergency medical technician
Personal Loan for an equal opportunity representative named Cindy in Harlingen, Texas to Pay Off Ann Taylor MasterCard
Cindy had a tonne of credit card debt on their CoreFirst Bank & Trust Gold Classic Card and their Norwegian Cruise Lines Orange MasterCard with WorldPoints Rewards, and they were starting to get in over their heads. Despite Cindy’s job as an equal opportunity representative, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Contact Details for First RepublicBank Harlingen, National Association, the provider of this no collateral loan
- First RepublicBank Harlingen, National Association
- City: Harlingen
- State: Texas
- Address: 202 East Van Buren Street
- County: Cameron
- Zip code: 78550
- Full name (Changed if requested): Cindy Tircuit
- Current Credit: loans.hit.utils.Fico@c4437c4
- Current City: Harlingen
- State: Texas
- Zip code: 78556
- Yearly income: $37,000
- Current Job: equal opportunity representative
- Current County: Cameron
- Goal Yearly Income: $131,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Cindy was not approved by The Roscoe State Bank 5 times before being accepted by First RepublicBank Harlingen, National Association at 202 East Van Buren Street
On July 16, 2012, Cindy applied about borrowing $30,000 from Silsbee State Bank with Archie, their friend from just outside Harlingen, and even with the co-signer, Cindy was rejected for this no collateral loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.
When Cindy was 23, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a chronology of Cindy’s prior attempts at finding a student loan:
- Attempt 1) Loan for $34,000.00 on May 26, 2009
- Attempt 2) Loan for $22,000.00 on March 25, 2009
- Attempt 3) Loan for $35,000.00 on March 24, 2011
- Attempt 4) Loan for $29,000.00 on April 23, 2014
Cindy’s Transunion score was changed by the no collateral loan loan, changing to 374 from 386, which is typical in our experience.
Before applying for this no collateral loan, Cindy had an Experian score of 399, which is terrible, so First RepublicBank Harlingen, National Association probably cannot provide Cindy a no collateral loan
Conclusion of Cindy’s no collateral loan
In the end, Cindy was able to find a no collateral loan for $34000 with an interest rate of 6.8% interest APR from First RepublicBank Harlingen, National Association in Harlingen, Texas repayable over 21 years from today.