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No Collateral Loan With Very Low APR In Tyler County, Texas

$114000 No Collateral Loan – Woodville Texas, Credit Score Of 726

  • Experian: 736 – This individual had an excellent Experian score
  • Transunion: 713 – Emilie had an excellent credit score with Transunion.
  • Equifax: Emilie’s Experian score was 726, which is an excellent credit rating with the Experian system.

Before applying for this no collateral loan, Emilie had an Experian score of 736, which is excellent, so Citizens State Bank most likely cannot provide Emilie a no collateral loan

Experian Score: 736

Emilie’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their anthropology and archeology professor job and their future job as a railroad engineer

Fico Score: 726

Several past requests for credit have been made by Emilie in the past, including one from Liberty Bank of Maryland in Woodville, Texas before Emilie was approved for the $114000 by Citizens State Bank

Emilie made 6 previous tries to obtain a no collateral loan, 2 of which were with Liberty Bank of Maryland, a bank in Woodville, Texas known to specialize in no collateral loans specifically. Before finding Citizens State Bank, Emilie was concerned due to their inexperience and excellent credit score.

Paraphrased and Standardized Quote from Emilie for this no collateral loan of $114000, provided by Citizens State Bank

Hi, I am Emilie and I am from Woodville in Texas. Tyler, county is where I grew up, and now I need a no collateral loan in Texas for $114000 to avoid bankruptcy. It wasn’t easy, but Citizens State Bank really came through for me with this loan for 7.3% interest APR and a term of 8 years. I can repay the loan over the 8 year term, including interest. A big thanks to Citizens State Bank for giving me a chance and my excellent credit. It look me 4 years to create my credit to 726, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.

Contact Details for Citizens State Bank, the provider of this no collateral loan

  • Citizens State Bank
  • City: Woodville
  • State: Texas
  • Address: 102 West Bluff Street
  • County: Tyler
  • Zip code: 75979

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $34,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Emilie required a debt consolidation loan to pay for their existing no collateral loan and their loan shark loan. Emilie 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 changes your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.0%.

Emilie’s Transunion score was changed by the no collateral loan loan, changing to 713 from 726, which is typical in our experience.

Transunion Score: 713

Previous requests on Emilie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$139450.00 9 6.3% $1694.97 Comerica Bank October 18, 2010
$139410.00 10 8.6% $1735.95 First Star Bank, S.S.B. September 28, 2012
$138800.00 8 8.4% $1990.51 Brownfield State Bank & Trust Co. September 8, 2013
$139420.00 6 11.2% $2668.04 First Bank & Trust, Bryan, Texas January 5, 2014
$138780.00 3 10.7% $4523.79 First Bank & Trust of Clarendon September 24, 2014
Client Profile: Emilie Heisserer of Woodville, Texas
  • Full name (Changed if requested): Emilie Heisserer
  • Current Credit: loans.hit.utils.Fico@506e1b77
  • Current City: Woodville
  • State: Texas
  • Zip code: 75982
  • Yearly income: $61,000
  • Current Job: anthropology and archeology professor
  • Current County: Tyler
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Installment loan for Emilie, a graduate of College of Western Idaho and an anthropology and archeology professor working for over $66,000 per year

Emilie, an alumnus at College of Western Idaho and an anthropology and archeology professor in Woodville, Texas wants a no collateral loan to purchase a house. Emilie has instead decided to get an installment loan for $1,000 and is currently seeking lenders like Austin Bank, Rusk, Texas to process their request.

7 Months Ago, Emilie Attempted to Find a High Risk Loan for $49,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Emilie. Emilie chose not to get a high risk loan this time. High Risk loans are given to very low credit applicants. Borrowers with credit ratings as low as 334 can apply for a high risk loan and may be be approved.

Emilie was not approved by First Consolidated Bank – Ferris 6 times before being approved by Citizens State Bank at 102 West Bluff Street

On May 30, 2011, Emilie applied about borrowing $46,000 from The Bank and Trust, S.S.B. with Darcel, their friend from just outside Woodville, and even with the co-signer, Emilie was rejected for this no collateral loan. With excellent credit, it can be difficult to procure funding, even with collateral and a co-signer.

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

Emilie has always wanted to be a railroad engineer, but would need attend College of Western Idaho again to achieve it. Emilie has other possibilities as well, including computer controlled machine tool operator, it administrator, and harbor, which pay $58,000 through to $104,000 per year, on average. Because of this, we believe that Emilie can afford this no collateral loan of $114000.

Signature Loan easily acquired in Woodville, Texas for $114000 with excellent credit by Emilie

Most prospective borrowers have difficulty with finding signature loans in Woodville, Texas, and Emilie is the same. Emilie went to 6 lenders or more prior to finding Citizens State Bank, who offered Emilie a signature loan for $114000. Most signature loans simply need a client, like Emilie’s signature to get them, up to $23,000 in some cases. Emilie was able to get $114000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not need a cosigner, they generally require better credit, as high as 705

Fast Loans for Emilie in Woodville, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Woodville, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Emilie. Emilie was able to find a fast loan for $114000 from First City Bank of Richardson and Eden State Bank, but turned down both offers in favor of their no collateral loan from Citizens State Bank. The difference 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 installment loans. Much better in the case that a client is in a pinch.

Personal Loan for an anthropology and archeology professor named Emilie in Woodville, Texas to Pay Off Carter Lumber Company Credit Card

Emilie had a tonne of credit card debt on their Justice FCU FBI-LEEDA Visa Rewards Credit Card and their Chicago Bar Association Membership Rewards Visa Card, and they were starting to get in over their heads. Despite Emilie’s job as an anthropology and archeology professor, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Emilie was 20, they attempted to obtain a student loan from 7 alternate lenders, which damaged their credit rating. Below is a chronology of Emilie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on August 12, 2011
  • Attempt 2) Loan for $20,000.00 on August 28, 2012
  • Attempt 3) Loan for $22,000.00 on June 20, 2011
  • Attempt 4) Loan for $25,000.00 on September 17, 2012
  • Attempt 5) Loan for $25,000.00 on December 8, 2013
  • Attempt 6) Loan for $31,000.00 on December 20, 2008
  • Attempt 7) Loan for $35,000.00 on June 1, 2010

Conclusion of Emilie’s no collateral loan

In the end, Emilie was able to find a no collateral loan for $114000 with an interest rate of 6.8% interest APR from Citizens State Bank in Woodville, Texas repayable over 8 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.