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Personal Loan Of $36000 For Fair Credit Texas Resident

$36000 Personal Loan – Baytown Texas, Credit Rating Of 553

  • Experian: 566 – They had a fair Experian score
  • Transunion: 536 – Tijuana had a fair credit rating with Transunion.
  • Equifax: Tijuana’s Experian score was 553, which is a fair credit score on the Experian system.

Fast Loans for Tijuana in Baytown, Texas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Baytown, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Tijuana. Tijuana was able to find a fast loan for $36000 from MBank Greenville, National Association and Citizens State Bank of Dalhart, but turned down both offers in favor of their personal loan from First American Bank & Trust of Baytown. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement in the case that a borrower is in a pinch.

Several previous requests for credit have been made by Tijuana in the past, including one from American Midwest Bank in Baytown, Texas before Tijuana was accepted for the $36000 by First American Bank & Trust of Baytown

Tijuana made 8 previous tries to obtain a personal loan, 2 of which were with American Midwest Bank, a bank in Baytown, Texas known to specialize in personal loans specifically. Prior to finding First American Bank & Trust of Baytown, Tijuana was very concerned due to their inexperience and fair credit score.

Tijuana’s Overall FICO score at the time of acceptance for a personal loan, taking into account their agricultural product sorter job and their future career as a stained glass artist

Fico Score: 553

Before applying for this personal loan, Tijuana had an Experian score of 566, which is fair, so First American Bank & Trust of Baytown likely cannot provide Tijuana a personal loan

Experian Score: 566

Tijuana’s Transunion score was changed by the personal loan loan, changing to 536 from 553, which is typical in our experience.

Transunion Score: 536

Paraphrased and Standardized Quote from Tijuana for this personal loan of $36000, provided by First American Bank & Trust of Baytown

Hello, I am Tijuana and my hometown is Baytown in Texas. Harris, county is where I grew up, and now I need a personal loan in Texas for $36000 to buy a big ticket item. It wasn’t easy, but First American Bank & Trust of Baytown really came through for me with this loan for 6.0% interest APR and a term of 16 years. I can repay the loan over the 16 year term, including interest. A big thanks to First American Bank & Trust of Baytown for trusting me and my fair credit. It look me 9 years to create my credit to 553, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Tijuana has a low current yearly income, but has a high number of prospects

Tijuana has always wanted to be a stained glass artist, but would have to attend Madisonville Community College again to achieve it. Tijuana has other possibilities as well, including materials inspector, golf course superintendent, and patent agent, which pay $59,000 through to $101,000 per year, at least. Because of this, we believe that Tijuana can afford this personal loan of $36000.

Client Profile: Tijuana Isgrigg of Baytown, Texas
  • Full name (Changed if requested): Tijuana Isgrigg
  • Current Credit: loans.hit.utils.Fico@6193b845
  • Current City: Baytown
  • State: Texas
  • Zip code: 77529
  • Yearly income: $58,000
  • Current Job: agricultural product sorter
  • Current County: Harris
  • Goal Yearly Income: $105,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Signature Loan acquired in Baytown, Texas for $36000 with fair credit by Tijuana

A lot of clients struggle with finding signature loans in Baytown, Texas, and Tijuana is no exception. Tijuana went to 8 lenders or more before settling on First American Bank & Trust of Baytown, who offered Tijuana a signature loan for $36000. Most signature loans simply need a client, like Tijuana’s signature to obtain them, up to $38,000 in some cases. Tijuana was able to get $36000 as a personal loan, which is very high for a personal loan. Because signature loans don’t require a cosigner, these loans generally require improved credit, as high as 707

Personal Loan for an agricultural product sorter named Tijuana in Baytown, Texas to Pay Off Ralphs Rewards Plus MasterCard

Tijuana had a tonne of credit card debt on their Atlantic Stewardship Bank Visa Business Card and their CFCU Classic Visa, and they were starting to get in over their heads. Despite Tijuana’s job as an agricultural product sorter, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Tijuana’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$57540.00 7 5.5% $826.85 Comerica Bank April 12, 2013
$57870.00 11 7.8% $654.4 First Star Bank, S.S.B. February 6, 2014
$58190.00 6 6.3% $972.64 Brownfield State Bank & Trust Co. September 5, 2014
$58450.00 7 10.4% $982.46 First Bank & Trust, Bryan, Texas December 30, 2014
$57720.00 7 9.3% $937.47 First Bank & Trust of Clarendon July 6, 2015

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $26,000.00 to $57,000.00. They are normally used to pay off existing high interest loans like credit cards. Tijuana needed a debt consolidation loan to pay for their existing personal loan and their payday loan. Tijuana was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 2.8%.

Installment loan for Tijuana, a graduate of Madisonville Community College and an agricultural product sorter working for over $79,000 per year

Tijuana, an alumnus at Madisonville Community College and an agricultural product sorter in Baytown, Texas needs a personal loan to purchase a new cell phone. Tijuana has instead decided to get an installment loan for $20,000 and is currently seeking lenders like Commercial State Bank to process their request.

When Tijuana was 23, they tried to obtain a student loan from 7 alternate lenders, which harmed their credit score. Below is a list of Tijuana’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on July 22, 2010
  • Attempt 2) Loan for $28,000.00 on January 10, 2009
  • Attempt 3) Loan for $28,000.00 on November 28, 2011
  • Attempt 4) Loan for $39,000.00 on April 2, 2012
  • Attempt 5) Loan for $25,000.00 on October 4, 2009
  • Attempt 6) Loan for $37,000.00 on July 31, 2009
  • Attempt 7) Loan for $30,000.00 on January 1, 2009

9 Months in the Past, Tijuana Tried to Find a High Risk Loan for $27,000.00, and it was Hard

There is an well known struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Tijuana. Tijuana chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Borrowers with credit ratings as low as 342 can apply for a high risk loan and may be be accepted.

Contact Details for First American Bank & Trust of Baytown, the provider of this personal loan

  • First American Bank & Trust of Baytown
  • City: Baytown
  • State: Texas
  • Address: West Texas And Decker Drive
  • County: Harris
  • Zip code: 77520

Tijuana was not approved by Silsbee State Bank 7 times prior to being approved by First American Bank & Trust of Baytown at West Texas And Decker Drive

On December 25, 2010, Tijuana inquired about borrowing $21,000 from First Bank & Trust of Clarendon with Edwin, their in law from just outside Baytown, and even with the co-signer, Tijuana was rejected for this personal loan. With fair credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Conclusion of Tijuana’s personal loan

In the end, Tijuana was able to find a personal loan for $36000 with an interest rate of 7.6% interest APR from First American Bank & Trust of Baytown in Baytown, Texas repayable over 16 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.