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Quick Loan With Very Low APR In Bandera County, Texas

$81000 Quick Loan – Bandera Texas, Credit Score Of 813

  • Experian: 824 – They had an excellent Experian rating
  • Transunion: 799 – Sharla had an excellent credit rating with Transunion.
  • Equifax: Sharla’s Experian score was 813, which is an excellent credit rating with the Experian rating scheme.
Client Profile: Sharla Dolan of Bandera, Texas
  • Full name (Changed if requested): Sharla Dolan
  • Current Credit: loans.hit.utils.Fico@12edcd21
  • Current City: Bandera
  • State: Texas
  • Zip code: 78012
  • Yearly income: $57,000
  • Current Job: traffic administrator
  • Current County: Bandera
  • Goal Yearly Income: $120,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

When Sharla was 23, they attempted to obtain a student loan from 4 different lenders, which damaged their credit rating. Below is a chronology of Sharla’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on March 15, 2009
  • Attempt 2) Loan for $29,000.00 on February 3, 2010
  • Attempt 3) Loan for $33,000.00 on August 17, 2009
  • Attempt 4) Loan for $31,000.00 on February 2, 2012

Sharla’s Transunion score was changed by the quick loan loan, changing to 799 from 813, which is normal in our experience.

Transunion Score: 799

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

Sharla has always wanted to be a fire investigator, but would have to attend Sam Houston State University again to become one. Sharla has other prospects as well, including hand and portable tool mechanic, casino slot machine mechanic, and utility meter reader, which pay $55,000 through to $91,000 per year, at least. For this reason, we believe that Sharla can pay for this quick loan of $81000.

Many previous requests for credit have been made by Sharla in the past, including one from First State Bank of the South, Inc. in Bandera, Texas before Sharla was approved for the $81000 by Texas Hill Country Bank

Sharla made 9 previous attempts to obtain a quick loan, 2 of which were with First State Bank of the South, Inc., a lending institution in Bandera, Texas known to specialize in quick loans specifically. Prior to finding Texas Hill Country Bank, Sharla was desperate due to their inexperience and excellent credit rating.

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $31,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Sharla needed a debt consolidation loan to pay for their existing quick loan and their credit card. Sharla was able to find a quick loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.1%.

Paraphrased and Standardized Quote from Sharla for this quick loan of $81000, provided by Texas Hill Country Bank

Hello, I am Sharla and I am from Bandera in Texas. Bandera, county is where I grew up, and now I need a quick loan in Texas for $81000 to buy a car. It has been difficult, but Texas Hill Country Bank really came through for me with this loan for 7.8% interest APR and a term of 14 years. I will repay the loan over the 14 year term, including interest. A big thanks to Texas Hill Country Bank for trusting me and my excellent credit. It look me 4 years to create my credit to 813, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Sharla was rejected by Silsbee State Bank 5 times before being accepted by Texas Hill Country Bank at 800 Main Street

On February 7, 2010, Sharla applied about borrowing $47,000 from First Bank & Trust of Clarendon with Janel, their friend from just outside Bandera, and even with the co-signer, Sharla was rejected for this quick loan. With excellent credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

6 Months Ago, Sharla Tried to Find a High Risk Loan for $20,000.00, and it was Easy

There is an ongoing struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Sharla. Sharla chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Individuals with credit scores as low as 484 can inquire for a high risk loan and may be be accepted.

Personal Loan for a traffic administrator named Sharla in Bandera, Texas to Pay Off Doctors Foster & Smith Visa

Sharla had a tonne of credit card debt on their Columbus Bank and Trust Visa Platinum and their BankAmericard Visa Card, and they were starting to get in over their heads. Despite Sharla’s job as a traffic administrator, 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 Sharla’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$71330.00 3 6.1% $2173.23 Comerica Bank December 2, 2008
$70690.00 7 10.6% $1195.57 First Star Bank, S.S.B. February 5, 2009
$70560.00 8 5.8% $920.4 Brownfield State Bank & Trust Co. August 19, 2009
$71310.00 5 9.6% $1501.13 First Bank & Trust, Bryan, Texas May 20, 2012

Installment loan for Sharla, a graduate of Sam Houston State University and a traffic administrator working for over $79,000 per year

Sharla, an alumnus at Sam Houston State University and a traffic administrator in Bandera, Texas needs a quick loan to purchase a car. Sharla has instead decided to get an installment loan for $21,000 and is currently seeking lenders like First Bank & Trust, Bryan, Texas to provide it.

Fast Loans for Sharla in Bandera, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Bandera, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Sharla. Sharla was able to find a fast loan for $81000 from Guaranty Bank & Trust Company and Vista Bank, but declined both offers in favor of their quick loan from Texas Hill Country Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big difference if a client is in a time sensitive situation.

Sharla’s Overall FICO score at the time of acceptance for a quick loan, taking into account their traffic administrator job and their future job as a fire investigator

Fico Score: 813

Signature Loan found in Bandera, Texas for $81000 with excellent credit by Sharla

Most clients struggle with finding signature loans in Bandera, Texas, and Sharla is no exception. Sharla went to 8 lending institutions or more before settling on Texas Hill Country Bank, who offered Sharla a signature loan for $81000. Typical signature loans simply need a client, like Sharla’s signature to obtain them, up to $41,000 in some cases. Sharla was able to get $81000 as a quick loan, which is very high for a quick loan. Because signature loans do not require collateral, these loans tend to need better credit, as high as 755

Contact Details for Texas Hill Country Bank, the provider of this quick loan

  • Texas Hill Country Bank
  • City: Bandera
  • State: Texas
  • Address: 800 Main Street
  • County: Bandera
  • Zip code: 78003

Before applying for this quick loan, Sharla had an Experian score of 824, which is excellent, so Texas Hill Country Bank likely cannot provide Sharla a quick loan

Experian Score: 824

Conclusion of Sharla’s quick loan

In the end, Sharla was able to find a quick loan for $81000 with an interest rate of 6.5% interest APR from Texas Hill Country Bank in Bandera, Texas repayable over 14 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.