$66000 Same Day Loan – Plano Texas, Credit Score Of 553
- Experian: 571 – They had a fair Experian rating
- Transunion: 540 – Nikki had a fair credit rating with Transunion.
- Equifax: Nikki’s Experian score was 553, which is a fair credit score using the Experian rating scheme.
Paraphrased and Standardized Quote from Nikki for this same day loan of $66000, provided by Willow Bend National Bank
Hello, I am Nikki and my hometown is Plano in Texas. Collin, county is where I grew up, and now I need a same day loan in Texas for $66000 to buy a big ticket item. It has been difficult, but Willow Bend National Bank really came through for me with this loan for 8.1% interest APR and a term of 20 years. I will repay the loan over the 20 year term, including interest. A big thanks to Willow Bend National Bank for giving me a chance and my fair credit. It look me 4 years to create my credit to 553, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.
- Full name (Changed if requested): Nikki Kretzschmar
- Current Credit: loans.hit.utils.Fico@1f17ae12
- Current City: Plano
- State: Texas
- Zip code: 75080
- Yearly income: $53,000
- Current Job: radio & tv talk show host
- Current County: Collin
- Goal Yearly Income: $91,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans range from $34,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Nikki needed a debt consolidation loan to pay for their existing same day loan and their loan shark loan. Nikki was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.6%.
Contact Details for Willow Bend National Bank, the provider of this same day loan
- Willow Bend National Bank
- City: Plano
- State: Texas
- Address: 4975 Preston Park Boulevard, Suite 100
- County: Collin
- Zip code: 75075
Installment loan for Nikki, a graduate of Saint Ambrose University and a radio & tv talk show host working for over $60,000 per year
Nikki, an alumnus at Saint Ambrose University and a radio & tv talk show host in Plano, Texas wants a same day loan to purchase a car. Nikki has instead decided to obtain an installment loan for $22,000 and is at present seeking lenders like Guaranty Bank & Trust, N.A. to provide it.
Several previous requests for credit have been made by Nikki in the past, including one from Central Dupage Federal Savings and Loan Association in Plano, Texas before Nikki was accepted for the $66000 by Willow Bend National Bank
Nikki made 7 previous tries to obtain a same day loan, 2 of which were with Central Dupage Federal Savings and Loan Association, a lending institution in Plano, Texas known to specialize in same day loans specifically. Before finding Willow Bend National Bank, Nikki was concerned due to their inexperience and fair credit rating.
6 Months Ago, Nikki Tried to Find a High Risk Loan for $23,000.00, and it was Hard
It is an existing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Nikki. Nikki chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Individuals with credit scores as low as 466 can apply for a high risk loan and may be be approved.
Nikki’s Overall FICO score at the time of acceptance for a same day loan, taking into account their radio & tv talk show host job and their future job as an atmospheric and space scientist
Nikki has a low current total income, but has a high number of prospects
Nikki has always wanted to be an atmospheric and space scientist, but would need attend Saint Ambrose University again to become one. Nikki has other possibilities as well, including armored assault vehicle officer, package designer, and emergency management specialist, which pay $53,000 through to $107,000 per year, at least. For this reason, we think that Nikki can pay for this same day loan of $66000.
Personal Loan for a radio & tv talk show host named Nikki in Plano, Texas to Pay Off Justice FCU Visa Gold Card
Nikki had a tonne of credit card debt on their Fifth Third Platinum Card and their Atlantic Stewardship Bank Visa Signature Bonus Rewards Card, and they were starting to get in over their heads. Despite Nikki’s job as a radio & tv talk show host, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Nikki’s Transunion score was altered by the same day loan loan, changing to 540 from 553, which is normal in our experience.
Fast Loans for Nikki in Plano, Texas to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Plano, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Nikki. Nikki was able to find a fast loan for $66000 from First Financial Bank and Texas Commerce Bank – Rio Grande Valley, National Association, but turned down both offers in favor of their same day loan from Willow Bend National Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. An improvement in the case that you are in a time sensitive situation.
When Nikki was 21, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a list of Nikki’s previous attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on July 1, 2012
- Attempt 2) Loan for $36,000.00 on October 26, 2009
- Attempt 3) Loan for $22,000.00 on October 15, 2012
- Attempt 4) Loan for $25,000.00 on October 19, 2008
- Attempt 5) Loan for $32,000.00 on December 30, 2010
Nikki was not approved by Texas Commerce Bank – Rio Grande Valley, National Association 7 times prior to being accepted by Willow Bend National Bank at 4975 Preston Park Boulevard, Suite 100
On October 29, 2012, Nikki inquired about borrowing $35,000 from First State Bank of Mathis with Olin, their in law from just outside Plano, and even with the co-signer, Nikki was rejected for this same day loan. With fair credit, it can be challenging to obtain funding, even with collateral and a co-signer.
Previous requests on Nikki’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$11560.00||4||9.2%||$288.77||Comerica Bank||January 8, 2010|
|$11820.00||8||6.1%||$155.91||First Star Bank, S.S.B.||May 9, 2010|
|$11730.00||4||10.6%||$300.89||Brownfield State Bank & Trust Co.||February 3, 2013|
|$11870.00||7||9.6%||$194.61||First Bank & Trust, Bryan, Texas||November 7, 2013|
Signature Loan acquired in Plano, Texas for $66000 with fair credit by Nikki
A lot of prospective borrowers have difficulty with finding signature loans in Plano, Texas, and Nikki is no exception. Nikki went to 5 lending institutions or more prior to finding Willow Bend National Bank, who offered Nikki a signature loan for $66000. Most signature loans simply require a client, like Nikki’s signature to obtain them, up to $48,000 in some cases. Nikki was able to get $66000 as a same day loan, which is very high for a same day loan. Since signature loans don’t need a cosigner, these loans generally need improved credit, as high as 721
Before applying for this same day loan, Nikki had an Experian score of 571, which is fair, so Willow Bend National Bank likely cannot provide Nikki a same day loan
Conclusion of Nikki’s same day loan
In the end, Nikki was able to find a same day loan for $66000 with an interest rate of 7.6% interest APR from Willow Bend National Bank in Plano, Texas repayable over 20 years from today.