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No Collateral Loan With Low APR In Travis County, Texas

$4000 No Collateral Loan – Austin Texas, Credit Rating Of 564

  • Experian: 581 – This individual had a fair Experian score
  • Transunion: 546 – Agueda had a fair credit rating with Transunion.
  • Equifax: Agueda’s Experian score was 564, which is a fair credit rating using the Experian system.

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $28,000.00 to $43,000.00. They are normally used to pay off existing high interest loans like credit cards. Agueda needed a debt consolidation loan to pay for their existing no collateral loan and their credit card. Agueda was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.8%.

7 Months Ago, Agueda Attempted to Find a High Risk Loan for $44,000.00, but They Didn’t Find What They were Expecting

It is an existing 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 frightening to borrowers like Agueda. Agueda chose not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Clients with credit scores as low as 509 can apply for a high risk loan and have a chance to be accepted.

Client Profile: Agueda Flagstad of Austin, Texas
  • Full name (Changed if requested): Agueda Flagstad
  • Current Credit: loans.hit.utils.Fico@1a86f2f1
  • Current City: Austin
  • State: Texas
  • Zip code: 78760
  • Yearly income: $46,000
  • Current Job: excavating supervisor
  • Current County: Travis
  • Goal Yearly Income: $125,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Multiple other requests for credit have been made by Agueda in the past, including one from Kingsland National Bank in Austin, Texas before Agueda was approved for the $4000 by Briercroft Savings Association

Agueda made 7 previous attempts to obtain a no collateral loan, 2 of which were with Kingsland National Bank, a lender in Austin, Texas known to specialize in no collateral loans specifically. Before finding Briercroft Savings Association, Agueda was concerned due to their inexperience and fair credit score.

Agueda has a sad current yearly income, but has several of prospects

Agueda has always wanted to be an automotive engineer, but would have to attend Forum Health/Western Reserve Care System Dental General Practice Residency 12 Months again to become one. Agueda has other possibilities as well, including resource recovery engineer, restaurant food coordinator, and nuclear fuels research engineer, which pay $57,000 through to $97,000 per year, on average. For this reason, we believe that Agueda can afford this no collateral loan of $4000.

Contact Details for Briercroft Savings Association, the provider of this no collateral loan

  • Briercroft Savings Association
  • City: Austin
  • State: Texas
  • Address: 12710 Research Boulevard
  • County: Travis
  • Zip code: 78759

When Agueda was 18, they attempted to obtain a student loan from 4 different banks, which damaged their credit score. Below is a list of Agueda’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $24,000.00 on April 9, 2010
  • Attempt 2) Loan for $36,000.00 on April 11, 2010
  • Attempt 3) Loan for $20,000.00 on August 19, 2011
  • Attempt 4) Loan for $36,000.00 on February 10, 2013

Personal Loan for an excavating supervisor named Agueda in Austin, Texas to Pay Off America’s First FCU Visa Secured

Agueda had a tonne of credit card debt on their First Niagara Bank Rewards MasterCard and their Baby Phat Prepaid Visa RushCard, and they were starting to get in over their heads. Despite Agueda’s job as an excavating supervisor, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Installment loan for Agueda, a graduate of Forum Health/Western Reserve Care System Dental General Practice Residency 12 Months and an excavating supervisor working for over $71,000 per year

Agueda, an alumnus at Forum Health/Western Reserve Care System Dental General Practice Residency 12 Months and an excavating supervisor in Austin, Texas needs a no collateral loan to purchase a new cell phone. Agueda has instead chosen to get an installment loan for $5,000 and is at present seeking lenders like Guaranty Bank & Trust, N.A. to process their request.

Paraphrased and Standardized Quote from Agueda for this no collateral loan of $4000, provided by Briercroft Savings Association

Hi, I am Agueda and I’m from Austin in Texas. Travis, county is where I grew up, and now I need a no collateral loan in Texas for $4000 to pay bills. It wasn’t easy, but Briercroft Savings Association really came through for me with this loan for 11.3% interest APR and a term of 4 years. I can repay the loan over the 4 year term, including interest. A big thanks to Briercroft Savings Association for giving me a chance and my fair credit. It look me 8 years to build my credit to 564, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

Signature Loan easily acquired in Austin, Texas for $4000 with fair credit by Agueda

A lot of prospective borrowers struggle with obtaining signature loans in Austin, Texas, and Agueda is not an exception. Agueda went to 8 lenders or more prior to finding Briercroft Savings Association, who offered Agueda a signature loan for $4000. Typical signature loans simply require a client, like Agueda’s signature to obtain them, up to $38,000 in some cases. Agueda was able to get $4000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans do not need a cosigner, they generally need higher credit, as high as 783

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

Fast loans in Austin, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Agueda. Agueda was able to find a fast loan for $4000 from First Financial Bank and Vista Bank, but turned down both offers in favor of their no collateral loan from Briercroft Savings Association. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better if a borrower is in a time sensitive situation.

Before applying for this no collateral loan, Agueda had an Experian score of 581, which is fair, so Briercroft Savings Association likely cannot provide Agueda a no collateral loan

Experian Score: 581

Previous requests on Agueda’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$97880.00 5 7.5% $1961.31 Comerica Bank January 16, 2011
$97600.00 11 11.6% $1311.95 First Star Bank, S.S.B. December 9, 2011
$97740.00 10 7.5% $1160.19 Brownfield State Bank & Trust Co. January 18, 2013
$97900.00 8 9.5% $1459.78 First Bank & Trust, Bryan, Texas February 20, 2013

Agueda’s Transunion score was changed by the no collateral loan loan, changing to 546 from 564, which is typical in our experience.

Transunion Score: 546

Agueda’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their excavating supervisor job and their future job as an automotive engineer

Fico Score: 564

Agueda was rejected by Guaranty Bank & Trust, N.A. 4 times before being approved by Briercroft Savings Association at 12710 Research Boulevard

On November 24, 2009, Agueda inquired about borrowing $33,000 from First State Bank of Matador with Brooks, their in law from just outside Austin, and even with the co-signer, Agueda was rejected for this no collateral loan. With fair credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Conclusion of Agueda’s no collateral loan

In the end, Agueda was able to find a no collateral loan for $4000 with an interest rate of 7.0% interest APR from Briercroft Savings Association in Austin, Texas repayable over 4 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.