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$40000 Unsecured Loan In Schulenburg Texas With Credit Score 548 For Ghislaine

$40000 Unsecured Loan – Schulenburg Texas, Credit Rating Of 548

  • Experian: 559 – They had a fair Experian rating
  • Transunion: 529 – Ghislaine had a fair credit rating with Transunion.
  • Equifax: Ghislaine’s Experian score was 548, which is a fair credit rating using the Experian system.

When Ghislaine was 23, they tried to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a list of Ghislaine’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on July 23, 2013
  • Attempt 2) Loan for $20,000.00 on November 9, 2010
  • Attempt 3) Loan for $24,000.00 on February 13, 2012
  • Attempt 4) Loan for $22,000.00 on November 30, 2012
  • Attempt 5) Loan for $27,000.00 on July 5, 2012
  • Attempt 6) Loan for $22,000.00 on September 14, 2011
  • Attempt 7) Loan for $39,000.00 on December 29, 2008

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $29,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Ghislaine required a debt consolidation loan to pay for their existing unsecured loan and their credit card. Ghislaine was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.7%.

Ghislaine was declined by First Consolidated Bank – Ferris 5 times before being granted funding by Farmers State Bank of Schulenburg at 707 Lyons Avenue

On July 2, 2011, Ghislaine applied about borrowing $1,000 from Farmers State Bank of Shiro, Texas with Joanne, their in law from just outside Schulenburg, and even with the co-signer, Ghislaine was rejected for this unsecured loan. With fair credit, it can be very hard to procure funding, even with collateral and a co-signer.

Ghislaine has a sad current gross income, but has a high number of prospects

Ghislaine has always wanted to be a nuclear monitoring technician, but would need attend Butler County Community College again to achieve it. Ghislaine has other possibilities as well, including newspaper/magazines writer, insurance lawyer, and job analyst, which pay $54,000 through to $93,000 per year, at least. Because of this, we think that Ghislaine can pay for this unsecured loan of $40000.

Ghislaine’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their air crew officer job and their future job as a nuclear monitoring technician

Fico Score: 548

Ghislaine’s Transunion score was changed by the unsecured loan loan, changing to 529 from 548, which is typical in our experience.

Transunion Score: 529

Personal Loan for an air crew officer named Ghislaine in Schulenburg, Texas to Pay Off PNC Visa Platinum Credit Card

Ghislaine had a lot of credit card debt on their Jeff Bank Visa Signature Bonus Rewards Card and their PNC Bank Core Visa Credit Card, and they were starting to get in over their heads. Despite Ghislaine’s job as an air crew officer, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Ghislaine Hevey of Schulenburg, Texas
  • Full name (Changed if requested): Ghislaine Hevey
  • Current Credit: loans.hit.utils.Fico@3339ad8e
  • Current City: Schulenburg
  • State: Texas
  • Zip code: 78962
  • Yearly income: $69,000
  • Current Job: air crew officer
  • Current County: Fayette
  • Goal Yearly Income: $127,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Signature Loan found in Schulenburg, Texas for $40000 with fair credit by Ghislaine

Most prospective borrowers struggle with obtaining signature loans in Schulenburg, Texas, and Ghislaine is no different. Ghislaine went to 6 lenders or more prior to finding Farmers State Bank of Schulenburg, who offered Ghislaine a signature loan for $40000. Most signature loans simply require a client, like Ghislaine’s signature to obtain them, up to $48,000 in some cases. Ghislaine was able to get $40000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans do not need collateral, these loans tend to require better credit, as high as 769

Before applying for this unsecured loan, Ghislaine had an Experian score of 559, which is fair, so Farmers State Bank of Schulenburg most likely cannot provide Ghislaine an unsecured loan

Experian Score: 559

Installment loan for Ghislaine, a graduate of Butler County Community College and an air crew officer working for over $66,000 per year

Ghislaine, an alumnus at Butler County Community College and an air crew officer in Schulenburg, Texas wants an unsecured loan to purchase a car. Ghislaine has instead chosen to get an installment loan for $1,000 and is at present seeking lenders like First Star Bank, S.S.B. to process their request.

Contact Details for Farmers State Bank of Schulenburg, the provider of this unsecured loan

  • Farmers State Bank of Schulenburg
  • City: Schulenburg
  • State: Texas
  • Address: 707 Lyons Avenue
  • County: Fayette
  • Zip code: 78956

8 Months in the Past, Ghislaine Attempted to Find a High Risk Loan for $42,000.00, but They Didn’t Find What They were Expecting

It is an well known struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Ghislaine. Ghislaine decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Individuals with credit ratings as low as 567 can apply for a high risk loan and possibly can be accepted.

Multiple other requests for credit have been made by Ghislaine in the past, including one from North Texas Bank and Trust in Schulenburg, Texas before Ghislaine was accepted for the $40000 by Farmers State Bank of Schulenburg

Ghislaine made 9 prior attempts to obtain an unsecured loan, 2 of which were with North Texas Bank and Trust, a lender in Schulenburg, Texas known to specialize in unsecured loans specifically. Before finding Farmers State Bank of Schulenburg, Ghislaine was concerned due to their inexperience and fair credit score.

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

Fast loans in Schulenburg, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Ghislaine. Ghislaine was able to find a fast loan for $40000 from Brownfield State Bank & Trust Co. and The Roscoe State Bank, but turned down both offers in favor of their unsecured loan from Farmers State Bank of Schulenburg. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. Much better if a borrower is on the go.

Previous requests on Ghislaine’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$70290.00 10 5.1% $748.97 Comerica Bank June 7, 2010
$69630.00 10 11.3% $971.02 First Star Bank, S.S.B. October 22, 2012
$70330.00 5 9.6% $1480.5 Brownfield State Bank & Trust Co. September 21, 2014
$70310.00 5 6.2% $1365.84 First Bank & Trust, Bryan, Texas January 7, 2015

Paraphrased and Standardized Quote from Ghislaine for this unsecured loan of $40000, provided by Farmers State Bank of Schulenburg

Hi, I am Ghislaine and my hometown is Schulenburg in Texas. Fayette, county is where I grew up, and now I need a unsecured loan in Texas for $40000 to buy a big ticket item. It wasn’t easy, but Farmers State Bank of Schulenburg really came through for me with this loan for 6.4% interest APR and a term of 13 years. I can probably repay the loan over the 13 year term, including interest. A big thanks to Farmers State Bank of Schulenburg for giving me a chance and my fair credit. It look me 8 years to build my credit to 548, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.

Conclusion of Ghislaine’s unsecured loan

In the end, Ghislaine was able to find an unsecured loan for $40000 with an interest rate of 6.1% interest APR from Farmers State Bank of Schulenburg in Schulenburg, Texas repayable over 13 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.