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16 Year, Fixed Interest Direct Loan For Jimmie In Texas

$129000 Direct Loan – Houston Texas, Credit Rating Of 697

  • Experian: 713 – This client had a good Experian score
  • Transunion: 682 – Jimmie had a good credit score with Transunion.
  • Equifax: Jimmie’s Experian score was 697, which is a good credit rating with the Experian scale.

Signature Loan found in Houston, Texas for $129000 with good credit by Jimmie

A lot of clients have difficulty with obtaining signature loans in Houston, Texas, and Jimmie is the same. Jimmie went to 4 lending institutions or more before finding Cullen Center Bank & Trust, who offered Jimmie a signature loan for $129000. Most signature loans simply need a client, like Jimmie’s signature to get them, up to $35,000 in some cases. Jimmie was able to get $129000 as a direct loan, which is very high for a direct loan. Because signature loans don’t require a cosigner, they tend to require improved credit, as high as 739

Jimmie’s Transunion score was changed by the direct loan loan, changing to 682 from 697, which is typical in our experience.

Transunion Score: 682

Personal Loan for a casino floor person named Jimmie in Houston, Texas to Pay Off Simmons Bank Visa Gold Select

Jimmie had a tonne of credit card debt on their U.S. Pride BankAmericard Cash Rewards Visa Card and their Five Star Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Jimmie’s job as a casino floor person, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Jimmie has a very low current gross income, but has several of prospects

Jimmie has always wanted to be an agricultural equipment operator, but would have to attend John Brown University again to achieve it. Jimmie has other possibilities as well, including sales representative, ophthalmologist, and employee training instructor, which pay $51,000 through to $104,000 per year, on average. Because of this, we believe that Jimmie can afford this direct loan of $129000.

Previous requests on Jimmie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$133650.00 11 6.3% $1406.08 Comerica Bank September 15, 2012
$134130.00 6 11.3% $2573.7 First Star Bank, S.S.B. July 18, 2013
$134330.00 8 9.4% $1995.95 Brownfield State Bank & Trust Co. June 29, 2014
$133770.00 10 7.2% $1567.01 First Bank & Trust, Bryan, Texas November 23, 2014

Jimmie’s Overall FICO score at the time of acceptance for a direct loan, taking into account their casino floor person job and their future job as an agricultural equipment operator

Fico Score: 697

Client Profile: Jimmie Septer of Houston, Texas
  • Full name (Changed if requested): Jimmie Septer
  • Current Credit: loans.hit.utils.Fico@1b2c6ec2
  • Current City: Houston
  • State: Texas
  • Zip code: 77258
  • Yearly income: $61,000
  • Current Job: casino floor person
  • Current County: Harris
  • Goal Yearly Income: $144,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $29,000.00 to $51,000.00. They are normally used to pay off existing high interest loans like credit cards. Jimmie needed a debt consolidation loan to pay for their existing direct loan and their credit card. Jimmie was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.2%.

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

Fast loans in Houston, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Jimmie. Jimmie was able to find a fast loan for $129000 from First Bank & Trust, Bryan, Texas and Brownfield State Bank & Trust Co., but turned down both offers in favor of their direct loan from Cullen Center Bank & Trust. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. An improvement in the case that you are in a time sensitive situation.

When Jimmie was 24, they attempted to obtain a student loan from 5 different banks, which damaged their credit rating. Below is a chronology of Jimmie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on March 13, 2011
  • Attempt 2) Loan for $25,000.00 on August 29, 2012
  • Attempt 3) Loan for $28,000.00 on October 18, 2008
  • Attempt 4) Loan for $22,000.00 on August 24, 2011
  • Attempt 5) Loan for $38,000.00 on June 22, 2009

Multiple other requests for credit have been made by Jimmie in the past, including one from Dauphin Deposit Bank and Trust Company in Houston, Texas before Jimmie was accepted for the $129000 by Cullen Center Bank & Trust

Jimmie made 9 prior attempts to obtain a direct loan, 2 of which were with Dauphin Deposit Bank and Trust Company, a lender in Houston, Texas known to specialize in direct loans specifically. Before finding Cullen Center Bank & Trust, Jimmie was very concerned due to their inexperience and good credit rating.

9 Months Ago, Jimmie Attempted Finding a High Risk Loan for $47,000.00, and it was Hard

There is an well known struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Jimmie. Jimmie decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Borrowers with credit ratings as low as 574 can apply for a high risk loan and have a chance to be approved.

Installment loan for Jimmie, a graduate of John Brown University and a casino floor person working for over $71,000 per year

Jimmie, an alumnus at John Brown University and a casino floor person in Houston, Texas wants a direct loan to purchase a new cell phone. Jimmie has instead chosen to obtain an installment loan for $1,000 and is at present seeking lenders like First Bank & Trust, Bryan, Texas to process their request.

Before applying for this direct loan, Jimmie had an Experian score of 713, which is good, so Cullen Center Bank & Trust probably cannot provide Jimmie a direct loan

Experian Score: 713

Jimmie was declined by Farmers State Bank of Madisonville, Texas 7 times before being granted funding by Cullen Center Bank & Trust at 600 Jefferson Street

On July 15, 2013, Jimmie applied about borrowing $45,000 from Guaranty Bank & Trust, N.A. with Marisela, their in law from just outside Houston, and even with the co-signer, Jimmie was rejected for this direct loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Jimmie for this direct loan of $129000, provided by Cullen Center Bank & Trust

Hello, I am Jimmie and my hometown is Houston in Texas. Harris, county is where I grew up, and now I need a direct loan in Texas for $129000 to renovate my home. It has been difficult, but Cullen Center Bank & Trust really came through for me with this loan for 5.5% interest APR and a term of 16 years. I can probably repay the loan over the 16 year term, including interest. A big thanks to Cullen Center Bank & Trust for trusting me and my good credit. It look me 7 years to build my credit to 697, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Contact Details for Cullen Center Bank & Trust, the provider of this direct loan

  • Cullen Center Bank & Trust
  • City: Houston
  • State: Texas
  • Address: 600 Jefferson Street
  • County: Harris
  • Zip code: 77251

Conclusion of Jimmie’s direct loan

In the end, Jimmie was able to find a direct loan for $129000 with an interest rate of 8.0% interest APR from Cullen Center Bank & Trust in Houston, 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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