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1 Year Unsecured Loan For Betsey In Irving Texas

$120000 Unsecured Loan – Irving Texas, Credit Score Of 504

  • Experian: 523 – They had a fair Experian rating
  • Transunion: 488 – Betsey had a fair credit rating with Transunion.
  • Equifax: Betsey’s Experian score was 504, which is a fair credit rating on the Experian scale.

When Betsey was 20, they attempted to obtain a student loan from 7 different banks, which harmed their credit rating. Below is a list of Betsey’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on January 6, 2011
  • Attempt 2) Loan for $22,000.00 on March 10, 2011
  • Attempt 3) Loan for $29,000.00 on May 15, 2011
  • Attempt 4) Loan for $23,000.00 on July 17, 2010
  • Attempt 5) Loan for $38,000.00 on August 27, 2011
  • Attempt 6) Loan for $27,000.00 on May 6, 2010
  • Attempt 7) Loan for $28,000.00 on October 28, 2010

Previous requests on Betsey’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$75880.00 7 7.4% $1160.13 Comerica Bank July 20, 2010
$75760.00 6 9.4% $1380.7 First Star Bank, S.S.B. March 4, 2012
$76250.00 9 6.4% $930.59 Brownfield State Bank & Trust Co. March 27, 2012
$75850.00 8 8.5% $1091.64 First Bank & Trust, Bryan, Texas December 22, 2014

9 Months Ago, Betsey Tried to Find a High Risk Loan for $33,000.00, and it was Easy

There is an existing struggle for borrowers to get high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Betsey. Betsey decided not to get a high risk loan this time. High Risk loans are given to very low credit individuals. Borrowers with credit scores as low as 326 can apply for a high risk loan and have a chance to be approved.

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

Betsey has always wanted to be an armored assault vehicle officer, but would have to attend Florida Technical College again to achieve it. Betsey has other prospects as well, including employment and placement specialist, construction driller, and pediatrician, which pay $52,000 through to $97,000 per year, at least. For this reason, we believe that Betsey can pay for this unsecured loan of $120000.

Betsey’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their civil engineering technician job and their future career as an armored assault vehicle officer

Fico Score: 504

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $28,000.00 to $54,000.00. They are typically used to pay off existing high interest loans like credit cards. Betsey needed a debt consolidation loan to pay for their existing unsecured loan and their loan shark loan. Betsey was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.3%.

Before applying for this unsecured loan, Betsey had an Experian score of 523, which is fair, so Bank of Las Colinas, National Association most likely cannot provide Betsey an unsecured loan

Experian Score: 523

Paraphrased and Standardized Quote from Betsey for this unsecured loan of $120000, provided by Bank of Las Colinas, National Association

Hello, I am Betsey and I am from Irving in Texas. Dallas, county is where I grew up, and now I need a unsecured loan in Texas for $120000 to renovate my home. It wasn’t easy, but Bank of Las Colinas, National Association really came through for me with this loan for 6.3% interest APR and a term of 17 years. I can probably repay the loan over the 17 year term, including interest. A big thanks to Bank of Las Colinas, National Association for giving me a chance and my fair credit. It look me 7 years to build my credit to 504, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Client Profile: Betsey Wall of Irving, Texas
  • Full name (Changed if requested): Betsey Wall
  • Current Credit: loans.hit.utils.Fico@3f91beef
  • Current City: Irving
  • State: Texas
  • Zip code: 75068
  • Yearly income: $31,000
  • Current Job: civil engineering technician
  • Current County: Dallas
  • Goal Yearly Income: $120,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Signature Loan found in Irving, Texas for $120000 with fair credit by Betsey

Many clients struggle with finding signature loans in Irving, Texas, and Betsey is no exception. Betsey went to 4 lending institutions or more before settling on Bank of Las Colinas, National Association, who offered Betsey a signature loan for $120000. Typical signature loans simply need a client, like Betsey’s signature to obtain them, up to $34,000 in some cases. Betsey was able to get $120000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t require collateral, these loans tend to require improved credit, as high as 707

Installment loan for Betsey, a graduate of Florida Technical College and a civil engineering technician working for over $72,000 per year

Betsey, an alumnus at Florida Technical College and a civil engineering technician in Irving, Texas needs an unsecured loan to purchase a house. Betsey has instead chosen to obtain an installment loan for $1,000 and is currently seeking lenders like First City Bank of Richardson to process their request.

Betsey’s Transunion score was altered by the unsecured loan loan, changing to 488 from 504, which is normal in our experience.

Transunion Score: 488

Many previous requests for credit have been made by Betsey in the past, including one from Preston National Bank in Irving, Texas before Betsey was accepted for the $120000 by Bank of Las Colinas, National Association

Betsey made 4 previous attempts to obtain an unsecured loan, 2 of which were with Preston National Bank, a lending institution in Irving, Texas known to specialize in unsecured loans specifically. Before finding Bank of Las Colinas, National Association, Betsey was concerned due to their inexperience and fair credit score.

Fast Loans for Betsey in Irving, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Irving, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Betsey. Betsey was able to find a fast loan for $120000 from Comerica Bank and Commercial Bank of Texas, National Association, but declined both offers in favor of their unsecured loan from Bank of Las Colinas, National Association. 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 personal loans. Much better if you are on the go.

Betsey was not approved by First RepublicBank Forney 6 times before being accepted by Bank of Las Colinas, National Association at 4925 North O’connor Road

On July 26, 2009, Betsey applied about borrowing $39,000 from Texas Commerce Bank – Rio Grande Valley, National Association with Judith, their friend from just outside Irving, and even with the co-signer, Betsey was rejected for this unsecured loan. With fair credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Personal Loan for a civil engineering technician named Betsey in Irving, Texas to Pay Off Fifth Third Business Rewards MasterCard

Betsey had a lot of credit card debt on their Berkshire Municipal Bank Visa Business Bonus Rewards PLUS Card and their NBT Bank Visa Signature Bonus Rewards Card, and they were starting to get in over their heads. Despite Betsey’s job as a civil engineering technician, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Contact Details for Bank of Las Colinas, National Association, the provider of this unsecured loan

  • Bank of Las Colinas, National Association
  • City: Irving
  • State: Texas
  • Address: 4925 North O’connor Road
  • County: Dallas
  • Zip code: 75062

Conclusion of Betsey’s unsecured loan

In the end, Betsey was able to find an unsecured loan for $120000 with an interest rate of 8.3% interest APR from Bank of Las Colinas, National Association in Irving, Texas repayable over 17 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.