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4 Year, Variable Interest Personal Loan For Sandie In Texas

$33000 Personal Loan – Farmers Branch Texas, Credit Rating Of 528

  • Experian: 540 – They had a fair Experian score
  • Transunion: 515 – Sandie had a fair credit score with Transunion.
  • Equifax: Sandie’s Experian score was 528, which is a fair credit rating using the Experian rating scheme.

Personal Loan for a petroleum geologist named Sandie in Farmers Branch, Texas to Pay Off Barclaycard Visa with Apple Rewards

Sandie had a lot of credit card debt on their Berkshire Municipal Bank Visa Business Card and their USAA Rewards World MasterCard, and they were starting to get in over their heads. Despite Sandie’s job as a petroleum geologist, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Sandie for this personal loan of $33000, provided by Centre National Bank-Farmers Branch

Hi, I am Sandie and I am from Farmers Branch in Texas. Dallas, county is where I grew up, and now I need a personal loan in Texas for $33000 to avoid bankruptcy. It has been difficult, but Centre National Bank-Farmers Branch really came through for me with this loan for 6.6% interest APR and a term of 4 years. I will repay the loan over the 4 year term, including interest. A big thanks to Centre National Bank-Farmers Branch for trusting me and my fair credit. It look me 5 years to build my credit to 528, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.

Before applying for this personal loan, Sandie had an Experian score of 540, which is fair, so Centre National Bank-Farmers Branch likely cannot provide Sandie a personal loan

Experian Score: 540

Fast Loans for Sandie in Farmers Branch, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Farmers Branch, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Sandie. Sandie was able to find a fast loan for $33000 from Farmers State Bank of Madisonville, Texas and Eden State Bank, but turned down both offers in favor of their personal loan from Centre National Bank-Farmers Branch. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big difference in the case that a client is in a time sensitive situation.

Sandie has a disappointing current yearly income, but has a large amount of prospects

Sandie has always wanted to be a customs inspector, but would have to attend National Louis University again to achieve it. Sandie has other possibilities as well, including security guard, fraud investigator, and foreign student adviser, which pay $51,000 through to $101,000 per year, on average. For this reason, we believe that Sandie can afford this personal loan of $33000.

Signature Loan found in Farmers Branch, Texas for $33000 with fair credit by Sandie

A lot of clients struggle with obtaining signature loans in Farmers Branch, Texas, and Sandie is the same. Sandie went to 8 lending institutions or more prior to finding Centre National Bank-Farmers Branch, who offered Sandie a signature loan for $33000. Typical signature loans simply need a client, like Sandie’s signature to obtain them, up to $40,000 in some cases. Sandie was able to get $33000 as a personal loan, which is very high for a personal loan. Because signature loans don’t need collateral, these loans generally require improved credit, as high as 792

Previous requests on Sandie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$43620.00 11 11.6% $586.35 Comerica Bank March 3, 2012
$44150.00 10 5.1% $470.44 First Star Bank, S.S.B. June 5, 2013
$44290.00 4 9.3% $1108.48 Brownfield State Bank & Trust Co. January 14, 2014
$44290.00 11 11.1% $582.43 First Bank & Trust, Bryan, Texas August 13, 2014

Sandie was declined by First RepublicBank Forney 5 times prior to being granted funding by Centre National Bank-Farmers Branch at 4100 Alpha Road

On October 21, 2013, Sandie inquired about borrowing $35,000 from First Bank & Trust of Clarendon with Camellia, their friend from just outside Farmers Branch, and even with the co-signer, Sandie was rejected for this personal loan. With fair credit, it can be challenging to procure funding, even with collateral and a co-signer.

Installment loan for Sandie, a graduate of National Louis University and a petroleum geologist working for over $63,000 per year

Sandie, an alumnus at National Louis University and a petroleum geologist in Farmers Branch, Texas needs a personal loan to purchase a car. Sandie has instead chosen to obtain an installment loan for $2,000 and is currently seeking lenders like First State Bank to process their request.

Contact Details for Centre National Bank-Farmers Branch, the provider of this personal loan

  • Centre National Bank-Farmers Branch
  • City: Farmers Branch
  • State: Texas
  • Address: 4100 Alpha Road
  • County: Dallas
  • Zip code: 75381
Client Profile: Sandie Tillery of Farmers Branch, Texas
  • Full name (Changed if requested): Sandie Tillery
  • Current Credit: loans.hit.utils.Fico@3b95a09c
  • Current City: Farmers Branch
  • State: Texas
  • Zip code: 75390
  • Yearly income: $55,000
  • Current Job: petroleum geologist
  • Current County: Dallas
  • Goal Yearly Income: $136,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Sandie’s Overall FICO score at the time of acceptance for a personal loan, taking into account their petroleum geologist job and their future career as a customs inspector

Fico Score: 528

8 Months in the Past, Sandie Tried Finding a High Risk Loan for $21,000.00, and it was Easy

There is an ongoing struggle for clients to find 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 scary to borrowers like Sandie. Sandie chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Individuals with credit scores as low as 589 can apply for a high risk loan and may be be approved.

Sandie’s Transunion score was altered by the personal loan loan, changing to 515 from 528, which is typical in our experience.

Transunion Score: 515

When Sandie was 22, they tried to obtain a student loan from 5 different lenders, which harmed their credit rating. Below is a chronology of Sandie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on April 5, 2010
  • Attempt 2) Loan for $24,000.00 on January 21, 2012
  • Attempt 3) Loan for $22,000.00 on June 17, 2010
  • Attempt 4) Loan for $38,000.00 on February 1, 2013
  • Attempt 5) Loan for $24,000.00 on March 13, 2013

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

Most debt consolidation loans range from $23,000.00 to $54,000.00. They are normally used to pay off existing high interest loans like credit cards. Sandie required a debt consolidation loan to pay for their existing personal loan and their payday loan. Sandie was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.2%.

Many other requests for credit have been made by Sandie in the past, including one from Citizens Bank in Farmers Branch, Texas before Sandie was accepted for the $33000 by Centre National Bank-Farmers Branch

Sandie made 5 previous tries to obtain a personal loan, 2 of which were with Citizens Bank, a lending institution in Farmers Branch, Texas known to specialize in personal loans specifically. Before finding Centre National Bank-Farmers Branch, Sandie was desperate due to their inexperience and fair credit score.

Conclusion of Sandie’s personal loan

In the end, Sandie was able to find a personal loan for $33000 with an interest rate of 5.5% interest APR from Centre National Bank-Farmers Branch in Farmers Branch, 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.