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Unsecured Loan With Very Low APR In Dallas County, Texas

$26000 Unsecured Loan – Dallas Texas, Credit Score Of 398

  • Experian: 413 – They had a terrible Experian rating
  • Transunion: 379 – Kasi had a terrible credit rating with Transunion.
  • Equifax: Kasi’s Experian score was 398, which is a terrible credit score on the Experian scale.

Previous requests on Kasi’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$38210.00 7 8.5% $605.11 Comerica Bank September 12, 2009
$37700.00 9 5.2% $437.85 First Star Bank, S.S.B. June 7, 2011
$37800.00 5 10.6% $814.34 Brownfield State Bank & Trust Co. December 1, 2012
$38170.00 7 9.7% $627.77 First Bank & Trust, Bryan, Texas January 8, 2014

When Kasi was 22, they attempted to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a chronology of Kasi’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on February 3, 2010
  • Attempt 2) Loan for $29,000.00 on November 17, 2008
  • Attempt 3) Loan for $39,000.00 on December 22, 2009
  • Attempt 4) Loan for $26,000.00 on May 31, 2011
  • Attempt 5) Loan for $29,000.00 on April 26, 2011
  • Attempt 6) Loan for $26,000.00 on July 22, 2009

Kasi’s Transunion score was changed by the unsecured loan loan, changing to 379 from 398, which is normal in our experience.

Transunion Score: 379

Paraphrased and Standardized Quote from Kasi for this unsecured loan of $26000, provided by Highland Park National Bank

Hi, I am Kasi and I’m from Dallas in Texas. Dallas, county is where I grew up, and now I need a unsecured loan in Texas for $26000 to renovate my home. It has been difficult, but Highland Park National Bank really came through for me with this loan for 9.7% interest APR and a term of 2 years. I can repay the loan over the 2 year term, including interest. A big thanks to Highland Park National Bank for giving me a chance and my terrible credit. It look me 8 years to create my credit to 398, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.

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

Average debt consolidation loans vary from $39,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Kasi needed a debt consolidation loan to pay for their existing unsecured loan and their loan shark loan. Kasi was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which transfers your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.8%.

Several past requests for credit have been made by Kasi in the past, including one from Bank One, Janesville, National Association in Dallas, Texas before Kasi was approved for the $26000 by Highland Park National Bank

Kasi made 5 previous attempts to obtain an unsecured loan, 2 of which were with Bank One, Janesville, National Association, a lender in Dallas, Texas known to specialize in unsecured loans specifically. Before finding Highland Park National Bank, Kasi was very concerned due to their inexperience and terrible credit score.

Contact Details for Highland Park National Bank, the provider of this unsecured loan

  • Highland Park National Bank
  • City: Dallas
  • State: Texas
  • Address: 4514 Cole Avenue
  • County: Dallas
  • Zip code: 75205

Kasi was rejected by Guaranty Bank & Trust, N.A. 7 times prior to being approved by Highland Park National Bank at 4514 Cole Avenue

On January 2, 2010, Kasi inquired about borrowing $30,000 from First State Bank of Matador with Caryn, their in law from just outside Dallas, and even with the co-signer, Kasi was rejected for this unsecured loan. With terrible credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Client Profile: Kasi Tyrell of Dallas, Texas
  • Full name (Changed if requested): Kasi Tyrell
  • Current Credit: loans.hit.utils.Fico@64a294a6
  • Current City: Dallas
  • State: Texas
  • Zip code: 75206
  • Yearly income: $69,000
  • Current Job: die cutter operator
  • Current County: Dallas
  • Goal Yearly Income: $122,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Kasi’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their die cutter operator job and their future career as a school nurse

Fico Score: 398

8 Months in the Past, Kasi Attempted to Find a High Risk Loan for $37,000.00, and it was Hard

There is an ongoing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Kasi. Kasi chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit clients. Individuals with credit scores as low as 558 can apply for a high risk loan and may be be accepted.

Personal Loan for a die cutter operator named Kasi in Dallas, Texas to Pay Off University of Pennsylvania

Kasi had a tonne of credit card debt on their Stein Mart Style Credit Card and their Radio Shack Credit Card, and they were starting to get in over their heads. Despite Kasi’s job as a die cutter operator, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Kasi has a sad current gross income, but has several of prospects

Kasi has always wanted to be a school nurse, but would need attend “Rutherford Hospital, Inc.” again to achieve it. Kasi has other possibilities as well, including sales representative, sales representative, and career counselor, which pay $56,000 through to $91,000 per year, at least. For this reason, we believe that Kasi can pay for this unsecured loan of $26000.

Before applying for this unsecured loan, Kasi had an Experian score of 413, which is terrible, so Highland Park National Bank likely cannot provide Kasi an unsecured loan

Experian Score: 413

Installment loan for Kasi, a graduate of “Rutherford Hospital, Inc.” and a die cutter operator working for over $78,000 per year

Kasi, an alumnus at “Rutherford Hospital, Inc.” and a die cutter operator in Dallas, Texas needs an unsecured loan to purchase a new cell phone. Kasi has instead chosen to obtain an installment loan for $24,000 and is at present seeking lenders like Eden State Bank to process their request.

Signature Loan found in Dallas, Texas for $26000 with terrible credit by Kasi

A lot of borrowers struggle with obtaining signature loans in Dallas, Texas, and Kasi is no different. Kasi went to 7 lending institutions or more prior to settling on Highland Park National Bank, who offered Kasi a signature loan for $26000. Most signature loans simply need a client, like Kasi’s signature to obtain them, up to $24,000 in some cases. Kasi was able to get $26000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans do not require a cosigner, these loans generally need improved credit, as high as 769

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

Fast loans in Dallas, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Kasi. Kasi was able to find a fast loan for $26000 from First Bank & Trust of Clarendon and Farmers State Bank of Shiro, Texas, but declined both offers in favor of their unsecured loan from Highland Park National Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if a client is on the go.

Conclusion of Kasi’s unsecured loan

In the end, Kasi was able to find an unsecured loan for $26000 with an interest rate of 8.0% interest APR from Highland Park National Bank in Dallas, Texas repayable over 2 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.