$126000 Same Day Loan – Baytown Texas, Credit Score Of 657
- Experian: 668 – This individual had a good Experian rating
- Transunion: 645 – Nam had a good credit rating with Transunion.
- Equifax: Nam’s Experian score was 657, which is a good credit rating using the Experian scale.
Fast Loans for Nam in Baytown, Texas to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Baytown, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Nam. Nam was able to find a fast loan for $126000 from First State Bank of Matador and Guaranty Bank & Trust Company, but turned down both offers in favor of their same day loan from First RepublicBank Baytown. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. Much better in the case that you are in a time sensitive situation.
Nam’s Overall FICO score at the time of acceptance for a same day loan, taking into account their customer service representative job and their future job as a greenhouse and nursery manager
When Nam was 18, they attempted to obtain a student loan from 5 different lenders, which damaged their credit score. Below is a list of Nam’s prior attempts at finding a student loan:
- Attempt 1) Loan for $20,000.00 on September 26, 2012
- Attempt 2) Loan for $37,000.00 on October 25, 2013
- Attempt 3) Loan for $22,000.00 on December 18, 2008
- Attempt 4) Loan for $26,000.00 on December 12, 2009
- Attempt 5) Loan for $37,000.00 on December 6, 2008
Paraphrased and Standardized Quote from Nam for this same day loan of $126000, provided by First RepublicBank Baytown
Hello, I am Nam and I am from Baytown in Texas. Harris, county is where I grew up, and now I need a same day loan in Texas for $126000 to renovate my home. It has been difficult, but First RepublicBank Baytown really came through for me with this loan for 5.1% interest APR and a term of 10 years. I will repay the loan over the 10 year term, including interest. A big thanks to First RepublicBank Baytown for giving me a chance and my good credit. It look me 7 years to create my credit to 657, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.
Before applying for this same day loan, Nam had an Experian score of 668, which is good, so First RepublicBank Baytown most likely cannot provide Nam a same day loan
Contact Details for First RepublicBank Baytown, the provider of this same day loan
- First RepublicBank Baytown
- City: Baytown
- State: Texas
- Address: 4000 Garth Road
- County: Harris
- Zip code: 77522
Personal Loan for a customer service representative named Nam in Baytown, Texas to Pay Off CFCU Credit Union Visa Chadwicks Fashion Points Visa Card
Nam had a lot of credit card debt on their Synovus Visa Business Platinum Card and their Berkshire Municipal Bank Visa Business Card, and they were starting to get in over their heads. Despite Nam’s job as a customer service representative, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Installment loan for Nam, a graduate of Viterbo University and a customer service representative working for over $69,000 per year
Nam, an alumnus at Viterbo University and a customer service representative in Baytown, Texas needs a same day loan to purchase a house. Nam has instead decided to get an installment loan for $21,000 and is at present seeking lenders like Guaranty Bank & Trust, N.A. to process their request.
8 Months Ago, Nam Attempted Finding a High Risk Loan for $37,000.00, but They Didn’t Find What They were Expecting
It is an existing struggle for clients to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Nam. Nam chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Individuals with credit scores as low as 560 can apply for a high risk loan and have a chance to be approved.
Nam’s Transunion score was altered by the same day loan loan, changing to 645 from 657, which is typical in our experience.
Previous requests on Nam’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $11200.00 | 11 | 5.2% | $111.59 | Comerica Bank | January 10, 2013 |
| $11440.00 | 9 | 7.8% | $147.75 | First Star Bank, S.S.B. | April 24, 2013 |
| $11170.00 | 9 | 6.2% | $135.21 | Brownfield State Bank & Trust Co. | February 27, 2015 |
| $11460.00 | 10 | 5.7% | $125.51 | First Bank & Trust, Bryan, Texas | May 1, 2015 |
| $11290.00 | 3 | 5.2% | $339.39 | First Bank & Trust of Clarendon | July 3, 2015 |
Nam was rejected by The Huntsville National Bank 7 times before being approved by First RepublicBank Baytown at 4000 Garth Road
On February 18, 2013, Nam applied about borrowing $7,000 from Farmers State Bank of Shiro, Texas with Johnson, their in law from just outside Baytown, and even with the co-signer, Nam was rejected for this same day loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.
Signature Loan easily acquired in Baytown, Texas for $126000 with good credit by Nam
Most borrowers struggle with finding signature loans in Baytown, Texas, and Nam is no different. Nam went to 7 lenders or more prior to finding First RepublicBank Baytown, who offered Nam a signature loan for $126000. Typical signature loans simply require a client, like Nam’s signature to get them, up to $36,000 in some cases. Nam was able to get $126000 as a same day loan, which is very high for a same day loan. Since signature loans don’t need collateral, they generally require improved credit, as high as 742
Many other requests for credit have been made by Nam in the past, including one from Kansas State Bank in Baytown, Texas before Nam was accepted for the $126000 by First RepublicBank Baytown
Nam made 4 prior attempts to obtain a same day loan, 2 of which were with Kansas State Bank, a bank in Baytown, Texas known to specialize in same day loans specifically. Prior to finding First RepublicBank Baytown, Nam was concerned due to their inexperience and good credit score.
- Full name (Changed if requested): Nam Incorvaia
- Current Credit: loans.hit.utils.Fico@7106e68e
- Current City: Baytown
- State: Texas
- Zip code: 77530
- Yearly income: $36,000
- Current Job: customer service representative
- Current County: Harris
- Goal Yearly Income: $138,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans range from $23,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Nam required a debt consolidation loan to pay for their existing same day loan and their credit card. Nam was able to find a same day loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your less desirable, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.5%.
Nam has a disappointing current total income, but has several of prospects
Nam has always wanted to be a greenhouse and nursery manager, but would have to attend Viterbo University again to become one. Nam has other prospects as well, including clinical dietitian, armored assault vehicle crew member, and copy writer, which pay $51,000 through to $95,000 per year, on average. For this reason, we believe that Nam can afford this same day loan of $126000.
Conclusion of Nam’s same day loan
In the end, Nam was able to find a same day loan for $126000 with an interest rate of 11.6% interest APR from First RepublicBank Baytown in Baytown, Texas repayable over 10 years from today.
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