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$96000 Quick Loan With Good Credit In Houston Texas

$96000 Quick Loan – Houston Texas, Credit Rating Of 700

  • Experian: 719 – This individual had a good Experian rating
  • Transunion: 687 – Phyllis had a good credit score with Transunion.
  • Equifax: Phyllis’s Experian score was 700, which is a good credit rating using the Experian scale.

Phyllis was declined by First Star Bank, S.S.B. 7 times before being accepted by Clear Lake National Bank at 16211 Space Center Boulevard

On March 28, 2012, Phyllis applied about borrowing $27,000 from First Financial Bank with Juliann, their in law from just outside Houston, and even with the co-signer, Phyllis was rejected for this quick loan. With good credit, it can be challenging to procure financing, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Phyllis for this quick loan of $96000, provided by Clear Lake National Bank

Hello, I am Phyllis and I’m from Houston in Texas. Harris, county is where I grew up, and now I need a quick loan in Texas for $96000 to renovate my home. It has been difficult, but Clear Lake National Bank really came through for me with this loan for 5.4% interest APR and a term of 16 years. I will repay the loan over the 16 year term, including interest. A big thanks to Clear Lake National Bank for trusting me and my good credit. It look me 8 years to create my credit to 700, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.

Several other requests for credit have been made by Phyllis in the past, including one from Star Bank, National Association, Indiana in Houston, Texas before Phyllis was accepted for the $96000 by Clear Lake National Bank

Phyllis made 8 prior attempts to obtain a quick loan, 2 of which were with Star Bank, National Association, Indiana, a bank in Houston, Texas known to specialize in quick loans specifically. Before finding Clear Lake National Bank, Phyllis was very concerned due to their inexperience and good credit rating.

Personal Loan for a nurse practitioner named Phyllis in Houston, Texas to Pay Off First Command Bank Classic Visa

Phyllis had a lot of credit card debt on their Goodyear Credit Card and their First Hawaiian Bank United MileagePlus Business Credit Card, and they were starting to get in over their heads. Despite Phyllis’s job as a nurse practitioner, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

6 Months in the Past, Phyllis Attempted Finding a High Risk Loan for $41,000.00, and it was Hard

There is an well known struggle for borrowers to get high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Phyllis. Phyllis chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit clients. Borrowers with credit scores as low as 501 can inquire for a high risk loan and possibly can be approved.

Before applying for this quick loan, Phyllis had an Experian score of 719, which is good, so Clear Lake National Bank most likely cannot provide Phyllis a quick loan

Experian Score: 719

Client Profile: Phyllis Saltzberg of Houston, Texas
  • Full name (Changed if requested): Phyllis Saltzberg
  • Current Credit: loans.hit.utils.Fico@50040f0c
  • Current City: Houston
  • State: Texas
  • Zip code: 77064
  • Yearly income: $46,000
  • Current Job: nurse practitioner
  • Current County: Harris
  • Goal Yearly Income: $120,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Signature Loan acquired in Houston, Texas for $96000 with good credit by Phyllis

Many clients struggle with obtaining signature loans in Houston, Texas, and Phyllis is not an exception. Phyllis went to 7 lenders or more before settling on Clear Lake National Bank, who offered Phyllis a signature loan for $96000. Most signature loans simply require a client, like Phyllis’s signature to get them, up to $25,000 in some cases. Phyllis was able to get $96000 as a quick loan, which is very high for a quick loan. Since signature loans do not require collateral, these loans tend to need improved credit, as high as 708

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

Fast loans in Houston, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Phyllis. Phyllis was able to find a fast loan for $96000 from First RepublicBank Forney and The Huntsville National Bank, but declined both offers in favor of their quick loan from Clear Lake National Bank. The difference 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 debt consolidation loans. An improvement if you are in a time sensitive situation.

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

Phyllis has always wanted to be a personnel assistant, but would have to attend McIntosh College again to become one. Phyllis has other prospects as well, including loan counselor, library science professor, and medical and scientific illustrator, which pay $51,000 through to $96,000 per year, on average. For this reason, we think that Phyllis can pay for this quick loan of $96000.

Phyllis’s Overall FICO score at the time of acceptance for a quick loan, taking into account their nurse practitioner job and their future job as a personnel assistant

Fico Score: 700

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

Normal debt consolidation loans range from $20,000.00 to $47,000.00. They are typically used to pay off existing high interest loans like credit cards. Phyllis required a debt consolidation loan to pay for their existing quick loan and their payday loan. Phyllis was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 2.6%.

When Phyllis was 18, they attempted to obtain a student loan from 6 different banks, which harmed their credit rating. Below is a list of Phyllis’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on April 5, 2013
  • Attempt 2) Loan for $27,000.00 on May 17, 2010
  • Attempt 3) Loan for $30,000.00 on March 9, 2009
  • Attempt 4) Loan for $37,000.00 on March 2, 2011
  • Attempt 5) Loan for $31,000.00 on February 23, 2013
  • Attempt 6) Loan for $28,000.00 on December 28, 2012

Phyllis’s Transunion score was altered by the quick loan loan, changing to 687 from 700, which is typical in our experience.

Transunion Score: 687

Previous requests on Phyllis’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$26490.00 8 5.2% $337.89 Comerica Bank June 19, 2011
$26390.00 4 5.1% $608.94 First Star Bank, S.S.B. November 13, 2011
$25850.00 9 10.8% $375.23 Brownfield State Bank & Trust Co. February 24, 2014
$26370.00 8 6.4% $351.7 First Bank & Trust, Bryan, Texas May 2, 2014

Contact Details for Clear Lake National Bank, the provider of this quick loan

  • Clear Lake National Bank
  • City: Houston
  • State: Texas
  • Address: 16211 Space Center Boulevard
  • County: Harris
  • Zip code: 77062

Installment loan for Phyllis, a graduate of McIntosh College and a nurse practitioner working for over $72,000 per year

Phyllis, an alumnus at McIntosh College and a nurse practitioner in Houston, Texas needs a quick loan to purchase a car. Phyllis has instead chosen to get an installment loan for $16,000 and is currently seeking lenders like First Star Bank, S.S.B. to process their request.

Conclusion of Phyllis’s quick loan

In the end, Phyllis was able to find a quick loan for $96000 with an interest rate of 10.3% interest APR from Clear Lake National Bank 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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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.