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$48000 Debt Consolidation Loan In Edinburg Texas With Credit Score 368 For Ramonita

$48000 Debt Consolidation Loan – Edinburg Texas, Credit Rating Of 368

  • Experian: 383 – The client had a terrible Experian score
  • Transunion: 350 – Ramonita had a terrible credit rating with Transunion.
  • Equifax: Ramonita’s Experian score was 368, which is a terrible credit score with the Experian system.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $37,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Ramonita needed a debt consolidation loan to pay for their existing debt consolidation loan and their credit card. Ramonita was able to find a debt consolidation loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.7%.

Ramonita’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their correction officer job and their future job as a travel writer

Fico Score: 368

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

  • Attempt 1) Loan for $27,000.00 on September 15, 2009
  • Attempt 2) Loan for $27,000.00 on October 25, 2010
  • Attempt 3) Loan for $37,000.00 on June 2, 2010
  • Attempt 4) Loan for $23,000.00 on June 23, 2009
  • Attempt 5) Loan for $26,000.00 on September 22, 2010
  • Attempt 6) Loan for $29,000.00 on December 18, 2011

Ramonita has a disappointing current total income, but has a large amount of prospects

Ramonita has always wanted to be a travel writer, but would have to attend Park University again to achieve it. Ramonita has other possibilities as well, including pediatrician, irrigation engineer, and radiologic technologist, which pay $51,000 through to $109,000 per year, at least. For this reason, we think that Ramonita can pay for this debt consolidation loan of $48000.

Paraphrased and Standardized Quote from Ramonita for this debt consolidation loan of $48000, provided by NBC Bank-Edinburg

Hi, I am Ramonita and I’m from Edinburg in Texas. Hidalgo, county is where I grew up, and now I need a debt consolidation loan in Texas for $48000 to buy a car. It has been difficult, but NBC Bank-Edinburg really came through for me with this loan for 10.1% interest APR and a term of 8 years. I will repay the loan over the 8 year term, including interest. A big thanks to NBC Bank-Edinburg for giving me a chance and my terrible credit. It look me 7 years to build my credit to 368, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Fast Loans for Ramonita in Edinburg, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Edinburg, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Ramonita. Ramonita was able to find a fast loan for $48000 from First Bank & Trust, Bryan, Texas and First Financial Bank, but declined both offers in favor of their debt consolidation loan from NBC Bank-Edinburg. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference in the case that you are in a pinch.

Signature Loan found in Edinburg, Texas for $48000 with terrible credit by Ramonita

Most clients struggle with finding signature loans in Edinburg, Texas, and Ramonita is not an exception. Ramonita went to 4 lending institutions or more prior to settling on NBC Bank-Edinburg, who offered Ramonita a signature loan for $48000. Typical signature loans simply require a client, like Ramonita’s signature to get them, up to $35,000 in some cases. Ramonita was able to get $48000 as a debt consolidation loan, which is very high for a debt consolidation loan. Because signature loans don’t need a cosigner, they generally need better credit, as high as 799

Multiple past requests for credit have been made by Ramonita in the past, including one from State Savings and Loan Association in Edinburg, Texas before Ramonita was accepted for the $48000 by NBC Bank-Edinburg

Ramonita made 8 prior attempts to obtain a debt consolidation loan, 2 of which were with State Savings and Loan Association, a lender in Edinburg, Texas known to specialize in debt consolidation loans specifically. Prior to finding NBC Bank-Edinburg, Ramonita was concerned due to their inexperience and terrible credit score.

Contact Details for NBC Bank-Edinburg, the provider of this debt consolidation loan

  • NBC Bank-Edinburg
  • City: Edinburg
  • State: Texas
  • Address: 100 East Cano Street
  • County: Hidalgo
  • Zip code: 78539

Ramonita’s Transunion score was changed by the debt consolidation loan loan, changing to 350 from 368, which is typical in our experience.

Transunion Score: 350

Previous requests on Ramonita’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$114420.00 4 9.4% $2869.13 Comerica Bank April 14, 2010
$113810.00 10 7.2% $1333.19 First Star Bank, S.S.B. July 20, 2012
$113710.00 9 5.2% $1320.63 Brownfield State Bank & Trust Co. November 3, 2013
$113680.00 4 7.5% $2748.66 First Bank & Trust, Bryan, Texas August 15, 2014
$114430.00 7 8.6% $1817.93 First Bank & Trust of Clarendon March 3, 2015

Personal Loan for a correction officer named Ramonita in Edinburg, Texas to Pay Off Brooks Brothers Credit Card

Ramonita had a tonne of credit card debt on their Jeff Bank Visa Platinum Card and their Tampa Bay Rays BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Ramonita’s job as a correction officer, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

9 Months Ago, Ramonita Attempted to Find a High Risk Loan for $40,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Ramonita. Ramonita chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Individuals with credit ratings as low as 440 can apply for a high risk loan and possibly can be approved.

Ramonita was rejected by First Star Bank, S.S.B. 5 times before being granted funding by NBC Bank-Edinburg at 100 East Cano Street

On July 26, 2010, Ramonita applied about borrowing $29,000 from First State Bank of Mathis with Jeanna, their friend from just outside Edinburg, and even with the co-signer, Ramonita was rejected for this debt consolidation loan. With terrible credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Before applying for this debt consolidation loan, Ramonita had an Experian score of 383, which is terrible, so NBC Bank-Edinburg probably cannot provide Ramonita a debt consolidation loan

Experian Score: 383

Installment loan for Ramonita, a graduate of Park University and a correction officer working for over $63,000 per year

Ramonita, an alumnus at Park University and a correction officer in Edinburg, Texas needs a debt consolidation loan to purchase a house. Ramonita has instead decided to obtain an installment loan for $20,000 and is at present seeking lenders like Commercial State Bank to process their request.

Client Profile: Ramonita Aschenbrener of Edinburg, Texas
  • Full name (Changed if requested): Ramonita Aschenbrener
  • Current Credit: loans.hit.utils.Fico@769c9116
  • Current City: Edinburg
  • State: Texas
  • Zip code: 78548
  • Yearly income: $48,000
  • Current Job: correction officer
  • Current County: Hidalgo
  • Goal Yearly Income: $131,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Conclusion of Ramonita’s debt consolidation loan

In the end, Ramonita was able to find a debt consolidation loan for $48000 with an interest rate of 9.5% interest APR from NBC Bank-Edinburg in Edinburg, Texas repayable over 8 years from today.

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.