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3 Year, Fixed Interest Personal Loan For Joanie In Texas

$54000 Personal Loan – Lubbock Texas, Credit Score Of 616

  • Experian: 635 – They had a good Experian score
  • Transunion: 604 – Joanie had a good credit rating with Transunion.
  • Equifax: Joanie’s Experian score was 616, which is a good credit score with the Experian scale.

Before applying for this personal loan, Joanie had an Experian score of 635, which is good, so Peoples Bank probably cannot provide Joanie a personal loan

Experian Score: 635

Installment loan for Joanie, a graduate of SAE Institute of Technology – Nashville and a title examiner working for over $62,000 per year

Joanie, an alumnus at SAE Institute of Technology – Nashville and a title examiner in Lubbock, Texas wants a personal loan to purchase a car. Joanie has instead chosen to get an installment loan for $1,000 and is at present seeking lenders like The Roscoe State Bank to provide it.

Signature Loan found in Lubbock, Texas for $54000 with good credit by Joanie

Many borrowers struggle with finding signature loans in Lubbock, Texas, and Joanie is no different. Joanie went to 5 lending institutions or more prior to settling on Peoples Bank, who offered Joanie a signature loan for $54000. Typical signature loans simply require a client, like Joanie’s signature to obtain them, up to $24,000 in some cases. Joanie was able to get $54000 as a personal loan, which is very high for a personal loan. Because signature loans don’t require a cosigner, they generally require improved credit, as high as 724

Client Profile: Joanie Tamargo of Lubbock, Texas
  • Full name (Changed if requested): Joanie Tamargo
  • Current Credit: loans.hit.utils.Fico@6d5380c2
  • Current City: Lubbock
  • State: Texas
  • Zip code: 79430
  • Yearly income: $68,000
  • Current Job: title examiner
  • Current County: Lubbock
  • Goal Yearly Income: $101,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

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

Fast loans in Lubbock, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Joanie. Joanie was able to find a fast loan for $54000 from First Bank & Trust, Bryan, Texas and Austin Bank, Rusk, Texas, but turned down both offers in favor of their personal loan from Peoples Bank. 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 5 weeks for personal loans. A big improvement in the case that a client is on the go.

Contact Details for Peoples Bank, the provider of this personal loan

  • Peoples Bank
  • City: Lubbock
  • State: Texas
  • Address: 5820 82nd Street
  • County: Lubbock
  • Zip code: 79424

Personal Loan for a title examiner named Joanie in Lubbock, Texas to Pay Off Carnival FunPoints World MasterCard

Joanie had a lot of credit card debt on their RBC Cathay Pacific Visa Platinum and their Astoria Bank Platinum Edition Visa Card, and they were starting to get in over their heads. Despite Joanie’s job as a title examiner, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $34,000.00 to $57,000.00. They are mainly used to pay off existing high interest loans like credit cards. Joanie required a debt consolidation loan to pay for their existing personal loan and their payday loan. Joanie was able to find a personal loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 3.8%.

6 Months in the Past, Joanie Tried Finding a High Risk Loan for $26,000.00, and it was Hard

It is an existing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Joanie. Joanie decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit borrowers. Individuals with credit scores as low as 417 can apply for a high risk loan and possibly can be accepted.

Joanie has a low current yearly income, but has a high number of prospects

Joanie has always wanted to be a public transportation inspector, but would have to attend SAE Institute of Technology – Nashville again to become one. Joanie has other prospects as well, including insurance estate planner, computer customer support specialist, and funeral director, which pay $53,000 through to $108,000 per year, at least. Because of this, we believe that Joanie can afford this personal loan of $54000.

Joanie’s Transunion score was altered by the personal loan loan, changing to 604 from 616, which is typical in our experience.

Transunion Score: 604

Paraphrased and Standardized Quote from Joanie for this personal loan of $54000, provided by Peoples Bank

Hi, I am Joanie and I’m from Lubbock in Texas. Lubbock, county is where I grew up, and now I need a personal loan in Texas for $54000 to avoid bankruptcy. It has been difficult, but Peoples Bank really came through for me with this loan for 10.2% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to Peoples Bank for trusting me and my good credit. It look me 5 years to create my credit to 616, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.

Joanie was declined by Texas Commerce Bank – Rio Grande Valley, National Association 5 times prior to being approved by Peoples Bank at 5820 82nd Street

On December 15, 2008, Joanie inquired about borrowing $38,000 from Farmers State Bank of Madisonville, Texas with Sally, their friend from just outside Lubbock, and even with the co-signer, Joanie was rejected for this personal loan. With good credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Multiple past requests for credit have been made by Joanie in the past, including one from FirstBank at Buckley/Quincy, National Association in Lubbock, Texas before Joanie was accepted for the $54000 by Peoples Bank

Joanie made 8 previous attempts to obtain a personal loan, 2 of which were with FirstBank at Buckley/Quincy, National Association, a lending institution in Lubbock, Texas known to specialize in personal loans specifically. Before finding Peoples Bank, Joanie was concerned due to their inexperience and good credit score.

Previous requests on Joanie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$100400.00 6 8.1% $1765.24 Comerica Bank May 25, 2010
$100250.00 10 6.6% $1143.43 First Star Bank, S.S.B. September 7, 2011
$100140.00 5 6.2% $1945.31 Brownfield State Bank & Trust Co. March 20, 2012
$100120.00 5 11.3% $2191.86 First Bank & Trust, Bryan, Texas July 7, 2013
$100450.00 9 9.1% $1365.71 First Bank & Trust of Clarendon August 4, 2013

Joanie’s Overall FICO score at the time of acceptance for a personal loan, taking into account their title examiner job and their future job as a public transportation inspector

Fico Score: 616

When Joanie was 20, they tried to obtain a student loan from 4 alternate lenders, which harmed their credit rating. Below is a chronology of Joanie’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on September 21, 2009
  • Attempt 2) Loan for $35,000.00 on January 13, 2013
  • Attempt 3) Loan for $39,000.00 on October 20, 2013
  • Attempt 4) Loan for $23,000.00 on September 19, 2011

Conclusion of Joanie’s personal loan

In the end, Joanie was able to find a personal loan for $54000 with an interest rate of 5.1% interest APR from Peoples Bank in Lubbock, Texas repayable over 3 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.