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$76000 Unsecured Loan With Terrible Credit In Corpus Christi Texas

$76000 Unsecured Loan – Corpus Christi Texas, Credit Rating Of 366

  • Experian: 378 – This client had a terrible Experian score
  • Transunion: 349 – Romana had a terrible credit score with Transunion.
  • Equifax: Romana’s Experian score was 366, which is a terrible credit rating on the Experian system.
Client Profile: Romana Mccarther of Corpus Christi, Texas
  • Full name (Changed if requested): Romana Mccarther
  • Current Credit: loans.hit.utils.Fico@7382f612
  • Current City: Corpus Christi
  • State: Texas
  • Zip code: 78408
  • Yearly income: $53,000
  • Current Job: motion picture director
  • Current County: Nueces
  • Goal Yearly Income: $99,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Romana was declined by First RepublicBank Forney 7 times before being accepted by First Savings Association at 1660 South Staples

On June 17, 2010, Romana inquired about borrowing $47,000 from Austin Bank, Rusk, Texas with Dee, their in law from just outside Corpus Christi, and even with the co-signer, Romana was rejected for this unsecured loan. With terrible credit, it can be challenging to obtain funding, even with collateral and a co-signer.

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

Average debt consolidation loans vary from $26,000.00 to $46,000.00. They are typically used to pay off existing high interest loans like credit cards. Romana required a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Romana was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.3%.

Before applying for this unsecured loan, Romana had an Experian score of 378, which is terrible, so First Savings Association probably cannot provide Romana an unsecured loan

Experian Score: 378

Fast Loans for Romana in Corpus Christi, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Corpus Christi, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Romana. Romana was able to find a fast loan for $76000 from Farmers State Bank of Madisonville, Texas and The Bank and Trust, S.S.B., but declined both offers in favor of their unsecured loan from First Savings Association. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. Much better if a borrower is in a time sensitive situation.

Romana’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their motion picture director job and their future career as an airline flight control administrator

Fico Score: 366

Contact Details for First Savings Association, the provider of this unsecured loan

  • First Savings Association
  • City: Corpus Christi
  • State: Texas
  • Address: 1660 South Staples
  • County: Nueces
  • Zip code: 78404

When Romana was 22, they attempted to obtain a student loan from 5 different banks, which damaged their credit rating. Below is a chronology of Romana’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on March 19, 2010
  • Attempt 2) Loan for $22,000.00 on January 5, 2010
  • Attempt 3) Loan for $31,000.00 on November 7, 2010
  • Attempt 4) Loan for $34,000.00 on January 6, 2009
  • Attempt 5) Loan for $21,000.00 on January 26, 2011

Personal Loan for a motion picture director named Romana in Corpus Christi, Texas to Pay Off Quantas

Romana had a tonne of credit card debt on their Valero Consumer Credit Card and their AmTrust Bank Maximum Rewards Visa Card, and they were starting to get in over their heads. Despite Romana’s job as a motion picture director, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

8 Months in the Past, Romana Attempted Finding a High Risk Loan for $34,000.00, and it was Easy

There is an existing struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Romana. Romana chose not to get 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 333 can inquire for a high risk loan and may be be accepted.

Signature Loan easily acquired in Corpus Christi, Texas for $76000 with terrible credit by Romana

Many borrowers struggle with obtaining signature loans in Corpus Christi, Texas, and Romana is no exception. Romana went to 4 lending institutions or more prior to settling on First Savings Association, who offered Romana a signature loan for $76000. Typical signature loans simply need a client, like Romana’s signature to obtain them, up to $42,000 in some cases. Romana was able to get $76000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t need a cosigner, these loans generally need higher credit, as high as 773

Paraphrased and Standardized Quote from Romana for this unsecured loan of $76000, provided by First Savings Association

Hello, I am Romana and my hometown is Corpus Christi in Texas. Nueces, county is where I grew up, and now I need a unsecured loan in Texas for $76000 to avoid bankruptcy. It wasn’t easy, but First Savings Association really came through for me with this loan for 11.6% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to First Savings Association for trusting me and my terrible credit. It look me 8 years to create my credit to 366, and I won’t harm it any future. I am pleased with Find Texas Loans for helping me this far.

Installment loan for Romana, a graduate of Paul Mitchell the School – Salt Lake City and a motion picture director working for over $71,000 per year

Romana, an alumnus at Paul Mitchell the School – Salt Lake City and a motion picture director in Corpus Christi, Texas wants an unsecured loan to purchase something frivolous. Romana has instead chosen to get an installment loan for $3,000 and is currently seeking lenders like Austin Bank, Rusk, Texas to process their request.

Many past requests for credit have been made by Romana in the past, including one from Citizens’ Bank, Inc. in Corpus Christi, Texas before Romana was approved for the $76000 by First Savings Association

Romana made 7 previous attempts to obtain an unsecured loan, 2 of which were with Citizens’ Bank, Inc., a bank in Corpus Christi, Texas known to specialize in unsecured loans specifically. Before finding First Savings Association, Romana was very concerned due to their inexperience and terrible credit rating.

Romana’s Transunion score was altered by the unsecured loan loan, changing to 349 from 366, which is normal in our experience.

Transunion Score: 349

Previous requests on Romana’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$77660.00 7 6.8% $1164.52 Comerica Bank August 25, 2011
$78350.00 8 6.3% $1041.11 First Star Bank, S.S.B. January 19, 2012
$78430.00 9 11.3% $1160.15 Brownfield State Bank & Trust Co. March 15, 2013
$78190.00 4 8.8% $1938.34 First Bank & Trust, Bryan, Texas May 15, 2013
$78220.00 3 9.8% $2516.6 First Bank & Trust of Clarendon June 11, 2013

Romana has a very low current total income, but has a high number of prospects

Romana has always wanted to be an airline flight control administrator, but would have to attend Paul Mitchell the School – Salt Lake City again to achieve it. Romana has other possibilities as well, including ordinary seamen, middle school guidance counselor, and computer aided design technician, which pay $56,000 through to $107,000 per year, on average. Because of this, we believe that Romana can pay for this unsecured loan of $76000.

Conclusion of Romana’s unsecured loan

In the end, Romana was able to find an unsecured loan for $76000 with an interest rate of 5.7% interest APR from First Savings Association in Corpus Christi, Texas repayable over 3 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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