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2 Month Auto Loan For Piedad In Tulia Texas

$108000 Auto Loan – Tulia Texas, Credit Rating Of 652

  • Experian: 669 – This individual had a good Experian score
  • Transunion: 636 – Piedad had a good credit rating with Transunion.
  • Equifax: Piedad’s Experian score was 652, which is a good credit score with the Experian system.

Contact Details for First State Bank, the provider of this auto loan

  • First State Bank
  • City: Tulia
  • State: Texas
  • Address: 125 South Austin Street
  • County: Swisher
  • Zip code: 79088

Piedad’s Transunion score was altered by the auto loan loan, changing to 636 from 652, which is normal in our experience.

Transunion Score: 636

Piedad has a sad current yearly income, but has several of prospects

Piedad has always wanted to be a health care facilities inspector, but would need attend Cameron University again to become one. Piedad has other prospects as well, including fine artist, alcohol & drug abuse assistance coordinator, and product planner, which pay $55,000 through to $102,000 per year, on average. For this reason, we believe that Piedad can afford this auto loan of $108000.

Client Profile: Piedad Bob of Tulia, Texas
  • Full name (Changed if requested): Piedad Bob
  • Current Credit: loans.hit.utils.Fico@5b37e0d2
  • Current City: Tulia
  • State: Texas
  • Zip code: 79090
  • Yearly income: $69,000
  • Current Job: personnel administrator
  • Current County: Swisher
  • Goal Yearly Income: $141,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Paraphrased and Standardized Quote from Piedad for this auto loan of $108000, provided by First State Bank

Hi, I am Piedad and my hometown is Tulia in Texas. Swisher, county is where I grew up, and now I need a auto loan in Texas for $108000 to pay bills. It has been difficult, but First State Bank really came through for me with this loan for 11.8% interest APR and a term of 24 years. I will repay the loan over the 24 year term, including interest. A big thanks to First State Bank for giving me a chance and my good credit. It look me 4 years to create my credit to 652, and I won’t harm it any more. I’m pleased with Find Texas Loans for assisting me this far.

Personal Loan for a personnel administrator named Piedad in Tulia, Texas to Pay Off Cincinnati Reds BankAmericard Cash Rewards MasterCard

Piedad had a lot of credit card debt on their Chicago White Sox BankAmericard Cash Rewards MasterCard and their AmTrust Bank Maximum Rewards Visa Card, and they were starting to get in over their heads. Despite Piedad’s job as a personnel administrator, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Fast Loans for Piedad in Tulia, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Tulia, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Piedad. Piedad was able to find a fast loan for $108000 from Guaranty Bank & Trust, N.A. and Farmers State Bank of Madisonville, Texas, but turned down both offers in favor of their auto loan from First State Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement if a client is in a time sensitive situation.

Piedad’s Overall FICO score at the time of acceptance for an auto loan, taking into account their personnel administrator job and their future job as a health care facilities inspector

Fico Score: 652

Several previous requests for credit have been made by Piedad in the past, including one from Bank of Athens in Tulia, Texas before Piedad was accepted for the $108000 by First State Bank

Piedad made 5 prior attempts to obtain an auto loan, 2 of which were with Bank of Athens, a lender in Tulia, Texas known to specialize in auto loans specifically. Prior to finding First State Bank, Piedad was very concerned due to their inexperience and good credit rating.

7 Months Ago, Piedad Tried to Find a High Risk Loan for $31,000.00, but They Didn’t Find What They were Expecting

It is an ongoing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Piedad. Piedad decided not to get a high risk loan this time. High Risk loans are given to very low credit borrowers. Clients with credit scores as low as 464 can apply for a high risk loan and have a chance to be approved.

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

Average debt consolidation loans range from $21,000.00 to $52,000.00. They are mainly used to pay off existing high interest loans like credit cards. Piedad needed a debt consolidation loan to pay for their existing auto loan and their payday loan. Piedad was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your dirty, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 2.3%.

Before applying for this auto loan, Piedad had an Experian score of 669, which is good, so First State Bank likely cannot provide Piedad an auto loan

Experian Score: 669

Installment loan for Piedad, a graduate of Cameron University and a personnel administrator working for over $77,000 per year

Piedad, an alumnus at Cameron University and a personnel administrator in Tulia, Texas wants an auto loan to purchase a new cell phone. Piedad has instead decided to get an installment loan for $4,000 and is currently seeking lenders like Silsbee State Bank to process their request.

Previous requests on Piedad’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$147850.00 11 6.6% $1578.38 Comerica Bank February 2, 2012
$148200.00 6 10.3% $2768.0 First Star Bank, S.S.B. May 31, 2012
$147900.00 6 8.1% $2600.39 Brownfield State Bank & Trust Co. September 21, 2013
$148140.00 11 6.2% $1550.92 First Bank & Trust, Bryan, Texas December 4, 2013

Signature Loan found in Tulia, Texas for $108000 with good credit by Piedad

Many clients have difficulty with finding signature loans in Tulia, Texas, and Piedad is no different. Piedad went to 5 lenders or more before finding First State Bank, who offered Piedad a signature loan for $108000. Most signature loans simply need a client, like Piedad’s signature to obtain them, up to $28,000 in some cases. Piedad was able to get $108000 as a auto loan, which is very high for an auto loan. Because signature loans do not require a cosigner, they generally require better credit, as high as 752

When Piedad was 23, they tried to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a list of Piedad’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on June 15, 2010
  • Attempt 2) Loan for $37,000.00 on July 24, 2009
  • Attempt 3) Loan for $38,000.00 on May 24, 2012
  • Attempt 4) Loan for $30,000.00 on November 2, 2010

Piedad was declined by Comerica Bank 7 times prior to being approved by First State Bank at 125 South Austin Street

On April 10, 2012, Piedad inquired about borrowing $23,000 from Commercial State Bank with Cortez, their in law from just outside Tulia, and even with the co-signer, Piedad was rejected for this auto loan. With good credit, it can be difficult to procure financing, even with collateral and a co-signer.

Conclusion of Piedad’s auto loan

In the end, Piedad was able to find an auto loan for $108000 with an interest rate of 9.7% interest APR from First State Bank in Tulia, Texas repayable over 24 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.