$64000 Same Day Loan – Nacogdoches Texas, Credit Score Of 480
- Experian: 493 – This client had a bad Experian rating
- Transunion: 463 – Clotilde had a bad credit rating with Transunion.
- Equifax: Clotilde’s Experian score was 480, which is a bad credit score using the Experian rating scheme.
Paraphrased and Standardized Quote from Clotilde for this same day loan of $64000, provided by Superior Federal Savings Bank
Hi, I am Clotilde and my hometown is Nacogdoches in Texas. Nacogdoches, county is where I grew up, and now I need a same day loan in Texas for $64000 to buy a car. It has been difficult, but Superior Federal Savings Bank really came through for me with this loan for 8.8% interest APR and a term of 16 years. I will repay the loan over the 16 year term, including interest. A big thanks to Superior Federal Savings Bank for giving me a chance and my bad credit. It look me 9 years to build my credit to 480, and I won’t tarnish it any more. I am happy with Find Texas Loans for assisting me this far.
Clotilde was rejected by Guaranty Bank & Trust Company 5 times before being accepted by Superior Federal Savings Bank at 118 East Hospital Street
On February 20, 2009, Clotilde applied about borrowing $16,000 from Vista Bank with Britany, their in law from just outside Nacogdoches, and even with the co-signer, Clotilde was rejected for this same day loan. With bad credit, it can be difficult to procure financing, even with collateral and a co-signer.
Clotilde’s Transunion score was altered by the same day loan loan, changing to 463 from 480, which is typical in our experience.
Signature Loan acquired in Nacogdoches, Texas for $64000 with bad credit by Clotilde
Many clients struggle with obtaining signature loans in Nacogdoches, Texas, and Clotilde is no exception. Clotilde went to 8 lending institutions or more prior to finding Superior Federal Savings Bank, who offered Clotilde a signature loan for $64000. Typical signature loans simply require a client, like Clotilde’s signature to get them, up to $25,000 in some cases. Clotilde was able to get $64000 as a same day loan, which is very high for a same day loan. Because signature loans do not need collateral, they generally need better credit, as high as 705
Before applying for this same day loan, Clotilde had an Experian score of 493, which is bad, so Superior Federal Savings Bank most likely cannot provide Clotilde a same day loan
Previous requests on Clotilde’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$90860.00||7||5.7%||$1314.3||Comerica Bank||January 17, 2010|
|$90570.00||10||10.4%||$1217.04||First Star Bank, S.S.B.||July 9, 2010|
|$91130.00||8||8.7%||$1320.93||Brownfield State Bank & Trust Co.||November 14, 2010|
|$91300.00||8||10.8%||$1424.35||First Bank & Trust, Bryan, Texas||December 17, 2012|
|$90880.00||3||9.5%||$2911.15||First Bank & Trust of Clarendon||January 18, 2014|
Clotilde has a very low current gross income, but has a high number of prospects
Clotilde has always wanted to be a computer security specialist, but would have to attend Minnesota State University – Moorhead again to achieve it. Clotilde has other possibilities as well, including obstetrician, systems analyst, and fund raiser, which pay $53,000 through to $104,000 per year, at least. For this reason, we think that Clotilde can afford this same day loan of $64000.
Installment loan for Clotilde, a graduate of Minnesota State University – Moorhead and a boat builder working for over $74,000 per year
Clotilde, an alumnus at Minnesota State University – Moorhead and a boat builder in Nacogdoches, Texas needs a same day loan to purchase a car. Clotilde has instead chosen to get an installment loan for $28,000 and is currently seeking lenders like First Consolidated Bank – Ferris to provide it.
Personal Loan for a boat builder named Clotilde in Nacogdoches, Texas to Pay Off Popular Community Bank SET MasterCard
Clotilde had a lot of credit card debt on their NBT Bank Visa Business Bonus Rewards PLUS Card and their Sierra Trading Post Rewards Visa, and they were starting to get in over their heads. Despite Clotilde’s job as a boat builder, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Contact Details for Superior Federal Savings Bank, the provider of this same day loan
- Superior Federal Savings Bank
- City: Nacogdoches
- State: Texas
- Address: 118 East Hospital Street
- County: Nacogdoches
- Zip code: 75961
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Average debt consolidation loans range from $31,000.00 to $44,000.00. They are typically used to pay off existing high interest loans like credit cards. Clotilde needed a debt consolidation loan to pay for their existing same day loan and their loan shark loan. Clotilde was able to find a same day loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.3%.
When Clotilde was 24, they tried to obtain a student loan from 7 alternate lenders, which harmed their credit score. Below is a chronology of Clotilde’s prior attempts at finding a student loan:
- Attempt 1) Loan for $39,000.00 on May 18, 2011
- Attempt 2) Loan for $37,000.00 on December 2, 2008
- Attempt 3) Loan for $35,000.00 on January 16, 2011
- Attempt 4) Loan for $24,000.00 on June 3, 2013
- Attempt 5) Loan for $20,000.00 on March 12, 2011
- Attempt 6) Loan for $21,000.00 on February 22, 2011
- Attempt 7) Loan for $34,000.00 on December 30, 2008
6 Months Ago, Clotilde Attempted to Find a High Risk Loan for $30,000.00, and it was Easy
It is an well known struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Clotilde. Clotilde decided not to obtain a high risk loan this time. High Risk loans are given to terrible credit clients. Clients with credit ratings as low as 303 can apply for a high risk loan and have a chance to be approved.
Many previous requests for credit have been made by Clotilde in the past, including one from Bank of Ste. Genevieve in Nacogdoches, Texas before Clotilde was accepted for the $64000 by Superior Federal Savings Bank
Clotilde made 8 previous attempts to obtain a same day loan, 2 of which were with Bank of Ste. Genevieve, a lender in Nacogdoches, Texas known to specialize in same day loans specifically. Before finding Superior Federal Savings Bank, Clotilde was concerned due to their inexperience and bad credit score.
- Full name (Changed if requested): Clotilde Mcmannus
- Current Credit: loans.hit.utils.Fico@5fcfe4b2
- Current City: Nacogdoches
- State: Texas
- Zip code: 75968
- Yearly income: $54,000
- Current Job: boat builder
- Current County: Nacogdoches
- Goal Yearly Income: $128,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000
Fast Loans for Clotilde in Nacogdoches, Texas to prevent bankruptcy or harm from debt collectors.
Fast loans in Nacogdoches, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Clotilde. Clotilde was able to find a fast loan for $64000 from Farmers State Bank of Madisonville, Texas and First State Bank, but declined both offers in favor of their same day loan from Superior Federal Savings Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better in the case that you are in a pinch.
Clotilde’s Overall FICO score at the time of acceptance for a same day loan, taking into account their boat builder job and their future job as a computer security specialist
Conclusion of Clotilde’s same day loan
In the end, Clotilde was able to find a same day loan for $64000 with an interest rate of 9.5% interest APR from Superior Federal Savings Bank in Nacogdoches, Texas repayable over 16 years from today.