$20000 Direct Loan – Childress Texas, Credit Rating Of 638
- Experian: 652 – They had a good Experian score
- Transunion: 621 – Shizuko had a good credit score with Transunion.
- Equifax: Shizuko’s Experian score was 638, which is a good credit score using the Experian scale.
Signature Loan easily acquired in Childress, Texas for $20000 with good credit by Shizuko
Many borrowers have difficulty with finding signature loans in Childress, Texas, and Shizuko is not an exception. Shizuko went to 7 lenders or more prior to finding First Federal Savings and Loan Association, who offered Shizuko a signature loan for $20000. Typical signature loans simply need a client, like Shizuko’s signature to get them, up to $34,000 in some cases. Shizuko was able to get $20000 as a direct loan, which is very high for a direct loan. Because signature loans do not require collateral, these loans generally require improved credit, as high as 716
Installment loan for Shizuko, a graduate of DeVry University and a retail inventory control analyst working for over $78,000 per year
Shizuko, an alumnus at DeVry University and a retail inventory control analyst in Childress, Texas needs a direct loan to purchase a house. Shizuko has instead chosen to obtain an installment loan for $19,000 and is currently seeking lenders like First Community Bank San Antonio, National Association to process their request.
Previous requests on Shizuko’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$36590.00||10||5.6%||$398.91||Comerica Bank||May 6, 2010|
|$37240.00||10||11.2%||$517.21||First Star Bank, S.S.B.||August 13, 2013|
|$37330.00||4||8.2%||$914.84||Brownfield State Bank & Trust Co.||September 27, 2013|
|$37240.00||3||10.3%||$1206.88||First Bank & Trust, Bryan, Texas||March 4, 2015|
|$37430.00||5||5.2%||$709.79||First Bank & Trust of Clarendon||March 13, 2015|
When Shizuko was 18, they tried to obtain a student loan from 7 alternate banks, which harmed their credit score. Below is a list of Shizuko’s previous attempts at finding a student loan:
- Attempt 1) Loan for $28,000.00 on January 8, 2012
- Attempt 2) Loan for $34,000.00 on September 28, 2010
- Attempt 3) Loan for $34,000.00 on March 17, 2009
- Attempt 4) Loan for $22,000.00 on August 11, 2010
- Attempt 5) Loan for $39,000.00 on March 29, 2009
- Attempt 6) Loan for $33,000.00 on March 1, 2009
- Attempt 7) Loan for $20,000.00 on June 28, 2012
Contact Details for First Federal Savings and Loan Association, the provider of this direct loan
- First Federal Savings and Loan Association
- City: Childress
- State: Texas
- Address: 501 Commerce
- County: Childress
- Zip code: 79201
Multiple previous requests for credit have been made by Shizuko in the past, including one from Garrison State Bank and Trust in Childress, Texas before Shizuko was accepted for the $20000 by First Federal Savings and Loan Association
Shizuko made 4 previous tries to obtain a direct loan, 2 of which were with Garrison State Bank and Trust, a lending institution in Childress, Texas known to specialize in direct loans specifically. Prior to finding First Federal Savings and Loan Association, Shizuko was very concerned due to their inexperience and good credit score.
6 Months Ago, Shizuko Attempted Finding a High Risk Loan for $24,000.00, but They Didn’t Find What They were Expecting
It is an well known struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Shizuko. Shizuko decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Individuals with credit scores as low as 524 can apply for a high risk loan and have a chance to be approved.
Paraphrased and Standardized Quote from Shizuko for this direct loan of $20000, provided by First Federal Savings and Loan Association
Hello, I am Shizuko and my hometown is Childress in Texas. Childress, county is where I grew up, and now I need a direct loan in Texas for $20000 to renovate my home. It has been difficult, but First Federal Savings and Loan Association really came through for me with this loan for 10.5% interest APR and a term of 6 years. I can probably repay the loan over the 6 year term, including interest. A big thanks to First Federal Savings and Loan Association for trusting me and my good credit. It look me 5 years to build my credit to 638, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.
Shizuko’s Transunion score was changed by the direct loan loan, changing to 621 from 638, which is normal in our experience.
Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans range from $25,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Shizuko required a debt consolidation loan to pay for their existing direct loan and their payday loan. Shizuko was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.3%.
Before applying for this direct loan, Shizuko had an Experian score of 652, which is good, so First Federal Savings and Loan Association most likely cannot provide Shizuko a direct loan
- Full name (Changed if requested): Shizuko Lindbloom
- Current Credit: loans.hit.utils.Fico@2be94b0f
- Current City: Childress
- State: Texas
- Zip code: 79207
- Yearly income: $65,000
- Current Job: retail inventory control analyst
- Current County: Childress
- Goal Yearly Income: $115,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Shizuko’s Overall FICO score at the time of acceptance for a direct loan, taking into account their retail inventory control analyst job and their future career as a transportation systems design engineer
Personal Loan for a retail inventory control analyst named Shizuko in Childress, Texas to Pay Off America’s First FCU Visa Secured
Shizuko had a lot of credit card debt on their Sportsman’s Warehouse Rewards Visa Card and their EverCard Visa Platinum Credit Card, and they were starting to get in over their heads. Despite Shizuko’s job as a retail inventory control analyst, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Shizuko was rejected by First Bank & Trust, Bryan, Texas 4 times prior to being granted funding by First Federal Savings and Loan Association at 501 Commerce
On July 31, 2010, Shizuko inquired about borrowing $27,000 from The Bank and Trust, S.S.B. with Gidget, their in law from just outside Childress, and even with the co-signer, Shizuko was rejected for this direct loan. With good credit, it can be difficult to obtain funding, even with collateral and a co-signer.
Fast Loans for Shizuko in Childress, Texas to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Childress, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Shizuko. Shizuko was able to find a fast loan for $20000 from Citizens State Bank of Dalhart and First Financial Bank, but declined both offers in favor of their direct loan from First Federal Savings and Loan Association. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big difference in the case that you are on the go.
Shizuko has a sad current gross income, but has several of prospects
Shizuko has always wanted to be a transportation systems design engineer, but would have to attend DeVry University again to achieve it. Shizuko has other possibilities as well, including sports events business manager, computer and information systems manager, and surgeon, which pay $57,000 through to $101,000 per year, at least. Because of this, we believe that Shizuko can pay for this direct loan of $20000.
Conclusion of Shizuko’s direct loan
In the end, Shizuko was able to find a direct loan for $20000 with an interest rate of 7.4% interest APR from First Federal Savings and Loan Association in Childress, Texas repayable over 6 years from now.