$42000 Auto Loan – Bryan Texas, Credit Rating Of 372
- Experian: 390 – The client had a terrible Experian score
- Transunion: 354 – Antwan had a terrible credit rating with Transunion.
- Equifax: Antwan’s Experian score was 372, which is a terrible credit rating on the Experian rating scheme.
- Full name (Changed if requested): Antwan Roubekas
- Current Credit: loans.hit.utils.Fico@b1bc7ed
- Current City: Bryan
- State: Texas
- Zip code: 77808
- Yearly income: $50,000
- Current Job: legislative assistant
- Current County: Brazos
- Goal Yearly Income: $140,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000
Signature Loan easily acquired in Bryan, Texas for $42000 with terrible credit by Antwan
Many clients struggle with obtaining signature loans in Bryan, Texas, and Antwan is the same. Antwan went to 6 lending institutions or more before finding First Bank & Trust, Bryan, Texas, who offered Antwan a signature loan for $42000. Most signature loans simply require a client, like Antwan’s signature to get them, up to $47,000 in some cases. Antwan was able to get $42000 as a auto loan, which is very high for an auto loan. Since signature loans don’t require collateral, these loans generally require better credit, as high as 783
Antwan has a disappointing current total income, but has a high number of prospects
Antwan has always wanted to be a technological espionage intelligence agent, but would need attend The Art Institute of Philadelphia again to achieve it. Antwan has other prospects as well, including quality control engineer, missing person investigator, and telecommunications technician, which pay $57,000 through to $100,000 per year, on average. For this reason, we believe that Antwan can pay for this auto loan of $42000.
Before applying for this auto loan, Antwan had an Experian score of 390, which is terrible, so First Bank & Trust, Bryan, Texas probably cannot provide Antwan an auto loan
Previous requests on Antwan’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$144590.00||3||9.7%||$4645.17||Comerica Bank||December 12, 2011|
|$145460.00||8||7.5%||$2019.55||First Star Bank, S.S.B.||May 26, 2014|
|$145390.00||11||7.7%||$1636.3||Brownfield State Bank & Trust Co.||February 12, 2015|
|$145160.00||10||6.1%||$1618.87||First Bank & Trust, Bryan, Texas||May 3, 2015|
Antwan was not approved by First Community Bank San Antonio, National Association 6 times prior to being granted funding by First Bank & Trust, Bryan, Texas at 1716 Briarcrest Drive
On November 15, 2013, Antwan inquired about borrowing $41,000 from Commercial Bank of Texas, National Association with Jestine, their in law from just outside Bryan, and even with the co-signer, Antwan was rejected for this auto loan. With terrible credit, it can be very hard to procure funding, even with collateral and a co-signer.
When Antwan was 20, they tried to obtain a student loan from 6 alternate lenders, which damaged their credit rating. Below is a chronology of Antwan’s previous attempts at finding a student loan:
- Attempt 1) Loan for $28,000.00 on November 26, 2013
- Attempt 2) Loan for $34,000.00 on April 26, 2010
- Attempt 3) Loan for $30,000.00 on January 22, 2011
- Attempt 4) Loan for $39,000.00 on August 3, 2009
- Attempt 5) Loan for $22,000.00 on March 15, 2013
- Attempt 6) Loan for $39,000.00 on January 8, 2010
Personal Loan for a legislative assistant named Antwan in Bryan, Texas to Pay Off First Vineyard Prepaid MasterCard
Antwan had a tonne of credit card debt on their UNFCU Elite Credit Card and their Houston Astros BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Antwan’s job as a legislative assistant, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Several past requests for credit have been made by Antwan in the past, including one from DeLand State Bank and Trust in Bryan, Texas before Antwan was approved for the $42000 by First Bank & Trust, Bryan, Texas
Antwan made 4 prior attempts to obtain an auto loan, 2 of which were with DeLand State Bank and Trust, a lending institution in Bryan, Texas known to specialize in auto loans specifically. Prior to finding First Bank & Trust, Bryan, Texas, Antwan was concerned due to their inexperience and terrible credit rating.
9 Months Ago, Antwan Attempted Finding a High Risk Loan for $20,000.00, and it was Hard
It is an ongoing struggle for borrowers 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 Antwan. Antwan decided not to get a high risk loan this time. High Risk loans are given to very low credit applicants. Clients with credit scores as low as 426 can apply for a high risk loan and have a chance to be accepted.
Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans vary from $30,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Antwan needed a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Antwan was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your bad, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.2%.
Antwan’s Overall FICO score at the time of acceptance for an auto loan, taking into account their legislative assistant job and their future career as a technological espionage intelligence agent
Paraphrased and Standardized Quote from Antwan for this auto loan of $42000, provided by First Bank & Trust, Bryan, Texas
Hello, I am Antwan and I’m from Bryan in Texas. Brazos, county is where I grew up, and now I need a auto loan in Texas for $42000 to buy a big ticket item. It has been difficult, but First Bank & Trust, Bryan, Texas really came through for me with this loan for 11.8% interest APR and a term of 23 years. I can repay the loan over the 23 year term, including interest. A big thanks to First Bank & Trust, Bryan, Texas for trusting me and my terrible credit. It look me 6 years to create my credit to 372, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.
Fast Loans for Antwan in Bryan, Texas to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Bryan, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Antwan. Antwan was able to find a fast loan for $42000 from Citizens State Bank of Dalhart and Arrowhead Bank, but turned down both offers in favor of their auto loan from First Bank & Trust, Bryan, Texas. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big difference if you are in a time sensitive situation.
Contact Details for First Bank & Trust, Bryan, Texas, the provider of this auto loan
- First Bank & Trust, Bryan, Texas
- City: Bryan
- State: Texas
- Address: 1716 Briarcrest Drive
- County: Brazos
- Zip code: 77802
Antwan’s Transunion score was altered by the auto loan loan, changing to 354 from 372, which is typical in our experience.
Installment loan for Antwan, a graduate of The Art Institute of Philadelphia and a legislative assistant working for over $69,000 per year
Antwan, an alumnus at The Art Institute of Philadelphia and a legislative assistant in Bryan, Texas needs an auto loan to purchase something frivolous. Antwan has instead chosen to get an installment loan for $18,000 and is currently seeking lenders like First City Bank of Richardson to process their request.
Conclusion of Antwan’s auto loan
In the end, Antwan was able to find an auto loan for $42000 with an interest rate of 5.1% interest APR from First Bank & Trust, Bryan, Texas in Bryan, Texas repayable over 23 years from now.