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Low Rate Unsecured Loan For Lorrine In Fort Bend County, Texas

$96000 Unsecured Loan – Fort Bend County Texas, Credit Rating Of 459

  • Experian: 472 – The client had a bad Experian score
  • Transunion: 443 – Lorrine had a bad credit rating with Transunion.
  • Equifax: Lorrine’s Experian score was 459, which is a bad credit score on the Experian scale.
Client Profile: Lorrine Gueningsman of Fort Bend County, Texas
  • Full name (Changed if requested): Lorrine Gueningsman
  • Current Credit: loans.hit.utils.Fico@4e515669
  • Current City: Fort Bend County
  • State: Texas
  • Zip code: 77485
  • Yearly income: $61,000
  • Current Job: aircraft mechanic
  • Current County: Fort Bend
  • Goal Yearly Income: $139,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

8 Months in the Past, Lorrine Tried Finding a High Risk Loan for $39,000.00, and it was Hard

There is an well known struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Lorrine. Lorrine decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Borrowers with credit scores as low as 440 can inquire for a high risk loan and have a chance to be accepted.

Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $37,000.00 to $49,000.00. They are mainly used to pay off existing high interest loans like credit cards. Lorrine required a debt consolidation loan to pay for their existing unsecured loan and their credit card. Lorrine 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 dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 4.1%.

Lorrine has a very low current gross income, but has a high number of prospects

Lorrine has always wanted to be an electrical parts reconditioner, but would have to attend Orangeburg Calhoun Technical College again to achieve it. Lorrine has other prospects as well, including airport design engineer, benefits manager, and lathe operator, which pay $52,000 through to $99,000 per year, at least. For this reason, we think that Lorrine can pay for this unsecured loan of $96000.

Installment loan for Lorrine, a graduate of Orangeburg Calhoun Technical College and an aircraft mechanic working for over $63,000 per year

Lorrine, an alumnus at Orangeburg Calhoun Technical College and an aircraft mechanic in Fort Bend County, Texas needs an unsecured loan to purchase a house. Lorrine has instead decided to obtain an installment loan for $21,000 and is at present seeking lenders like The Bank and Trust, S.S.B. to process their request.

Contact Details for Texas Commerce Bank – Sugarland, National Association, the provider of this unsecured loan

  • Texas Commerce Bank – Sugarland, National Association
  • City: Fort Bend County
  • State: Texas
  • Address: Main Street
  • County: Fort Bend
  • Zip code: 77478

Multiple other requests for credit have been made by Lorrine in the past, including one from Frontier Bank in Fort Bend County, Texas before Lorrine was approved for the $96000 by Texas Commerce Bank – Sugarland, National Association

Lorrine made 7 previous attempts to obtain an unsecured loan, 2 of which were with Frontier Bank, a lending institution in Fort Bend County, Texas known to specialize in unsecured loans specifically. Before finding Texas Commerce Bank – Sugarland, National Association, Lorrine was desperate due to their inexperience and bad credit rating.

Lorrine’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their aircraft mechanic job and their future career as an electrical parts reconditioner

Fico Score: 459

Fast Loans for Lorrine in Fort Bend County, Texas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Fort Bend County, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Lorrine. Lorrine was able to find a fast loan for $96000 from Commercial State Bank and First Star Bank, S.S.B., but turned down both offers in favor of their unsecured loan from Texas Commerce Bank – Sugarland, National 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 6 weeks for debt consolidation loans. A big difference in the case that a borrower is on the go.

Before applying for this unsecured loan, Lorrine had an Experian score of 472, which is bad, so Texas Commerce Bank – Sugarland, National Association probably cannot provide Lorrine an unsecured loan

Experian Score: 472

Signature Loan acquired in Fort Bend County, Texas for $96000 with bad credit by Lorrine

Most clients have difficulty with finding signature loans in Fort Bend County, Texas, and Lorrine is no different. Lorrine went to 7 lenders or more prior to settling on Texas Commerce Bank – Sugarland, National Association, who offered Lorrine a signature loan for $96000. Typical signature loans simply need a client, like Lorrine’s signature to obtain them, up to $21,000 in some cases. Lorrine was able to get $96000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans do not need a cosigner, they tend to require better credit, as high as 741

Lorrine’s Transunion score was changed by the unsecured loan loan, changing to 443 from 459, which is normal in our experience.

Transunion Score: 443

Previous requests on Lorrine’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$80510.00 5 7.5% $1613.26 Comerica Bank June 22, 2013
$80750.00 10 5.4% $872.35 First Star Bank, S.S.B. August 21, 2013
$81240.00 6 5.7% $1334.91 Brownfield State Bank & Trust Co. September 5, 2014
$80730.00 4 10.8% $2078.68 First Bank & Trust, Bryan, Texas October 20, 2014
$80550.00 11 10.7% $1040.64 First Bank & Trust of Clarendon January 16, 2015

Lorrine was declined by First Community Bank San Antonio, National Association 6 times prior to being accepted by Texas Commerce Bank – Sugarland, National Association at Main Street

On April 13, 2013, Lorrine inquired about borrowing $12,000 from First State Bank of Matador with Brant, their friend from just outside Fort Bend County, and even with the co-signer, Lorrine was rejected for this unsecured loan. With bad credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Personal Loan for an aircraft mechanic named Lorrine in Fort Bend County, Texas to Pay Off America’s First FCU Visa Platinum Plus

Lorrine had a lot of credit card debt on their Express Credit Card Elvis Presley Visa Platinum Rewards Card and their Avenue Credit Card, and they were starting to get in over their heads. Despite Lorrine’s job as an aircraft mechanic, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.

When Lorrine was 23, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit score. Below is a list of Lorrine’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on January 14, 2009
  • Attempt 2) Loan for $38,000.00 on May 7, 2010
  • Attempt 3) Loan for $32,000.00 on August 1, 2012
  • Attempt 4) Loan for $27,000.00 on October 8, 2010
  • Attempt 5) Loan for $21,000.00 on March 10, 2014
  • Attempt 6) Loan for $20,000.00 on March 15, 2009
  • Attempt 7) Loan for $28,000.00 on November 16, 2013

Paraphrased and Standardized Quote from Lorrine for this unsecured loan of $96000, provided by Texas Commerce Bank – Sugarland, National Association

Hello, I am Lorrine and I am from Fort Bend County in Texas. Fort Bend, county is where I grew up, and now I need a unsecured loan in Texas for $96000 to buy a car. It has been difficult, but Texas Commerce Bank – Sugarland, National Association really came through for me with this loan for 10.0% interest APR and a term of 22 years. I can repay the loan over the 22 year term, including interest. A big thanks to Texas Commerce Bank – Sugarland, National Association for trusting me and my bad credit. It look me 7 years to create my credit to 459, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Conclusion of Lorrine’s unsecured loan

In the end, Lorrine was able to find an unsecured loan for $96000 with an interest rate of 5.7% interest APR from Texas Commerce Bank – Sugarland, National Association in Fort Bend County, Texas repayable over 22 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.