$132000 High Risk Loan – Mount Pleasant Texas, Credit Score Of 352
- Experian: 367 – The client had a terrible Experian score
- Transunion: 333 – Numbers had a terrible credit rating with Transunion.
- Equifax: Numbers’s Experian score was 352, which is a terrible credit rating with the Experian rating scheme.
Contact Details for The American National Bank of Mount Pleasant, the provider of this high risk loan
- The American National Bank of Mount Pleasant
- City: Mount Pleasant
- State: Texas
- Address: 301 South Madison Avenue
- County: Titus
- Zip code: 75455
Numbers was declined by First State Bank 7 times prior to being accepted by The American National Bank of Mount Pleasant at 301 South Madison Avenue
On January 21, 2011, Numbers inquired about borrowing $15,000 from Comerica Bank with Harland, their friend from just outside Mount Pleasant, and even with the co-signer, Numbers was rejected for this high risk loan. With terrible credit, it can be challenging to obtain funding, even with collateral and a co-signer.
- Full name (Changed if requested): Numbers Demaria
- Current Credit: loans.hit.utils.Fico@133314b
- Current City: Mount Pleasant
- State: Texas
- Zip code: 75461
- Yearly income: $54,000
- Current Job: physical therapist
- Current County: Titus
- Goal Yearly Income: $86,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Numbers’s Transunion score was altered by the high risk loan loan, changing to 333 from 352, which is normal in our experience.
Fast Loans for Numbers in Mount Pleasant, Texas to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Mount Pleasant, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Numbers. Numbers was able to find a fast loan for $132000 from First City Bank of Richardson and The Roscoe State Bank, but turned down both offers in favor of their high risk loan from The American National Bank of Mount Pleasant. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big difference in the case that a client is in a time sensitive situation.
Many other requests for credit have been made by Numbers in the past, including one from First State Bank in Mount Pleasant, Texas before Numbers was accepted for the $132000 by The American National Bank of Mount Pleasant
Numbers made 8 prior attempts to obtain a high risk loan, 2 of which were with First State Bank, a lending institution in Mount Pleasant, Texas known to specialize in high risk loans specifically. Before finding The American National Bank of Mount Pleasant, Numbers was concerned due to their inexperience and terrible credit rating.
Paraphrased and Standardized Quote from Numbers for this high risk loan of $132000, provided by The American National Bank of Mount Pleasant
Hi, I am Numbers and my hometown is Mount Pleasant in Texas. Titus, county is where I grew up, and now I need a high risk loan in Texas for $132000 to avoid bankruptcy. It has been difficult, but The American National Bank of Mount Pleasant really came through for me with this loan for 5.5% interest APR and a term of 22 years. I will repay the loan over the 22 year term, including interest. A big thanks to The American National Bank of Mount Pleasant for giving me a chance and my terrible credit. It look me 7 years to create my credit to 352, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for helping me this far.
Signature Loan easily acquired in Mount Pleasant, Texas for $132000 with terrible credit by Numbers
Many clients have difficulty with finding signature loans in Mount Pleasant, Texas, and Numbers is no different. Numbers went to 6 lenders or more before finding The American National Bank of Mount Pleasant, who offered Numbers a signature loan for $132000. Typical signature loans simply need a client, like Numbers’s signature to obtain them, up to $49,000 in some cases. Numbers was able to get $132000 as a high risk loan, which is very high for a high risk loan. Because signature loans don’t need a cosigner, these loans generally need improved credit, as high as 746
Numbers’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their physical therapist job and their future career as an agricultural product sorter
Before applying for this high risk loan, Numbers had an Experian score of 367, which is terrible, so The American National Bank of Mount Pleasant probably cannot provide Numbers a high risk loan
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $37,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Numbers required a debt consolidation loan to pay for their existing high risk loan and their loan shark loan. Numbers was able to find a high risk loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.6%.
When Numbers was 24, they attempted to obtain a student loan from 4 different banks, which harmed their credit rating. Below is a list of Numbers’s previous attempts at finding a student loan:
- Attempt 1) Loan for $39,000.00 on May 31, 2012
- Attempt 2) Loan for $31,000.00 on September 19, 2010
- Attempt 3) Loan for $20,000.00 on August 9, 2012
- Attempt 4) Loan for $35,000.00 on April 17, 2012
Personal Loan for a physical therapist named Numbers in Mount Pleasant, Texas to Pay Off BMW Platinum Rewards Visa Card
Numbers had a tonne of credit card debt on their Fulton Bank Visa Business Card and their , and they were starting to get in over their heads. Despite Numbers’s job as a physical therapist, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
7 Months Ago, Numbers Attempted Finding a High Risk Loan for $27,000.00, and it was Hard
It is an ongoing struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Numbers. Numbers chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit borrowers. Clients with credit ratings as low as 413 can apply for a high risk loan and may be be approved.
Previous requests on Numbers’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$79610.00||6||10.3%||$1486.91||Comerica Bank||November 18, 2012|
|$79820.00||10||9.5%||$1032.85||First Star Bank, S.S.B.||May 10, 2014|
|$79610.00||9||5.6%||$940.11||Brownfield State Bank & Trust Co.||December 6, 2014|
|$79810.00||9||9.6%||$1106.41||First Bank & Trust, Bryan, Texas||January 23, 2015|
Installment loan for Numbers, a graduate of Lesley University and a physical therapist working for over $71,000 per year
Numbers, an alumnus at Lesley University and a physical therapist in Mount Pleasant, Texas wants a high risk loan to purchase a car. Numbers has instead chosen to get an installment loan for $10,000 and is currently seeking lenders like First Consolidated Bank – Ferris to process their request.
Numbers has a sad current total income, but has several of prospects
Numbers has always wanted to be an agricultural product sorter, but would need attend Lesley University again to become one. Numbers has other possibilities as well, including labor relations advisor, insurance lawyer, and industrial waste inspector, which pay $51,000 through to $99,000 per year, on average. Because of this, we think that Numbers can pay for this high risk loan of $132000.
Conclusion of Numbers’s high risk loan
In the end, Numbers was able to find a high risk loan for $132000 with an interest rate of 5.1% interest APR from The American National Bank of Mount Pleasant in Mount Pleasant, Texas repayable over 22 years from now.