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6 Year High Risk Loan For Lavenia In Beeville Texas

$40000 High Risk Loan – Beeville Texas, Credit Score Of 723

  • Experian: 741 – This individual had an excellent Experian rating
  • Transunion: 707 – Lavenia had an excellent credit rating with Transunion.
  • Equifax: Lavenia’s Experian score was 723, which is an excellent credit score with the Experian rating scheme.

Lavenia’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their bicycle mechanic job and their future career as a securities broker

Fico Score: 723

Fast Loans for Lavenia in Beeville, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Beeville, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Lavenia. Lavenia was able to find a fast loan for $40000 from Brownfield State Bank & Trust Co. and Austin Bank, Rusk, Texas, but turned down both offers in favor of their high risk loan from The First National Bank of Beeville. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference in the case that a client is in a time sensitive situation.

Lavenia was declined by First Financial Bank 4 times prior to being approved by The First National Bank of Beeville at 1400 East Houston Street

On October 1, 2012, Lavenia applied about borrowing $43,000 from First RepublicBank Forney with Carmen, their in law from just outside Beeville, and even with the co-signer, Lavenia was rejected for this high risk loan. With excellent credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Signature Loan found in Beeville, Texas for $40000 with excellent credit by Lavenia

Many prospective borrowers have difficulty with finding signature loans in Beeville, Texas, and Lavenia is no different. Lavenia went to 4 lenders or more prior to finding The First National Bank of Beeville, who offered Lavenia a signature loan for $40000. Typical signature loans simply need a client, like Lavenia’s signature to obtain them, up to $43,000 in some cases. Lavenia was able to get $40000 as a high risk loan, which is very high for a high risk loan. Since signature loans do not need collateral, these loans tend to require better credit, as high as 750

Before applying for this high risk loan, Lavenia had an Experian score of 741, which is excellent, so The First National Bank of Beeville likely cannot provide Lavenia a high risk loan

Experian Score: 741

Lavenia has a disappointing current yearly income, but has several of prospects

Lavenia has always wanted to be a securities broker, but would have to attend Governors State University again to achieve it. Lavenia has other prospects as well, including border patrol agent, budget analyst, and military-enlisted personnel, which pay $55,000 through to $91,000 per year, at least. For this reason, we believe that Lavenia can afford this high risk loan of $40000.

Previous requests on Lavenia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$12440.00 3 11.3% $409.04 Comerica Bank September 28, 2011
$11530.00 6 11.8% $224.22 First Star Bank, S.S.B. March 3, 2013
$12430.00 11 5.7% $126.97 Brownfield State Bank & Trust Co. August 13, 2013
$12210.00 4 7.4% $294.65 First Bank & Trust, Bryan, Texas September 18, 2014
$11730.00 9 6.6% $144.33 First Bank & Trust of Clarendon November 21, 2014

Several previous requests for credit have been made by Lavenia in the past, including one from Century Bank Fort Collins in Beeville, Texas before Lavenia was accepted for the $40000 by The First National Bank of Beeville

Lavenia made 8 previous attempts to obtain a high risk loan, 2 of which were with Century Bank Fort Collins, a lending institution in Beeville, Texas known to specialize in high risk loans specifically. Prior to finding The First National Bank of Beeville, Lavenia was very concerned due to their inexperience and excellent credit rating.

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $36,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Lavenia required a debt consolidation loan to pay for their existing high risk loan and their payday loan. Lavenia was able to find a high risk loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your dirty, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.6%.

Personal Loan for a bicycle mechanic named Lavenia in Beeville, Texas to Pay Off Wyndham Rewards Visa Signature Card

Lavenia had a tonne of credit card debt on their NBT Bank Visa Business Card and their Payoneer CashLynk Prepaid MasterCard, and they were starting to get in over their heads. Despite Lavenia’s job as a bicycle mechanic, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Installment loan for Lavenia, a graduate of Governors State University and a bicycle mechanic working for over $66,000 per year

Lavenia, an alumnus at Governors State University and a bicycle mechanic in Beeville, Texas wants a high risk loan to purchase a new cell phone. Lavenia has instead decided to obtain an installment loan for $20,000 and is at present seeking lenders like Silsbee State Bank to provide it.

Contact Details for The First National Bank of Beeville, the provider of this high risk loan

  • The First National Bank of Beeville
  • City: Beeville
  • State: Texas
  • Address: 1400 East Houston Street
  • County: Bee
  • Zip code: 78102

Lavenia’s Transunion score was altered by the high risk loan loan, changing to 707 from 723, which is typical in our experience.

Transunion Score: 707

Paraphrased and Standardized Quote from Lavenia for this high risk loan of $40000, provided by The First National Bank of Beeville

Hello, I am Lavenia and my hometown is Beeville in Texas. Bee, county is where I grew up, and now I need a high risk loan in Texas for $40000 to avoid bankruptcy. It wasn’t easy, but The First National Bank of Beeville really came through for me with this loan for 8.0% interest APR and a term of 15 years. I can probably repay the loan over the 15 year term, including interest. A big thanks to The First National Bank of Beeville for giving me a chance and my excellent credit. It look me 7 years to build my credit to 723, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Client Profile: Lavenia Stdenis of Beeville, Texas
  • Full name (Changed if requested): Lavenia Stdenis
  • Current Credit: loans.hit.utils.Fico@2f333739
  • Current City: Beeville
  • State: Texas
  • Zip code: 78104
  • Yearly income: $46,000
  • Current Job: bicycle mechanic
  • Current County: Bee
  • Goal Yearly Income: $106,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

When Lavenia was 21, they attempted to obtain a student loan from 7 different lenders, which harmed their credit rating. Below is a list of Lavenia’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on June 22, 2013
  • Attempt 2) Loan for $35,000.00 on February 19, 2010
  • Attempt 3) Loan for $38,000.00 on May 8, 2012
  • Attempt 4) Loan for $22,000.00 on September 4, 2010
  • Attempt 5) Loan for $32,000.00 on September 19, 2009
  • Attempt 6) Loan for $20,000.00 on July 23, 2010
  • Attempt 7) Loan for $20,000.00 on July 7, 2009

6 Months in the Past, Lavenia Tried Finding a High Risk Loan for $45,000.00, and it was Hard

There is an ongoing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Lavenia. Lavenia chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Borrowers with credit scores as low as 565 can inquire for a high risk loan and have a chance to be accepted.

Conclusion of Lavenia’s high risk loan

In the end, Lavenia was able to find a high risk loan for $40000 with an interest rate of 7.1% interest APR from The First National Bank of Beeville in Beeville, Texas repayable over 15 years from today.

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.