$148000 Emergency Loan – Houston Texas, Credit Rating Of 819
- Experian: 836 – This individual had an excellent Experian score
- Transunion: 803 – Rachelle had an excellent credit score with Transunion.
- Equifax: Rachelle’s Experian score was 819, which is an excellent credit score with the Experian scale.
Several past requests for credit have been made by Rachelle in the past, including one from The Southern Bank Company in Houston, Texas before Rachelle was accepted for the $148000 by MBank San Felipe, National Association
Rachelle made 6 previous attempts to obtain an emergency loan, 2 of which were with The Southern Bank Company, a lending institution in Houston, Texas known to specialize in emergency loans specifically. Prior to finding MBank San Felipe, National Association, Rachelle was concerned due to their inexperience and excellent credit score.
Before applying for this emergency loan, Rachelle had an Experian score of 836, which is excellent, so MBank San Felipe, National Association likely cannot provide Rachelle an emergency loan
When Rachelle was 22, they attempted to obtain a student loan from 7 alternate lenders, which harmed their credit score. Below is a chronology of Rachelle’s prior attempts at finding a student loan:
- Attempt 1) Loan for $37,000.00 on November 11, 2008
- Attempt 2) Loan for $22,000.00 on October 25, 2013
- Attempt 3) Loan for $38,000.00 on May 13, 2010
- Attempt 4) Loan for $37,000.00 on December 31, 2010
- Attempt 5) Loan for $27,000.00 on July 3, 2009
- Attempt 6) Loan for $35,000.00 on June 15, 2010
- Attempt 7) Loan for $20,000.00 on August 25, 2009
- Full name (Changed if requested): Rachelle Hibshman
- Current Credit: loans.hit.utils.Fico@484b61fc
- Current City: Houston
- State: Texas
- Zip code: 77033
- Yearly income: $51,000
- Current Job: sales floor stock clerk
- Current County: Harris
- Goal Yearly Income: $91,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Rachelle has a disappointing current yearly income, but has a large amount of prospects
Rachelle has always wanted to be a reliability engineer, but would need attend University of Phoenix again to achieve it. Rachelle has other possibilities as well, including area, emergency medical technician, and political scientist, which pay $57,000 through to $93,000 per year, at least. Because of this, we believe that Rachelle can pay for this emergency loan of $148000.
Rachelle’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their sales floor stock clerk job and their future job as a reliability engineer
Installment loan for Rachelle, a graduate of University of Phoenix and a sales floor stock clerk working for over $61,000 per year
Rachelle, an alumnus at University of Phoenix and a sales floor stock clerk in Houston, Texas needs an emergency loan to purchase something frivolous. Rachelle has instead decided to obtain an installment loan for $2,000 and is currently seeking lenders like MBank Greenville, National Association to provide it.
Rachelle was rejected by The Roscoe State Bank 4 times before being accepted by MBank San Felipe, National Association at 5599 San Felipe Street
On December 9, 2013, Rachelle applied about borrowing $21,000 from Guaranty Bank & Trust, N.A. with Josette, their friend from just outside Houston, and even with the co-signer, Rachelle was rejected for this emergency loan. With excellent credit, it can be very hard to procure funding, even with collateral and a co-signer.
Rachelle’s Transunion score was changed by the emergency loan loan, changing to 803 from 819, which is typical in our experience.
Contact Details for MBank San Felipe, National Association, the provider of this emergency loan
- MBank San Felipe, National Association
- City: Houston
- State: Texas
- Address: 5599 San Felipe Street
- County: Harris
- Zip code: 77027
Fast Loans for Rachelle in Houston, Texas to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Houston, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Rachelle. Rachelle was able to find a fast loan for $148000 from The Huntsville National Bank and Citizens State Bank of Dalhart, but turned down both offers in favor of their emergency loan from MBank San Felipe, National Association. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big improvement if you are in a pinch.
Paraphrased and Standardized Quote from Rachelle for this emergency loan of $148000, provided by MBank San Felipe, National Association
Hi, I am Rachelle and my hometown is Houston in Texas. Harris, county is where I grew up, and now I need a emergency loan in Texas for $148000 to renovate my home. It has been difficult, but MBank San Felipe, National Association really came through for me with this loan for 7.4% interest APR and a term of 10 years. I can repay the loan over the 10 year term, including interest. A big thanks to MBank San Felipe, National Association for giving me a chance and my excellent credit. It look me 9 years to build my credit to 819, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.
Previous requests on Rachelle’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$89240.00||9||5.1%||$1032.11||Comerica Bank||May 25, 2010|
|$89190.00||4||6.6%||$2119.25||First Star Bank, S.S.B.||July 13, 2010|
|$88520.00||11||9.1%||$1063.67||Brownfield State Bank & Trust Co.||June 20, 2011|
|$89460.00||9||7.6%||$1146.19||First Bank & Trust, Bryan, Texas||October 9, 2014|
|$89420.00||5||10.3%||$1913.14||First Bank & Trust of Clarendon||May 9, 2015|
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans vary from $30,000.00 to $41,000.00. They are normally used to pay off existing high interest loans like credit cards. Rachelle required a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Rachelle was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.6%.
Signature Loan found in Houston, Texas for $148000 with excellent credit by Rachelle
Most borrowers struggle with obtaining signature loans in Houston, Texas, and Rachelle is no different. Rachelle went to 8 lenders or more prior to finding MBank San Felipe, National Association, who offered Rachelle a signature loan for $148000. Most signature loans simply require a client, like Rachelle’s signature to get them, up to $20,000 in some cases. Rachelle was able to get $148000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t require a cosigner, they generally require higher credit, as high as 739
Personal Loan for a sales floor stock clerk named Rachelle in Houston, Texas to Pay Off Arvest Premier Visa Purchasing Card
Rachelle had a tonne of credit card debt on their QuikTrip Credit Cards and their U.S. Bank College Visa Card, and they were starting to get in over their heads. Despite Rachelle’s job as a sales floor stock clerk, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.
8 Months Ago, Rachelle Tried to Find a High Risk Loan for $29,000.00, and it was Easy
There 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 Rachelle. Rachelle decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit clients. Individuals with credit scores as low as 475 can inquire for a high risk loan and may be be accepted.
Conclusion of Rachelle’s emergency loan
In the end, Rachelle was able to find an emergency loan for $148000 with an interest rate of 11.8% interest APR from MBank San Felipe, National Association in Houston, Texas repayable over 10 years from now.