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Emergency Loan For $30000 Near 75125, Texas With A Credit Score Of 700

$30000 Emergency Loan – Ferris Texas, Credit Rating Of 700

  • Experian: 711 – This individual had a good Experian score
  • Transunion: 683 – Norah had a good credit rating with Transunion.
  • Equifax: Norah’s Experian score was 700, which is a good credit score on the Experian scale.

Paraphrased and Standardized Quote from Norah for this emergency loan of $30000, provided by First Consolidated Bank – Ferris

Hi, I am Norah and my hometown is Ferris in Texas. Ellis, county is where I grew up, and now I need a emergency loan in Texas for $30000 to renovate my home. It wasn’t easy, but First Consolidated Bank – Ferris really came through for me with this loan for 6.4% interest APR and a term of 1 years. I can repay the loan over the 1 year term, including interest. A big thanks to First Consolidated Bank – Ferris for giving me a chance and my good credit. It look me 9 years to create my credit to 700, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.

Several other requests for credit have been made by Norah in the past, including one from Norwest Bank Two Harbors, National Association in Ferris, Texas before Norah was approved for the $30000 by First Consolidated Bank – Ferris

Norah made 6 prior attempts to obtain an emergency loan, 2 of which were with Norwest Bank Two Harbors, National Association, a bank in Ferris, Texas known to specialize in emergency loans specifically. Before finding First Consolidated Bank – Ferris, Norah was very concerned due to their inexperience and good credit rating.

7 Months in the Past, Norah Tried Finding a High Risk Loan for $35,000.00, and it was Easy

It is an ongoing struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Norah. Norah decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Individuals with credit scores as low as 361 can apply for a high risk loan and have a chance to be accepted.

Norah’s Transunion score was changed by the emergency loan loan, changing to 683 from 700, which is typical in our experience.

Transunion Score: 683

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $34,000.00 to $52,000.00. They are mainly used to pay off existing high interest loans like credit cards. Norah needed a debt consolidation loan to pay for their existing emergency loan and their credit card. Norah was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.5%.

Before applying for this emergency loan, Norah had an Experian score of 711, which is good, so First Consolidated Bank – Ferris probably cannot provide Norah an emergency loan

Experian Score: 711

When Norah was 22, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit rating. Below is a list of Norah’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on December 8, 2012
  • Attempt 2) Loan for $39,000.00 on August 14, 2012
  • Attempt 3) Loan for $32,000.00 on August 12, 2010
  • Attempt 4) Loan for $25,000.00 on April 26, 2013

Contact Details for First Consolidated Bank – Ferris, the provider of this emergency loan

  • First Consolidated Bank – Ferris
  • City: Ferris
  • State: Texas
  • Address: Main Street
  • County: Ellis
  • Zip code: 75125

Norah’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their nuclear monitoring technician job and their future career as a casino manager

Fico Score: 700

Norah was declined by Vista Bank 7 times prior to being granted funding by First Consolidated Bank – Ferris at Main Street

On March 3, 2012, Norah inquired about borrowing $19,000 from Commercial Bank of Texas, National Association with Jo, their in law from just outside Ferris, and even with the co-signer, Norah was rejected for this emergency loan. With good credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Personal Loan for a nuclear monitoring technician named Norah in Ferris, Texas to Pay Off PenFed Platinum Cash Rewards Visa Card

Norah had a tonne of credit card debt on their Steuben Trust Secured Visa Card and their Celebrity Cruises Visa Signature Credit Card, and they were starting to get in over their heads. Despite Norah’s job as a nuclear monitoring technician, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Signature Loan acquired in Ferris, Texas for $30000 with good credit by Norah

A lot of clients struggle with finding signature loans in Ferris, Texas, and Norah is no exception. Norah went to 5 lending institutions or more before finding First Consolidated Bank – Ferris, who offered Norah a signature loan for $30000. Most signature loans simply require a client, like Norah’s signature to obtain them, up to $36,000 in some cases. Norah was able to get $30000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t require a cosigner, these loans generally require improved credit, as high as 704

Previous requests on Norah’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$46820.00 5 6.2% $909.52 Comerica Bank March 25, 2009
$46760.00 10 11.3% $652.09 First Star Bank, S.S.B. April 29, 2012
$47340.00 10 10.1% $628.23 Brownfield State Bank & Trust Co. September 22, 2012
$47200.00 10 10.6% $639.54 First Bank & Trust, Bryan, Texas October 29, 2012
Client Profile: Norah Frasch of Ferris, Texas
  • Full name (Changed if requested): Norah Frasch
  • Current Credit: loans.hit.utils.Fico@377dca04
  • Current City: Ferris
  • State: Texas
  • Zip code: 75130
  • Yearly income: $52,000
  • Current Job: nuclear monitoring technician
  • Current County: Ellis
  • Goal Yearly Income: $97,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Installment loan for Norah, a graduate of Acacia University and a nuclear monitoring technician working for over $65,000 per year

Norah, an alumnus at Acacia University and a nuclear monitoring technician in Ferris, Texas wants an emergency loan to purchase a house. Norah has instead decided to obtain an installment loan for $15,000 and is at present seeking lenders like The Bank and Trust, S.S.B. to process their request.

Norah has a low current total income, but has a high number of prospects

Norah has always wanted to be a casino manager, but would need attend Acacia University again to achieve it. Norah has other possibilities as well, including casting director, experimental psychologist, and commercial designer, which pay $54,000 through to $105,000 per year, at least. Because of this, we believe that Norah can pay for this emergency loan of $30000.

Fast Loans for Norah in Ferris, Texas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Ferris, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Norah. Norah was able to find a fast loan for $30000 from Arrowhead Bank and First State Bank of Mathis, but turned down both offers in favor of their emergency loan from First Consolidated Bank – Ferris. The improvement 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 improvement in the case that a borrower is in a pinch.

Conclusion of Norah’s emergency loan

In the end, Norah was able to find an emergency loan for $30000 with an interest rate of 8.6% interest APR from First Consolidated Bank – Ferris in Ferris, Texas repayable over 1 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.