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Low Rate Consolidation Loan For Willis In El Paso, Texas

$30000 Consolidation Loan – El Paso Texas, Credit Rating Of 712

  • Experian: 726 – They had a good Experian rating
  • Transunion: 697 – Willis had a good credit rating with Transunion.
  • Equifax: Willis’s Experian score was 712, which is a good credit rating on the Experian rating scheme.

When Willis was 24, they tried to obtain a student loan from 7 different banks, which damaged their credit rating. Below is a list of Willis’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on September 15, 2010
  • Attempt 2) Loan for $23,000.00 on May 15, 2011
  • Attempt 3) Loan for $23,000.00 on February 11, 2011
  • Attempt 4) Loan for $30,000.00 on November 22, 2009
  • Attempt 5) Loan for $30,000.00 on April 16, 2011
  • Attempt 6) Loan for $24,000.00 on March 29, 2010
  • Attempt 7) Loan for $28,000.00 on September 29, 2010

8 Months Ago, Willis Attempted Finding a High Risk Loan for $21,000.00, and it was Easy

There is an existing struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Willis. Willis decided not to get a high risk loan this time. High Risk loans are given to terrible credit individuals. Clients with credit scores as low as 321 can inquire for a high risk loan and possibly can be accepted.

Previous requests on Willis’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$93300.00 7 8.2% $1463.51 Comerica Bank January 27, 2011
$92700.00 9 5.4% $1085.63 First Star Bank, S.S.B. October 17, 2012
$92760.00 11 5.4% $933.51 Brownfield State Bank & Trust Co. May 9, 2013
$93240.00 6 11.6% $1803.52 First Bank & Trust, Bryan, Texas February 2, 2014

Paraphrased and Standardized Quote from Willis for this consolidation loan of $30000, provided by Sunwest Bank of El Paso-East National Association

Hi, I am Willis and my hometown is El Paso in Texas. El Paso, county is where I grew up, and now I need a consolidation loan in Texas for $30000 to pay bills. It wasn’t easy, but Sunwest Bank of El Paso-East National Association really came through for me with this loan for 9.4% interest APR and a term of 12 years. I can repay the loan over the 12 year term, including interest. A big thanks to Sunwest Bank of El Paso-East National Association for giving me a chance and my good credit. It look me 8 years to build my credit to 712, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Installment loan for Willis, a graduate of Barton County Community College and an environmental disease analyst working for over $62,000 per year

Willis, an alumnus at Barton County Community College and an environmental disease analyst in El Paso, Texas wants a consolidation loan to purchase a car. Willis has instead chosen to obtain an installment loan for $9,000 and is currently seeking lenders like Silsbee State Bank to process their request.

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

Average debt consolidation loans vary from $25,000.00 to $47,000.00. They are mainly used to pay off existing high interest loans like credit cards. Willis needed a debt consolidation loan to pay for their existing consolidation loan and their credit card. Willis was able to find a consolidation loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.0%.

Willis’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their environmental disease analyst job and their future career as a retail sales department supervisor

Fico Score: 712

Personal Loan for an environmental disease analyst named Willis in El Paso, Texas to Pay Off Bank of Louisiana Credit Cards

Willis had a lot of credit card debt on their PayPal Plus MasterCard and their Goodyear Credit Card, and they were starting to get in over their heads. Despite Willis’s job as an environmental disease analyst, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Willis was rejected by Texas Commerce Bank – Rio Grande Valley, National Association 4 times prior to being granted funding by Sunwest Bank of El Paso-East National Association at 1301 North Lee Trevino Drive

On August 8, 2010, Willis inquired about borrowing $17,000 from Austin Bank, Rusk, Texas with Trina, their in law from just outside El Paso, and even with the co-signer, Willis was rejected for this consolidation loan. With good credit, it can be challenging to procure financing, even with collateral and a co-signer.

Multiple previous requests for credit have been made by Willis in the past, including one from Mercantile Bank in El Paso, Texas before Willis was approved for the $30000 by Sunwest Bank of El Paso-East National Association

Willis made 8 previous attempts to obtain a consolidation loan, 2 of which were with Mercantile Bank, a lending institution in El Paso, Texas known to specialize in consolidation loans specifically. Before finding Sunwest Bank of El Paso-East National Association, Willis was desperate due to their inexperience and good credit rating.

Signature Loan easily acquired in El Paso, Texas for $30000 with good credit by Willis

A lot of clients have difficulty with obtaining signature loans in El Paso, Texas, and Willis is the same. Willis went to 6 lenders or more before settling on Sunwest Bank of El Paso-East National Association, who offered Willis a signature loan for $30000. Most signature loans simply need a client, like Willis’s signature to get them, up to $34,000 in some cases. Willis was able to get $30000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans do not require collateral, these loans tend to require higher credit, as high as 756

Before applying for this consolidation loan, Willis had an Experian score of 726, which is good, so Sunwest Bank of El Paso-East National Association probably cannot provide Willis a consolidation loan

Experian Score: 726

Willis’s Transunion score was altered by the consolidation loan loan, changing to 697 from 712, which is normal in our experience.

Transunion Score: 697

Contact Details for Sunwest Bank of El Paso-East National Association, the provider of this consolidation loan

  • Sunwest Bank of El Paso-East National Association
  • City: El Paso
  • State: Texas
  • Address: 1301 North Lee Trevino Drive
  • County: El Paso
  • Zip code: 79936
Client Profile: Willis Dittbrenner of El Paso, Texas
  • Full name (Changed if requested): Willis Dittbrenner
  • Current Credit: loans.hit.utils.Fico@78e03bb5
  • Current City: El Paso
  • State: Texas
  • Zip code: 79939
  • Yearly income: $36,000
  • Current Job: environmental disease analyst
  • Current County: El Paso
  • Goal Yearly Income: $102,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Willis has a very low current yearly income, but has a high number of prospects

Willis has always wanted to be a retail sales department supervisor, but would need attend Barton County Community College again to achieve it. Willis has other possibilities as well, including social work professor, computer security specialist, and county or city auditor, which pay $50,000 through to $100,000 per year, on average. Because of this, we think that Willis can pay for this consolidation loan of $30000.

Fast Loans for Willis in El Paso, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in El Paso, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Willis. Willis was able to find a fast loan for $30000 from Austin Bank, Rusk, Texas and Brownfield State Bank & Trust Co., but declined both offers in favor of their consolidation loan from Sunwest Bank of El Paso-East National Association. 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 6 weeks for installment loans. A big difference in the case that you are on the go.

Conclusion of Willis’s consolidation loan

In the end, Willis was able to find a consolidation loan for $30000 with an interest rate of 7.2% interest APR from Sunwest Bank of El Paso-East National Association in El Paso, Texas repayable over 12 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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