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12 Year, Variable Interest No Collateral Loan For Sergio In Texas

$84000 No Collateral Loan – Carmine Texas, Credit Score Of 446

  • Experian: 457 – This client had a bad Experian score
  • Transunion: 428 – Sergio had a bad credit score with Transunion.
  • Equifax: Sergio’s Experian score was 446, which is a bad credit score with the Experian scale.

Sergio’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their patent agent job and their future career as a parking enforcement officer

Fico Score: 446

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

Sergio has always wanted to be a parking enforcement officer, but would need attend Shenandoah University again to achieve it. Sergio has other possibilities as well, including educational resource coordinator, medical insurance claims analyst, and printmaker, which pay $54,000 through to $108,000 per year, at least. For this reason, we think that Sergio can afford this no collateral loan of $84000.

Contact Details for Carmine State Bank, the provider of this no collateral loan

  • Carmine State Bank
  • City: Carmine
  • State: Texas
  • Address: 235 Centennial Street
  • County: Fayette
  • Zip code: 78932

Paraphrased and Standardized Quote from Sergio for this no collateral loan of $84000, provided by Carmine State Bank

Hello, I am Sergio and I’m from Carmine in Texas. Fayette, county is where I grew up, and now I need a no collateral loan in Texas for $84000 to buy a car. It wasn’t easy, but Carmine State Bank really came through for me with this loan for 6.4% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to Carmine State Bank for giving me a chance and my bad credit. It look me 9 years to build my credit to 446, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Sergio’s Transunion score was changed by the no collateral loan loan, changing to 428 from 446, which is typical in our experience.

Transunion Score: 428

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

Fast loans in Carmine, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Sergio. Sergio was able to find a fast loan for $84000 from First Community Bank San Antonio, National Association and Commercial State Bank, but declined both offers in favor of their no collateral loan from Carmine State Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement in the case that you are on the go.

Before applying for this no collateral loan, Sergio had an Experian score of 457, which is bad, so Carmine State Bank likely cannot provide Sergio a no collateral loan

Experian Score: 457

Signature Loan easily acquired in Carmine, Texas for $84000 with bad credit by Sergio

Most borrowers have difficulty with finding signature loans in Carmine, Texas, and Sergio is the same. Sergio went to 6 lenders or more prior to settling on Carmine State Bank, who offered Sergio a signature loan for $84000. Most signature loans simply require a client, like Sergio’s signature to obtain them, up to $48,000 in some cases. Sergio was able to get $84000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans don’t require a cosigner, they tend to require improved credit, as high as 709

Client Profile: Sergio Vandesande of Carmine, Texas
  • Full name (Changed if requested): Sergio Vandesande
  • Current Credit: loans.hit.utils.Fico@23ab930d
  • Current City: Carmine
  • State: Texas
  • Zip code: 78933
  • Yearly income: $45,000
  • Current Job: patent agent
  • Current County: Fayette
  • Goal Yearly Income: $82,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Sergio was declined by Vista Bank 7 times prior to being granted funding by Carmine State Bank at 235 Centennial Street

On December 11, 2010, Sergio inquired about borrowing $1,000 from Citizens State Bank of Dalhart with Rafaela, their in law from just outside Carmine, and even with the co-signer, Sergio was rejected for this no collateral loan. With bad credit, it can be very hard to obtain financing, even with collateral and a co-signer.

9 Months in the Past, Sergio Attempted Finding a High Risk Loan for $39,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to find 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 Sergio. Sergio chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit individuals. Clients with credit scores as low as 564 can apply for a high risk loan and possibly can be accepted.

When Sergio was 19, they tried to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a chronology of Sergio’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on January 13, 2009
  • Attempt 2) Loan for $33,000.00 on March 5, 2010
  • Attempt 3) Loan for $31,000.00 on April 7, 2011
  • Attempt 4) Loan for $39,000.00 on June 20, 2011

Personal Loan for a patent agent named Sergio in Carmine, Texas to Pay Off MCU Secured Visa

Sergio had a tonne of credit card debt on their Steuben Trust Visa Signature Bonus Rewards Card and their Fulton Bank Visa Platinum Card, and they were starting to get in over their heads. Despite Sergio’s job as a patent agent, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Previous requests on Sergio’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$147330.00 4 6.1% $3466.81 Comerica Bank October 24, 2012
$147190.00 3 6.4% $4504.53 First Star Bank, S.S.B. January 2, 2013
$147350.00 5 7.7% $2966.62 Brownfield State Bank & Trust Co. October 4, 2013
$146900.00 3 8.3% $4623.67 First Bank & Trust, Bryan, Texas November 23, 2013
$147120.00 3 7.3% $4562.85 First Bank & Trust of Clarendon February 11, 2014

Installment loan for Sergio, a graduate of Shenandoah University and a patent agent working for over $77,000 per year

Sergio, an alumnus at Shenandoah University and a patent agent in Carmine, Texas needs a no collateral loan to purchase a car. Sergio has instead decided to get an installment loan for $15,000 and is currently seeking lenders like Commercial Bank of Texas, National Association to process their request.

Several previous requests for credit have been made by Sergio in the past, including one from American State Bank in Carmine, Texas before Sergio was accepted for the $84000 by Carmine State Bank

Sergio made 7 previous tries to obtain a no collateral loan, 2 of which were with American State Bank, a lending institution in Carmine, Texas known to specialize in no collateral loans specifically. Prior to finding Carmine State Bank, Sergio was very concerned due to their inexperience and bad credit score.

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

Average debt consolidation loans vary from $30,000.00 to $59,000.00. They are typically used to pay off existing high interest loans like credit cards. Sergio needed a debt consolidation loan to pay for their existing no collateral loan and their credit card. Sergio was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.6%.

Conclusion of Sergio’s no collateral loan

In the end, Sergio was able to find a no collateral loan for $84000 with an interest rate of 5.3% interest APR from Carmine State Bank in Carmine, Texas repayable over 12 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.