$4000 No Collateral Loan – Del Rio Texas, Credit Score Of 307
- Experian: 324 – The client had a terrible Experian score
- Transunion: 290 – Joanna had a terrible credit score with Transunion.
- Equifax: Joanna’s Experian score was 307, which is a terrible credit score with the Experian rating scheme.
Previous requests on Joanna’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$138170.00||3||7.2%||$4278.93||Comerica Bank||July 7, 2009|
|$138210.00||3||10.8%||$4511.74||First Star Bank, S.S.B.||February 24, 2011|
|$138480.00||8||5.7%||$1799.66||Brownfield State Bank & Trust Co.||August 6, 2011|
|$138220.00||9||8.5%||$1835.47||First Bank & Trust, Bryan, Texas||April 6, 2012|
Joanna’s Transunion score was altered by the no collateral loan loan, changing to 290 from 307, which is normal in our experience.
Joanna’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their operations management analyst job and their future career as an anti-terrorism intelligence agent
Signature Loan found in Del Rio, Texas for $4000 with terrible credit by Joanna
A lot of clients struggle with obtaining signature loans in Del Rio, Texas, and Joanna is no different. Joanna went to 5 lending institutions or more before settling on The Bank and Trust, S.S.B., who offered Joanna a signature loan for $4000. Most signature loans simply need a client, like Joanna’s signature to get them, up to $31,000 in some cases. Joanna was able to get $4000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans do not need a cosigner, these loans tend to need higher credit, as high as 766
Several previous requests for credit have been made by Joanna in the past, including one from United Bank and Trust of Madison in Del Rio, Texas before Joanna was approved for the $4000 by The Bank and Trust, S.S.B.
Joanna made 5 previous attempts to obtain a no collateral loan, 2 of which were with United Bank and Trust of Madison, a lender in Del Rio, Texas known to specialize in no collateral loans specifically. Prior to finding The Bank and Trust, S.S.B., Joanna was desperate due to their inexperience and terrible credit rating.
Fast Loans for Joanna in Del Rio, Texas to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Del Rio, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Joanna. Joanna was able to find a fast loan for $4000 from First Financial Bank and First State Bank of Mathis, but turned down both offers in favor of their no collateral loan from The Bank and Trust, S.S.B.. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. An improvement in the case that you are in a pinch.
Joanna has a very low current gross income, but has a large amount of prospects
Joanna has always wanted to be an anti-terrorism intelligence agent, but would need attend Heald College – Central Administrative Office again to achieve it. Joanna has other possibilities as well, including ship pilot, industrial relations specialist, and architecture professor, which pay $59,000 through to $96,000 per year, on average. Because of this, we believe that Joanna can afford this no collateral loan of $4000.
Contact Details for The Bank and Trust, S.S.B., the provider of this no collateral loan
- The Bank and Trust, S.S.B.
- City: Del Rio
- State: Texas
- Address: 1200 Avenue F
- County: Val Verde
- Zip code: 78840
Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans vary from $29,000.00 to $55,000.00. They are mainly used to pay off existing high interest loans like credit cards. Joanna required a debt consolidation loan to pay for their existing no collateral loan and their loan shark loan. Joanna was able to find a no collateral 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 one reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.7%.
Personal Loan for an operations management analyst named Joanna in Del Rio, Texas to Pay Off Meijer Platinum MasterCard Exclusive Benefits
Joanna had a tonne of credit card debt on their Bank of Louisiana Credit Cards and their City National Bank Crystal Visa Infinite Card, and they were starting to get in over their heads. Despite Joanna’s job as an operations management analyst, they struggled to make payments on the $24,000.00 credit card balance, badly needing assistance in the form of a personal loan.
When Joanna was 19, they tried to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a chronology of Joanna’s previous attempts at finding a student loan:
- Attempt 1) Loan for $33,000.00 on June 19, 2010
- Attempt 2) Loan for $24,000.00 on January 27, 2009
- Attempt 3) Loan for $25,000.00 on November 25, 2008
- Attempt 4) Loan for $25,000.00 on December 25, 2010
- Attempt 5) Loan for $36,000.00 on June 25, 2010
- Attempt 6) Loan for $38,000.00 on November 2, 2009
Installment loan for Joanna, a graduate of Heald College – Central Administrative Office and an operations management analyst working for over $69,000 per year
Joanna, an alumnus at Heald College – Central Administrative Office and an operations management analyst in Del Rio, Texas wants a no collateral loan to purchase a car. Joanna has instead decided to get an installment loan for $15,000 and is currently seeking lenders like Eden State Bank to process their request.
Joanna was declined by First State Bank 7 times prior to being approved by The Bank and Trust, S.S.B. at 1200 Avenue F
On October 22, 2011, Joanna inquired about borrowing $17,000 from First City Bank of Richardson with Isaiah, their in law from just outside Del Rio, and even with the co-signer, Joanna was rejected for this no collateral loan. With terrible credit, it can be difficult to obtain funding, even with collateral and a co-signer.
Before applying for this no collateral loan, Joanna had an Experian score of 324, which is terrible, so The Bank and Trust, S.S.B. likely cannot provide Joanna a no collateral loan
- Full name (Changed if requested): Joanna Nwakanma
- Current Credit: loans.hit.utils.Fico@1f17ae12
- Current City: Del Rio
- State: Texas
- Zip code: 78841
- Yearly income: $41,000
- Current Job: operations management analyst
- Current County: Val Verde
- Goal Yearly Income: $135,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Paraphrased and Standardized Quote from Joanna for this no collateral loan of $4000, provided by The Bank and Trust, S.S.B.
Hello, I am Joanna and my hometown is Del Rio in Texas. Val Verde, county is where I grew up, and now I need a no collateral loan in Texas for $4000 to pay bills. It wasn’t easy, but The Bank and Trust, S.S.B. really came through for me with this loan for 11.4% interest APR and a term of 19 years. I will repay the loan over the 19 year term, including interest. A big thanks to The Bank and Trust, S.S.B. for giving me a chance and my terrible credit. It look me 4 years to create my credit to 307, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.
6 Months in the Past, Joanna Attempted Finding a High Risk Loan for $48,000.00, and it was Hard
There is an ongoing struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Joanna. Joanna chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit clients. Individuals with credit ratings as low as 444 can apply for a high risk loan and possibly can be approved.
Conclusion of Joanna’s no collateral loan
In the end, Joanna was able to find a no collateral loan for $4000 with an interest rate of 9.1% interest APR from The Bank and Trust, S.S.B. in Del Rio, Texas repayable over 19 years from today.