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6 Month No Collateral Loan For Romana In Brownsboro Texas

$72000 No Collateral Loan – Brownsboro Texas, Credit Score Of 475

  • Experian: 486 – This individual had a bad Experian score
  • Transunion: 459 – Romana had a bad credit rating with Transunion.
  • Equifax: Romana’s Experian score was 475, which is a bad credit score on the Experian system.

Personal Loan for a commercial diver named Romana in Brownsboro, Texas to Pay Off Chicago White Sox BankAmericard Cash Rewards MasterCard

Romana had a tonne of credit card debt on their American State Bank Visa Card and their Merrill Lynch WCMA Business Access, and they were starting to get in over their heads. Despite Romana’s job as a commercial diver, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Romana’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their commercial diver job and their future career as a social welfare administrator

Fico Score: 475

Installment loan for Romana, a graduate of Southern New Hampshire University and a commercial diver working for over $71,000 per year

Romana, an alumnus at Southern New Hampshire University and a commercial diver in Brownsboro, Texas needs a no collateral loan to purchase something frivolous. Romana has instead chosen to get an installment loan for $10,000 and is currently seeking lenders like First State Bank of Mathis to process their request.

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

  • First State Bank of Brownsboro
  • City: Brownsboro
  • State: Texas
  • Address: 14225 State Hwy 31 E
  • County: Henderson
  • Zip code: 75756

Before applying for this no collateral loan, Romana had an Experian score of 486, which is bad, so First State Bank of Brownsboro probably cannot provide Romana a no collateral loan

Experian Score: 486

Client Profile: Romana Selvig of Brownsboro, Texas
  • Full name (Changed if requested): Romana Selvig
  • Current Credit: loans.hit.utils.Fico@483bf400
  • Current City: Brownsboro
  • State: Texas
  • Zip code: 75764
  • Yearly income: $45,000
  • Current Job: commercial diver
  • Current County: Henderson
  • Goal Yearly Income: $115,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Paraphrased and Standardized Quote from Romana for this no collateral loan of $72000, provided by First State Bank of Brownsboro

Hi, I am Romana and I am from Brownsboro in Texas. Henderson, county is where I grew up, and now I need a no collateral loan in Texas for $72000 to pay bills. It has been difficult, but First State Bank of Brownsboro really came through for me with this loan for 9.6% interest APR and a term of 16 years. I will repay the loan over the 16 year term, including interest. A big thanks to First State Bank of Brownsboro for trusting me and my bad credit. It look me 9 years to create my credit to 475, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Fast Loans for Romana in Brownsboro, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Brownsboro, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Romana. Romana was able to find a fast loan for $72000 from First Community Bank San Antonio, National Association and First State Bank of Matador, but declined both offers in favor of their no collateral loan from First State Bank of Brownsboro. 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 6 weeks for debt consolidation loans. A big improvement if you are in a pinch.

7 Months in the Past, Romana Tried Finding a High Risk Loan for $46,000.00, and it was Hard

It is an existing struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Romana. Romana chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Clients with credit ratings as low as 422 can inquire for a high risk loan and possibly can be accepted.

Romana’s Transunion score was altered by the no collateral loan loan, changing to 459 from 475, which is normal in our experience.

Transunion Score: 459

Previous requests on Romana’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$83580.00 6 5.6% $1369.44 Comerica Bank July 13, 2012
$83620.00 6 11.3% $1604.51 First Star Bank, S.S.B. November 22, 2013
$83840.00 6 7.5% $1449.6 Brownfield State Bank & Trust Co. March 17, 2015
$84110.00 6 7.3% $1446.14 First Bank & Trust, Bryan, Texas August 6, 2015
$83690.00 7 10.8% $1424.19 First Bank & Trust of Clarendon September 11, 2015

Romana was not approved by First RepublicBank Clifton 6 times before being granted funding by First State Bank of Brownsboro at 14225 State Hwy 31 E

On November 10, 2013, Romana applied about borrowing $48,000 from Farmers State Bank of Madisonville, Texas with Lolita, their in law from just outside Brownsboro, and even with the co-signer, Romana was rejected for this no collateral loan. With bad credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Multiple previous requests for credit have been made by Romana in the past, including one from Heber Valley National Bank in Brownsboro, Texas before Romana was accepted for the $72000 by First State Bank of Brownsboro

Romana made 7 previous attempts to obtain a no collateral loan, 2 of which were with Heber Valley National Bank, a lending institution in Brownsboro, Texas known to specialize in no collateral loans specifically. Before finding First State Bank of Brownsboro, Romana was desperate due to their inexperience and bad credit score.

Romana has a sad current yearly income, but has a high number of prospects

Romana has always wanted to be a social welfare administrator, but would have to attend Southern New Hampshire University again to become one. Romana has other possibilities as well, including nurse’s aide, plant manager, and forest fire prevention supervisor, which pay $57,000 through to $109,000 per year, on average. For this reason, we believe that Romana can afford this no collateral loan of $72000.

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $35,000.00 to $46,000.00. They are normally used to pay off existing high interest loans like credit cards. Romana needed a debt consolidation loan to pay for their existing no collateral loan and their loan shark loan. Romana 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 changes your dirty, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.6%.

Signature Loan easily acquired in Brownsboro, Texas for $72000 with bad credit by Romana

A lot of prospective borrowers struggle with finding signature loans in Brownsboro, Texas, and Romana is no different. Romana went to 7 lenders or more prior to finding First State Bank of Brownsboro, who offered Romana a signature loan for $72000. Typical signature loans simply need a client, like Romana’s signature to get them, up to $37,000 in some cases. Romana was able to get $72000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans do not need a cosigner, these loans tend to need better credit, as high as 744

When Romana was 20, they attempted to obtain a student loan from 6 different lenders, which damaged their credit rating. Below is a chronology of Romana’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on April 30, 2011
  • Attempt 2) Loan for $27,000.00 on September 25, 2011
  • Attempt 3) Loan for $26,000.00 on January 23, 2009
  • Attempt 4) Loan for $37,000.00 on December 14, 2009
  • Attempt 5) Loan for $34,000.00 on July 28, 2012
  • Attempt 6) Loan for $24,000.00 on March 16, 2012

Conclusion of Romana’s no collateral loan

In the end, Romana was able to find a no collateral loan for $72000 with an interest rate of 7.1% interest APR from First State Bank of Brownsboro in Brownsboro, Texas repayable over 16 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.