$96000 Unsecured Loan – Livingston Texas, Credit Rating Of 794
- Experian: 808 – This individual had an excellent Experian rating
- Transunion: 775 – Elbert had an excellent credit rating with Transunion.
- Equifax: Elbert’s Experian score was 794, which is an excellent credit score on the Experian rating scheme.
9 Months in the Past, Elbert Tried to Find a High Risk Loan for $25,000.00, but They Didn’t Find What They were Expecting
There is an well known struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Elbert. Elbert decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit clients. Individuals with credit scores as low as 372 can apply for a high risk loan and possibly can be approved.
Elbert’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their fire protection engineer job and their future career as a forensics psychologist
Personal Loan for a fire protection engineer named Elbert in Livingston, Texas to Pay Off Chevron Credit Card / Texaco Credit Card
Elbert had a lot of credit card debt on their Gap Visa Card and their US Bank FlexPerks Select Rewards Visa Card, and they were starting to get in over their heads. Despite Elbert’s job as a fire protection engineer, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Signature Loan acquired in Livingston, Texas for $96000 with excellent credit by Elbert
A lot of prospective borrowers have difficulty with finding signature loans in Livingston, Texas, and Elbert is no different. Elbert went to 6 lenders or more before finding Livingston Savings and Loan Association, who offered Elbert a signature loan for $96000. Most signature loans simply need a client, like Elbert’s signature to get them, up to $35,000 in some cases. Elbert was able to get $96000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans don’t need collateral, these loans generally require higher credit, as high as 759
Previous requests on Elbert’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$134680.00||11||10.6%||$1732.22||Comerica Bank||April 1, 2011|
|$134900.00||8||5.3%||$1727.16||First Star Bank, S.S.B.||September 14, 2011|
|$134550.00||6||9.7%||$2472.34||Brownfield State Bank & Trust Co.||March 7, 2012|
|$134640.00||10||6.8%||$1549.44||First Bank & Trust, Bryan, Texas||October 16, 2012|
|$135320.00||4||7.5%||$3271.89||First Bank & Trust of Clarendon||May 27, 2013|
Before applying for this unsecured loan, Elbert had an Experian score of 808, which is excellent, so Livingston Savings and Loan Association most likely cannot provide Elbert an unsecured loan
Fast Loans for Elbert in Livingston, Texas to prevent bankruptcy or harm from debt collectors.
Fast loans in Livingston, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Elbert. Elbert was able to find a fast loan for $96000 from Guaranty Bank & Trust Company and First Star Bank, S.S.B., but declined both offers in favor of their unsecured loan from Livingston Savings and Loan Association. 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 7 weeks for personal loans. A big improvement in the case that a borrower is in a time sensitive situation.
Contact Details for Livingston Savings and Loan Association, the provider of this unsecured loan
- Livingston Savings and Loan Association
- City: Livingston
- State: Texas
- Address: 701 West Church
- County: Polk
- Zip code: 77351
Elbert’s Transunion score was altered by the unsecured loan loan, changing to 775 from 794, which is normal in our experience.
Installment loan for Elbert, a graduate of University of Phoenix and a fire protection engineer working for over $67,000 per year
Elbert, an alumnus at University of Phoenix and a fire protection engineer in Livingston, Texas wants an unsecured loan to purchase a car. Elbert has instead decided to get an installment loan for $25,000 and is at present seeking lenders like First Bank & Trust, Bryan, Texas to process their request.
Many past requests for credit have been made by Elbert in the past, including one from First Federal Savings and Loan Association of Minneapolis in Livingston, Texas before Elbert was accepted for the $96000 by Livingston Savings and Loan Association
Elbert made 5 prior attempts to obtain an unsecured loan, 2 of which were with First Federal Savings and Loan Association of Minneapolis, a lender in Livingston, Texas known to specialize in unsecured loans specifically. Prior to finding Livingston Savings and Loan Association, Elbert was very concerned due to their inexperience and excellent credit score.
- Full name (Changed if requested): Elbert Diener
- Current Credit: loans.hit.utils.Fico@5fcfe4b2
- Current City: Livingston
- State: Texas
- Zip code: 77352
- Yearly income: $60,000
- Current Job: fire protection engineer
- Current County: Polk
- Goal Yearly Income: $80,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000
Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans vary from $25,000.00 to $45,000.00. They are mainly used to pay off existing high interest loans like credit cards. Elbert required a debt consolidation loan to pay for their existing unsecured loan and their credit card. Elbert was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which converts your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.0%.
Elbert has a low current yearly income, but has several of prospects
Elbert has always wanted to be a forensics psychologist, but would need attend University of Phoenix again to achieve it. Elbert has other possibilities as well, including insurance claims adjuster, graphic designer, and chemical equipment operator, which pay $51,000 through to $93,000 per year, on average. Because of this, we believe that Elbert can afford this unsecured loan of $96000.
Paraphrased and Standardized Quote from Elbert for this unsecured loan of $96000, provided by Livingston Savings and Loan Association
Hello, I am Elbert and I am from Livingston in Texas. Polk, county is where I grew up, and now I need a unsecured loan in Texas for $96000 to avoid bankruptcy. It wasn’t easy, but Livingston Savings and Loan Association really came through for me with this loan for 5.6% interest APR and a term of 17 years. I can probably repay the loan over the 17 year term, including interest. A big thanks to Livingston Savings and Loan Association for giving me a chance and my excellent credit. It look me 7 years to build my credit to 794, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.
When Elbert was 23, they tried to obtain a student loan from 6 different lenders, which damaged their credit score. Below is a list of Elbert’s previous attempts at finding a student loan:
- Attempt 1) Loan for $26,000.00 on June 21, 2009
- Attempt 2) Loan for $33,000.00 on December 15, 2010
- Attempt 3) Loan for $25,000.00 on January 15, 2011
- Attempt 4) Loan for $39,000.00 on October 22, 2008
- Attempt 5) Loan for $28,000.00 on December 24, 2011
- Attempt 6) Loan for $20,000.00 on June 17, 2009
Elbert was not approved by Commercial Bank of Texas, National Association 6 times prior to being granted funding by Livingston Savings and Loan Association at 701 West Church
On February 21, 2012, Elbert applied about borrowing $46,000 from Commercial State Bank with Elane, their friend from just outside Livingston, and even with the co-signer, Elbert was rejected for this unsecured loan. With excellent credit, it can be difficult to obtain financing, even with collateral and a co-signer.
Conclusion of Elbert’s unsecured loan
In the end, Elbert was able to find an unsecured loan for $96000 with an interest rate of 9.1% interest APR from Livingston Savings and Loan Association in Livingston, Texas repayable over 17 years from now.