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Signature Loan Of $24000 For Excellent Credit Texas Resident

$24000 Signature Loan – Gun Barrel City Texas, Credit Score Of 750

  • Experian: 766 – They had an excellent Experian score
  • Transunion: 738 – Randall had an excellent credit rating with Transunion.
  • Equifax: Randall’s Experian score was 750, which is an excellent credit score on the Experian scale.
Client Profile: Randall Inghram of Gun Barrel City, Texas
  • Full name (Changed if requested): Randall Inghram
  • Current Credit: loans.hit.utils.Fico@4ee285c6
  • Current City: Gun Barrel City
  • State: Texas
  • Zip code: 75151
  • Yearly income: $56,000
  • Current Job: agricultural inspector
  • Current County: Henderson
  • Goal Yearly Income: $96,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Installment loan for Randall, a graduate of Center for Information Dominance (CID) and an agricultural inspector working for over $68,000 per year

Randall, an alumnus at Center for Information Dominance (CID) and an agricultural inspector in Gun Barrel City, Texas wants a signature loan to purchase something frivolous. Randall has instead decided to get an installment loan for $19,000 and is currently seeking lenders like Brownfield State Bank & Trust Co. to provide it.

Randall has a very low current gross income, but has a large amount of prospects

Randall has always wanted to be a nurse practitioner, but would have to attend Center for Information Dominance (CID) again to become one. Randall has other prospects as well, including human factors psychologist, police officer, and criminal lawyer, which pay $59,000 through to $93,000 per year, at least. Because of this, we believe that Randall can pay for this signature loan of $24000.

Paraphrased and Standardized Quote from Randall for this signature loan of $24000, provided by First National Bank of Gun Barrel City

Hello, I am Randall and I’m from Gun Barrel City in Texas. Henderson, county is where I grew up, and now I need a signature loan in Texas for $24000 to avoid bankruptcy. It wasn’t easy, but First National Bank of Gun Barrel City really came through for me with this loan for 5.3% interest APR and a term of 12 years. I can repay the loan over the 12 year term, including interest. A big thanks to First National Bank of Gun Barrel City for giving me a chance and my excellent credit. It look me 6 years to create my credit to 750, and I won’t tarnish it any future. I’m happy with Find Texas Loans for helping me this far.

Personal Loan for an agricultural inspector named Randall in Gun Barrel City, Texas to Pay Off US Bank FlexPerks Select Rewards Visa Card

Randall had a lot of credit card debt on their Ace Rewards Visa Signature Card and their First Vineyard Prepaid MasterCard, and they were starting to get in over their heads. Despite Randall’s job as an agricultural inspector, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Contact Details for First National Bank of Gun Barrel City, the provider of this signature loan

  • First National Bank of Gun Barrel City
  • City: Gun Barrel City
  • State: Texas
  • Address: 201 North Gun Barrel Lane
  • County: Henderson
  • Zip code: 75147

Several previous requests for credit have been made by Randall in the past, including one from The Salt Creek Valley Bank in Gun Barrel City, Texas before Randall was accepted for the $24000 by First National Bank of Gun Barrel City

Randall made 4 previous attempts to obtain a signature loan, 2 of which were with The Salt Creek Valley Bank, a lender in Gun Barrel City, Texas known to specialize in signature loans specifically. Before finding First National Bank of Gun Barrel City, Randall was concerned due to their inexperience and excellent credit rating.

Before applying for this signature loan, Randall had an Experian score of 766, which is excellent, so First National Bank of Gun Barrel City likely cannot provide Randall a signature loan

Experian Score: 766

Previous requests on Randall’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$79210.00 3 11.1% $2596.99 Comerica Bank December 8, 2011
$79310.00 4 7.6% $1921.33 First Star Bank, S.S.B. June 3, 2012
$79200.00 11 6.4% $837.31 Brownfield State Bank & Trust Co. October 21, 2013
$78900.00 6 8.4% $1398.83 First Bank & Trust, Bryan, Texas October 14, 2014

Randall’s Transunion score was changed by the signature loan loan, changing to 738 from 750, which is normal in our experience.

Transunion Score: 738

Fast Loans for Randall in Gun Barrel City, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Gun Barrel City, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Randall. Randall was able to find a fast loan for $24000 from Guaranty Bank & Trust, N.A. and First Star Bank, S.S.B., but declined both offers in favor of their signature loan from First National Bank of Gun Barrel City. The difference 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 debt consolidation loans. A big difference if a client is in a pinch.

Randall’s Overall FICO score at the time of acceptance for a signature loan, taking into account their agricultural inspector job and their future career as a nurse practitioner

Fico Score: 750

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans vary from $33,000.00 to $45,000.00. They are typically used to pay off existing high interest loans like credit cards. Randall needed a debt consolidation loan to pay for their existing signature loan and their loan shark loan. Randall was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.3%.

Randall was not approved by Guaranty Bank & Trust Company 7 times prior to being accepted by First National Bank of Gun Barrel City at 201 North Gun Barrel Lane

On September 14, 2010, Randall inquired about borrowing $13,000 from Citizens State Bank of Dalhart with Roberta, their friend from just outside Gun Barrel City, and even with the co-signer, Randall was rejected for this signature loan. With excellent credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Signature Loan found in Gun Barrel City, Texas for $24000 with excellent credit by Randall

Most borrowers have difficulty with finding signature loans in Gun Barrel City, Texas, and Randall is no exception. Randall went to 6 lenders or more prior to settling on First National Bank of Gun Barrel City, who offered Randall a signature loan for $24000. Most signature loans simply require a client, like Randall’s signature to obtain them, up to $30,000 in some cases. Randall was able to get $24000 as a signature loan, which is very high for a signature loan. Since signature loans do not need a cosigner, these loans generally need better credit, as high as 720

When Randall was 22, they tried to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a chronology of Randall’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on November 21, 2012
  • Attempt 2) Loan for $38,000.00 on June 25, 2013
  • Attempt 3) Loan for $29,000.00 on April 22, 2012
  • Attempt 4) Loan for $23,000.00 on July 7, 2013

6 Months in the Past, Randall Attempted Finding a High Risk Loan for $30,000.00, and it was Easy

It is an existing struggle for borrowers to get 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 Randall. Randall chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit individuals. Individuals with credit scores as low as 308 can apply for a high risk loan and have a chance to be approved.

Conclusion of Randall’s signature loan

In the end, Randall was able to find a signature loan for $24000 with an interest rate of 7.1% interest APR from First National Bank of Gun Barrel City in Gun Barrel City, 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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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.