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Angelita Needed A Personal Loan For $87000, Nacogdoches, Texas

$87000 Personal Loan – Nacogdoches Texas, Credit Rating Of 402

  • Experian: 421 – This individual had a bad Experian rating
  • Transunion: 386 – Angelita had a bad credit score with Transunion.
  • Equifax: Angelita’s Experian score was 402, which is a bad credit rating with the Experian rating scheme.

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $30,000.00 to $55,000.00. They are typically used to pay off existing high interest loans like credit cards. Angelita required a debt consolidation loan to pay for their existing personal loan and their payday loan. Angelita was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your dirty, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.3%.

When Angelita was 22, they tried to obtain a student loan from 7 different banks, which harmed their credit score. Below is a list of Angelita’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on July 18, 2010
  • Attempt 2) Loan for $39,000.00 on March 24, 2011
  • Attempt 3) Loan for $27,000.00 on January 26, 2012
  • Attempt 4) Loan for $36,000.00 on March 18, 2010
  • Attempt 5) Loan for $27,000.00 on May 21, 2011
  • Attempt 6) Loan for $25,000.00 on February 18, 2010
  • Attempt 7) Loan for $36,000.00 on October 17, 2012

Installment loan for Angelita, a graduate of National Graduate School of Quality Management and a radiation protection engineer working for over $78,000 per year

Angelita, an alumnus at National Graduate School of Quality Management and a radiation protection engineer in Nacogdoches, Texas needs a personal loan to purchase a new cell phone. Angelita has instead decided to get an installment loan for $24,000 and is currently seeking lenders like First City Bank of Richardson to process their request.

Fast Loans for Angelita in Nacogdoches, Texas to prevent bankruptcy or harm from debt collectors.

Fast loans in Nacogdoches, Texas aren’t actually that difficult to obtain, especially if you have some gumption like Angelita. Angelita was able to find a fast loan for $87000 from First Financial Bank and The Roscoe State Bank, but declined both offers in favor of their personal loan from Fredonia State Bank. 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 installment loans. Much better if a borrower is on the go.

9 Months Ago, Angelita Tried to Find a High Risk Loan for $23,000.00, and it was Hard

It is an ongoing struggle for clients to get high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Angelita. Angelita decided not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Clients with credit scores as low as 310 can apply for a high risk loan and possibly can be accepted.

Many previous requests for credit have been made by Angelita in the past, including one from Newport State Bank in Nacogdoches, Texas before Angelita was approved for the $87000 by Fredonia State Bank

Angelita made 8 prior attempts to obtain a personal loan, 2 of which were with Newport State Bank, a lender in Nacogdoches, Texas known to specialize in personal loans specifically. Before finding Fredonia State Bank, Angelita was very concerned due to their inexperience and bad credit score.

Angelita’s Overall FICO score at the time of acceptance for a personal loan, taking into account their radiation protection engineer job and their future career as a mine cutting machine operator

Fico Score: 402

Contact Details for Fredonia State Bank, the provider of this personal loan

  • Fredonia State Bank
  • City: Nacogdoches
  • State: Texas
  • Address: 2400 North Street
  • County: Nacogdoches
  • Zip code: 75961

Angelita’s Transunion score was changed by the personal loan loan, changing to 386 from 402, which is normal in our experience.

Transunion Score: 386

Personal Loan for a radiation protection engineer named Angelita in Nacogdoches, Texas to Pay Off Sister Hazel Rewards Visa Card

Angelita had a lot of credit card debt on their Citi Chairman American Express Card and their Steuben Trust Visa Signature Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Angelita’s job as a radiation protection engineer, they struggled to make payments on the $29,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Angelita Dimperio of Nacogdoches, Texas
  • Full name (Changed if requested): Angelita Dimperio
  • Current Credit: loans.hit.utils.Fico@14514713
  • Current City: Nacogdoches
  • State: Texas
  • Zip code: 75963
  • Yearly income: $49,000
  • Current Job: radiation protection engineer
  • Current County: Nacogdoches
  • Goal Yearly Income: $97,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Paraphrased and Standardized Quote from Angelita for this personal loan of $87000, provided by Fredonia State Bank

Hello, I am Angelita and I’m from Nacogdoches in Texas. Nacogdoches, county is where I grew up, and now I need a personal loan in Texas for $87000 to buy a car. It wasn’t easy, but Fredonia State Bank really came through for me with this loan for 9.1% interest APR and a term of 16 years. I can probably repay the loan over the 16 year term, including interest. A big thanks to Fredonia State Bank for trusting me and my bad credit. It look me 4 years to build my credit to 402, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

Angelita has a disappointing current yearly income, but has a high number of prospects

Angelita has always wanted to be a mine cutting machine operator, but would need attend National Graduate School of Quality Management again to achieve it. Angelita has other prospects as well, including speech writer, computer science professor, and bank examiner, which pay $51,000 through to $105,000 per year, on average. For this reason, we think that Angelita can pay for this personal loan of $87000.

Signature Loan acquired in Nacogdoches, Texas for $87000 with bad credit by Angelita

Many clients have difficulty with obtaining signature loans in Nacogdoches, Texas, and Angelita is the same. Angelita went to 5 lenders or more before finding Fredonia State Bank, who offered Angelita a signature loan for $87000. Most signature loans simply need a client, like Angelita’s signature to get them, up to $48,000 in some cases. Angelita was able to get $87000 as a personal loan, which is very high for a personal loan. Since signature loans don’t require a cosigner, they generally need improved credit, as high as 716

Angelita was not approved by First State Bank 7 times prior to being approved by Fredonia State Bank at 2400 North Street

On March 20, 2011, Angelita applied about borrowing $8,000 from MBank Greenville, National Association with Henrietta, their in law from just outside Nacogdoches, and even with the co-signer, Angelita was rejected for this personal loan. With bad credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Before applying for this personal loan, Angelita had an Experian score of 421, which is bad, so Fredonia State Bank likely cannot provide Angelita a personal loan

Experian Score: 421

Previous requests on Angelita’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$144390.00 7 10.5% $2434.51 Comerica Bank April 23, 2009
$144200.00 8 11.4% $2296.38 First Star Bank, S.S.B. March 15, 2012
$144150.00 8 11.3% $2287.76 Brownfield State Bank & Trust Co. May 16, 2013
$143770.00 10 11.7% $2037.83 First Bank & Trust, Bryan, Texas December 14, 2013
$143900.00 7 5.5% $2067.85 First Bank & Trust of Clarendon September 22, 2014

Conclusion of Angelita’s personal loan

In the end, Angelita was able to find a personal loan for $87000 with an interest rate of 6.2% interest APR from Fredonia State Bank in Nacogdoches, 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.