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4 Month, Fixed Interest No Collateral Loan For Kyle In Texas

$86000 No Collateral Loan – Austin Texas, Credit Rating Of 629

  • Experian: 639 – This individual had a good Experian rating
  • Transunion: 617 – Kyle had a good credit score with Transunion.
  • Equifax: Kyle’s Experian score was 629, which is a good credit score with the Experian system.

Personal Loan for a web art director named Kyle in Austin, Texas to Pay Off Lexus Pursuits Visa Platinum Credit Card

Kyle had a lot of credit card debt on their Stand Up To Cancer Credit Card and their BBVA Compass Visa Platinum, and they were starting to get in over their heads. Despite Kyle’s job as a web art director, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Signature Loan found in Austin, Texas for $86000 with good credit by Kyle

Many borrowers have difficulty with obtaining signature loans in Austin, Texas, and Kyle is no exception. Kyle went to 4 lending institutions or more before finding Southside Savings and Loan Association, who offered Kyle a signature loan for $86000. Typical signature loans simply need a client, like Kyle’s signature to obtain them, up to $20,000 in some cases. Kyle was able to get $86000 as a no collateral loan, which is very high for a no collateral loan. Since signature loans don’t require a cosigner, these loans generally require improved credit, as high as 751

Kyle’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their web art director job and their future job as a facilities planner

Fico Score: 629

Kyle was rejected by First RepublicBank Forney 4 times before being granted funding by Southside Savings and Loan Association at 4303 Victory Drive

On January 1, 2009, Kyle applied about borrowing $1,000 from First RepublicBank Clifton with Elois, their in law from just outside Austin, and even with the co-signer, Kyle was rejected for this no collateral loan. With good credit, it can be challenging to obtain funding, even with collateral and a co-signer.

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

Fast loans in Austin, Texas aren’t actually that difficult to obtain, particularly if you have some finesse like Kyle. Kyle was able to find a fast loan for $86000 from First RepublicBank Forney and Guaranty Bank & Trust, N.A., but turned down both offers in favor of their no collateral loan from Southside Savings and Loan Association. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big difference in the case that you are on the go.

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

Normal debt consolidation loans vary from $39,000.00 to $41,000.00. They are normally used to pay off existing high interest loans like credit cards. Kyle needed a debt consolidation loan to pay for their existing no collateral loan and their payday loan. Kyle was able to find a no collateral loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your dirty, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 2.3%.

When Kyle was 22, they tried to obtain a student loan from 7 different lenders, which damaged their credit score. Below is a chronology of Kyle’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on January 18, 2012
  • Attempt 2) Loan for $21,000.00 on March 18, 2012
  • Attempt 3) Loan for $33,000.00 on July 8, 2012
  • Attempt 4) Loan for $32,000.00 on April 16, 2010
  • Attempt 5) Loan for $30,000.00 on February 16, 2012
  • Attempt 6) Loan for $27,000.00 on October 17, 2011
  • Attempt 7) Loan for $39,000.00 on July 16, 2009

Kyle has a sad current total income, but has a high number of prospects

Kyle has always wanted to be a facilities planner, but would need attend Southern Illinois University Carbondale again to achieve it. Kyle has other possibilities as well, including radiologic technologist, sales representative, and real estate appraiser, which pay $53,000 through to $90,000 per year, at least. Because of this, we believe that Kyle can pay for this no collateral loan of $86000.

Client Profile: Kyle Ovard of Austin, Texas
  • Full name (Changed if requested): Kyle Ovard
  • Current Credit: loans.hit.utils.Fico@6aa8ceb6
  • Current City: Austin
  • State: Texas
  • Zip code: 78708
  • Yearly income: $69,000
  • Current Job: web art director
  • Current County: Travis
  • Goal Yearly Income: $123,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Paraphrased and Standardized Quote from Kyle for this no collateral loan of $86000, provided by Southside Savings and Loan Association

Hello, I am Kyle and my hometown is Austin in Texas. Travis, county is where I grew up, and now I need a no collateral loan in Texas for $86000 to buy a big ticket item. It has been difficult, but Southside Savings and Loan Association really came through for me with this loan for 5.2% interest APR and a term of 4 years. I can probably repay the loan over the 4 year term, including interest. A big thanks to Southside Savings and Loan Association for giving me a chance and my good credit. It look me 4 years to build my credit to 629, and I won’t harm it any more. I’m happy with Find Texas Loans for helping me this far.

Previous requests on Kyle’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$18320.00 4 7.2% $440.4 Comerica Bank February 4, 2009
$18480.00 10 10.4% $248.33 First Star Bank, S.S.B. May 31, 2013
$18130.00 7 6.5% $269.22 Brownfield State Bank & Trust Co. December 10, 2013
$17780.00 10 5.4% $192.08 First Bank & Trust, Bryan, Texas April 30, 2014
$17780.00 7 7.4% $271.84 First Bank & Trust of Clarendon October 18, 2014

7 Months in the Past, Kyle Tried to Find a High Risk Loan for $46,000.00, but They Didn’t Find What They were Expecting

There is an existing struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Kyle. Kyle decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Individuals with credit ratings as low as 467 can inquire for a high risk loan and have a chance to be approved.

Kyle’s Transunion score was altered by the no collateral loan loan, changing to 617 from 629, which is typical in our experience.

Transunion Score: 617

Installment loan for Kyle, a graduate of Southern Illinois University Carbondale and a web art director working for over $60,000 per year

Kyle, an alumnus at Southern Illinois University Carbondale and a web art director in Austin, Texas wants a no collateral loan to purchase a new cell phone. Kyle has instead chosen to obtain an installment loan for $16,000 and is at present seeking lenders like Silsbee State Bank to process their request.

Contact Details for Southside Savings and Loan Association, the provider of this no collateral loan

  • Southside Savings and Loan Association
  • City: Austin
  • State: Texas
  • Address: 4303 Victory Drive
  • County: Travis
  • Zip code: 78704

Multiple other requests for credit have been made by Kyle in the past, including one from Suncoast Savings and Loan Association, FSA in Austin, Texas before Kyle was approved for the $86000 by Southside Savings and Loan Association

Kyle made 8 previous tries to obtain a no collateral loan, 2 of which were with Suncoast Savings and Loan Association, FSA, a lender in Austin, Texas known to specialize in no collateral loans specifically. Before finding Southside Savings and Loan Association, Kyle was very concerned due to their inexperience and good credit rating.

Before applying for this no collateral loan, Kyle had an Experian score of 639, which is good, so Southside Savings and Loan Association most likely cannot provide Kyle a no collateral loan

Experian Score: 639

Conclusion of Kyle’s no collateral loan

In the end, Kyle was able to find a no collateral loan for $86000 with an interest rate of 8.4% interest APR from Southside Savings and Loan Association in Austin, Texas repayable over 4 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.