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Auto Loan For $14000 Near 30076, Georgia With A Credit Score Of 431

$14000 Auto Loan – Roswell Georgia, Credit Score Of 431

  • Experian: 448 – The client had a bad Experian score
  • Transunion: 415 – Marisol had a bad credit score with Transunion.
  • Equifax: Marisol’s Experian score was 431, which is a bad credit score on the Experian scale.

Personal Loan for a forest and conservation technician named Marisol in Roswell, Georgia to Pay Off USAA Cash Rewards American Express

Marisol had a lot of credit card debt on their Grossman’s Bargain Outlet Credit Card and their Porsche Club of America Visa Card, and they were starting to get in over their heads. Despite Marisol’s job as a forest and conservation technician, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Marisol for this auto loan of $14000, provided by Milton National Bank

Hello, I am Marisol and I’m from Roswell in Georgia. Fulton, county is where I grew up, and now I need a auto loan in Georgia for $14000 to buy a car. It has been difficult, but Milton National Bank really came through for me with this loan for 10.4% interest APR and a term of 7 years. I can repay the loan over the 7 year term, including interest. A big thanks to Milton National Bank for trusting me and my bad credit. It look me 5 years to build my credit to 431, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Installment loan for Marisol, a graduate of Oxman College and a forest and conservation technician working for over $63,000 per year

Marisol, an alumnus at Oxman College and a forest and conservation technician in Roswell, Georgia wants an auto loan to purchase a car. Marisol has instead chosen to get an installment loan for $11,000 and is currently seeking lenders like Bank of Morgan County to provide it.

Client Profile: Marisol Kishi of Roswell, Georgia
  • Full name (Changed if requested): Marisol Kishi
  • Current Credit: loans.hit.utils.Fico@6193b845
  • Current City: Roswell
  • State: Georgia
  • Zip code: 30078
  • Yearly income: $63,000
  • Current Job: forest and conservation technician
  • Current County: Fulton
  • Goal Yearly Income: $135,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Marisol’s Transunion score was changed by the auto loan loan, changing to 415 from 431, which is normal in our experience.

Transunion Score: 415

Previous requests on Marisol’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$96300.00 8 7.1% $1317.72 NationsBank of Florida, National Association October 7, 2010
$96260.00 3 10.4% $3124.15 Century Bank and Trust October 28, 2012
$96310.00 8 6.7% $1298.73 Bank of Madison November 16, 2012
$95600.00 4 6.5% $2267.15 Bank of Hazlehurst February 12, 2014
$95550.00 7 10.6% $1616.02 The Citizens and Southern Bank of Dublin June 20, 2014

Marisol’s Overall FICO score at the time of acceptance for an auto loan, taking into account their forest and conservation technician job and their future career as a school psychologist

Fico Score: 431

Marisol was declined by Bank of Hazlehurst 7 times prior to being approved by Milton National Bank at 11650 Alpharetta Highway, Suite 200

On November 14, 2008, Marisol applied about borrowing $40,000 from The Peoples Bank of Talbotton with Nathalie, their in law from just outside Roswell, and even with the co-signer, Marisol was rejected for this auto loan. With bad credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Signature Loan easily acquired in Roswell, Georgia for $14000 with bad credit by Marisol

A lot of prospective borrowers struggle with obtaining signature loans in Roswell, Georgia, and Marisol is the same. Marisol went to 7 lenders or more prior to finding Milton National Bank, who offered Marisol a signature loan for $14000. Most signature loans simply need a client, like Marisol’s signature to obtain them, up to $47,000 in some cases. Marisol was able to get $14000 as a auto loan, which is very high for an auto loan. Since signature loans do not require a cosigner, these loans tend to require improved credit, as high as 771

Contact Details for Milton National Bank, the provider of this auto loan

  • Milton National Bank
  • City: Roswell
  • State: Georgia
  • Address: 11650 Alpharetta Highway, Suite 200
  • County: Fulton
  • Zip code: 30076

Many previous requests for credit have been made by Marisol in the past, including one from Bank of Louisiana in Roswell, Georgia before Marisol was approved for the $14000 by Milton National Bank

Marisol made 7 previous tries to obtain an auto loan, 2 of which were with Bank of Louisiana, a bank in Roswell, Georgia known to specialize in auto loans specifically. Before finding Milton National Bank, Marisol was desperate due to their inexperience and bad credit score.

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

Marisol has always wanted to be a school psychologist, but would need attend Oxman College again to achieve it. Marisol has other prospects as well, including purchasing manager, transit and railroad police, and dental laboratory technician, which pay $50,000 through to $100,000 per year, on average. For this reason, we believe that Marisol can afford this auto loan of $14000.

Debt Consolidation Will Assist Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans range from $30,000.00 to $58,000.00. They are typically used to pay off existing high interest loans like credit cards. Marisol required a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Marisol was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which changes your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.0%.

Before applying for this auto loan, Marisol had an Experian score of 448, which is bad, so Milton National Bank likely cannot provide Marisol an auto loan

Experian Score: 448

9 Months in the Past, Marisol Attempted Finding a High Risk Loan for $43,000.00, and it was Easy

There is an well known struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Marisol. Marisol chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit borrowers. Borrowers with credit scores as low as 442 can apply for a high risk loan and have a chance to be accepted.

When Marisol was 18, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit rating. Below is a list of Marisol’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on August 21, 2010
  • Attempt 2) Loan for $33,000.00 on March 19, 2011
  • Attempt 3) Loan for $27,000.00 on June 29, 2010
  • Attempt 4) Loan for $20,000.00 on September 1, 2009
  • Attempt 5) Loan for $36,000.00 on November 25, 2013
  • Attempt 6) Loan for $28,000.00 on August 24, 2012
  • Attempt 7) Loan for $31,000.00 on January 8, 2013

Fast Loans for Marisol in Roswell, Georgia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Roswell, Georgia aren’t actually that difficult to obtain, especially if you have some gumption like Marisol. Marisol was able to find a fast loan for $14000 from Washington Loan & Banking Company and The Citizens Bank, but turned down both offers in favor of their auto loan from Milton National Bank. The improvement with a fast loan over a installment 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 you are in a time sensitive situation.

Conclusion of Marisol’s auto loan

In the end, Marisol was able to find an auto loan for $14000 with an interest rate of 5.4% interest APR from Milton National Bank in Roswell, Georgia repayable over 7 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.