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Auto Loan For $2000 Near 28697, North Carolina With A Credit Score Of 814

$2000 Auto Loan – Wilkesboro North Carolina, Credit Rating Of 814

  • Experian: 827 – They had an excellent Experian rating
  • Transunion: 796 – Tiana had an excellent credit score with Transunion.
  • Equifax: Tiana’s Experian score was 814, which is an excellent credit score using the Experian scale.

Tiana has a sad current gross income, but has several of prospects

Tiana has always wanted to be an ophthalmic laboratory technician, but would need attend Williams Baptist College again to become one. Tiana has other possibilities as well, including tax lawyer, animal scientist, and geography professor, which pay $58,000 through to $95,000 per year, on average. For this reason, we believe that Tiana can afford this auto loan of $2000.

Installment loan for Tiana, a graduate of Williams Baptist College and a teacher of the blind working for over $66,000 per year

Tiana, an alumnus at Williams Baptist College and a teacher of the blind in Wilkesboro, North Carolina needs an auto loan to purchase a house. Tiana has instead chosen to obtain an installment loan for $23,000 and is at present seeking lenders like The Carolina Bank to process their request.

Contact Details for Great State Bank, the provider of this auto loan

  • Great State Bank
  • City: Wilkesboro
  • State: North Carolina
  • Address: 1422 Highway 421a
  • County: Wilkes
  • Zip code: 28697

Multiple previous requests for credit have been made by Tiana in the past, including one from First Bank in Wilkesboro, North Carolina before Tiana was approved for the $2000 by Great State Bank

Tiana made 6 previous attempts to obtain an auto loan, 2 of which were with First Bank, a lending institution in Wilkesboro, North Carolina known to specialize in auto loans specifically. Before finding Great State Bank, Tiana was desperate due to their inexperience and excellent credit score.

Client Profile: Tiana Caponera of Wilkesboro, North Carolina
  • Full name (Changed if requested): Tiana Caponera
  • Current Credit: loans.hit.utils.Fico@20ad9418
  • Current City: Wilkesboro
  • State: North Carolina
  • Zip code: 28698
  • Yearly income: $40,000
  • Current Job: teacher of the blind
  • Current County: Wilkes
  • Goal Yearly Income: $106,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Before applying for this auto loan, Tiana had an Experian score of 827, which is excellent, so Great State Bank probably cannot provide Tiana an auto loan

Experian Score: 827

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $21,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Tiana needed a debt consolidation loan to pay for their existing auto loan and their payday loan. Tiana was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your bad, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.2%.

Tiana’s Transunion score was changed by the auto loan loan, changing to 796 from 814, which is typical in our experience.

Transunion Score: 796

Tiana was not approved by Bank of America, National Association 5 times prior to being accepted by Great State Bank at 1422 Highway 421a

On December 31, 2009, Tiana inquired about borrowing $18,000 from The Bank of Raeford with Loris, their friend from just outside Wilkesboro, and even with the co-signer, Tiana was rejected for this auto loan. With excellent credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Tiana’s Overall FICO score at the time of acceptance for an auto loan, taking into account their teacher of the blind job and their future career as an ophthalmic laboratory technician

Fico Score: 814

Fast Loans for Tiana in Wilkesboro, North Carolina to prevent bankruptcy or harm from debt collectors.

Fast loans in Wilkesboro, North Carolina aren’t actually that difficult to obtain, especially if you have some gumption like Tiana. Tiana was able to find a fast loan for $2000 from First State Bank and The Bank of Coleridge, but declined both offers in favor of their auto loan from Great State 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 installment loans. An improvement if you are in a pinch.

Signature Loan found in Wilkesboro, North Carolina for $2000 with excellent credit by Tiana

Many clients struggle with obtaining signature loans in Wilkesboro, North Carolina, and Tiana is the same. Tiana went to 4 lenders or more prior to settling on Great State Bank, who offered Tiana a signature loan for $2000. Typical signature loans simply need a client, like Tiana’s signature to get them, up to $45,000 in some cases. Tiana was able to get $2000 as a auto loan, which is very high for an auto loan. Since signature loans don’t require collateral, these loans tend to require better credit, as high as 727

Paraphrased and Standardized Quote from Tiana for this auto loan of $2000, provided by Great State Bank

Hi, I am Tiana and my hometown is Wilkesboro in North Carolina. Wilkes, county is where I grew up, and now I need a auto loan in North Carolina for $2000 to pay bills. It has been difficult, but Great State Bank really came through for me with this loan for 7.0% 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 Great State Bank for giving me a chance and my excellent credit. It look me 6 years to create my credit to 814, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.

When Tiana was 20, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a chronology of Tiana’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on January 12, 2009
  • Attempt 2) Loan for $20,000.00 on November 1, 2010
  • Attempt 3) Loan for $23,000.00 on October 5, 2009
  • Attempt 4) Loan for $21,000.00 on October 25, 2013
  • Attempt 5) Loan for $33,000.00 on January 23, 2011

Previous requests on Tiana’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$25350.00 9 7.5% $323.49 The Farmers Bank of Seaboard October 3, 2012
$25190.00 7 5.6% $363.18 The Bank of Raeford September 22, 2014
$25420.00 5 8.5% $521.53 The Bank of Coleridge May 1, 2015
$24840.00 3 10.8% $810.88 Farmers Bank of Sunbury July 28, 2015

7 Months in the Past, Tiana Attempted Finding a High Risk Loan for $21,000.00, and it was Hard

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 similar lenders, which can be physically harmful to borrowers like Tiana. Tiana chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit individuals. Individuals with credit ratings as low as 422 can inquire for a high risk loan and have a chance to be approved.

Personal Loan for a teacher of the blind named Tiana in Wilkesboro, North Carolina to Pay Off AARP Credit Card from Chase

Tiana had a lot of credit card debt on their The Bank Visa Platinum Card and their NBT Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Tiana’s job as a teacher of the blind, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Conclusion of Tiana’s auto loan

In the end, Tiana was able to find an auto loan for $2000 with an interest rate of 10.4% interest APR from Great State Bank in Wilkesboro, North Carolina repayable over 4 years from today.

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.