$93000 Auto Loan – Temple Oklahoma, Credit Rating Of 706
- Experian: 719 – This client had a good Experian rating
- Transunion: 688 – Jovita had a good credit score with Transunion.
- Equifax: Jovita’s Experian score was 706, which is a good credit rating with the Experian system.
Fast Loans for Jovita in Temple, Oklahoma to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Temple, Oklahoma aren’t actually that difficult to obtain, especially if you have some finesse like Jovita. Jovita was able to find a fast loan for $93000 from The Liberty State Bank of Tahlequah, Oklahoma and First Capital Bank, but declined both offers in favor of their auto loan from First State Bank in Temple. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. Much better if you are on the go.
Contact Details for First State Bank in Temple, the provider of this auto loan
- First State Bank in Temple
- City: Temple
- State: Oklahoma
- Address: 111 South Commercial
- County: Cotton
- Zip code: 73568
8 Months in the Past, Jovita Tried to Find a High Risk Loan for $31,000.00, and it was Hard
There is an ongoing struggle for clients to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Jovita. Jovita chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Clients with credit scores as low as 313 can apply for a high risk loan and may be be approved.
Many other requests for credit have been made by Jovita in the past, including one from Indian Head National Bank of Portsmouth in Temple, Oklahoma before Jovita was accepted for the $93000 by First State Bank in Temple
Jovita made 5 previous tries to obtain an auto loan, 2 of which were with Indian Head National Bank of Portsmouth, a lending institution in Temple, Oklahoma known to specialize in auto loans specifically. Before finding First State Bank in Temple, Jovita was very concerned due to their inexperience and good credit rating.
Installment loan for Jovita, a graduate of Minnesota State Community and Technical College and a school nurse working for over $65,000 per year
Jovita, an alumnus at Minnesota State Community and Technical College and a school nurse in Temple, Oklahoma wants an auto loan to purchase something frivolous. Jovita has instead decided to get an installment loan for $18,000 and is at present seeking lenders like The Morris State Bank to provide it.
Signature Loan found in Temple, Oklahoma for $93000 with good credit by Jovita
Many prospective borrowers have difficulty with finding signature loans in Temple, Oklahoma, and Jovita is no different. Jovita went to 7 lenders or more before finding First State Bank in Temple, who offered Jovita a signature loan for $93000. Typical signature loans simply need a client, like Jovita’s signature to get them, up to $24,000 in some cases. Jovita was able to get $93000 as a auto loan, which is very high for an auto loan. Because signature loans do not need collateral, these loans tend to require improved credit, as high as 769
Before applying for this auto loan, Jovita had an Experian score of 719, which is good, so First State Bank in Temple most likely cannot provide Jovita an auto loan
Jovita’s Transunion score was altered by the auto loan loan, changing to 688 from 706, which is normal in our experience.
Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Average debt consolidation loans range from $38,000.00 to $41,000.00. They are normally used to pay off existing high interest loans like credit cards. Jovita required a debt consolidation loan to pay for their existing auto loan and their payday loan. Jovita was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 4.6%.
Jovita’s Overall FICO score at the time of acceptance for an auto loan, taking into account their school nurse job and their future job as a developmental psychologist
Jovita has a disappointing current gross income, but has a large amount of prospects
Jovita has always wanted to be a developmental psychologist, but would have to attend Minnesota State Community and Technical College again to achieve it. Jovita has other prospects as well, including resource teacher, student affairs administrator, and clinical sociologist, which pay $52,000 through to $106,000 per year, on average. Because of this, we think that Jovita can afford this auto loan of $93000.
- Full name (Changed if requested): Jovita Harvison
- Current Credit: loans.hit.utils.Fico@37bba400
- Current City: Temple
- State: Oklahoma
- Zip code: 73571
- Yearly income: $46,000
- Current Job: school nurse
- Current County: Cotton
- Goal Yearly Income: $95,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
When Jovita was 21, they attempted to obtain a student loan from 4 different lenders, which damaged their credit rating. Below is a chronology of Jovita’s previous attempts at finding a student loan:
- Attempt 1) Loan for $22,000.00 on October 18, 2013
- Attempt 2) Loan for $39,000.00 on October 31, 2012
- Attempt 3) Loan for $23,000.00 on January 1, 2011
- Attempt 4) Loan for $29,000.00 on October 22, 2008
Jovita was declined by American Exchange Bank 6 times prior to being approved by First State Bank in Temple at 111 South Commercial
On June 30, 2009, Jovita inquired about borrowing $11,000 from The First Bank of Okarche with Karoline, their in law from just outside Temple, and even with the co-signer, Jovita was rejected for this auto loan. With good credit, it can be a challenge to procure funding, even with collateral and a co-signer.
Previous requests on Jovita’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$24710.00||10||9.6%||$321.1||The First State Bank||September 6, 2010|
|$25140.00||11||7.2%||$276.27||Security Bank and Trust Company||June 25, 2011|
|$25280.00||10||8.6%||$314.79||The First State Bank, Willow, Okla.||July 14, 2013|
|$24530.00||10||7.3%||$288.62||Sooner State Bank||November 12, 2013|
|$25100.00||3||11.3%||$825.31||The Farmers State Bank||June 18, 2014|
Paraphrased and Standardized Quote from Jovita for this auto loan of $93000, provided by First State Bank in Temple
Hi, I am Jovita and my hometown is Temple in Oklahoma. Cotton, county is where I grew up, and now I need a auto loan in Oklahoma for $93000 to pay bills. It wasn’t easy, but First State Bank in Temple really came through for me with this loan for 11.7% interest APR and a term of 22 years. I can repay the loan over the 22 year term, including interest. A big thanks to First State Bank in Temple for trusting me and my good credit. It look me 5 years to create my credit to 706, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.
Personal Loan for a school nurse named Jovita in Temple, Oklahoma to Pay Off Target REDcard Credit Card
Jovita had a lot of credit card debt on their Navy FCU GO REWARDS and their Good Sam Club Visa Signature card with REC REWARDS, and they were starting to get in over their heads. Despite Jovita’s job as a school nurse, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Conclusion of Jovita’s auto loan
In the end, Jovita was able to find an auto loan for $93000 with an interest rate of 8.4% interest APR from First State Bank in Temple in Temple, Oklahoma repayable over 22 years from now.