$136000 Auto Loan – Rock Springs Wyoming, Credit Rating Of 645
- Experian: 655 – The client had a good Experian rating
- Transunion: 632 – An had a good credit rating with Transunion.
- Equifax: An’s Experian score was 645, which is a good credit rating with the Experian scale.
Before applying for this auto loan, An had an Experian score of 655, which is good, so RSNB Bank likely cannot provide An an auto loan
Contact Details for RSNB Bank, the provider of this auto loan
- RSNB Bank
- City: Rock Springs
- State: Wyoming
- Address: 200 Second Street
- County: Sweetwater
- Zip code: 82901
- Full name (Changed if requested): An Kurdyla
- Current Credit: loans.hit.utils.Fico@1b2c6ec2
- Current City: Rock Springs
- State: Wyoming
- Zip code: 82910
- Yearly income: $52,000
- Current Job: film laboratory technician
- Current County: Sweetwater
- Goal Yearly Income: $86,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Personal Loan for a film laboratory technician named An in Rock Springs, Wyoming to Pay Off L.L. Bean Visa Card
An had a lot of credit card debt on their Ebates Cash Back Visa Platinum Card and their Hancock Bank Maximum Rewards Visa Card, and they were starting to get in over their heads. Despite An’s job as a film laboratory technician, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Fast Loans for An in Rock Springs, Wyoming to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Rock Springs, Wyoming aren’t actually that difficult to obtain, particularly if you have some finesse like An. An was able to find a fast loan for $136000 from The Jackson State Bank and Norwest Bank Wyoming Cheyenne, National Association, but turned down both offers in favor of their auto loan from RSNB Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference if a client is in a pinch.
An’s Overall FICO score at the time of acceptance for an auto loan, taking into account their film laboratory technician job and their future job as a makeup artists – theatrical
Installment loan for An, a graduate of William Woods University and a film laboratory technician working for over $76,000 per year
An, an alumnus at William Woods University and a film laboratory technician in Rock Springs, Wyoming wants an auto loan to purchase something frivolous. An has instead chosen to get an installment loan for $26,000 and is at present seeking lenders like First Interstate Bank to provide it.
Previous requests on An’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$131420.00||5||10.6%||$2831.24||The Jackson State Bank||March 22, 2013|
|$130830.00||6||5.6%||$2143.61||FirsTier Bank, Wyoming||August 29, 2013|
|$130550.00||8||6.1%||$1721.98||First Interstate Bank||September 19, 2014|
|$130620.00||3||8.2%||$4105.22||Saratoga State Bank||November 9, 2014|
When An was 20, they attempted to obtain a student loan from 7 different lenders, which damaged their credit score. Below is a list of An’s previous attempts at finding a student loan:
- Attempt 1) Loan for $33,000.00 on October 19, 2009
- Attempt 2) Loan for $32,000.00 on January 12, 2013
- Attempt 3) Loan for $29,000.00 on December 27, 2009
- Attempt 4) Loan for $24,000.00 on October 16, 2011
- Attempt 5) Loan for $27,000.00 on January 31, 2010
- Attempt 6) Loan for $35,000.00 on September 14, 2010
- Attempt 7) Loan for $30,000.00 on April 12, 2012
An has a low current gross income, but has a high number of prospects
An has always wanted to be a makeup artists – theatrical, but would have to attend William Woods University again to become one. An has other possibilities as well, including broadcast news analyst, marine/port engineer, and motorboat mechanic, which pay $58,000 through to $95,000 per year, on average. For this reason, we believe that An can pay for this auto loan of $136000.
8 Months in the Past, An Attempted Finding a High Risk Loan for $21,000.00, and it was Hard
It is an ongoing struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like An. An decided not to get a high risk loan this time. High Risk loans are given to bad credit borrowers. Individuals with credit scores as low as 519 can inquire for a high risk loan and possibly can be approved.
An was not approved by Key Bank of Wyoming – Fourth and Buffalo, Rawlins, Wyoming 82301 7 times before being granted funding by RSNB Bank at 200 Second Street
On August 17, 2011, An applied about borrowing $46,000 from First Bank of Wyoming with Lakita, their friend from just outside Rock Springs, and even with the co-signer, An was rejected for this auto loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.
Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans range from $35,000.00 to $45,000.00. They are normally used to pay off existing high interest loans like credit cards. An required a debt consolidation loan to pay for their existing auto loan and their payday loan. An was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your less desirable, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.0%.
An’s Transunion score was changed by the auto loan loan, changing to 632 from 645, which is typical in our experience.
Many past requests for credit have been made by An in the past, including one from First National Bank of Gillette in Rock Springs, Wyoming before An was accepted for the $136000 by RSNB Bank
An made 7 previous attempts to obtain an auto loan, 2 of which were with First National Bank of Gillette, a bank in Rock Springs, Wyoming known to specialize in auto loans specifically. Before finding RSNB Bank, An was desperate due to their inexperience and good credit rating.
Signature Loan acquired in Rock Springs, Wyoming for $136000 with good credit by An
A lot of clients have difficulty with obtaining signature loans in Rock Springs, Wyoming, and An is no different. An went to 6 lenders or more prior to settling on RSNB Bank, who offered An a signature loan for $136000. Most signature loans simply need a client, like An’s signature to get them, up to $21,000 in some cases. An was able to get $136000 as a auto loan, which is very high for an auto loan. Since signature loans do not need collateral, they tend to require improved credit, as high as 708
Paraphrased and Standardized Quote from An for this auto loan of $136000, provided by RSNB Bank
Hello, I am An and I am from Rock Springs in Wyoming. Sweetwater, county is where I grew up, and now I need a auto loan in Wyoming for $136000 to renovate my home. It wasn’t easy, but RSNB Bank really came through for me with this loan for 6.0% interest APR and a term of 23 years. I can probably repay the loan over the 23 year term, including interest. A big thanks to RSNB Bank for trusting me and my good credit. It look me 8 years to create my credit to 645, and I won’t tarnish it any more. I am pleased with Find Texas Loans for helping me this far.
Conclusion of An’s auto loan
In the end, An was able to find an auto loan for $136000 with an interest rate of 7.8% interest APR from RSNB Bank in Rock Springs, Wyoming repayable over 23 years from today.