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Auto Loan Of $48000 For Excellent Credit Kansas Resident

$48000 Auto Loan – Burrton Kansas, Credit Rating Of 762

  • Experian: 781 – The client had an excellent Experian score
  • Transunion: 743 – Terry had an excellent credit score with Transunion.
  • Equifax: Terry’s Experian score was 762, which is an excellent credit rating with the Experian rating scheme.

Many previous requests for credit have been made by Terry in the past, including one from United New Mexico Bank in Burrton, Kansas before Terry was accepted for the $48000 by State Bank of Burrton

Terry made 4 prior attempts to obtain an auto loan, 2 of which were with United New Mexico Bank, a bank in Burrton, Kansas known to specialize in auto loans specifically. Prior to finding State Bank of Burrton, Terry was desperate due to their inexperience and excellent credit rating.

Signature Loan found in Burrton, Kansas for $48000 with excellent credit by Terry

Many clients struggle with obtaining signature loans in Burrton, Kansas, and Terry is no different. Terry went to 7 lenders or more before settling on State Bank of Burrton, who offered Terry a signature loan for $48000. Most signature loans simply require a client, like Terry’s signature to get them, up to $37,000 in some cases. Terry was able to get $48000 as a auto loan, which is very high for an auto loan. Because signature loans don’t require collateral, these loans generally need higher credit, as high as 768

When Terry was 22, they tried to obtain a student loan from 5 alternate banks, which harmed their credit rating. Below is a list of Terry’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $33,000.00 on October 9, 2012
  • Attempt 2) Loan for $31,000.00 on February 26, 2010
  • Attempt 3) Loan for $26,000.00 on November 5, 2008
  • Attempt 4) Loan for $32,000.00 on June 11, 2010
  • Attempt 5) Loan for $26,000.00 on December 25, 2009

Personal Loan for an industrial relations analyst named Terry in Burrton, Kansas to Pay Off NEA Cash Rewards Visa Signature Card

Terry had a lot of credit card debt on their NBT Bank Visa Signature Bonus Rewards PLUS Card and their LOFT Credit Card, and they were starting to get in over their heads. Despite Terry’s job as an industrial relations analyst, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Client Profile: Terry Dimucci of Burrton, Kansas
  • Full name (Changed if requested): Terry Dimucci
  • Current Credit: loans.hit.utils.Fico@439f5b3d
  • Current City: Burrton
  • State: Kansas
  • Zip code: 67025
  • Yearly income: $46,000
  • Current Job: industrial relations analyst
  • Current County: Harvey
  • Goal Yearly Income: $142,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Installment loan for Terry, a graduate of The University of Connecticut School of Medicine and Dentistry and an industrial relations analyst working for over $75,000 per year

Terry, an alumnus at The University of Connecticut School of Medicine and Dentistry and an industrial relations analyst in Burrton, Kansas needs an auto loan to purchase a new cell phone. Terry has instead decided to get an installment loan for $26,000 and is currently seeking lenders like Fidelity State Bank and Trust Company to provide it.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $27,000.00 to $54,000.00. They are mainly used to pay off existing high interest loans like credit cards. Terry required a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Terry was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your bad, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.7%.

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

  • State Bank of Burrton
  • City: Burrton
  • State: Kansas
  • Address: 200 North Burrton Avenue
  • County: Harvey
  • Zip code: 67020

Previous requests on Terry’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$25820.00 4 8.4% $635.2 Citizens Bank and Trust Company December 14, 2012
$25680.00 4 10.8% $661.22 The Morrill and Janes Bank and Trust Company November 22, 2013
$25900.00 7 8.4% $408.86 The Citizens State Bank, Liberal, Kansas March 7, 2014
$25870.00 8 5.1% $328.75 Citizens State Bank February 1, 2015
$26460.00 3 11.2% $868.77 The Peoples Bank August 10, 2015

Terry has a very low current total income, but has a large amount of prospects

Terry has always wanted to be a pharmacy technician, but would have to attend The University of Connecticut School of Medicine and Dentistry again to achieve it. Terry has other prospects as well, including mechanical inspector, truck driver, and model makers, which pay $54,000 through to $103,000 per year, at least. Because of this, we think that Terry can afford this auto loan of $48000.

Terry was rejected by The State Bank 7 times before being approved by State Bank of Burrton at 200 North Burrton Avenue

On March 12, 2009, Terry applied about borrowing $11,000 from The Farmers and Merchants State Bank with Rafaela, their in law from just outside Burrton, and even with the co-signer, Terry was rejected for this auto loan. With excellent credit, it can be very hard to procure financing, even with collateral and a co-signer.

Terry’s Transunion score was changed by the auto loan loan, changing to 743 from 762, which is typical in our experience.

Transunion Score: 743

Fast Loans for Terry in Burrton, Kansas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Burrton, Kansas aren’t actually that difficult to obtain, especially if you have some gumption like Terry. Terry was able to find a fast loan for $48000 from Citizens Bank and Trust Company and The Bank of Tescott, but turned down both offers in favor of their auto loan from State Bank of Burrton. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better in the case that you are in a time sensitive situation.

8 Months Ago, Terry Attempted to Find a High Risk Loan for $40,000.00, and it was Hard

There is an ongoing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Terry. Terry chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Individuals with credit ratings as low as 339 can inquire for a high risk loan and have a chance to be approved.

Paraphrased and Standardized Quote from Terry for this auto loan of $48000, provided by State Bank of Burrton

Hello, I am Terry and my hometown is Burrton in Kansas. Harvey, county is where I grew up, and now I need a auto loan in Kansas for $48000 to buy a big ticket item. It wasn’t easy, but State Bank of Burrton really came through for me with this loan for 11.6% interest APR and a term of 2 years. I will repay the loan over the 2 year term, including interest. A big thanks to State Bank of Burrton for giving me a chance and my excellent credit. It look me 7 years to create my credit to 762, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Terry’s Overall FICO score at the time of acceptance for an auto loan, taking into account their industrial relations analyst job and their future career as a pharmacy technician

Fico Score: 762

Before applying for this auto loan, Terry had an Experian score of 781, which is excellent, so State Bank of Burrton most likely cannot provide Terry an auto loan

Experian Score: 781

Conclusion of Terry’s auto loan

In the end, Terry was able to find an auto loan for $48000 with an interest rate of 8.2% interest APR from State Bank of Burrton in Burrton, Kansas repayable over 2 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.