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Auto Loan Of $60000 For Good Credit California Resident

$60000 Auto Loan – Walnut Creek California, Credit Score Of 700

  • Experian: 713 – This individual had a good Experian rating
  • Transunion: 688 – Emmett had a good credit score with Transunion.
  • Equifax: Emmett’s Experian score was 700, which is a good credit rating using the Experian rating scheme.
Client Profile: Emmett Corino of Walnut Creek, California
  • Full name (Changed if requested): Emmett Corino
  • Current Credit: loans.hit.utils.Fico@1ddc4ec2
  • Current City: Walnut Creek
  • State: California
  • Zip code: 94601
  • Yearly income: $55,000
  • Current Job: employment and placement specialist
  • Current County: Contra Costa
  • Goal Yearly Income: $84,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Personal Loan for an employment and placement specialist named Emmett in Walnut Creek, California to Pay Off San Diego Chargers NFL Extra Points Visa Signature Card

Emmett had a tonne of credit card debt on their FirstBank Business Visa Credit Card and their UMB Bank Dynamics ePlate VISA, and they were starting to get in over their heads. Despite Emmett’s job as an employment and placement specialist, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Emmett for this auto loan of $60000, provided by Security National Bank

Hi, I am Emmett and I am from Walnut Creek in California. Contra Costa, county is where I grew up, and now I need a auto loan in California for $60000 to pay bills. It wasn’t easy, but Security National Bank really came through for me with this loan for 10.1% interest APR and a term of 24 years. I can repay the loan over the 24 year term, including interest. A big thanks to Security National Bank for giving me a chance and my good credit. It look me 4 years to build my credit to 700, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

Emmett was not approved by Bank of Stockton 4 times prior to being approved by Security National Bank at 1500 Newell Avenue

On May 28, 2010, Emmett applied about borrowing $6,000 from Capital Bank with Jody, their in law from just outside Walnut Creek, and even with the co-signer, Emmett was rejected for this auto loan. With good credit, it can be challenging to obtain funding, even with collateral and a co-signer.

6 Months Ago, Emmett Attempted to Find a High Risk Loan for $45,000.00, and it was Hard

It is an existing struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Emmett. Emmett chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Individuals with credit ratings as low as 388 can inquire for a high risk loan and may be be accepted.

Emmett’s Overall FICO score at the time of acceptance for an auto loan, taking into account their employment and placement specialist job and their future career as a pbx installer and repairer

Fico Score: 700

Before applying for this auto loan, Emmett had an Experian score of 713, which is good, so Security National Bank probably can provide Emmett an auto loan

Experian Score: 713

Installment loan for Emmett, a graduate of INSTE Bible College and an employment and placement specialist working for over $68,000 per year

Emmett, an alumnus at INSTE Bible College and an employment and placement specialist in Walnut Creek, California wants an auto loan to purchase something frivolous. Emmett has instead decided to get an installment loan for $19,000 and is currently seeking lenders like Bank of Stockton to provide it.

Signature Loan found in Walnut Creek, California for $60000 with good credit by Emmett

A lot of prospective borrowers have difficulty with obtaining signature loans in Walnut Creek, California, and Emmett is the same. Emmett went to 7 lending institutions or more before settling on Security National Bank, who offered Emmett a signature loan for $60000. Typical signature loans simply need a client, like Emmett’s signature to obtain them, up to $49,000 in some cases. Emmett was able to get $60000 as a auto loan, which is very high for an auto loan. Because signature loans do not require a cosigner, they generally need higher credit, as high as 728

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

Normal debt consolidation loans range from $32,000.00 to $44,000.00. They are normally used to pay off existing high interest loans like credit cards. Emmett required a debt consolidation loan to pay for their existing auto loan and their credit card. Emmett was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.1%.

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

Emmett has always wanted to be a pbx installer and repairer, but would have to attend INSTE Bible College again to become one. Emmett has other prospects as well, including avionics technician, license clerk, and computer customer support specialist, which pay $52,000 through to $101,000 per year, on average. Because of this, we think that Emmett can afford this auto loan of $60000.

Previous requests on Emmett’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$85430.00 4 10.6% $2191.42 Santa Monica Bank March 26, 2013
$85290.00 8 7.2% $1171.33 Farmers and Merchants Bank of Long Beach June 30, 2013
$85130.00 11 6.4% $900.01 First Interstate Bank of California March 18, 2014
$84880.00 6 7.4% $1463.48 Union Bank July 27, 2014
$85450.00 6 9.8% $1574.43 Citizens Commercial Trust and Savings Bank of Pasadena June 14, 2015

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

  • Security National Bank
  • City: Walnut Creek
  • State: California
  • Address: 1500 Newell Avenue
  • County: Contra Costa
  • Zip code: 94596

Fast Loans for Emmett in Walnut Creek, California to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Walnut Creek, California aren’t actually that difficult to obtain, particularly if you have some finesse like Emmett. Emmett was able to find a fast loan for $60000 from The First National Bank of Holtville and First Interstate Bank of California, but declined both offers in favor of their auto loan from Security National Bank. The difference 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 a client is in a pinch.

When Emmett was 20, they attempted to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a chronology of Emmett’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on August 14, 2010
  • Attempt 2) Loan for $23,000.00 on March 26, 2012
  • Attempt 3) Loan for $29,000.00 on July 3, 2012
  • Attempt 4) Loan for $36,000.00 on April 17, 2011

Many previous requests for credit have been made by Emmett in the past, including one from The Potter State Bank of Potter in Walnut Creek, California before Emmett was accepted for the $60000 by Security National Bank

Emmett made 9 previous tries to obtain an auto loan, 2 of which were with The Potter State Bank of Potter, a bank in Walnut Creek, California known to specialize in auto loans specifically. Prior to finding Security National Bank, Emmett was very concerned due to their inexperience and good credit rating.

Emmett’s Transunion score was altered by the auto loan loan, changing to 688 from 700, which is normal in our experience.

Transunion Score: 688

Conclusion of Emmett’s auto loan

In the end, Emmett was able to find an auto loan for $60000 with an interest rate of 10.1% interest APR from Security National Bank in Walnut Creek, California repayable over 24 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.