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Auto Loan Of $78000 For Bad Credit Pennsylvania Resident

$78000 Auto Loan – Bowmanstown Pennsylvania, Credit Score Of 419

  • Experian: 432 – This client had a bad Experian score
  • Transunion: 405 – Natasha had a bad credit score with Transunion.
  • Equifax: Natasha’s Experian score was 419, which is a bad credit score on the Experian rating scheme.

Previous requests on Natasha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$71210.00 6 5.6% $1166.76 The People’s Bank of Oxford November 19, 2011
$71270.00 4 8.4% $1753.32 First Lehigh Bank March 5, 2014
$71200.00 11 8.1% $816.62 SunBank November 17, 2014
$70890.00 8 7.8% $994.96 Merchants Bank (North) May 8, 2015
$71470.00 10 7.1% $833.52 Green Ridge Bank May 25, 2015
Client Profile: Natasha Leisure of Bowmanstown, Pennsylvania
  • Full name (Changed if requested): Natasha Leisure
  • Current Credit: loans.hit.utils.Fico@37a71e93
  • Current City: Bowmanstown
  • State: Pennsylvania
  • Zip code: 18039
  • Yearly income: $44,000
  • Current Job: transportation systems design engineer
  • Current County: Carbon
  • Goal Yearly Income: $92,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Fast Loans for Natasha in Bowmanstown, Pennsylvania to prevent bankruptcy or harm from debt collectors.

Fast loans in Bowmanstown, Pennsylvania aren’t actually that difficult to obtain, particularly if you have some finesse like Natasha. Natasha was able to find a fast loan for $78000 from Wayne Bank and First Columbia Bank & Trust Co., but turned down both offers in favor of their auto loan from Tri-County 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 5 weeks for debt consolidation loans. A big improvement if a client is in a pinch.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $39,000.00 to $47,000.00. They are mainly used to pay off existing high interest loans like credit cards. Natasha needed a debt consolidation loan to pay for their existing auto loan and their credit card. Natasha was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.5%.

When Natasha was 24, they tried to obtain a student loan from 4 different banks, which damaged their credit score. Below is a chronology of Natasha’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on May 14, 2011
  • Attempt 2) Loan for $27,000.00 on August 7, 2013
  • Attempt 3) Loan for $29,000.00 on August 17, 2011
  • Attempt 4) Loan for $21,000.00 on October 14, 2009

Multiple other requests for credit have been made by Natasha in the past, including one from Second Federal Savings and Loan Association in Bowmanstown, Pennsylvania before Natasha was approved for the $78000 by Tri-County Bank

Natasha made 5 prior attempts to obtain an auto loan, 2 of which were with Second Federal Savings and Loan Association, a lender in Bowmanstown, Pennsylvania known to specialize in auto loans specifically. Prior to finding Tri-County Bank, Natasha was very concerned due to their inexperience and bad credit score.

Signature Loan found in Bowmanstown, Pennsylvania for $78000 with bad credit by Natasha

A lot of prospective borrowers have difficulty with obtaining signature loans in Bowmanstown, Pennsylvania, and Natasha is no exception. Natasha went to 8 lending institutions or more prior to settling on Tri-County Bank, who offered Natasha a signature loan for $78000. Typical signature loans simply need a client, like Natasha’s signature to obtain them, up to $35,000 in some cases. Natasha was able to get $78000 as a auto loan, which is very high for an auto loan. Since signature loans do not need a cosigner, these loans tend to require better credit, as high as 765

Natasha’s Transunion score was altered by the auto loan loan, changing to 405 from 419, which is normal in our experience.

Transunion Score: 405

Personal Loan for a transportation systems design engineer named Natasha in Bowmanstown, Pennsylvania to Pay Off Stanford Federal Credit Union Classic Visa Rewards Card

Natasha had a lot of credit card debt on their Shell Small Business Card and their Shell Drive for Five Card, and they were starting to get in over their heads. Despite Natasha’s job as a transportation systems design engineer, 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 Natasha for this auto loan of $78000, provided by Tri-County Bank

Hi, I am Natasha and my hometown is Bowmanstown in Pennsylvania. Carbon, county is where I grew up, and now I need a auto loan in Pennsylvania for $78000 to pay bills. It has been difficult, but Tri-County Bank really came through for me with this loan for 11.0% interest APR and a term of 4 years. I will repay the loan over the 4 year term, including interest. A big thanks to Tri-County Bank for trusting me and my bad credit. It look me 4 years to build my credit to 419, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Natasha was declined by The Schuylkill Haven Trust Company 6 times before being approved by Tri-County Bank at 512 Bank Street

On January 2, 2012, Natasha inquired about borrowing $33,000 from Provident National Bank with Chanel, their in law from just outside Bowmanstown, and even with the co-signer, Natasha was rejected for this auto loan. With bad credit, it can be very hard to procure financing, even with collateral and a co-signer.

7 Months Ago, Natasha Attempted Finding a High Risk Loan for $46,000.00, and it was Easy

It is an existing struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Natasha. Natasha chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Clients with credit scores as low as 366 can apply for a high risk loan and have a chance to be approved.

Contact Details for Tri-County Bank, the provider of this auto loan

  • Tri-County Bank
  • City: Bowmanstown
  • State: Pennsylvania
  • Address: 512 Bank Street
  • County: Carbon
  • Zip code: 18030

Before applying for this auto loan, Natasha had an Experian score of 432, which is bad, so Tri-County Bank most likely cannot provide Natasha an auto loan

Experian Score: 432

Installment loan for Natasha, a graduate of Texas Woman’s University and a transportation systems design engineer working for over $74,000 per year

Natasha, an alumnus at Texas Woman’s University and a transportation systems design engineer in Bowmanstown, Pennsylvania wants an auto loan to purchase a house. Natasha has instead chosen to get an installment loan for $27,000 and is currently seeking lenders like Farmers and Merchants Bank of Cherry Tree, Pa. to provide it.

Natasha has a low current total income, but has a high number of prospects

Natasha has always wanted to be a missing person investigator, but would have to attend Texas Woman’s University again to achieve it. Natasha has other prospects as well, including excavating supervisor, railroad inspector, and legal secretary, which pay $52,000 through to $102,000 per year, on average. Because of this, we think that Natasha can pay for this auto loan of $78000.

Natasha’s Overall FICO score at the time of acceptance for an auto loan, taking into account their transportation systems design engineer job and their future job as a missing person investigator

Fico Score: 419

Conclusion of Natasha’s auto loan

In the end, Natasha was able to find an auto loan for $78000 with an interest rate of 8.3% interest APR from Tri-County Bank in Bowmanstown, Pennsylvania repayable over 4 years from now.

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.