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Auto Loan With Low APR In Alameda County, California

$44000 Auto Loan – Oakland California, Credit Rating Of 544

  • Experian: 559 – The client had a fair Experian rating
  • Transunion: 529 – Bonita had a fair credit score with Transunion.
  • Equifax: Bonita’s Experian score was 544, which is a fair credit rating using the Experian system.

Before applying for this auto loan, Bonita had an Experian score of 559, which is fair, so World Savings and Loan Association, A Federal Savings and Loan Associati probably cannot provide Bonita an auto loan

Experian Score: 559

Bonita has a low current yearly income, but has several of prospects

Bonita has always wanted to be a business service specialist, but would have to attend Massachusetts Eye & Ear Infirmity Residency in Ocular Disease & Cornea/Contact Lenses again to become one. Bonita has other prospects as well, including sport’s/entertainment agent, probation officer, and social worker, which pay $52,000 through to $105,000 per year, on average. Because of this, we believe that Bonita can afford this auto loan of $44000.

9 Months in the Past, Bonita Attempted to Find a High Risk Loan for $24,000.00, and it was Easy

It is an existing struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Bonita. Bonita chose not to get a high risk loan this time. High Risk loans are given to very low credit clients. Borrowers with credit scores as low as 317 can apply for a high risk loan and have a chance to be accepted.

Paraphrased and Standardized Quote from Bonita for this auto loan of $44000, provided by World Savings and Loan Association, A Federal Savings and Loan Associati

Hello, I am Bonita and I am from Oakland in California. Alameda, county is where I grew up, and now I need a auto loan in California for $44000 to pay bills. It has been difficult, but World Savings and Loan Association, A Federal Savings and Loan Associati really came through for me with this loan for 9.4% interest APR and a term of 1 years. I can repay the loan over the 1 year term, including interest. A big thanks to World Savings and Loan Association, A Federal Savings and Loan Associati for trusting me and my fair credit. It look me 7 years to create my credit to 544, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

Client Profile: Bonita Weidower of Oakland, California
  • Full name (Changed if requested): Bonita Weidower
  • Current Credit: loans.hit.utils.Fico@6576fe71
  • Current City: Oakland
  • State: California
  • Zip code: 94618
  • Yearly income: $57,000
  • Current Job: utility meter reader
  • Current County: Alameda
  • Goal Yearly Income: $106,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Installment loan for Bonita, a graduate of Massachusetts Eye & Ear Infirmity Residency in Ocular Disease & Cornea/Contact Lenses and an utility meter reader working for over $68,000 per year

Bonita, an alumnus at Massachusetts Eye & Ear Infirmity Residency in Ocular Disease & Cornea/Contact Lenses and an utility meter reader in Oakland, California wants an auto loan to purchase a house. Bonita has instead decided to get an installment loan for $16,000 and is currently seeking lenders like First Northern Bank of Dixon to provide it.

Previous requests on Bonita’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$72290.00 3 10.1% $2335.99 Santa Monica Bank July 6, 2012
$71840.00 5 10.5% $1544.12 Farmers and Merchants Bank of Long Beach June 5, 2014
$72170.00 3 7.1% $2231.7 First Interstate Bank of California August 6, 2014
$72100.00 5 11.7% $1592.92 Union Bank October 28, 2014

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

Most debt consolidation loans vary from $25,000.00 to $49,000.00. They are normally used to pay off existing high interest loans like credit cards. Bonita required a debt consolidation loan to pay for their existing auto loan and their payday loan. Bonita was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your dirty, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 3.4%.

Signature Loan found in Oakland, California for $44000 with fair credit by Bonita

Most borrowers struggle with finding signature loans in Oakland, California, and Bonita is not an exception. Bonita went to 5 lenders or more before settling on World Savings and Loan Association, A Federal Savings and Loan Associati, who offered Bonita a signature loan for $44000. Most signature loans simply require a client, like Bonita’s signature to get them, up to $26,000 in some cases. Bonita was able to get $44000 as a auto loan, which is very high for an auto loan. Since signature loans do not need a cosigner, these loans tend to need better credit, as high as 734

Personal Loan for an utility meter reader named Bonita in Oakland, California to Pay Off Natiional Trust for Historic Preservation Rewards American Express Card

Bonita had a tonne of credit card debt on their Korean Air SKYPASS Visa Signature Card and their RBC Business Cash Back MasterCard, and they were starting to get in over their heads. Despite Bonita’s job as an utility meter reader, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Contact Details for World Savings and Loan Association, A Federal Savings and Loan Associati, the provider of this auto loan

  • World Savings and Loan Association, A Federal Savings and Loan Associati
  • City: Oakland
  • State: California
  • Address: 1970 Broadway
  • County: Alameda
  • Zip code: 94612

Fast Loans for Bonita in Oakland, California to prevent bankruptcy or harm from debt collectors.

Fast loans in Oakland, California aren’t actually that difficult to obtain, particularly if you have some finesse like Bonita. Bonita was able to find a fast loan for $44000 from Farmers and Merchants Bank of Long Beach and Bank of Sonoma County, but turned down both offers in favor of their auto loan from World Savings and Loan Association, A Federal Savings and Loan Associati. 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 6 weeks for personal loans. A big improvement if a borrower is in a pinch.

Bonita’s Transunion score was altered by the auto loan loan, changing to 529 from 544, which is normal in our experience.

Transunion Score: 529

Multiple other requests for credit have been made by Bonita in the past, including one from United Federal Savings and Loan Association in Oakland, California before Bonita was approved for the $44000 by World Savings and Loan Association, A Federal Savings and Loan Associati

Bonita made 9 prior attempts to obtain an auto loan, 2 of which were with United Federal Savings and Loan Association, a lender in Oakland, California known to specialize in auto loans specifically. Before finding World Savings and Loan Association, A Federal Savings and Loan Associati, Bonita was very concerned due to their inexperience and fair credit rating.

When Bonita was 21, they tried to obtain a student loan from 6 alternate lenders, which damaged their credit rating. Below is a list of Bonita’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $36,000.00 on January 14, 2009
  • Attempt 2) Loan for $22,000.00 on October 7, 2009
  • Attempt 3) Loan for $20,000.00 on December 19, 2012
  • Attempt 4) Loan for $26,000.00 on March 11, 2009
  • Attempt 5) Loan for $20,000.00 on August 2, 2011
  • Attempt 6) Loan for $23,000.00 on December 16, 2009

Bonita was not approved by Citizens Commercial Trust and Savings Bank of Pasadena 6 times prior to being accepted by World Savings and Loan Association, A Federal Savings and Loan Associati at 1970 Broadway

On December 18, 2010, Bonita inquired about borrowing $38,000 from Central Bank with Maile, their friend from just outside Oakland, and even with the co-signer, Bonita was rejected for this auto loan. With fair credit, it can be very hard to procure financing, even with collateral and a co-signer.

Bonita’s Overall FICO score at the time of acceptance for an auto loan, taking into account their utility meter reader job and their future job as a business service specialist

Fico Score: 544

Conclusion of Bonita’s auto loan

In the end, Bonita was able to find an auto loan for $44000 with an interest rate of 10.3% interest APR from World Savings and Loan Association, A Federal Savings and Loan Associati in Oakland, California repayable over 1 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.