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Judson Needed An Auto Loan For $52000, Branson, Missouri

$52000 Auto Loan – Branson Missouri, Credit Rating Of 578

  • Experian: 591 – They had a fair Experian rating
  • Transunion: 560 – Judson had a fair credit score with Transunion.
  • Equifax: Judson’s Experian score was 578, which is a fair credit rating with the Experian scale.

Installment loan for Judson, a graduate of Philadelphia College of Osteopathic Medicine and a sport’s/entertainment agent working for over $78,000 per year

Judson, an alumnus at Philadelphia College of Osteopathic Medicine and a sport’s/entertainment agent in Branson, Missouri wants an auto loan to purchase something frivolous. Judson has instead decided to obtain an installment loan for $23,000 and is currently seeking lenders like Normandy Bank to provide it.

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

Judson has always wanted to be a conservation scientist, but would need attend Philadelphia College of Osteopathic Medicine again to achieve it. Judson has other prospects as well, including hotel convention/events coordinator, railroad inspector, and government budget analyst, which pay $56,000 through to $94,000 per year, at least. Because of this, we believe that Judson can pay for this auto loan of $52000.

Previous requests on Judson’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$62710.00 5 11.6% $1382.31 Camden County Bank July 29, 2010
$63170.00 8 11.7% $1016.31 Glasgow Savings Bank March 4, 2011
$63140.00 7 10.1% $1051.46 Central Bank June 9, 2011
$62610.00 3 10.6% $2037.93 Midwest BankCentre November 9, 2011

Many previous requests for credit have been made by Judson in the past, including one from First RepublicBank Brownwood, National Association in Branson, Missouri before Judson was accepted for the $52000 by Central Bank of Branson

Judson made 7 prior attempts to obtain an auto loan, 2 of which were with First RepublicBank Brownwood, National Association, a lender in Branson, Missouri known to specialize in auto loans specifically. Before finding Central Bank of Branson, Judson was desperate due to their inexperience and fair credit rating.

Paraphrased and Standardized Quote from Judson for this auto loan of $52000, provided by Central Bank of Branson

Hi, I am Judson and my hometown is Branson in Missouri. Taney, county is where I grew up, and now I need a auto loan in Missouri for $52000 to pay bills. It has been difficult, but Central Bank of Branson really came through for me with this loan for 7.1% interest APR and a term of 7 years. I can probably repay the loan over the 7 year term, including interest. A big thanks to Central Bank of Branson for trusting me and my fair credit. It look me 8 years to build my credit to 578, and I won’t tarnish it any future. I’m happy with Find Texas Loans for assisting me this far.

8 Months Ago, Judson Attempted to Find a High Risk Loan for $38,000.00, and it was Hard

There is an well known struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Judson. Judson chose not to get a high risk loan this time. High Risk loans are given to very low credit borrowers. Clients with credit ratings as low as 390 can apply for a high risk loan and may be be approved.

Contact Details for Central Bank of Branson, the provider of this auto loan

  • Central Bank of Branson
  • City: Branson
  • State: Missouri
  • Address: 400 South Commercial Street
  • County: Taney
  • Zip code: 65616

Judson was not approved by Mercantile Bank of St. Louis National Association 7 times prior to being granted funding by Central Bank of Branson at 400 South Commercial Street

On July 16, 2013, Judson applied about borrowing $28,000 from Commerce Bank of Tower Grove with Annabel, their friend from just outside Branson, and even with the co-signer, Judson was rejected for this auto loan. With fair credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Personal Loan for a sport’s/entertainment agent named Judson in Branson, Missouri to Pay Off Washington Nationals World MasterCard with Extra Bases Rewards

Judson had a tonne of credit card debt on their First Niagara Bank Business MasterCard and their Priceline.com Rewards Visa Signature Card, and they were starting to get in over their heads. Despite Judson’s job as a sport’s/entertainment agent, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Judson’s Overall FICO score at the time of acceptance for an auto loan, taking into account their sport’s/entertainment agent job and their future job as a conservation scientist

Fico Score: 578

Signature Loan acquired in Branson, Missouri for $52000 with fair credit by Judson

Most prospective borrowers struggle with finding signature loans in Branson, Missouri, and Judson is no exception. Judson went to 7 lenders or more before settling on Central Bank of Branson, who offered Judson a signature loan for $52000. Most signature loans simply require a client, like Judson’s signature to get them, up to $40,000 in some cases. Judson was able to get $52000 as a auto loan, which is very high for an auto loan. Because signature loans don’t require collateral, they tend to need higher credit, as high as 700

When Judson was 20, they attempted to obtain a student loan from 4 alternate banks, which damaged their credit rating. Below is a list of Judson’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on February 5, 2012
  • Attempt 2) Loan for $29,000.00 on January 10, 2010
  • Attempt 3) Loan for $24,000.00 on January 19, 2009
  • Attempt 4) Loan for $28,000.00 on October 11, 2010

Fast Loans for Judson in Branson, Missouri to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Branson, Missouri aren’t actually that difficult to obtain, particularly if you have some gumption like Judson. Judson was able to find a fast loan for $52000 from Central Bank and Commerce Bank of St. Louis, National Association, but turned down both offers in favor of their auto loan from Central Bank of Branson. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big difference if you are on the go.

Before applying for this auto loan, Judson had an Experian score of 591, which is fair, so Central Bank of Branson likely cannot provide Judson an auto loan

Experian Score: 591

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $21,000.00 to $57,000.00. They are normally used to pay off existing high interest loans like credit cards. Judson needed a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Judson 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 bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.7%.

Judson’s Transunion score was changed by the auto loan loan, changing to 560 from 578, which is normal in our experience.

Transunion Score: 560

Client Profile: Judson Cecchi of Branson, Missouri
  • Full name (Changed if requested): Judson Cecchi
  • Current Credit: loans.hit.utils.Fico@41cf53f9
  • Current City: Branson
  • State: Missouri
  • Zip code: 65622
  • Yearly income: $34,000
  • Current Job: sport’s/entertainment agent
  • Current County: Taney
  • Goal Yearly Income: $89,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Conclusion of Judson’s auto loan

In the end, Judson was able to find an auto loan for $52000 with an interest rate of 8.3% interest APR from Central Bank of Branson in Branson, Missouri repayable over 7 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.