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Low Rate Auto Loan For Shawnna In Casey, Illinois

$48000 Auto Loan – Casey Illinois, Credit Rating Of 481

  • Experian: 498 – This individual had a bad Experian rating
  • Transunion: 466 – Shawnna had a bad credit score with Transunion.
  • Equifax: Shawnna’s Experian score was 481, which is a bad credit score with the Experian rating scheme.

7 Months in the Past, Shawnna Attempted Finding a High Risk Loan for $22,000.00, and it was Hard

There is an well known struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Shawnna. Shawnna chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit borrowers. Individuals with credit ratings as low as 358 can inquire for a high risk loan and possibly can be approved.

Client Profile: Shawnna Gripper of Casey, Illinois
  • Full name (Changed if requested): Shawnna Gripper
  • Current Credit: loans.hit.utils.Fico@1d56ce6a
  • Current City: Casey
  • State: Illinois
  • Zip code: 62422
  • Yearly income: $51,000
  • Current Job: parts salesperson
  • Current County: Clark
  • Goal Yearly Income: $85,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Personal Loan for a parts salesperson named Shawnna in Casey, Illinois to Pay Off Pacific Sunwear PacSun Credit Card

Shawnna had a lot of credit card debt on their Bangor Savings Bank College Rewards Visa Card and their Bank of America Cash Rewards for Business Visa Card, and they were starting to get in over their heads. Despite Shawnna’s job as a parts salesperson, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Previous requests on Shawnna’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$116190.00 7 7.2% $1765.0 The Gerber State Bank July 25, 2011
$116220.00 11 10.6% $1494.8 The Belvidere National Bank and Trust Company January 4, 2014
$116470.00 3 8.1% $3655.12 Commerce Bank February 6, 2015
$116110.00 4 6.1% $2732.17 Byron Bank March 6, 2015

Several other requests for credit have been made by Shawnna in the past, including one from First Federal Savings and Loan Association in Casey, Illinois before Shawnna was approved for the $48000 by Casey State Bank

Shawnna made 7 previous attempts to obtain an auto loan, 2 of which were with First Federal Savings and Loan Association, a lending institution in Casey, Illinois known to specialize in auto loans specifically. Prior to finding Casey State Bank, Shawnna was very concerned due to their inexperience and bad credit rating.

Shawnna’s Transunion score was changed by the auto loan loan, changing to 466 from 481, which is normal in our experience.

Transunion Score: 466

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

  • Casey State Bank
  • City: Casey
  • State: Illinois
  • Address: 305-307 North Central Avenue
  • County: Clark
  • Zip code: 62420

Fast Loans for Shawnna in Casey, Illinois to prevent bankruptcy or harm from debt collectors.

Fast loans in Casey, Illinois aren’t actually that difficult to obtain, particularly if you have some finesse like Shawnna. Shawnna was able to find a fast loan for $48000 from The Gerber State Bank and Commerce Bank of Woodford County, National Association, but turned down both offers in favor of their auto loan from Casey State Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference in the case that a client is in a pinch.

When Shawnna was 19, they tried to obtain a student loan from 6 different banks, which damaged their credit rating. Below is a chronology of Shawnna’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on April 5, 2012
  • Attempt 2) Loan for $30,000.00 on July 27, 2009
  • Attempt 3) Loan for $28,000.00 on August 28, 2009
  • Attempt 4) Loan for $38,000.00 on July 27, 2013
  • Attempt 5) Loan for $22,000.00 on April 22, 2012
  • Attempt 6) Loan for $26,000.00 on September 1, 2013

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $30,000.00 to $59,000.00. They are typically used to pay off existing high interest loans like credit cards. Shawnna required a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Shawnna was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.0%.

Shawnna has a disappointing current total income, but has a high number of prospects

Shawnna has always wanted to be a farm products purchasing agent, but would have to attend Mount Wachusett Community College again to achieve it. Shawnna has other possibilities as well, including hydraulic engineer, solid waste disposal administrator, and web art director, which pay $55,000 through to $99,000 per year, on average. For this reason, we think that Shawnna can pay for this auto loan of $48000.

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

Hello, I am Shawnna and my hometown is Casey in Illinois. Clark, county is where I grew up, and now I need a auto loan in Illinois for $48000 to buy a big ticket item. It wasn’t easy, but Casey State Bank really came through for me with this loan for 10.7% interest APR and a term of 19 years. I will repay the loan over the 19 year term, including interest. A big thanks to Casey State Bank for giving me a chance and my bad credit. It look me 5 years to build my credit to 481, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Shawnna was declined by Old Kent Bank 4 times prior to being accepted by Casey State Bank at 305-307 North Central Avenue

On July 7, 2011, Shawnna applied about borrowing $31,000 from Upper Avenue Bank with Lia, their in law from just outside Casey, and even with the co-signer, Shawnna was rejected for this auto loan. With bad credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Shawnna’s Overall FICO score at the time of acceptance for an auto loan, taking into account their parts salesperson job and their future career as a farm products purchasing agent

Fico Score: 481

Before applying for this auto loan, Shawnna had an Experian score of 498, which is bad, so Casey State Bank most likely cannot provide Shawnna an auto loan

Experian Score: 498

Signature Loan found in Casey, Illinois for $48000 with bad credit by Shawnna

A lot of prospective borrowers struggle with obtaining signature loans in Casey, Illinois, and Shawnna is no different. Shawnna went to 6 lending institutions or more before finding Casey State Bank, who offered Shawnna a signature loan for $48000. Typical signature loans simply need a client, like Shawnna’s signature to get them, up to $37,000 in some cases. Shawnna was able to get $48000 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 improved credit, as high as 748

Installment loan for Shawnna, a graduate of Mount Wachusett Community College and a parts salesperson working for over $61,000 per year

Shawnna, an alumnus at Mount Wachusett Community College and a parts salesperson in Casey, Illinois wants an auto loan to purchase a house. Shawnna has instead decided to obtain an installment loan for $8,000 and is currently seeking lenders like Central National Bank of Mattoon to process their request.

Conclusion of Shawnna’s auto loan

In the end, Shawnna was able to find an auto loan for $48000 with an interest rate of 9.8% interest APR from Casey State Bank in Casey, Illinois repayable over 19 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.