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Low Rate Auto Loan For Yukiko In New Waverly, Texas

$99000 Auto Loan – New Waverly Texas, Credit Score Of 780

  • Experian: 793 – This client had an excellent Experian rating
  • Transunion: 763 – Yukiko had an excellent credit rating with Transunion.
  • Equifax: Yukiko’s Experian score was 780, which is an excellent credit rating on the Experian rating scheme.

Personal Loan for a career counselor named Yukiko in New Waverly, Texas to Pay Off Merrill Lynch Access

Yukiko had a lot of credit card debt on their OneWest Bank Lakers Credit Card and their Lufthansa Premier Miles & More World MasterCard, and they were starting to get in over their heads. Despite Yukiko’s job as a career counselor, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Yukiko’s Overall FICO score at the time of acceptance for an auto loan, taking into account their career counselor job and their future job as a child life specialist

Fico Score: 780

Client Profile: Yukiko Ciganek of New Waverly, Texas
  • Full name (Changed if requested): Yukiko Ciganek
  • Current Credit: loans.hit.utils.Fico@65b3120a
  • Current City: New Waverly
  • State: Texas
  • Zip code: 77363
  • Yearly income: $46,000
  • Current Job: career counselor
  • Current County: Walker
  • Goal Yearly Income: $147,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Fast Loans for Yukiko in New Waverly, Texas to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in New Waverly, Texas aren’t actually that difficult to obtain, especially if you have some finesse like Yukiko. Yukiko was able to find a fast loan for $99000 from Farmers State Bank of Madisonville, Texas and Texas Commerce Bank – Rio Grande Valley, National Association, but turned down both offers in favor of their auto loan from Citizens Bank of Texas, National Association. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference if a borrower is on the go.

Signature Loan easily acquired in New Waverly, Texas for $99000 with excellent credit by Yukiko

Many prospective borrowers struggle with finding signature loans in New Waverly, Texas, and Yukiko is no exception. Yukiko went to 5 lending institutions or more before finding Citizens Bank of Texas, National Association, who offered Yukiko a signature loan for $99000. Typical signature loans simply need a client, like Yukiko’s signature to get them, up to $35,000 in some cases. Yukiko was able to get $99000 as a auto loan, which is very high for an auto loan. Since signature loans do not need collateral, these loans generally need better credit, as high as 737

Yukiko has a very low current yearly income, but has several of prospects

Yukiko has always wanted to be a child life specialist, but would have to attend Baker University again to achieve it. Yukiko has other prospects as well, including chief financial officer, family caseworker, and anesthesiologist, which pay $52,000 through to $98,000 per year, on average. Because of this, we believe that Yukiko can afford this auto loan of $99000.

Installment loan for Yukiko, a graduate of Baker University and a career counselor working for over $66,000 per year

Yukiko, an alumnus at Baker University and a career counselor in New Waverly, Texas wants an auto loan to purchase a house. Yukiko has instead chosen to obtain an installment loan for $3,000 and is at present seeking lenders like First State Bank of Matador to provide it.

Yukiko’s Transunion score was changed by the auto loan loan, changing to 763 from 780, which is typical in our experience.

Transunion Score: 763

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

Average debt consolidation loans vary from $24,000.00 to $48,000.00. They are normally used to pay off existing high interest loans like credit cards. Yukiko required a debt consolidation loan to pay for their existing auto loan and their credit card. Yukiko was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.5%.

Contact Details for Citizens Bank of Texas, National Association, the provider of this auto loan

  • Citizens Bank of Texas, National Association
  • City: New Waverly
  • State: Texas
  • Address: Highway 75 And Fm 1375
  • County: Walker
  • Zip code: 77358

Yukiko was rejected by First RepublicBank Forney 7 times before being approved by Citizens Bank of Texas, National Association at Highway 75 And Fm 1375

On November 28, 2009, Yukiko inquired about borrowing $2,000 from Vista Bank with Cathie, their friend from just outside New Waverly, and even with the co-signer, Yukiko was rejected for this auto loan. With excellent credit, it can be very hard to procure funding, even with collateral and a co-signer.

Before applying for this auto loan, Yukiko had an Experian score of 793, which is excellent, so Citizens Bank of Texas, National Association most likely cannot provide Yukiko an auto loan

Experian Score: 793

9 Months in the Past, Yukiko Attempted Finding a High Risk Loan for $45,000.00, and it was Easy

It is an well known struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Yukiko. Yukiko decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Individuals with credit ratings as low as 574 can apply for a high risk loan and have a chance to be approved.

Paraphrased and Standardized Quote from Yukiko for this auto loan of $99000, provided by Citizens Bank of Texas, National Association

Hi, I am Yukiko and I am from New Waverly in Texas. Walker, county is where I grew up, and now I need a auto loan in Texas for $99000 to buy a car. It has been difficult, but Citizens Bank of Texas, National Association really came through for me with this loan for 10.4% interest APR and a term of 16 years. I can probably repay the loan over the 16 year term, including interest. A big thanks to Citizens Bank of Texas, National Association for trusting me and my excellent credit. It look me 9 years to build my credit to 780, and I won’t tarnish it any more. I’m happy with Find Texas Loans for assisting me this far.

Previous requests on Yukiko’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$112690.00 8 6.5% $1508.49 Comerica Bank July 3, 2011
$113490.00 11 8.5% $1326.29 First Star Bank, S.S.B. November 25, 2013
$113250.00 9 5.5% $1331.82 Brownfield State Bank & Trust Co. March 26, 2014
$113410.00 8 5.8% $1479.35 First Bank & Trust, Bryan, Texas February 11, 2015
$112720.00 8 10.8% $1758.52 First Bank & Trust of Clarendon August 9, 2015

Many past requests for credit have been made by Yukiko in the past, including one from Northern Trust Bank, National Association in New Waverly, Texas before Yukiko was accepted for the $99000 by Citizens Bank of Texas, National Association

Yukiko made 8 previous attempts to obtain an auto loan, 2 of which were with Northern Trust Bank, National Association, a lending institution in New Waverly, Texas known to specialize in auto loans specifically. Before finding Citizens Bank of Texas, National Association, Yukiko was desperate due to their inexperience and excellent credit rating.

When Yukiko was 21, they attempted to obtain a student loan from 6 different banks, which damaged their credit rating. Below is a chronology of Yukiko’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on November 12, 2012
  • Attempt 2) Loan for $30,000.00 on August 9, 2012
  • Attempt 3) Loan for $36,000.00 on December 11, 2010
  • Attempt 4) Loan for $25,000.00 on June 28, 2011
  • Attempt 5) Loan for $28,000.00 on July 31, 2013
  • Attempt 6) Loan for $24,000.00 on August 5, 2010

Conclusion of Yukiko’s auto loan

In the end, Yukiko was able to find an auto loan for $99000 with an interest rate of 8.1% interest APR from Citizens Bank of Texas, National Association in New Waverly, Texas repayable over 16 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.