$32000 Auto Loan – Helena Montana, Credit Score Of 554
- Experian: 573 – They had a fair Experian score
- Transunion: 540 – Tammara had a fair credit score with Transunion.
- Equifax: Tammara’s Experian score was 554, which is a fair credit rating on the Experian system.
Personal Loan for a health care facilities inspector named Tammara in Helena, Montana to Pay Off Bangor Savings Bank Visa Platinum Card
Tammara had a lot of credit card debt on their CFCU Rewards Visa and their Fifth Third Secured Card, and they were starting to get in over their heads. Despite Tammara’s job as a health care facilities inspector, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Tammara was rejected by The Bank of Baker 6 times before being approved by Home Federal Savings and Loan Association at 321 Fuller Ave
On February 11, 2012, Tammara applied about borrowing $16,000 from Security State Bank and Trust Company with Bernarda, their in law from just outside Helena, and even with the co-signer, Tammara was rejected for this auto loan. With fair credit, it can be difficult to obtain funding, even with collateral and a co-signer.
Installment loan for Tammara, a graduate of Cabrini College and a health care facilities inspector working for over $79,000 per year
Tammara, an alumnus at Cabrini College and a health care facilities inspector in Helena, Montana wants an auto loan to purchase a house. Tammara has instead decided to get an installment loan for $4,000 and is at present seeking lenders like Farmers State Bank to process their request.
Signature Loan easily acquired in Helena, Montana for $32000 with fair credit by Tammara
Most prospective borrowers struggle with obtaining signature loans in Helena, Montana, and Tammara is not an exception. Tammara went to 5 lending institutions or more prior to settling on Home Federal Savings and Loan Association, who offered Tammara a signature loan for $32000. Most signature loans simply need a client, like Tammara’s signature to get them, up to $46,000 in some cases. Tammara was able to get $32000 as a auto loan, which is very high for an auto loan. Since signature loans don’t require a cosigner, these loans generally require better credit, as high as 735
Tammara’s Transunion score was changed by the auto loan loan, changing to 540 from 554, which is normal in our experience.
Fast Loans for Tammara in Helena, Montana to prevent bankruptcy or harm from debt collectors.
Fast loans in Helena, Montana aren’t actually that difficult to obtain, especially if you have some finesse like Tammara. Tammara was able to find a fast loan for $32000 from The Whitehall State Bank and Stockman Bank, National Association, but turned down both offers in favor of their auto loan from Home Federal Savings and Loan Association. The improvement with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference in the case that a client is on the go.
Several previous requests for credit have been made by Tammara in the past, including one from Chula Vista Federal Savings and Loan Association in Helena, Montana before Tammara was accepted for the $32000 by Home Federal Savings and Loan Association
Tammara made 4 prior attempts to obtain an auto loan, 2 of which were with Chula Vista Federal Savings and Loan Association, a lending institution in Helena, Montana known to specialize in auto loans specifically. Prior to finding Home Federal Savings and Loan Association, Tammara was very concerned due to their inexperience and fair credit score.
Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans vary from $37,000.00 to $59,000.00. They are mainly used to pay off existing high interest loans like credit cards. Tammara required a debt consolidation loan to pay for their existing auto loan and their payday loan. Tammara was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.0%.
When Tammara was 22, they attempted to obtain a student loan from 4 different lenders, which harmed their credit score. Below is a list of Tammara’s previous attempts at finding a student loan:
- Attempt 1) Loan for $39,000.00 on September 17, 2010
- Attempt 2) Loan for $38,000.00 on October 12, 2010
- Attempt 3) Loan for $28,000.00 on April 25, 2014
- Attempt 4) Loan for $32,000.00 on October 18, 2009
- Full name (Changed if requested): Tammara Whaltey
- Current Credit: loans.hit.utils.Fico@2d8e6db6
- Current City: Helena
- State: Montana
- Zip code: 59608
- Yearly income: $52,000
- Current Job: health care facilities inspector
- Current County: Lewis And Clark
- Goal Yearly Income: $122,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000
6 Months Ago, Tammara Tried Finding a High Risk Loan for $42,000.00, and it was Easy
It is an ongoing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Tammara. Tammara chose not to obtain a high risk loan this time. High Risk loans are given to very low credit individuals. Borrowers with credit scores as low as 402 can inquire for a high risk loan and have a chance to be accepted.
Before applying for this auto loan, Tammara had an Experian score of 573, which is fair, so Home Federal Savings and Loan Association likely cannot provide Tammara an auto loan
Paraphrased and Standardized Quote from Tammara for this auto loan of $32000, provided by Home Federal Savings and Loan Association
Hi, I am Tammara and my hometown is Helena in Montana. Lewis And Clark, county is where I grew up, and now I need a auto loan in Montana for $32000 to buy a car. It has been difficult, but Home Federal Savings and Loan Association really came through for me with this loan for 5.6% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to Home Federal Savings and Loan Association for giving me a chance and my fair credit. It look me 5 years to build my credit to 554, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.
Contact Details for Home Federal Savings and Loan Association, the provider of this auto loan
- Home Federal Savings and Loan Association
- City: Helena
- State: Montana
- Address: 321 Fuller Ave
- County: Lewis And Clark
- Zip code: 59601
Tammara has a very low current total income, but has a large amount of prospects
Tammara has always wanted to be a book editor, but would need attend Cabrini College again to become one. Tammara has other prospects as well, including middle school guidance counselor, congressional aide, and dairy technologist, which pay $51,000 through to $106,000 per year, at least. Because of this, we believe that Tammara can pay for this auto loan of $32000.
Tammara’s Overall FICO score at the time of acceptance for an auto loan, taking into account their health care facilities inspector job and their future career as a book editor
Previous requests on Tammara’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$53620.00||9||10.7%||$775.37||Western Bank of Wolf Point||December 30, 2010|
|$53880.00||5||9.6%||$1134.22||Farmers State Bank||October 22, 2013|
|$54370.00||7||10.4%||$913.88||Bank of Montana Shelby||March 20, 2014|
|$53780.00||10||6.8%||$618.9||Security State Bank, Harlem, Montana||June 13, 2014|
Conclusion of Tammara’s auto loan
In the end, Tammara was able to find an auto loan for $32000 with an interest rate of 7.7% interest APR from Home Federal Savings and Loan Association in Helena, Montana repayable over 21 years from now.