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$81000 Auto Loan In San Leandro California With Credit Score 848 For Beulah

$81000 Auto Loan – San Leandro California, Credit Score Of 848

  • Experian: 860 – This individual had an excellent Experian score
  • Transunion: 832 – Beulah had an excellent credit rating with Transunion.
  • Equifax: Beulah’s Experian score was 848, which is an excellent credit score on the Experian system.

Installment loan for Beulah, a graduate of University of North Dakota and a financial analyst working for over $72,000 per year

Beulah, an alumnus at University of North Dakota and a financial analyst in San Leandro, California wants an auto loan to purchase a car. Beulah has instead chosen to get an installment loan for $4,000 and is currently seeking lenders like Santa Monica Bank to provide it.

Multiple other requests for credit have been made by Beulah in the past, including one from Texas National Bank in San Leandro, California before Beulah was accepted for the $81000 by Commercial National Bank of San Leandro

Beulah made 7 previous attempts to obtain an auto loan, 2 of which were with Texas National Bank, a lender in San Leandro, California known to specialize in auto loans specifically. Before finding Commercial National Bank of San Leandro, Beulah was concerned due to their inexperience and excellent credit rating.

Contact Details for Commercial National Bank of San Leandro, the provider of this auto loan

  • Commercial National Bank of San Leandro
  • City: San Leandro
  • State: California
  • Address: 1601 Washington Avenue
  • County: Alameda
  • Zip code: 94577

When Beulah was 22, they attempted to obtain a student loan from 5 alternate banks, which damaged their credit score. Below is a list of Beulah’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on February 17, 2012
  • Attempt 2) Loan for $38,000.00 on September 21, 2009
  • Attempt 3) Loan for $27,000.00 on April 7, 2010
  • Attempt 4) Loan for $39,000.00 on October 16, 2008
  • Attempt 5) Loan for $26,000.00 on September 10, 2010

Before applying for this auto loan, Beulah had an Experian score of 860, which is excellent, so Commercial National Bank of San Leandro most likely cannot provide Beulah an auto loan

Experian Score: 860

Paraphrased and Standardized Quote from Beulah for this auto loan of $81000, provided by Commercial National Bank of San Leandro

Hello, I am Beulah and my hometown is San Leandro in California. Alameda, county is where I grew up, and now I need a auto loan in California for $81000 to avoid bankruptcy. It has been difficult, but Commercial National Bank of San Leandro really came through for me with this loan for 6.5% interest APR and a term of 14 years. I can repay the loan over the 14 year term, including interest. A big thanks to Commercial National Bank of San Leandro for giving me a chance and my excellent credit. It look me 6 years to create my credit to 848, and I won’t harm it any more. I am pleased with Find Texas Loans for helping me this far.

Fast Loans for Beulah in San Leandro, California to prevent bankruptcy or harm from debt collectors.

Fast loans in San Leandro, California aren’t actually that difficult to obtain, especially if you have some gumption like Beulah. Beulah was able to find a fast loan for $81000 from Citizens Commercial Trust and Savings Bank of Pasadena and Central Bank, but turned down both offers in favor of their auto loan from Commercial National Bank of San Leandro. The difference 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 installment loans. A big improvement in the case that a client is in a time sensitive situation.

8 Months in the Past, Beulah Tried to Find a High Risk Loan for $21,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Beulah. Beulah chose not to obtain a high risk loan this time. High Risk loans are given to bad credit borrowers. Borrowers with credit scores as low as 582 can apply for a high risk loan and may be be accepted.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $37,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Beulah required a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Beulah was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.5%.

Personal Loan for a financial analyst named Beulah in San Leandro, California to Pay Off Fifth Third Business MasterCard

Beulah had a tonne of credit card debt on their Glens Falls National Bank & Trust Maximum Rewards Visa Card and their The Swedish-American Chambers of Commerce, Inc. Visa Platinum Rewards Card, and they were starting to get in over their heads. Despite Beulah’s job as a financial analyst, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Beulah’s Overall FICO score at the time of acceptance for an auto loan, taking into account their financial analyst job and their future job as a preschool administrator

Fico Score: 848

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

Beulah has always wanted to be a preschool administrator, but would have to attend University of North Dakota again to achieve it. Beulah has other prospects as well, including farm hand, civil drafter, and communication equipment mechanic, which pay $52,000 through to $104,000 per year, on average. For this reason, we think that Beulah can afford this auto loan of $81000.

Signature Loan found in San Leandro, California for $81000 with excellent credit by Beulah

A lot of borrowers have difficulty with finding signature loans in San Leandro, California, and Beulah is no exception. Beulah went to 8 lenders or more prior to settling on Commercial National Bank of San Leandro, who offered Beulah a signature loan for $81000. Typical signature loans simply need a client, like Beulah’s signature to obtain them, up to $32,000 in some cases. Beulah was able to get $81000 as a auto loan, which is very high for an auto loan. Because signature loans do not need a cosigner, they generally need improved credit, as high as 726

Client Profile: Beulah Towler of San Leandro, California
  • Full name (Changed if requested): Beulah Towler
  • Current Credit: loans.hit.utils.Fico@3d494fbf
  • Current City: San Leandro
  • State: California
  • Zip code: 94584
  • Yearly income: $38,000
  • Current Job: financial analyst
  • Current County: Alameda
  • Goal Yearly Income: $109,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Previous requests on Beulah’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$57740.00 9 7.2% $727.98 Santa Monica Bank June 17, 2011
$58390.00 11 6.6% $623.35 Farmers and Merchants Bank of Long Beach August 25, 2011
$58250.00 10 7.3% $685.37 First Interstate Bank of California February 16, 2013
$58470.00 7 7.6% $899.72 Union Bank June 7, 2014
$58180.00 10 10.3% $778.55 Citizens Commercial Trust and Savings Bank of Pasadena October 21, 2014

Beulah’s Transunion score was changed by the auto loan loan, changing to 832 from 848, which is normal in our experience.

Transunion Score: 832

Beulah was not approved by The First National Bank of Holtville 6 times prior to being granted funding by Commercial National Bank of San Leandro at 1601 Washington Avenue

On March 27, 2011, Beulah applied about borrowing $16,000 from Farmers and Merchants Bank of Long Beach with Jodee, their in law from just outside San Leandro, and even with the co-signer, Beulah was rejected for this auto loan. With excellent credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Conclusion of Beulah’s auto loan

In the end, Beulah was able to find an auto loan for $81000 with an interest rate of 9.1% interest APR from Commercial National Bank of San Leandro in San Leandro, California repayable over 14 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.