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Auto Loan For $88000 Near 1075, Massachusetts With A Credit Score Of 336

$88000 Auto Loan – South Hadley Massachusetts, Credit Rating Of 336

  • Experian: 347 – This client had a terrible Experian rating
  • Transunion: 318 – Aurora had a terrible credit rating with Transunion.
  • Equifax: Aurora’s Experian score was 336, which is a terrible credit rating with the Experian scale.

Aurora was declined by Shawmut First County Bank, N. A. 6 times before being approved by Hampshire National Bank of South Hadley at 5 College Street

On March 13, 2009, Aurora inquired about borrowing $42,000 from Bank of New England, National Association with Rosalee, their friend from just outside South Hadley, and even with the co-signer, Aurora was rejected for this auto loan. With terrible credit, it can be very hard to procure funding, even with collateral and a co-signer.

Signature Loan acquired in South Hadley, Massachusetts for $88000 with terrible credit by Aurora

A lot of prospective borrowers have difficulty with obtaining signature loans in South Hadley, Massachusetts, and Aurora is no exception. Aurora went to 8 lending institutions or more before finding Hampshire National Bank of South Hadley, who offered Aurora a signature loan for $88000. Most signature loans simply need a client, like Aurora’s signature to get them, up to $31,000 in some cases. Aurora was able to get $88000 as a auto loan, which is very high for an auto loan. Since signature loans do not need collateral, these loans generally need higher credit, as high as 759

Aurora’s Transunion score was altered by the auto loan loan, changing to 318 from 336, which is typical in our experience.

Transunion Score: 318

Contact Details for Hampshire National Bank of South Hadley, the provider of this auto loan

  • Hampshire National Bank of South Hadley
  • City: South Hadley
  • State: Massachusetts
  • Address: 5 College Street
  • County: Hampshire
  • Zip code: 1075

6 Months in the Past, Aurora Tried Finding a High Risk Loan for $46,000.00, 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 manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Aurora. Aurora decided not to obtain a high risk loan this time. High Risk loans are given to bad credit individuals. Individuals with credit scores as low as 389 can inquire for a high risk loan and may be be accepted.

Fast Loans for Aurora in South Hadley, Massachusetts to prevent bankruptcy or harm from debt collectors.

Fast loans in South Hadley, Massachusetts aren’t actually that difficult to obtain, particularly if you have some gumption like Aurora. Aurora was able to find a fast loan for $88000 from The Buzzards Bay National Bank and Bank of New England – Hancock, but declined both offers in favor of their auto loan from Hampshire National Bank of South Hadley. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement if a borrower is in a pinch.

Installment loan for Aurora, a graduate of Lincoln Land Community College and a ceramic engineer working for over $73,000 per year

Aurora, an alumnus at Lincoln Land Community College and a ceramic engineer in South Hadley, Massachusetts needs an auto loan to purchase a house. Aurora has instead chosen to get an installment loan for $16,000 and is currently seeking lenders like Northeast National Bank to provide it.

Aurora has a very low current total income, but has a large amount of prospects

Aurora has always wanted to be a solid waste disposal administrator, but would need attend Lincoln Land Community College again to become one. Aurora has other prospects as well, including city planning aide, automobile mechanic, and occupational physician, which pay $55,000 through to $107,000 per year, at least. For this reason, we believe that Aurora can afford this auto loan of $88000.

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $30,000.00 to $56,000.00. They are typically used to pay off existing high interest loans like credit cards. Aurora required a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Aurora was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.5%.

Multiple previous requests for credit have been made by Aurora in the past, including one from The Larkin Bank in South Hadley, Massachusetts before Aurora was approved for the $88000 by Hampshire National Bank of South Hadley

Aurora made 6 previous tries to obtain an auto loan, 2 of which were with The Larkin Bank, a bank in South Hadley, Massachusetts known to specialize in auto loans specifically. Before finding Hampshire National Bank of South Hadley, Aurora was desperate due to their inexperience and terrible credit score.

Aurora’s Overall FICO score at the time of acceptance for an auto loan, taking into account their ceramic engineer job and their future job as a solid waste disposal administrator

Fico Score: 336

Personal Loan for a ceramic engineer named Aurora in South Hadley, Massachusetts to Pay Off HSBC Platinum MasterCard with Rewards

Aurora had a tonne of credit card debt on their Popular Community Bank Platinum MasterCard and their OmniPeace Visa Platinum Rewards Card, and they were starting to get in over their heads. Despite Aurora’s job as a ceramic engineer, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Client Profile: Aurora Cusick of South Hadley, Massachusetts
  • Full name (Changed if requested): Aurora Cusick
  • Current Credit: loans.hit.utils.Fico@68de145
  • Current City: South Hadley
  • State: Massachusetts
  • Zip code: 1082
  • Yearly income: $61,000
  • Current Job: ceramic engineer
  • Current County: Hampshire
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Previous requests on Aurora’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$31410.00 6 9.1% $567.74 State Street Bank and Trust Company October 28, 2010
$30660.00 3 6.6% $941.09 United States Trust Company December 27, 2013
$31210.00 11 7.5% $347.93 BayBank Harvard Trust Company February 7, 2015
$31220.00 4 6.4% $738.94 Durfee Attleboro Bank March 17, 2015

Before applying for this auto loan, Aurora had an Experian score of 347, which is terrible, so Hampshire National Bank of South Hadley likely cannot provide Aurora an auto loan

Experian Score: 347

When Aurora was 22, they attempted to obtain a student loan from 4 different lenders, which harmed their credit rating. Below is a chronology of Aurora’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on November 22, 2011
  • Attempt 2) Loan for $36,000.00 on May 24, 2010
  • Attempt 3) Loan for $20,000.00 on August 31, 2010
  • Attempt 4) Loan for $22,000.00 on October 26, 2009

Paraphrased and Standardized Quote from Aurora for this auto loan of $88000, provided by Hampshire National Bank of South Hadley

Hello, I am Aurora and my hometown is South Hadley in Massachusetts. Hampshire, county is where I grew up, and now I need a auto loan in Massachusetts for $88000 to buy a car. It wasn’t easy, but Hampshire National Bank of South Hadley really came through for me with this loan for 5.8% interest APR and a term of 24 years. I can probably repay the loan over the 24 year term, including interest. A big thanks to Hampshire National Bank of South Hadley for trusting me and my terrible credit. It look me 4 years to create my credit to 336, and I won’t tarnish it any future. I am happy with Find Texas Loans for assisting me this far.

Conclusion of Aurora’s auto loan

In the end, Aurora was able to find an auto loan for $88000 with an interest rate of 9.6% interest APR from Hampshire National Bank of South Hadley in South Hadley, Massachusetts repayable over 24 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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