$105000 Auto Loan – New York New York, Credit Score Of 336
- Experian: 353 – They had a terrible Experian score
- Transunion: 323 – Laurie had a terrible credit score with Transunion.
- Equifax: Laurie’s Experian score was 336, which is a terrible credit rating with the Experian system.
Laurie was rejected by The State Bank of Belmont 4 times before being accepted by Eastbank, National Association at 183 Centre Street
On December 30, 2009, Laurie applied about borrowing $17,000 from Bank of Millbrook with Nilda, their friend from just outside New York, and even with the co-signer, Laurie was rejected for this auto loan. With terrible credit, it can be very hard to obtain funding, even with collateral and a co-signer.
Laurie’s Transunion score was changed by the auto loan loan, changing to 323 from 336, which is typical in our experience.
Paraphrased and Standardized Quote from Laurie for this auto loan of $105000, provided by Eastbank, National Association
Hello, I am Laurie and I’m from New York in New York. New York, county is where I grew up, and now I need a auto loan in New York for $105000 to renovate my home. It has been difficult, but Eastbank, National Association really came through for me with this loan for 10.0% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to Eastbank, National Association for trusting me and my terrible credit. It look me 9 years to build my credit to 336, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.
8 Months Ago, Laurie Attempted to Find a High Risk Loan for $48,000.00, 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 the like, which can be physically harmful to borrowers like Laurie. Laurie chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Individuals with credit ratings as low as 462 can inquire for a high risk loan and possibly can be approved.
Personal Loan for a scientific linguist named Laurie in New York, New York to Pay Off Animal Friends Visa Card
Laurie had a tonne of credit card debt on their US Bank Perks+ Visa Signature Card and their Chicago White Sox BankAmericard Cash Rewards MasterCard, and they were starting to get in over their heads. Despite Laurie’s job as a scientific linguist, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Installment loan for Laurie, a graduate of Adams State University and a scientific linguist working for over $76,000 per year
Laurie, an alumnus at Adams State University and a scientific linguist in New York, New York needs an auto loan to purchase a car. Laurie has instead chosen to get an installment loan for $4,000 and is currently seeking lenders like Bank of Avoca to process their request.
Signature Loan easily acquired in New York, New York for $105000 with terrible credit by Laurie
Most prospective borrowers have difficulty with finding signature loans in New York, New York, and Laurie is the same. Laurie went to 7 lenders or more before finding Eastbank, National Association, who offered Laurie a signature loan for $105000. Most signature loans simply require a client, like Laurie’s signature to get them, up to $25,000 in some cases. Laurie was able to get $105000 as a auto loan, which is very high for an auto loan. Because signature loans don’t require a cosigner, they generally need improved credit, as high as 718
Fast Loans for Laurie in New York, New York to prevent bankruptcy or broken legs from debt collectors.
Fast loans in New York, New York aren’t actually that difficult to obtain, especially if you have some finesse like Laurie. Laurie was able to find a fast loan for $105000 from Morgan Guaranty Trust Company of New York and The Bank of New York, but declined both offers in favor of their auto loan from Eastbank, National Association. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big improvement in the case that a client is in a time sensitive situation.
Several previous requests for credit have been made by Laurie in the past, including one from First Federal Savings and Loan Association in New York, New York before Laurie was approved for the $105000 by Eastbank, National Association
Laurie made 5 prior attempts to obtain an auto loan, 2 of which were with First Federal Savings and Loan Association, a bank in New York, New York known to specialize in auto loans specifically. Prior to finding Eastbank, National Association, Laurie was very concerned due to their inexperience and terrible credit score.
Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans range from $29,000.00 to $44,000.00. They are normally used to pay off existing high interest loans like credit cards. Laurie required a debt consolidation loan to pay for their existing auto loan and their payday loan. Laurie was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your dirty, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.3%.
Laurie’s Overall FICO score at the time of acceptance for an auto loan, taking into account their scientific linguist job and their future career as a criminal investigator
Previous requests on Laurie’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$130600.00||6||9.5%||$2386.67||Bankers Trust Company of Albany, National Association||June 5, 2010|
|$131290.00||3||11.4%||$4323.18||Montgomery County Trust Company||June 17, 2012|
|$130550.00||5||11.5%||$2871.13||Bank of Avoca||January 13, 2014|
|$131400.00||4||11.8%||$3447.38||The State Bank of Belmont||October 6, 2014|
|$131410.00||3||10.4%||$4264.95||Fleet Bank of New York, National Association||October 26, 2014|
- Full name (Changed if requested): Laurie Genereux
- Current Credit: loans.hit.utils.Fico@282ba1e
- Current City: New York
- State: New York
- Zip code: 10018
- Yearly income: $42,000
- Current Job: scientific linguist
- Current County: New York
- Goal Yearly Income: $121,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Contact Details for Eastbank, National Association, the provider of this auto loan
- Eastbank, National Association
- City: New York
- State: New York
- Address: 183 Centre Street
- County: New York
- Zip code: 10013
Laurie has a disappointing current total income, but has a high number of prospects
Laurie has always wanted to be a criminal investigator, but would need attend Adams State University again to achieve it. Laurie has other possibilities as well, including aircraft cargo handling supervisor, computer applications engineer, and criminal investigator, which pay $51,000 through to $97,000 per year, on average. For this reason, we believe that Laurie can pay for this auto loan of $105000.
Before applying for this auto loan, Laurie had an Experian score of 353, which is terrible, so Eastbank, National Association likely cannot provide Laurie an auto loan
When Laurie was 19, they tried to obtain a student loan from 7 alternate lenders, which damaged their credit rating. Below is a list of Laurie’s prior attempts at finding a student loan:
- Attempt 1) Loan for $36,000.00 on October 27, 2008
- Attempt 2) Loan for $29,000.00 on October 26, 2008
- Attempt 3) Loan for $28,000.00 on January 10, 2012
- Attempt 4) Loan for $27,000.00 on January 19, 2009
- Attempt 5) Loan for $34,000.00 on December 24, 2012
- Attempt 6) Loan for $20,000.00 on December 17, 2012
- Attempt 7) Loan for $28,000.00 on October 20, 2009
Conclusion of Laurie’s auto loan
In the end, Laurie was able to find an auto loan for $105000 with an interest rate of 7.3% interest APR from Eastbank, National Association in New York, New York repayable over 12 years from today.