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21 Year, Variable Interest Auto Loan For Cristy In Washington

$172000 Auto Loan – Everett Washington, Credit Score Of 582

  • Experian: 601 – They had a fair Experian rating
  • Transunion: 566 – Cristy had a fair credit score with Transunion.
  • Equifax: Cristy’s Experian score was 582, which is a fair credit rating with the Experian system.

6 Months Ago, Cristy Attempted Finding a High Risk Loan for $23,000.00, and it was Easy

It is an well known struggle for borrowers to find high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Cristy. Cristy decided not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit borrowers. Individuals with credit ratings as low as 373 can inquire for a high risk loan and may be be accepted.

When Cristy was 20, they attempted to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a list of Cristy’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on July 17, 2009
  • Attempt 2) Loan for $37,000.00 on March 7, 2009
  • Attempt 3) Loan for $26,000.00 on February 6, 2011
  • Attempt 4) Loan for $39,000.00 on June 19, 2010

Paraphrased and Standardized Quote from Cristy for this auto loan of $172000, provided by Cascade Bank

Hi, I am Cristy and I’m from Everett in Washington. Snohomish, county is where I grew up, and now I need a auto loan in Washington for $172000 to buy a car. It has been difficult, but Cascade Bank really came through for me with this loan for 10.1% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to Cascade Bank for trusting me and my fair credit. It look me 6 years to build my credit to 582, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.

Fast Loans for Cristy in Everett, Washington to prevent bankruptcy or harm from debt collectors.

Fast loans in Everett, Washington aren’t actually that difficult to obtain, especially if you have some finesse like Cristy. Cristy was able to find a fast loan for $172000 from Farmington State Bank and The First American National Bank of Port Townsend, but declined both offers in favor of their auto loan from Cascade Bank. The difference 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 installment loans. A big improvement in the case that you are on the go.

Previous requests on Cristy’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$93450.00 11 6.4% $987.97 Granite Falls State Bank March 31, 2009
$93420.00 10 10.7% $1271.05 Columbia Gorge Bank October 18, 2011
$92600.00 11 6.7% $993.36 Summit Bank October 19, 2012
$93170.00 7 9.2% $1508.49 State Bank of Morton January 6, 2014

Before applying for this auto loan, Cristy had an Experian score of 601, which is fair, so Cascade Bank probably can provide Cristy an auto loan

Experian Score: 601

Cristy’s Transunion score was altered by the auto loan loan, changing to 566 from 582, which is typical in our experience.

Transunion Score: 566

Cristy’s Overall FICO score at the time of acceptance for an auto loan, taking into account their surgical technician/technologist job and their future career as a credit reporter

Fico Score: 582

Cristy was rejected by First National Bank in Port Angeles 5 times before being approved by Cascade Bank at 2828 Colby Avenue

On April 24, 2009, Cristy inquired about borrowing $38,000 from Farmers State Bank of Uniontown, Washington with Maybelle, their in law from just outside Everett, and even with the co-signer, Cristy was rejected for this auto loan. With fair credit, it can be challenging to procure financing, even with collateral and a co-signer.

Client Profile: Cristy Porowski of Everett, Washington
  • Full name (Changed if requested): Cristy Porowski
  • Current Credit: loans.hit.utils.Fico@6f2b958e
  • Current City: Everett
  • State: Washington
  • Zip code: 98202
  • Yearly income: $56,000
  • Current Job: surgical technician/technologist
  • Current County: Snohomish
  • Goal Yearly Income: $116,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Personal Loan for a surgical technician/technologist named Cristy in Everett, Washington to Pay Off Norwegian Cruise Line World MasterCard Credit Card

Cristy had a tonne of credit card debt on their HAS Advantage Visa Platinum Card and their Korean Air SKYPASS Visa Signature Card, and they were starting to get in over their heads. Despite Cristy’s job as a surgical technician/technologist, they struggled to make payments on the $20,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $39,000.00 to $54,000.00. They are normally used to pay off existing high interest loans like credit cards. Cristy required a debt consolidation loan to pay for their existing auto loan and their payday loan. Cristy was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 2.8%.

Contact Details for Cascade Bank, the provider of this auto loan

  • Cascade Bank
  • City: Everett
  • State: Washington
  • Address: 2828 Colby Avenue
  • County: Snohomish
  • Zip code: 98201

Installment loan for Cristy, a graduate of Millersville University of Pennsylvania and a surgical technician/technologist working for over $73,000 per year

Cristy, an alumnus at Millersville University of Pennsylvania and a surgical technician/technologist in Everett, Washington needs an auto loan to purchase a house. Cristy has instead chosen to obtain an installment loan for $21,000 and is currently seeking lenders like The First National Bank of Enumclaw to process their request.

Many past requests for credit have been made by Cristy in the past, including one from Southern Federal Savings and Loan Association in Everett, Washington before Cristy was approved for the $172000 by Cascade Bank

Cristy made 4 previous tries to obtain an auto loan, 2 of which were with Southern Federal Savings and Loan Association, a bank in Everett, Washington known to specialize in auto loans specifically. Before finding Cascade Bank, Cristy was concerned due to their inexperience and fair credit rating.

Cristy has a disappointing current total income, but has several of prospects

Cristy has always wanted to be a credit reporter, but would need attend Millersville University of Pennsylvania again to become one. Cristy has other prospects as well, including medical assistant, biomedical engineer, and computer and information scientists, which pay $53,000 through to $109,000 per year, on average. Because of this, we believe that Cristy can pay for this auto loan of $172000.

Signature Loan acquired in Everett, Washington for $172000 with fair credit by Cristy

Most clients struggle with obtaining signature loans in Everett, Washington, and Cristy is no exception. Cristy went to 8 lending institutions or more prior to finding Cascade Bank, who offered Cristy a signature loan for $172000. Most signature loans simply require a client, like Cristy’s signature to obtain them, up to $33,000 in some cases. Cristy was able to get $172000 as a auto loan, which is very high for an auto loan. Because signature loans don’t need collateral, these loans generally need improved credit, as high as 737

Conclusion of Cristy’s auto loan

In the end, Cristy was able to find an auto loan for $172000 with an interest rate of 11.0% interest APR from Cascade Bank in Everett, Washington repayable over 21 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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