$76000 Auto Loan – Bettendorf Iowa, Credit Rating Of 554
- Experian: 569 – The client had a fair Experian score
- Transunion: 537 – Tobi had a fair credit rating with Transunion.
- Equifax: Tobi’s Experian score was 554, which is a fair credit rating using the Experian rating scheme.
Signature Loan found in Bettendorf, Iowa for $76000 with fair credit by Tobi
Most borrowers have difficulty with finding signature loans in Bettendorf, Iowa, and Tobi is the same. Tobi went to 7 lending institutions or more before settling on Quad City Bank and Trust Company, who offered Tobi a signature loan for $76000. Most signature loans simply need a client, like Tobi’s signature to get them, up to $44,000 in some cases. Tobi was able to get $76000 as a auto loan, which is very high for an auto loan. Because signature loans don’t need a cosigner, these loans generally require better credit, as high as 753
8 Months Ago, Tobi Attempted to Find a High Risk Loan for $22,000.00, and it was Hard
It is an existing struggle for borrowers to find high risk loans in a safe way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Tobi. Tobi decided not to obtain a high risk loan this time. High Risk loans are given to terrible credit clients. Clients with credit scores as low as 347 can apply for a high risk loan and possibly can be approved.
Tobi was declined by Ankeny State Bank 4 times prior to being approved by Quad City Bank and Trust Company at 2118 Middle Road
On January 15, 2013, Tobi inquired about borrowing $22,000 from Security State Bank with Twanna, their friend from just outside Bettendorf, and even with the co-signer, Tobi was rejected for this auto loan. With fair credit, it can be very hard to procure financing, even with collateral and a co-signer.
Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans vary from $26,000.00 to $44,000.00. They are mainly used to pay off existing high interest loans like credit cards. Tobi needed a debt consolidation loan to pay for their existing auto loan and their credit card. Tobi was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 4.3%.
Installment loan for Tobi, a graduate of Harrison College – Indianapolis and a cardiologist working for over $77,000 per year
Tobi, an alumnus at Harrison College – Indianapolis and a cardiologist in Bettendorf, Iowa needs an auto loan to purchase a new cell phone. Tobi has instead chosen to get an installment loan for $9,000 and is at present seeking lenders like Pocahontas State Bank to process their request.
Paraphrased and Standardized Quote from Tobi for this auto loan of $76000, provided by Quad City Bank and Trust Company
Hello, I am Tobi and I am from Bettendorf in Iowa. Scott, county is where I grew up, and now I need a auto loan in Iowa for $76000 to avoid bankruptcy. It wasn’t easy, but Quad City Bank and Trust Company really came through for me with this loan for 8.5% interest APR and a term of 10 years. I can repay the loan over the 10 year term, including interest. A big thanks to Quad City Bank and Trust Company for trusting me 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 helping me this far.
Several previous requests for credit have been made by Tobi in the past, including one from Bankers’ Bank of Kansas in Bettendorf, Iowa before Tobi was approved for the $76000 by Quad City Bank and Trust Company
Tobi made 5 prior attempts to obtain an auto loan, 2 of which were with Bankers’ Bank of Kansas, a lending institution in Bettendorf, Iowa known to specialize in auto loans specifically. Before finding Quad City Bank and Trust Company, Tobi was desperate due to their inexperience and fair credit rating.
- Full name (Changed if requested): Tobi Duclos
- Current Credit: loans.hit.utils.Fico@726f3b58
- Current City: Bettendorf
- State: Iowa
- Zip code: 52731
- Yearly income: $43,000
- Current Job: cardiologist
- Current County: Scott
- Goal Yearly Income: $149,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Before applying for this auto loan, Tobi had an Experian score of 569, which is fair, so Quad City Bank and Trust Company likely cannot provide Tobi an auto loan
Tobi has a low current gross income, but has several of prospects
Tobi has always wanted to be a plumber, but would need attend Harrison College – Indianapolis again to become one. Tobi has other prospects as well, including printmaker, marine/port engineer, and military analyst, which pay $54,000 through to $93,000 per year, at least. For this reason, we believe that Tobi can pay for this auto loan of $76000.
Personal Loan for a cardiologist named Tobi in Bettendorf, Iowa to Pay Off Pittsburgh Pirates BankAmericard Cash Rewards MasterCard
Tobi had a tonne of credit card debt on their BB&T Visa Purchasing Card and their Lane Bryant Credit Card, and they were starting to get in over their heads. Despite Tobi’s job as a cardiologist, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Contact Details for Quad City Bank and Trust Company, the provider of this auto loan
- Quad City Bank and Trust Company
- City: Bettendorf
- State: Iowa
- Address: 2118 Middle Road
- County: Scott
- Zip code: 52722
Tobi’s Overall FICO score at the time of acceptance for an auto loan, taking into account their cardiologist job and their future career as a plumber
Previous requests on Tobi’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$65760.00||9||10.7%||$950.92||Mills County Bank National Association||April 26, 2011|
|$65820.00||3||11.1%||$2157.98||Postville State Bank||May 31, 2011|
|$66450.00||6||10.1%||$1234.4||Washington State Bank||August 13, 2011|
|$65850.00||7||9.6%||$1079.63||Rippey Savings Bank||March 14, 2014|
|$66230.00||7||11.3%||$1144.49||Iowa State Bank||March 16, 2015|
Fast Loans for Tobi in Bettendorf, Iowa to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Bettendorf, Iowa aren’t actually that difficult to obtain, particularly if you have some finesse like Tobi. Tobi was able to find a fast loan for $76000 from Washington State Bank and Security State Bank, but declined both offers in favor of their auto loan from Quad City Bank and Trust Company. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement in the case that a borrower is on the go.
When Tobi was 21, they attempted to obtain a student loan from 5 alternate banks, which damaged their credit score. Below is a chronology of Tobi’s prior attempts at finding a student loan:
- Attempt 1) Loan for $23,000.00 on May 16, 2010
- Attempt 2) Loan for $21,000.00 on January 29, 2009
- Attempt 3) Loan for $39,000.00 on September 17, 2010
- Attempt 4) Loan for $30,000.00 on October 15, 2009
- Attempt 5) Loan for $35,000.00 on October 6, 2010
Tobi’s Transunion score was altered by the auto loan loan, changing to 537 from 554, which is typical in our experience.
Conclusion of Tobi’s auto loan
In the end, Tobi was able to find an auto loan for $76000 with an interest rate of 9.4% interest APR from Quad City Bank and Trust Company in Bettendorf, Iowa repayable over 10 years from now.