$66000 Auto Loan – Newport Kentucky, Credit Rating Of 487
- Experian: 502 – The client had a bad Experian rating
- Transunion: 474 – Graciela had a bad credit score with Transunion.
- Equifax: Graciela’s Experian score was 487, which is a bad credit rating using the Experian rating scheme.
9 Months Ago, Graciela Tried to Find a High Risk Loan for $38,000.00, but They Didn’t Find What They were Expecting
It is an existing struggle for clients 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 frightening to borrowers like Graciela. Graciela chose not to obtain a high risk loan this time. High Risk loans are given to bad credit applicants. Individuals with credit scores as low as 486 can apply for a high risk loan and may be be accepted.
Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans vary from $24,000.00 to $46,000.00. They are typically used to pay off existing high interest loans like credit cards. Graciela required a debt consolidation loan to pay for their existing auto loan and their credit card. Graciela 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 that are low, like 2.7%.
Multiple past requests for credit have been made by Graciela in the past, including one from Town & Country Bank in Newport, Kentucky before Graciela was approved for the $66000 by Citizens Bank of Northern Kentucky, Inc.
Graciela made 4 previous tries to obtain an auto loan, 2 of which were with Town & Country Bank, a lender in Newport, Kentucky known to specialize in auto loans specifically. Before finding Citizens Bank of Northern Kentucky, Inc., Graciela was desperate due to their inexperience and bad credit rating.
Paraphrased and Standardized Quote from Graciela for this auto loan of $66000, provided by Citizens Bank of Northern Kentucky, Inc.
Hello, I am Graciela and I am from Newport in Kentucky. Campbell, county is where I grew up, and now I need a auto loan in Kentucky for $66000 to renovate my home. It wasn’t easy, but Citizens Bank of Northern Kentucky, Inc. really came through for me with this loan for 7.6% interest APR and a term of 11 years. I can probably repay the loan over the 11 year term, including interest. A big thanks to Citizens Bank of Northern Kentucky, Inc. for giving me a chance and my bad credit. It look me 7 years to create my credit to 487, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.
Signature Loan easily acquired in Newport, Kentucky for $66000 with bad credit by Graciela
Many clients have difficulty with obtaining signature loans in Newport, Kentucky, and Graciela is no different. Graciela went to 8 lending institutions or more before finding Citizens Bank of Northern Kentucky, Inc., who offered Graciela a signature loan for $66000. Most signature loans simply need a client, like Graciela’s signature to get them, up to $30,000 in some cases. Graciela was able to get $66000 as a auto loan, which is very high for an auto loan. Since signature loans don’t need collateral, they tend to require higher credit, as high as 736
- Full name (Changed if requested): Graciela Roswick
- Current Credit: loans.hit.utils.Fico@4fccd51b
- Current City: Newport
- State: Kentucky
- Zip code: 41072
- Yearly income: $53,000
- Current Job: graduate teaching assistant
- Current County: Campbell
- Goal Yearly Income: $93,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $0
Before applying for this auto loan, Graciela had an Experian score of 502, which is bad, so Citizens Bank of Northern Kentucky, Inc. likely cannot provide Graciela an auto loan
Installment loan for Graciela, a graduate of Houston Community College and a graduate teaching assistant working for over $78,000 per year
Graciela, an alumnus at Houston Community College and a graduate teaching assistant in Newport, Kentucky wants an auto loan to purchase something frivolous. Graciela has instead decided to get an installment loan for $7,000 and is at present seeking lenders like Farmers National Bank of London to provide it.
When Graciela was 24, they tried to obtain a student loan from 5 alternate banks, which damaged their credit rating. Below is a list of Graciela’s prior attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on January 24, 2012
- Attempt 2) Loan for $39,000.00 on March 14, 2012
- Attempt 3) Loan for $29,000.00 on April 19, 2009
- Attempt 4) Loan for $39,000.00 on October 20, 2009
- Attempt 5) Loan for $25,000.00 on December 28, 2010
Graciela has a very low current gross income, but has a large amount of prospects
Graciela has always wanted to be a mining engineer, but would have to attend Houston Community College again to achieve it. Graciela has other prospects as well, including video engineer, construction trades supervisor, and fire inspector, which pay $51,000 through to $101,000 per year, on average. For this reason, we believe that Graciela can pay for this auto loan of $66000.
Fast Loans for Graciela in Newport, Kentucky to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Newport, Kentucky aren’t actually that difficult to obtain, especially if you have some gumption like Graciela. Graciela was able to find a fast loan for $66000 from Auburn Banking Company and Farmers Deposit Bank, but turned down both offers in favor of their auto loan from Citizens Bank of Northern Kentucky, Inc.. 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 5 weeks for installment loans. A big improvement if a borrower is in a pinch.
Previous requests on Graciela’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$110260.00||10||5.5%||$1196.61||Stock Yards Bank & Trust Company||November 12, 2011|
|$110120.00||3||5.4%||$3320.21||Farmers Deposit Bank of Brandenburg||July 25, 2012|
|$110380.00||7||6.6%||$1644.43||Citizens Bank||September 13, 2013|
|$110320.00||8||9.3%||$1633.43||Citizens Bank & Trust Company, Burgin, Kentucky||September 18, 2014|
|$110120.00||10||7.6%||$1312.9||Farmers National Bank||December 22, 2014|
Graciela was rejected by Bank of Livingston County 5 times prior to being granted funding by Citizens Bank of Northern Kentucky, Inc. at 103 Churchill Drive
On August 17, 2011, Graciela inquired about borrowing $22,000 from United Community Bank with Roseanna, their in law from just outside Newport, and even with the co-signer, Graciela was rejected for this auto loan. With bad credit, it can be very hard to procure funding, even with collateral and a co-signer.
Contact Details for Citizens Bank of Northern Kentucky, Inc., the provider of this auto loan
- Citizens Bank of Northern Kentucky, Inc.
- City: Newport
- State: Kentucky
- Address: 103 Churchill Drive
- County: Campbell
- Zip code: 41071
Graciela’s Transunion score was altered by the auto loan loan, changing to 474 from 487, which is typical in our experience.
Personal Loan for a graduate teaching assistant named Graciela in Newport, Kentucky to Pay Off Discount Tire Credit Card
Graciela had a lot of credit card debt on their Fulton Bank Visa Signature Bonus Rewards PLUS Card and their Quantas, and they were starting to get in over their heads. Despite Graciela’s job as a graduate teaching assistant, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Graciela’s Overall FICO score at the time of acceptance for an auto loan, taking into account their graduate teaching assistant job and their future career as a mining engineer
Conclusion of Graciela’s auto loan
In the end, Graciela was able to find an auto loan for $66000 with an interest rate of 5.2% interest APR from Citizens Bank of Northern Kentucky, Inc. in Newport, Kentucky repayable over 11 years from now.