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$12000 Auto Loan In Houston Texas With Credit Score 839 For Pandora

$12000 Auto Loan – Houston Texas, Credit Score Of 839

  • Experian: 858 – The client had an excellent Experian score
  • Transunion: 826 – Pandora had an excellent credit score with Transunion.
  • Equifax: Pandora’s Experian score was 839, which is an excellent credit score using the Experian rating scheme.

Many past requests for credit have been made by Pandora in the past, including one from South Sound National Bank in Houston, Texas before Pandora was accepted for the $12000 by Ameriway Bank National Association

Pandora made 7 previous attempts to obtain an auto loan, 2 of which were with South Sound National Bank, a bank in Houston, Texas known to specialize in auto loans specifically. Prior to finding Ameriway Bank National Association, Pandora was desperate due to their inexperience and excellent credit score.

Client Profile: Pandora Zaxas of Houston, Texas
  • Full name (Changed if requested): Pandora Zaxas
  • Current Credit: loans.hit.utils.Fico@45fe3ee3
  • Current City: Houston
  • State: Texas
  • Zip code: 77211
  • Yearly income: $61,000
  • Current Job: highway maintenance worker
  • Current County: Harris
  • Goal Yearly Income: $86,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

When Pandora was 18, they attempted to obtain a student loan from 4 alternate banks, which harmed their credit score. Below is a list of Pandora’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on September 2, 2009
  • Attempt 2) Loan for $29,000.00 on October 11, 2009
  • Attempt 3) Loan for $26,000.00 on June 7, 2009
  • Attempt 4) Loan for $21,000.00 on January 28, 2011

Pandora was not approved by The Roscoe State Bank 4 times before being granted funding by Ameriway Bank National Association at 2900 North Loop West

On December 23, 2011, Pandora applied about borrowing $22,000 from Guaranty Bank & Trust Company with Caridad, their in law from just outside Houston, and even with the co-signer, Pandora was rejected for this auto loan. With excellent credit, it can be difficult to procure financing, even with collateral and a co-signer.

Signature Loan found in Houston, Texas for $12000 with excellent credit by Pandora

Most clients have difficulty with obtaining signature loans in Houston, Texas, and Pandora is no different. Pandora went to 5 lending institutions or more before settling on Ameriway Bank National Association, who offered Pandora a signature loan for $12000. Most signature loans simply require a client, like Pandora’s signature to obtain them, up to $28,000 in some cases. Pandora was able to get $12000 as a auto loan, which is very high for an auto loan. Because signature loans do not require a cosigner, they tend to need improved credit, as high as 762

Pandora’s Transunion score was altered by the auto loan loan, changing to 826 from 839, which is typical in our experience.

Transunion Score: 826

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans range from $38,000.00 to $50,000.00. They are mainly used to pay off existing high interest loans like credit cards. Pandora needed a debt consolidation loan to pay for their existing auto loan and their payday loan. Pandora was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a tactic in the debt snowball method which converts your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.6%.

Installment loan for Pandora, a graduate of Academy of Medical and Health Science Inc. and a highway maintenance worker working for over $60,000 per year

Pandora, an alumnus at Academy of Medical and Health Science Inc. and a highway maintenance worker in Houston, Texas wants an auto loan to purchase a car. Pandora has instead decided to obtain an installment loan for $11,000 and is currently seeking lenders like The Huntsville National Bank to process their request.

Pandora has a sad current total income, but has several of prospects

Pandora has always wanted to be a broker’s floor representative, but would need attend Academy of Medical and Health Science Inc. again to become one. Pandora has other prospects as well, including budget analyst, painters, and photoengravers, which pay $56,000 through to $106,000 per year, at least. Because of this, we think that Pandora can pay for this auto loan of $12000.

Previous requests on Pandora’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$86240.00 7 6.7% $1288.98 Comerica Bank July 22, 2013
$86120.00 3 9.5% $2758.68 First Star Bank, S.S.B. September 25, 2014
$86370.00 4 11.7% $2261.75 Brownfield State Bank & Trust Co. February 19, 2015
$85510.00 3 6.7% $2628.59 First Bank & Trust, Bryan, Texas July 12, 2015
$85740.00 8 7.1% $1173.23 First Bank & Trust of Clarendon August 10, 2015

Personal Loan for a highway maintenance worker named Pandora in Houston, Texas to Pay Off State Farm Good Neighbor Visa Credit Card

Pandora had a lot of credit card debt on their Harvard Alumni Association World MasterCard and their Whitney Bank Credit Cards, and they were starting to get in over their heads. Despite Pandora’s job as a highway maintenance worker, they struggled to make payments on the $25,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this auto loan, Pandora had an Experian score of 858, which is excellent, so Ameriway Bank National Association most likely cannot provide Pandora an auto loan

Experian Score: 858

Pandora’s Overall FICO score at the time of acceptance for an auto loan, taking into account their highway maintenance worker job and their future job as a broker’s floor representative

Fico Score: 839

Paraphrased and Standardized Quote from Pandora for this auto loan of $12000, provided by Ameriway Bank National Association

Hello, I am Pandora and my hometown is Houston in Texas. Harris, county is where I grew up, and now I need a auto loan in Texas for $12000 to buy a big ticket item. It has been difficult, but Ameriway Bank National Association really came through for me with this loan for 7.0% interest APR and a term of 4 years. I can repay the loan over the 4 year term, including interest. A big thanks to Ameriway Bank National Association for trusting me and my excellent credit. It look me 7 years to build my credit to 839, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

8 Months in the Past, Pandora Attempted Finding a High Risk Loan for $40,000.00, but They Didn’t Find What They were Expecting

There is an well known struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Pandora. Pandora decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Clients with credit ratings as low as 567 can inquire for a high risk loan and have a chance to be accepted.

Contact Details for Ameriway Bank National Association, the provider of this auto loan

  • Ameriway Bank National Association
  • City: Houston
  • State: Texas
  • Address: 2900 North Loop West
  • County: Harris
  • Zip code: 77210

Fast Loans for Pandora in Houston, Texas to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Houston, Texas aren’t actually that difficult to obtain, particularly if you have some gumption like Pandora. Pandora was able to find a fast loan for $12000 from Commercial State Bank and First State Bank of Matador, but declined both offers in favor of their auto loan from Ameriway Bank National Association. The difference 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 personal loans. Much better in the case that a client is in a time sensitive situation.

Conclusion of Pandora’s auto loan

In the end, Pandora was able to find an auto loan for $12000 with an interest rate of 10.8% interest APR from Ameriway Bank National Association in Houston, Texas repayable over 4 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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Names of borrowers and lenders have been modified, substituted, or fictionalized for search and privacy purposes. Information presented here is for entertainment purposes only and should not be interpreted as the truth.