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$184000 Auto Loan With Good Credit In Sigourney Iowa

$184000 Auto Loan – Sigourney Iowa, Credit Rating Of 681

  • Experian: 699 – This client had a good Experian rating
  • Transunion: 669 – Selma had a good credit rating with Transunion.
  • Equifax: Selma’s Experian score was 681, which is a good credit score using the Experian rating scheme.

Selma’s Overall FICO score at the time of acceptance for an auto loan, taking into account their loan counselor job and their future job as a sport psychologist

Fico Score: 681

Selma’s Transunion score was altered by the auto loan loan, changing to 669 from 681, which is normal in our experience.

Transunion Score: 669

Previous requests on Selma’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$71280.00 11 7.5% $794.63 Mills County Bank National Association April 4, 2011
$71100.00 10 10.1% $943.53 Postville State Bank May 18, 2014
$71160.00 9 7.6% $911.72 Washington State Bank October 30, 2014
$70680.00 4 9.5% $1775.7 Rippey Savings Bank January 30, 2015

Paraphrased and Standardized Quote from Selma for this auto loan of $184000, provided by County Bank

Hi, I am Selma and I’m from Sigourney in Iowa. Keokuk, county is where I grew up, and now I need a auto loan in Iowa for $184000 to renovate my home. It has been difficult, but County Bank really came through for me with this loan for 11.5% interest APR and a term of 21 years. I can repay the loan over the 21 year term, including interest. A big thanks to County Bank for giving me a chance and my good credit. It look me 9 years to create my credit to 681, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

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

  • County Bank
  • City: Sigourney
  • State: Iowa
  • Address: 201 South Jefferson Street
  • County: Keokuk
  • Zip code: 52591

Selma has a sad current yearly income, but has several of prospects

Selma has always wanted to be a sport psychologist, but would have to attend Saint Joseph’s University again to become one. Selma has other possibilities as well, including radio & tv talk show host, security guard, and resource teacher, which pay $59,000 through to $100,000 per year, at least. Because of this, we believe that Selma can pay for this auto loan of $184000.

6 Months in the Past, Selma Attempted to Find a High Risk Loan for $33,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Selma. Selma decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit applicants. Individuals with credit ratings as low as 504 can apply for a high risk loan and have a chance to be approved.

When Selma was 19, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit score. Below is a list of Selma’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on May 1, 2012
  • Attempt 2) Loan for $38,000.00 on July 29, 2010
  • Attempt 3) Loan for $29,000.00 on December 14, 2013
  • Attempt 4) Loan for $30,000.00 on June 13, 2012
  • Attempt 5) Loan for $23,000.00 on November 22, 2010
  • Attempt 6) Loan for $30,000.00 on July 2, 2010
  • Attempt 7) Loan for $28,000.00 on September 5, 2011

Fast Loans for Selma in Sigourney, Iowa to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Sigourney, Iowa aren’t actually that difficult to obtain, particularly if you have some gumption like Selma. Selma was able to find a fast loan for $184000 from Iowa State Bank and Oakland Savings Bank, but declined both offers in favor of their auto loan from County Bank. The improvement 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 debt consolidation loans. A big improvement in the case that you are in a time sensitive situation.

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

Normal debt consolidation loans vary from $36,000.00 to $48,000.00. They are typically used to pay off existing high interest loans like credit cards. Selma needed a debt consolidation loan to pay for their existing auto loan and their payday loan. Selma was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which converts your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.7%.

Personal Loan for a loan counselor named Selma in Sigourney, Iowa to Pay Off Wells Fargo Secured Credit Card

Selma had a tonne of credit card debt on their Orvis Rewards Visa and their The Limited Classic Card, and they were starting to get in over their heads. Despite Selma’s job as a loan counselor, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Signature Loan easily acquired in Sigourney, Iowa for $184000 with good credit by Selma

Many clients struggle with obtaining signature loans in Sigourney, Iowa, and Selma is the same. Selma went to 8 lending institutions or more prior to finding County Bank, who offered Selma a signature loan for $184000. Most signature loans simply need a client, like Selma’s signature to obtain them, up to $35,000 in some cases. Selma was able to get $184000 as a auto loan, which is very high for an auto loan. Since signature loans don’t require a cosigner, they generally need improved credit, as high as 729

Many other requests for credit have been made by Selma in the past, including one from Mutual Savings Association, FSA in Sigourney, Iowa before Selma was accepted for the $184000 by County Bank

Selma made 4 prior attempts to obtain an auto loan, 2 of which were with Mutual Savings Association, FSA, a lending institution in Sigourney, Iowa known to specialize in auto loans specifically. Prior to finding County Bank, Selma was concerned due to their inexperience and good credit rating.

Selma was rejected by Pocahontas State Bank 7 times before being approved by County Bank at 201 South Jefferson Street

On April 12, 2010, Selma inquired about borrowing $38,000 from Peoples Savings Bank with Elicia, their friend from just outside Sigourney, and even with the co-signer, Selma was rejected for this auto loan. With good credit, it can be very hard to procure financing, even with collateral and a co-signer.

Installment loan for Selma, a graduate of Saint Joseph’s University and a loan counselor working for over $61,000 per year

Selma, an alumnus at Saint Joseph’s University and a loan counselor in Sigourney, Iowa wants an auto loan to purchase something frivolous. Selma has instead decided to obtain an installment loan for $26,000 and is currently seeking lenders like Buffalo Savings Bank to provide it.

Client Profile: Selma Mccallen of Sigourney, Iowa
  • Full name (Changed if requested): Selma Mccallen
  • Current Credit: loans.hit.utils.Fico@36aa7bc2
  • Current City: Sigourney
  • State: Iowa
  • Zip code: 52595
  • Yearly income: $48,000
  • Current Job: loan counselor
  • Current County: Keokuk
  • Goal Yearly Income: $128,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Before applying for this auto loan, Selma had an Experian score of 699, which is good, so County Bank most likely cannot provide Selma an auto loan

Experian Score: 699

Conclusion of Selma’s auto loan

In the end, Selma was able to find an auto loan for $184000 with an interest rate of 9.8% interest APR from County Bank in Sigourney, Iowa 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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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.