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14 Year, Variable Interest Auto Loan For Huey In Louisiana

$40000 Auto Loan – Sunset Louisiana, Credit Rating Of 351

  • Experian: 365 – This individual had a terrible Experian score
  • Transunion: 336 – Huey had a terrible credit score with Transunion.
  • Equifax: Huey’s Experian score was 351, which is a terrible credit rating on the Experian scale.

Huey’s Transunion score was altered by the auto loan loan, changing to 336 from 351, which is typical in our experience.

Transunion Score: 336

Before applying for this auto loan, Huey had an Experian score of 365, which is terrible, so Bank of Sunset and Trust Company likely cannot provide Huey an auto loan

Experian Score: 365

Previous requests on Huey’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$129220.00 5 9.3% $2701.25 Bank of Zachary June 13, 2013
$129230.00 3 8.8% $4097.46 Landmark Bank May 9, 2014
$128710.00 3 10.4% $4177.32 Bank of Gonzales June 30, 2014
$129170.00 7 9.1% $2084.79 The Highlands Bank January 8, 2015
$128890.00 8 5.2% $1644.04 Bank of Grand Cane May 16, 2015

When Huey was 20, they attempted to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a chronology of Huey’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on June 20, 2011
  • Attempt 2) Loan for $30,000.00 on February 21, 2013
  • Attempt 3) Loan for $25,000.00 on May 17, 2011
  • Attempt 4) Loan for $28,000.00 on September 18, 2009
  • Attempt 5) Loan for $24,000.00 on February 10, 2011

Several previous requests for credit have been made by Huey in the past, including one from Western National Bank in Sunset, Louisiana before Huey was approved for the $40000 by Bank of Sunset and Trust Company

Huey made 6 previous tries to obtain an auto loan, 2 of which were with Western National Bank, a lending institution in Sunset, Louisiana known to specialize in auto loans specifically. Before finding Bank of Sunset and Trust Company, Huey was very concerned due to their inexperience and terrible credit score.

Huey’s Overall FICO score at the time of acceptance for an auto loan, taking into account their mail clerk job and their future job as an insurance claim examiner

Fico Score: 351

Paraphrased and Standardized Quote from Huey for this auto loan of $40000, provided by Bank of Sunset and Trust Company

Hello, I am Huey and I am from Sunset in Louisiana. St. Landry, county is where I grew up, and now I need a auto loan in Louisiana for $40000 to avoid bankruptcy. It wasn’t easy, but Bank of Sunset and Trust Company really came through for me with this loan for 11.7% interest APR and a term of 14 years. I will repay the loan over the 14 year term, including interest. A big thanks to Bank of Sunset and Trust Company for giving me a chance and my terrible credit. It look me 9 years to build my credit to 351, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.

Huey was declined by Bank of Greensburg 7 times prior to being accepted by Bank of Sunset and Trust Company at 863 Napoleon Avenue

On August 16, 2009, Huey applied about borrowing $2,000 from First National Bank of Houma with Kathleen, their in law from just outside Sunset, and even with the co-signer, Huey was rejected for this auto loan. With terrible credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Installment loan for Huey, a graduate of Genesee Community College and a mail clerk working for over $67,000 per year

Huey, an alumnus at Genesee Community College and a mail clerk in Sunset, Louisiana wants an auto loan to purchase a house. Huey has instead decided to get an installment loan for $10,000 and is at present seeking lenders like City National Bank of Baton Rouge to process their request.

Signature Loan found in Sunset, Louisiana for $40000 with terrible credit by Huey

Many borrowers struggle with finding signature loans in Sunset, Louisiana, and Huey is the same. Huey went to 7 lending institutions or more before finding Bank of Sunset and Trust Company, who offered Huey a signature loan for $40000. Most signature loans simply need a client, like Huey’s signature to get them, up to $36,000 in some cases. Huey was able to get $40000 as a auto loan, which is very high for an auto loan. Because signature loans don’t require a cosigner, they generally need improved credit, as high as 778

Fast Loans for Huey in Sunset, Louisiana to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Sunset, Louisiana aren’t actually that difficult to obtain, particularly if you have some gumption like Huey. Huey was able to find a fast loan for $40000 from The First National Bank of Abbeville and Washington Bank and Trust Company, but turned down both offers in favor of their auto loan from Bank of Sunset and Trust Company. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference if a client is in a time sensitive situation.

Personal Loan for a mail clerk named Huey in Sunset, Louisiana to Pay Off Wings Financial Visa Platinum

Huey had a tonne of credit card debt on their Brooks Brothers Platinum MasterCard and their BankFIRST Young Adult Visa Card, and they were starting to get in over their heads. Despite Huey’s job as a mail clerk, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Huey has a sad current gross income, but has a high number of prospects

Huey has always wanted to be an insurance claim examiner, but would need attend Genesee Community College again to become one. Huey has other prospects as well, including home appliance repairer, financial examiner, and storage and distribution manager, which pay $59,000 through to $102,000 per year, at least. Because of this, we think that Huey can afford this auto loan of $40000.

Client Profile: Huey Turber of Sunset, Louisiana
  • Full name (Changed if requested): Huey Turber
  • Current Credit: loans.hit.utils.Fico@5577140b
  • Current City: Sunset
  • State: Louisiana
  • Zip code: 70590
  • Yearly income: $58,000
  • Current Job: mail clerk
  • Current County: St. Landry
  • Goal Yearly Income: $86,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Debt Consolidation Will Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $22,000.00 to $57,000.00. They are typically used to pay off existing high interest loans like credit cards. Huey required a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Huey was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which changes your bad, high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.3%.

6 Months in the Past, Huey Tried Finding a High Risk Loan for $46,000.00, and it was Easy

It is an well known struggle for clients 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 scary to borrowers like Huey. Huey chose not to get a high risk loan this time. High Risk loans are given to terrible credit clients. Borrowers with credit scores as low as 361 can inquire for a high risk loan and may be be approved.

Contact Details for Bank of Sunset and Trust Company, the provider of this auto loan

  • Bank of Sunset and Trust Company
  • City: Sunset
  • State: Louisiana
  • Address: 863 Napoleon Avenue
  • County: St. Landry
  • Zip code: 70584

Conclusion of Huey’s auto loan

In the end, Huey was able to find an auto loan for $40000 with an interest rate of 5.5% interest APR from Bank of Sunset and Trust Company in Sunset, Louisiana repayable over 14 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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