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15 Year, Variable Interest Auto Loan For Shanae In Virginia

$78000 Auto Loan – Norfolk Virginia, Credit Rating Of 714

  • Experian: 725 – This individual had a good Experian score
  • Transunion: 696 – Shanae had a good credit rating with Transunion.
  • Equifax: Shanae’s Experian score was 714, which is a good credit rating on the Experian rating scheme.

Before applying for this auto loan, Shanae had an Experian score of 725, which is good, so Home Savings Bank FSB probably cannot provide Shanae an auto loan

Experian Score: 725

Shanae’s Transunion score was changed by the auto loan loan, changing to 696 from 714, which is normal in our experience.

Transunion Score: 696

Personal Loan for a technical & scientific publications editor named Shanae in Norfolk, Virginia to Pay Off BJ’s Wholesale Club Visa

Shanae had a lot of credit card debt on their AeroMexico Visa Secured Card and their Dillard’s Credit Card, and they were starting to get in over their heads. Despite Shanae’s job as a technical & scientific publications editor, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Signature Loan easily acquired in Norfolk, Virginia for $78000 with good credit by Shanae

Many borrowers struggle with obtaining signature loans in Norfolk, Virginia, and Shanae is the same. Shanae went to 8 lenders or more prior to finding Home Savings Bank FSB, who offered Shanae a signature loan for $78000. Most signature loans simply need a client, like Shanae’s signature to get them, up to $27,000 in some cases. Shanae was able to get $78000 as a auto loan, which is very high for an auto loan. Because signature loans don’t require collateral, they generally require better credit, as high as 702

Previous requests on Shanae’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$30360.00 4 8.2% $744.03 Citizens Bank and Trust Company December 24, 2008
$30440.00 7 7.7% $469.91 Peoples Community Bank November 9, 2009
$29830.00 4 7.6% $722.65 Crestar Bank June 20, 2012
$30410.00 11 5.5% $307.56 The Merchants and Farmers Bank April 12, 2013

Shanae has a very low current total income, but has several of prospects

Shanae has always wanted to be an industrial engineering technician, but would have to attend Methodist Hospital School of Nursing again to become one. Shanae has other prospects as well, including sales representatives, community welfare worker, and insurance claims adjuster, which pay $53,000 through to $102,000 per year, at least. For this reason, we think that Shanae can pay for this auto loan of $78000.

Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans range from $36,000.00 to $59,000.00. They are normally used to pay off existing high interest loans like credit cards. Shanae required a debt consolidation loan to pay for their existing auto loan and their credit card. Shanae was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which converts your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 2.8%.

Client Profile: Shanae Lojek of Norfolk, Virginia
  • Full name (Changed if requested): Shanae Lojek
  • Current Credit: loans.hit.utils.Fico@5b80350b
  • Current City: Norfolk
  • State: Virginia
  • Zip code: 23516
  • Yearly income: $51,000
  • Current Job: technical & scientific publications editor
  • Current County: Norfolk City
  • Goal Yearly Income: $128,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Paraphrased and Standardized Quote from Shanae for this auto loan of $78000, provided by Home Savings Bank FSB

Hi, I am Shanae and my hometown is Norfolk in Virginia. Norfolk City, county is where I grew up, and now I need a auto loan in Virginia for $78000 to avoid bankruptcy. It has been difficult, but Home Savings Bank FSB really came through for me with this loan for 6.1% interest APR and a term of 15 years. I will repay the loan over the 15 year term, including interest. A big thanks to Home Savings Bank FSB for giving me a chance and my good credit. It look me 8 years to create my credit to 714, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.

Installment loan for Shanae, a graduate of Methodist Hospital School of Nursing and a technical & scientific publications editor working for over $68,000 per year

Shanae, an alumnus at Methodist Hospital School of Nursing and a technical & scientific publications editor in Norfolk, Virginia wants an auto loan to purchase a new cell phone. Shanae has instead decided to get an installment loan for $20,000 and is at present seeking lenders like The Bank of Fincastle to process their request.

Fast Loans for Shanae in Norfolk, Virginia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Norfolk, Virginia aren’t actually that difficult to obtain, particularly if you have some finesse like Shanae. Shanae was able to find a fast loan for $78000 from First Virginia Bank – Blue Ridge and Bank of Virginia – Potomac, but turned down both offers in favor of their auto loan from Home Savings Bank FSB. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. A big improvement in the case that a borrower is on the go.

Contact Details for Home Savings Bank FSB, the provider of this auto loan

  • Home Savings Bank FSB
  • City: Norfolk
  • State: Virginia
  • Address: 700 Boush St
  • County: Norfolk City
  • Zip code: 23510

When Shanae was 22, they tried to obtain a student loan from 4 different lenders, which damaged their credit score. Below is a list of Shanae’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on March 11, 2012
  • Attempt 2) Loan for $22,000.00 on April 29, 2009
  • Attempt 3) Loan for $22,000.00 on September 9, 2009
  • Attempt 4) Loan for $32,000.00 on April 10, 2011

7 Months Ago, Shanae Tried to Find a High Risk Loan for $30,000.00, and it was Easy

It is an ongoing struggle for clients to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Shanae. Shanae decided not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Clients with credit ratings as low as 436 can inquire for a high risk loan and may be be approved.

Shanae was not approved by First Virginia Bank – Hampton Roads 6 times prior to being granted funding by Home Savings Bank FSB at 700 Boush St

On October 10, 2011, Shanae inquired about borrowing $7,000 from First Virginia Bank – Blue Ridge with Kendall, their in law from just outside Norfolk, and even with the co-signer, Shanae was rejected for this auto loan. With good credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Shanae’s Overall FICO score at the time of acceptance for an auto loan, taking into account their technical & scientific publications editor job and their future career as an industrial engineering technician

Fico Score: 714

Several past requests for credit have been made by Shanae in the past, including one from Bank of Wolcott in Norfolk, Virginia before Shanae was approved for the $78000 by Home Savings Bank FSB

Shanae made 9 prior attempts to obtain an auto loan, 2 of which were with Bank of Wolcott, a lending institution in Norfolk, Virginia known to specialize in auto loans specifically. Prior to finding Home Savings Bank FSB, Shanae was desperate due to their inexperience and good credit rating.

Conclusion of Shanae’s auto loan

In the end, Shanae was able to find an auto loan for $78000 with an interest rate of 11.2% interest APR from Home Savings Bank FSB in Norfolk, Virginia repayable over 15 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.