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2 Year Auto Loan For Charise In Boulder Colorado

$90000 Auto Loan – Boulder Colorado, Credit Score Of 513

  • Experian: 527 – They had a fair Experian score
  • Transunion: 496 – Charise had a fair credit rating with Transunion.
  • Equifax: Charise’s Experian score was 513, which is a fair credit score on the Experian rating scheme.

Charise’s Overall FICO score at the time of acceptance for an auto loan, taking into account their commercial fisherman job and their future career as a mechanical drafter

Fico Score: 513

Previous requests on Charise’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$129710.00 11 5.6% $1318.41 Affiliated National Bank – Delta September 29, 2011
$130350.00 10 10.7% $1773.51 Central Bank, National Association March 22, 2013
$129800.00 11 6.5% $1378.96 The Colorado Bank and Trust Company of La Junta March 23, 2013
$130110.00 5 6.4% $2539.66 Colorado State Bank and Trust, N. A. July 17, 2013

Charise was declined by Colorado National Bank 5 times before being approved by Norwest Bank Boulder, National Association at 1242 Pearl Street

On December 27, 2013, Charise applied about borrowing $35,000 from Norwest Bank Boulder, National Association with Windy, their in law from just outside Boulder, and even with the co-signer, Charise was rejected for this auto loan. With fair credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Before applying for this auto loan, Charise had an Experian score of 527, which is fair, so Norwest Bank Boulder, National Association most likely cannot provide Charise an auto loan

Experian Score: 527

Installment loan for Charise, a graduate of Salisbury University and a commercial fisherman working for over $75,000 per year

Charise, an alumnus at Salisbury University and a commercial fisherman in Boulder, Colorado needs an auto loan to purchase a house. Charise has instead decided to get an installment loan for $24,000 and is currently seeking lenders like Affiliated National Bank – Delta to process their request.

When Charise was 19, they attempted to obtain a student loan from 5 alternate lenders, which damaged their credit score. Below is a chronology of Charise’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $39,000.00 on March 10, 2013
  • Attempt 2) Loan for $34,000.00 on January 13, 2011
  • Attempt 3) Loan for $34,000.00 on December 17, 2013
  • Attempt 4) Loan for $23,000.00 on July 5, 2009
  • Attempt 5) Loan for $30,000.00 on February 6, 2012
Client Profile: Charise Givens of Boulder, Colorado
  • Full name (Changed if requested): Charise Givens
  • Current Credit: loans.hit.utils.Fico@4b6995df
  • Current City: Boulder
  • State: Colorado
  • Zip code: 80305
  • Yearly income: $38,000
  • Current Job: commercial fisherman
  • Current County: Boulder
  • Goal Yearly Income: $109,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Paraphrased and Standardized Quote from Charise for this auto loan of $90000, provided by Norwest Bank Boulder, National Association

Hello, I am Charise and I’m from Boulder in Colorado. Boulder, county is where I grew up, and now I need a auto loan in Colorado for $90000 to buy a big ticket item. It has been difficult, but Norwest Bank Boulder, National Association really came through for me with this loan for 11.0% interest APR and a term of 7 years. I can probably repay the loan over the 7 year term, including interest. A big thanks to Norwest Bank Boulder, National Association for giving me a chance and my fair credit. It look me 6 years to build my credit to 513, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Personal Loan for a commercial fisherman named Charise in Boulder, Colorado to Pay Off Fred Meyer Rewards Visa Card

Charise had a tonne of credit card debt on their Lufthansa Miles & More Premier World MasterCard and their Justice FCU FBI-LEEDA Visa Rewards Credit Card, and they were starting to get in over their heads. Despite Charise’s job as a commercial fisherman, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $32,000.00 to $45,000.00. They are typically used to pay off existing high interest loans like credit cards. Charise needed a debt consolidation loan to pay for their existing auto loan and their credit card. Charise 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 less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 4.3%.

7 Months in the Past, Charise Tried Finding a High Risk Loan for $40,000.00, and it was Hard

There is an ongoing struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Charise. Charise decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Individuals with credit scores as low as 356 can apply for a high risk loan and possibly can be accepted.

Charise’s Transunion score was altered by the auto loan loan, changing to 496 from 513, which is normal in our experience.

Transunion Score: 496

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

  • Norwest Bank Boulder, National Association
  • City: Boulder
  • State: Colorado
  • Address: 1242 Pearl Street
  • County: Boulder
  • Zip code: 80302

Signature Loan easily acquired in Boulder, Colorado for $90000 with fair credit by Charise

A lot of borrowers have difficulty with finding signature loans in Boulder, Colorado, and Charise is no exception. Charise went to 7 lenders or more before finding Norwest Bank Boulder, National Association, who offered Charise a signature loan for $90000. Most signature loans simply need a client, like Charise’s signature to obtain them, up to $37,000 in some cases. Charise was able to get $90000 as a auto loan, which is very high for an auto loan. Since signature loans don’t need collateral, these loans tend to require improved credit, as high as 758

Charise has a sad current gross income, but has several of prospects

Charise has always wanted to be a mechanical drafter, but would need attend Salisbury University again to achieve it. Charise has other possibilities as well, including foreign language translator, water pollution control inspector, and forensics psychologist, which pay $56,000 through to $103,000 per year, on average. For this reason, we believe that Charise can afford this auto loan of $90000.

Multiple past requests for credit have been made by Charise in the past, including one from First Farmers Bank and Trust Company in Boulder, Colorado before Charise was accepted for the $90000 by Norwest Bank Boulder, National Association

Charise made 4 previous tries to obtain an auto loan, 2 of which were with First Farmers Bank and Trust Company, a lender in Boulder, Colorado known to specialize in auto loans specifically. Before finding Norwest Bank Boulder, National Association, Charise was very concerned due to their inexperience and fair credit score.

Fast Loans for Charise in Boulder, Colorado to prevent bankruptcy or harm from debt collectors.

Fast loans in Boulder, Colorado aren’t actually that difficult to obtain, particularly if you have some finesse like Charise. Charise was able to find a fast loan for $90000 from IntraWest Bank of Denver, National Association and IntraWest Bank of Denver, National Association, but declined both offers in favor of their auto loan from Norwest Bank Boulder, National Association. 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 6 weeks for personal loans. A big improvement if a borrower is on the go.

Conclusion of Charise’s auto loan

In the end, Charise was able to find an auto loan for $90000 with an interest rate of 8.4% interest APR from Norwest Bank Boulder, National Association in Boulder, Colorado repayable over 7 years from now.

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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