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7 Year Auto Loan For Shantae In North Hollywood California

$46000 Auto Loan – North Hollywood California, Credit Score Of 590

  • Experian: 608 – The client had a fair Experian score
  • Transunion: 576 – Shantae had a fair credit rating with Transunion.
  • Equifax: Shantae’s Experian score was 590, which is a fair credit rating on the Experian scale.

Shantae’s Overall FICO score at the time of acceptance for an auto loan, taking into account their customs inspector job and their future career as a human resources management consultant

Fico Score: 590

Shantae’s Transunion score was changed by the auto loan loan, changing to 576 from 590, which is typical in our experience.

Transunion Score: 576

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

Normal debt consolidation loans vary from $26,000.00 to $41,000.00. They are mainly used to pay off existing high interest loans like credit cards. Shantae needed a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Shantae was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.6%.

Fast Loans for Shantae in North Hollywood, California to prevent bankruptcy or harm from debt collectors.

Fast loans in North Hollywood, California aren’t actually that difficult to obtain, particularly if you have some gumption like Shantae. Shantae was able to find a fast loan for $46000 from Southern California First National Bank and Southern California First National Bank, but turned down both offers in favor of their auto loan from North Hollywood Federal Savings and Loan Association. 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 6 weeks for personal loans. A big improvement if you are in a time sensitive situation.

Client Profile: Shantae Venus of North Hollywood, California
  • Full name (Changed if requested): Shantae Venus
  • Current Credit: loans.hit.utils.Fico@1d56ce6a
  • Current City: North Hollywood
  • State: California
  • Zip code: 91612
  • Yearly income: $65,000
  • Current Job: customs inspector
  • Current County: Los Angeles
  • Goal Yearly Income: $107,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Many previous requests for credit have been made by Shantae in the past, including one from Union Planters Bank of the Tennessee Valley in North Hollywood, California before Shantae was accepted for the $46000 by North Hollywood Federal Savings and Loan Association

Shantae made 8 prior attempts to obtain an auto loan, 2 of which were with Union Planters Bank of the Tennessee Valley, a bank in North Hollywood, California known to specialize in auto loans specifically. Before finding North Hollywood Federal Savings and Loan Association, Shantae was concerned due to their inexperience and fair credit rating.

Installment loan for Shantae, a graduate of Greater Cincinnati Center for Montessori Education and a customs inspector working for over $72,000 per year

Shantae, an alumnus at Greater Cincinnati Center for Montessori Education and a customs inspector in North Hollywood, California needs an auto loan to purchase something frivolous. Shantae has instead chosen to get an installment loan for $27,000 and is currently seeking lenders like Pacific Western Bank to provide it.

Previous requests on Shantae’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$68120.00 6 5.5% $1112.94 Santa Monica Bank May 28, 2012
$67550.00 3 10.4% $2192.36 Farmers and Merchants Bank of Long Beach June 25, 2014
$67760.00 10 8.6% $843.76 First Interstate Bank of California May 16, 2015
$67600.00 5 6.1% $1310.04 Union Bank July 2, 2015

Paraphrased and Standardized Quote from Shantae for this auto loan of $46000, provided by North Hollywood Federal Savings and Loan Association

Hello, I am Shantae and my hometown is North Hollywood in California. Los Angeles, county is where I grew up, and now I need a auto loan in California for $46000 to buy a big ticket item. It wasn’t easy, but North Hollywood Federal Savings and Loan Association really came through for me with this loan for 6.7% interest APR and a term of 5 years. I will repay the loan over the 5 year term, including interest. A big thanks to North Hollywood Federal Savings and Loan Association for giving me a chance and my fair credit. It look me 8 years to create my credit to 590, and I won’t harm it any more. I’m happy with Find Texas Loans for assisting me this far.

Contact Details for North Hollywood Federal Savings and Loan Association, the provider of this auto loan

  • North Hollywood Federal Savings and Loan Association
  • City: North Hollywood
  • State: California
  • Address: 4455 Lankershim Blvd
  • County: Los Angeles
  • Zip code: 91603

Shantae has a disappointing current yearly income, but has a high number of prospects

Shantae has always wanted to be a human resources management consultant, but would need attend Greater Cincinnati Center for Montessori Education again to achieve it. Shantae has other prospects as well, including construction laborer, building inspector, and preschool teacher, which pay $51,000 through to $106,000 per year, on average. Because of this, we think that Shantae can afford this auto loan of $46000.

When Shantae was 18, they attempted to obtain a student loan from 6 different lenders, which harmed their credit score. Below is a list of Shantae’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on June 14, 2009
  • Attempt 2) Loan for $28,000.00 on June 16, 2009
  • Attempt 3) Loan for $31,000.00 on March 16, 2009
  • Attempt 4) Loan for $21,000.00 on October 31, 2009
  • Attempt 5) Loan for $23,000.00 on December 10, 2010
  • Attempt 6) Loan for $39,000.00 on August 27, 2009

9 Months in the Past, Shantae Tried Finding a High Risk Loan for $48,000.00, but They Didn’t Find What They were Expecting

There is an ongoing struggle for borrowers to find high risk loans in a safe manner. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Shantae. Shantae chose not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Clients with credit scores as low as 372 can inquire for a high risk loan and possibly can be approved.

Before applying for this auto loan, Shantae had an Experian score of 608, which is fair, so North Hollywood Federal Savings and Loan Association probably cannot provide Shantae an auto loan

Experian Score: 608

Shantae was rejected by The Merchants National Bank of Sacramento 6 times before being approved by North Hollywood Federal Savings and Loan Association at 4455 Lankershim Blvd

On June 1, 2012, Shantae inquired about borrowing $35,000 from First Trust Bank with Lanita, their friend from just outside North Hollywood, and even with the co-signer, Shantae was rejected for this auto loan. With fair credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Personal Loan for a customs inspector named Shantae in North Hollywood, California to Pay Off ABC Warehouse Credit Card

Shantae had a lot of credit card debt on their First National Bank Maximum Rewards Visa Card and their Smith Barney Platinum Select MasterCard, and they were starting to get in over their heads. Despite Shantae’s job as a customs inspector, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Signature Loan easily acquired in North Hollywood, California for $46000 with fair credit by Shantae

Most clients have difficulty with obtaining signature loans in North Hollywood, California, and Shantae is the same. Shantae went to 7 lending institutions or more before finding North Hollywood Federal Savings and Loan Association, who offered Shantae a signature loan for $46000. Typical signature loans simply require a client, like Shantae’s signature to obtain them, up to $34,000 in some cases. Shantae was able to get $46000 as a auto loan, which is very high for an auto loan. Since signature loans do not need a cosigner, these loans tend to need improved credit, as high as 789

Conclusion of Shantae’s auto loan

In the end, Shantae was able to find an auto loan for $46000 with an interest rate of 11.2% interest APR from North Hollywood Federal Savings and Loan Association in North Hollywood, California repayable over 5 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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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.