$128000 Auto Loan – Campbellsville Kentucky, Credit Rating Of 366
- Experian: 383 – This individual had a terrible Experian rating
- Transunion: 353 – Rufus had a terrible credit score with Transunion.
- Equifax: Rufus’s Experian score was 366, which is a terrible credit rating using the Experian system.
Debt Consolidation Can Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans vary from $38,000.00 to $57,000.00. They are typically used to pay off existing high interest loans like credit cards. Rufus needed a debt consolidation loan to pay for their existing auto loan and their credit card. Rufus was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.3%.
- Full name (Changed if requested): Rufus Spore
- Current Credit: loans.hit.utils.Fico@26a1ab54
- Current City: Campbellsville
- State: Kentucky
- Zip code: 42723
- Yearly income: $44,000
- Current Job: insurance policy processing clerk
- Current County: Taylor
- Goal Yearly Income: $146,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Rufus’s Transunion score was changed by the auto loan loan, changing to 353 from 366, which is typical in our experience.
Installment loan for Rufus, a graduate of Molloy College and an insurance policy processing clerk working for over $65,000 per year
Rufus, an alumnus at Molloy College and an insurance policy processing clerk in Campbellsville, Kentucky wants an auto loan to purchase something frivolous. Rufus has instead chosen to get an installment loan for $17,000 and is currently seeking lenders like Community Financial Services Bank to provide it.
Previous requests on Rufus’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$120470.00||10||7.1%||$1404.98||Stock Yards Bank & Trust Company||November 27, 2009|
|$120150.00||9||8.2%||$1576.68||Farmers Deposit Bank of Brandenburg||May 28, 2011|
|$120140.00||9||6.2%||$1454.28||Citizens Bank||September 8, 2012|
|$120390.00||10||6.1%||$1342.63||Citizens Bank & Trust Company, Burgin, Kentucky||June 17, 2013|
Rufus has a low current gross income, but has a high number of prospects
Rufus has always wanted to be a property assessor, but would need attend Molloy College again to become one. Rufus has other possibilities as well, including labor relations advisor, construction trades supervisor, and sales floor stock clerk, which pay $52,000 through to $101,000 per year, on average. Because of this, we think that Rufus can afford this auto loan of $128000.
7 Months Ago, Rufus Tried Finding a High Risk Loan for $25,000.00, and it was Easy
There is an ongoing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or similar lenders, which can be physically harmful to borrowers like Rufus. Rufus chose not to get a high risk loan this time. High Risk loans are given to terrible credit borrowers. Borrowers with credit scores as low as 360 can apply for a high risk loan and may be be accepted.
Personal Loan for an insurance policy processing clerk named Rufus in Campbellsville, Kentucky to Pay Off Ohio Savings Bank American Express Card
Rufus had a tonne of credit card debt on their First Hawaiian Bank United MileagePlus Credit Card and their Associated Bank College Rewards Visa Card, and they were starting to get in over their heads. Despite Rufus’s job as an insurance policy processing clerk, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Rufus’s Overall FICO score at the time of acceptance for an auto loan, taking into account their insurance policy processing clerk job and their future job as a property assessor
Signature Loan found in Campbellsville, Kentucky for $128000 with terrible credit by Rufus
Most borrowers struggle with finding signature loans in Campbellsville, Kentucky, and Rufus is not an exception. Rufus went to 4 lenders or more prior to settling on Campbellsville National Bank, who offered Rufus a signature loan for $128000. Typical signature loans simply require a client, like Rufus’s signature to obtain them, up to $34,000 in some cases. Rufus was able to get $128000 as a auto loan, which is very high for an auto loan. Since signature loans don’t need a cosigner, they generally require higher credit, as high as 762
Contact Details for Campbellsville National Bank, the provider of this auto loan
- Campbellsville National Bank
- City: Campbellsville
- State: Kentucky
- Address: 1405 East Broadway
- County: Taylor
- Zip code: 42718
When Rufus was 21, they tried to obtain a student loan from 4 different lenders, which harmed their credit score. Below is a chronology of Rufus’s prior attempts at finding a student loan:
- Attempt 1) Loan for $33,000.00 on February 4, 2011
- Attempt 2) Loan for $33,000.00 on December 21, 2009
- Attempt 3) Loan for $25,000.00 on June 13, 2011
- Attempt 4) Loan for $39,000.00 on August 30, 2011
Many past requests for credit have been made by Rufus in the past, including one from Security State Bank of Wanamingo in Campbellsville, Kentucky before Rufus was accepted for the $128000 by Campbellsville National Bank
Rufus made 8 previous attempts to obtain an auto loan, 2 of which were with Security State Bank of Wanamingo, a bank in Campbellsville, Kentucky known to specialize in auto loans specifically. Before finding Campbellsville National Bank, Rufus was desperate due to their inexperience and terrible credit score.
Paraphrased and Standardized Quote from Rufus for this auto loan of $128000, provided by Campbellsville National Bank
Hi, I am Rufus and I am from Campbellsville in Kentucky. Taylor, county is where I grew up, and now I need a auto loan in Kentucky for $128000 to pay bills. It wasn’t easy, but Campbellsville National Bank really came through for me with this loan for 10.2% interest APR and a term of 20 years. I can probably repay the loan over the 20 year term, including interest. A big thanks to Campbellsville National Bank for trusting me and my terrible credit. It look me 5 years to build my credit to 366, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.
Fast Loans for Rufus in Campbellsville, Kentucky to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Campbellsville, Kentucky aren’t actually that difficult to obtain, especially if you have some gumption like Rufus. Rufus was able to find a fast loan for $128000 from Hyden Citizens Bank and Bank of Danville and Trust Company, but declined both offers in favor of their auto loan from Campbellsville National Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big difference if a client is on the go.
Rufus was rejected by Morgantown Bank & Trust Company, Incorporated 6 times before being granted funding by Campbellsville National Bank at 1405 East Broadway
On February 10, 2012, Rufus applied about borrowing $39,000 from The Bank of Whitesburg with Bill, their friend from just outside Campbellsville, and even with the co-signer, Rufus was rejected for this auto loan. With terrible credit, it can be very hard to obtain funding, even with collateral and a co-signer.
Before applying for this auto loan, Rufus had an Experian score of 383, which is terrible, so Campbellsville National Bank likely cannot provide Rufus an auto loan
Conclusion of Rufus’s auto loan
In the end, Rufus was able to find an auto loan for $128000 with an interest rate of 9.2% interest APR from Campbellsville National Bank in Campbellsville, Kentucky repayable over 20 years from now.