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6 Month Signature Loan For Roxie In Riviera Beach Florida

$108000 Signature Loan – Riviera Beach Florida, Credit Rating Of 329

  • Experian: 346 – They had a terrible Experian score
  • Transunion: 311 – Roxie had a terrible credit score with Transunion.
  • Equifax: Roxie’s Experian score was 329, which is a terrible credit rating on the Experian rating scheme.

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

  • Attempt 1) Loan for $23,000.00 on March 15, 2013
  • Attempt 2) Loan for $37,000.00 on February 9, 2012
  • Attempt 3) Loan for $22,000.00 on January 12, 2012
  • Attempt 4) Loan for $25,000.00 on January 23, 2010
  • Attempt 5) Loan for $37,000.00 on January 7, 2013

Paraphrased and Standardized Quote from Roxie for this signature loan of $108000, provided by Southern Floridabanc Savings Association

Hi, I am Roxie and I’m from Riviera Beach in Florida. Palm Beach, county is where I grew up, and now I need a signature loan in Florida for $108000 to renovate my home. It has been difficult, but Southern Floridabanc Savings Association really came through for me with this loan for 10.4% interest APR and a term of 14 years. I can probably repay the loan over the 14 year term, including interest. A big thanks to Southern Floridabanc Savings Association for trusting me and my terrible credit. It look me 9 years to create my credit to 329, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for helping me this far.

Roxie was rejected by The Perkins State Bank 5 times prior to being accepted by Southern Floridabanc Savings Association at 1217 East Blue Heron Blvd

On April 10, 2009, Roxie inquired about borrowing $18,000 from Barnett Bank of Putnam County with Willette, their friend from just outside Riviera Beach, and even with the co-signer, Roxie was rejected for this signature loan. With terrible credit, it can be very hard to obtain funding, even with collateral and a co-signer.

Client Profile: Roxie Manaugh of Riviera Beach, Florida
  • Full name (Changed if requested): Roxie Manaugh
  • Current Credit: loans.hit.utils.Fico@3ac42916
  • Current City: Riviera Beach
  • State: Florida
  • Zip code: 33411
  • Yearly income: $63,000
  • Current Job: reliability engineer
  • Current County: Palm Beach
  • Goal Yearly Income: $91,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Before applying for this signature loan, Roxie had an Experian score of 346, which is terrible, so Southern Floridabanc Savings Association probably cannot provide Roxie a signature loan

Experian Score: 346

Contact Details for Southern Floridabanc Savings Association, the provider of this signature loan

  • Southern Floridabanc Savings Association
  • City: Riviera Beach
  • State: Florida
  • Address: 1217 East Blue Heron Blvd
  • County: Palm Beach
  • Zip code: 33404

Roxie has a disappointing current gross income, but has a large amount of prospects

Roxie has always wanted to be a brattice builder, but would need attend University of Vermont again to become one. Roxie has other possibilities as well, including manual arts therapist, child life specialist, and dietitian and nutritionist, which pay $58,000 through to $104,000 per year, at least. For this reason, we think that Roxie can afford this signature loan of $108000.

Roxie’s Overall FICO score at the time of acceptance for a signature loan, taking into account their reliability engineer job and their future job as a brattice builder

Fico Score: 329

Personal Loan for a reliability engineer named Roxie in Riviera Beach, Florida to Pay Off KingSize Rewards Visa Platinum

Roxie had a lot of credit card debt on their Jeff Bank College Rewards Visa Card and their Fulton Bank Visa Signature Bonus Rewards Card, and they were starting to get in over their heads. Despite Roxie’s job as a reliability engineer, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Roxie’s Transunion score was changed by the signature loan loan, changing to 311 from 329, which is normal in our experience.

Transunion Score: 311

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

Normal debt consolidation loans vary from $36,000.00 to $54,000.00. They are normally used to pay off existing high interest loans like credit cards. Roxie required a debt consolidation loan to pay for their existing signature loan and their payday loan. Roxie was able to find a signature loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.7%.

Many previous requests for credit have been made by Roxie in the past, including one from Bank of Hartwell in Riviera Beach, Florida before Roxie was accepted for the $108000 by Southern Floridabanc Savings Association

Roxie made 5 previous tries to obtain a signature loan, 2 of which were with Bank of Hartwell, a lender in Riviera Beach, Florida known to specialize in signature loans specifically. Prior to finding Southern Floridabanc Savings Association, Roxie was desperate due to their inexperience and terrible credit rating.

Previous requests on Roxie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$88310.00 4 7.4% $2131.12 NCNB National Bank of Florida August 9, 2012
$88150.00 5 8.8% $1821.3 Southeast Bank of Madison County, National Association June 1, 2014
$87530.00 5 6.4% $1708.53 Southeast Bank of Wildwood September 10, 2014
$88470.00 7 7.5% $1356.98 Atlantic Bank of Jacksonville April 1, 2015

Signature Loan easily acquired in Riviera Beach, Florida for $108000 with terrible credit by Roxie

Many prospective borrowers have difficulty with obtaining signature loans in Riviera Beach, Florida, and Roxie is not an exception. Roxie went to 4 lenders or more prior to settling on Southern Floridabanc Savings Association, who offered Roxie a signature loan for $108000. Most signature loans simply need a client, like Roxie’s signature to get them, up to $26,000 in some cases. Roxie was able to get $108000 as a signature loan, which is very high for a signature loan. Since signature loans do not require collateral, they tend to require improved credit, as high as 739

7 Months in the Past, Roxie Tried to Find a High Risk Loan for $43,000.00, and it was Hard

There is an existing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Roxie. Roxie decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Clients with credit ratings as low as 529 can apply for a high risk loan and have a chance to be accepted.

Installment loan for Roxie, a graduate of University of Vermont and a reliability engineer working for over $60,000 per year

Roxie, an alumnus at University of Vermont and a reliability engineer in Riviera Beach, Florida needs a signature loan to purchase a house. Roxie has instead decided to get an installment loan for $20,000 and is at present seeking lenders like Sun Bank/Palm Beach County, National Association to process their request.

Fast Loans for Roxie in Riviera Beach, Florida to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Riviera Beach, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Roxie. Roxie was able to find a fast loan for $108000 from Southeast Bank of Perry, National Association and Seacoast National Bank, but turned down both offers in favor of their signature loan from Southern Floridabanc Savings Association. 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 6 weeks for debt consolidation loans. A big difference in the case that a borrower is in a pinch.

Conclusion of Roxie’s signature loan

In the end, Roxie was able to find a signature loan for $108000 with an interest rate of 7.4% interest APR from Southern Floridabanc Savings Association in Riviera Beach, Florida repayable over 14 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.