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Auto Loan With Reasonable APR In Hillsborough County, Florida

$44000 Auto Loan – Hillsborough County Florida, Credit Score Of 614

  • Experian: 624 – This client had a good Experian score
  • Transunion: 595 – Lizbeth had a good credit score with Transunion.
  • Equifax: Lizbeth’s Experian score was 614, which is a good credit score on the Experian system.

Paraphrased and Standardized Quote from Lizbeth for this auto loan of $44000, provided by First Financial National Bank of Tampa

Hello, I am Lizbeth and I am from Hillsborough County in Florida. Hillsborough, county is where I grew up, and now I need a auto loan in Florida for $44000 to pay bills. It wasn’t easy, but First Financial National Bank of Tampa really came through for me with this loan for 5.3% interest APR and a term of 19 years. I can probably repay the loan over the 19 year term, including interest. A big thanks to First Financial National Bank of Tampa for trusting me and my good credit. It look me 9 years to create my credit to 614, and I won’t harm it any future. I am happy with Find Texas Loans for helping me this far.

Lizbeth was not approved by Sun Bank and Trust Company 7 times prior to being approved by First Financial National Bank of Tampa at 14990 North Florida Avenue

On October 11, 2012, Lizbeth inquired about borrowing $8,000 from SunTrust Bank, Tampa Bay with Freeda, their friend from just outside Hillsborough County, and even with the co-signer, Lizbeth was rejected for this auto loan. With good credit, it can be difficult to obtain funding, even with collateral and a co-signer.

Installment loan for Lizbeth, a graduate of California State Polytechnic University – Pomona and a biology professor working for over $78,000 per year

Lizbeth, an alumnus at California State Polytechnic University – Pomona and a biology professor in Hillsborough County, Florida needs an auto loan to purchase a new cell phone. Lizbeth has instead chosen to obtain an installment loan for $29,000 and is currently seeking lenders like Barnett Bank of Putnam County to provide it.

Client Profile: Lizbeth Collette of Hillsborough County, Florida
  • Full name (Changed if requested): Lizbeth Collette
  • Current Credit: loans.hit.utils.Fico@2e5d6d97
  • Current City: Hillsborough County
  • State: Florida
  • Zip code: 33617
  • Yearly income: $45,000
  • Current Job: biology professor
  • Current County: Hillsborough
  • Goal Yearly Income: $109,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Lizbeth’s Overall FICO score at the time of acceptance for an auto loan, taking into account their biology professor job and their future career as a highway maintenance worker

Fico Score: 614

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $20,000.00 to $45,000.00. They are mainly used to pay off existing high interest loans like credit cards. Lizbeth required a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Lizbeth was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.0%.

Previous requests on Lizbeth’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$82300.00 11 5.1% $815.93 NCNB National Bank of Florida January 9, 2010
$81790.00 3 9.4% $2616.15 Southeast Bank of Madison County, National Association March 30, 2013
$82170.00 9 6.3% $998.75 Southeast Bank of Wildwood July 2, 2013
$81690.00 6 11.4% $1571.68 Atlantic Bank of Jacksonville July 11, 2013
$82250.00 3 6.3% $2513.4 Century National Bank of Broward July 22, 2014

Before applying for this auto loan, Lizbeth had an Experian score of 624, which is good, so First Financial National Bank of Tampa probably cannot provide Lizbeth an auto loan

Experian Score: 624

Many past requests for credit have been made by Lizbeth in the past, including one from Delta Federal Savings, F.S.B. in Hillsborough County, Florida before Lizbeth was approved for the $44000 by First Financial National Bank of Tampa

Lizbeth made 6 previous attempts to obtain an auto loan, 2 of which were with Delta Federal Savings, F.S.B., a lending institution in Hillsborough County, Florida known to specialize in auto loans specifically. Prior to finding First Financial National Bank of Tampa, Lizbeth was desperate due to their inexperience and good credit rating.

Contact Details for First Financial National Bank of Tampa, the provider of this auto loan

  • First Financial National Bank of Tampa
  • City: Hillsborough County
  • State: Florida
  • Address: 14990 North Florida Avenue
  • County: Hillsborough
  • Zip code: 33612

Lizbeth has a very low current yearly income, but has several of prospects

Lizbeth has always wanted to be a highway maintenance worker, but would need attend California State Polytechnic University – Pomona again to achieve it. Lizbeth has other prospects as well, including windows – draperies treatment specialist, human factors psychologist, and law professor, which pay $56,000 through to $95,000 per year, on average. For this reason, we think that Lizbeth can afford this auto loan of $44000.

Personal Loan for a biology professor named Lizbeth in Hillsborough County, Florida to Pay Off REI World MasterCard

Lizbeth had a lot of credit card debt on their Garfield Visa With Rewards from Commerce Bank and their Asiana Visa Business Card, and they were starting to get in over their heads. Despite Lizbeth’s job as a biology professor, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Lizbeth was 21, they tried to obtain a student loan from 4 alternate lenders, which damaged their credit score. Below is a chronology of Lizbeth’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on May 16, 2009
  • Attempt 2) Loan for $29,000.00 on March 9, 2010
  • Attempt 3) Loan for $26,000.00 on March 12, 2010
  • Attempt 4) Loan for $24,000.00 on September 1, 2010

9 Months in the Past, Lizbeth Tried Finding a High Risk Loan for $21,000.00, and it was Easy

There is an existing struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Lizbeth. Lizbeth decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit applicants. Borrowers with credit scores as low as 351 can inquire for a high risk loan and may be be approved.

Lizbeth’s Transunion score was changed by the auto loan loan, changing to 595 from 614, which is typical in our experience.

Transunion Score: 595

Fast Loans for Lizbeth in Hillsborough County, Florida to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Hillsborough County, Florida aren’t actually that difficult to obtain, especially if you have some gumption like Lizbeth. Lizbeth was able to find a fast loan for $44000 from Barnett Bank of Putnam County and First Bank of Crestview, but declined both offers in favor of their auto loan from First Financial National Bank of Tampa. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference in the case that a client is in a time sensitive situation.

Signature Loan easily acquired in Hillsborough County, Florida for $44000 with good credit by Lizbeth

A lot of prospective borrowers struggle with finding signature loans in Hillsborough County, Florida, and Lizbeth is the same. Lizbeth went to 8 lending institutions or more prior to settling on First Financial National Bank of Tampa, who offered Lizbeth a signature loan for $44000. Typical signature loans simply require a client, like Lizbeth’s signature to obtain them, up to $22,000 in some cases. Lizbeth was able to get $44000 as a auto loan, which is very high for an auto loan. Since signature loans don’t need a cosigner, these loans generally require better credit, as high as 742

Conclusion of Lizbeth’s auto loan

In the end, Lizbeth was able to find an auto loan for $44000 with an interest rate of 10.2% interest APR from First Financial National Bank of Tampa in Hillsborough County, Florida repayable over 19 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.