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$8000 Consolidation Loan With Fair Credit In Clearwater Florida

$8000 Consolidation Loan – Clearwater Florida, Credit Score Of 516

  • Experian: 531 – This individual had a fair Experian score
  • Transunion: 501 – Latonya had a fair credit score with Transunion.
  • Equifax: Latonya’s Experian score was 516, which is a fair credit score on the Experian rating scheme.

Fast Loans for Latonya in Clearwater, Florida to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Clearwater, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Latonya. Latonya was able to find a fast loan for $8000 from Southeast Bank of Wildwood and Sun Bank and Trust Company, but turned down both offers in favor of their consolidation loan from Fortune Bank a Savings Bank. The difference 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. An improvement if you are on the go.

Signature Loan found in Clearwater, Florida for $8000 with fair credit by Latonya

Most clients struggle with obtaining signature loans in Clearwater, Florida, and Latonya is no exception. Latonya went to 7 lending institutions or more prior to finding Fortune Bank a Savings Bank, who offered Latonya a signature loan for $8000. Typical signature loans simply require a client, like Latonya’s signature to obtain them, up to $38,000 in some cases. Latonya was able to get $8000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans don’t need collateral, they generally require improved credit, as high as 771

Installment loan for Latonya, a graduate of Centenary College and a marine drafter working for over $69,000 per year

Latonya, an alumnus at Centenary College and a marine drafter in Clearwater, Florida wants a consolidation loan to purchase a new cell phone. Latonya has instead chosen to get an installment loan for $20,000 and is at present seeking lenders like The First Bankers of Polk County to provide it.

Personal Loan for a marine drafter named Latonya in Clearwater, Florida to Pay Off Sears MasterCard

Latonya had a tonne of credit card debt on their Gap Visa Card and their Rainbow Card Credit Card, and they were starting to get in over their heads. Despite Latonya’s job as a marine drafter, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Latonya has a very low current total income, but has a high number of prospects

Latonya has always wanted to be a computer hardware technician, but would have to attend Centenary College again to become one. Latonya has other prospects as well, including structural drafter, political scientist, and foreign exchange trader, which pay $50,000 through to $95,000 per year, at least. For this reason, we think that Latonya can afford this consolidation loan of $8000.

Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $33,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Latonya required a debt consolidation loan to pay for their existing consolidation loan and their loan shark loan. Latonya was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.6%.

Latonya was rejected by Southern Exchange Bank 5 times prior to being accepted by Fortune Bank a Savings Bank at 2120 U S 19 South

On August 4, 2010, Latonya inquired about borrowing $49,000 from Atlantic Bank of Jacksonville with Malka, their friend from just outside Clearwater, and even with the co-signer, Latonya was rejected for this consolidation loan. With fair credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Many previous requests for credit have been made by Latonya in the past, including one from Bank of Astoria in Clearwater, Florida before Latonya was approved for the $8000 by Fortune Bank a Savings Bank

Latonya made 8 previous attempts to obtain a consolidation loan, 2 of which were with Bank of Astoria, a bank in Clearwater, Florida known to specialize in consolidation loans specifically. Before finding Fortune Bank a Savings Bank, Latonya was very concerned due to their inexperience and fair credit rating.

Previous requests on Latonya’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$63490.00 9 8.3% $836.46 NCNB National Bank of Florida November 4, 2008
$63120.00 11 6.2% $660.82 Southeast Bank of Madison County, National Association June 27, 2010
$63280.00 8 11.3% $1004.3 Southeast Bank of Wildwood October 28, 2010
$62880.00 3 6.1% $1915.78 Atlantic Bank of Jacksonville October 15, 2012
$63310.00 4 11.8% $1660.98 Century National Bank of Broward September 4, 2013

Latonya’s Transunion score was changed by the consolidation loan loan, changing to 501 from 516, which is normal in our experience.

Transunion Score: 501

Latonya’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their marine drafter job and their future career as a computer hardware technician

Fico Score: 516

Client Profile: Latonya Emmel of Clearwater, Florida
  • Full name (Changed if requested): Latonya Emmel
  • Current Credit: loans.hit.utils.Fico@439f5b3d
  • Current City: Clearwater
  • State: Florida
  • Zip code: 33550
  • Yearly income: $34,000
  • Current Job: marine drafter
  • Current County: Pinellas
  • Goal Yearly Income: $101,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Paraphrased and Standardized Quote from Latonya for this consolidation loan of $8000, provided by Fortune Bank a Savings Bank

Hi, I am Latonya and my hometown is Clearwater in Florida. Pinellas, county is where I grew up, and now I need a consolidation loan in Florida for $8000 to avoid bankruptcy. It wasn’t easy, but Fortune Bank a Savings Bank really came through for me with this loan for 8.4% interest APR and a term of 10 years. I can probably repay the loan over the 10 year term, including interest. A big thanks to Fortune Bank a Savings Bank for giving me a chance and my fair credit. It look me 8 years to build my credit to 516, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.

Before applying for this consolidation loan, Latonya had an Experian score of 531, which is fair, so Fortune Bank a Savings Bank probably cannot provide Latonya a consolidation loan

Experian Score: 531

8 Months Ago, Latonya Tried to Find a High Risk Loan for $24,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Latonya. Latonya chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Borrowers with credit scores as low as 359 can inquire for a high risk loan and may be be approved.

When Latonya was 21, they tried to obtain a student loan from 6 different banks, which harmed their credit score. Below is a list of Latonya’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on May 8, 2013
  • Attempt 2) Loan for $37,000.00 on August 2, 2011
  • Attempt 3) Loan for $21,000.00 on August 13, 2010
  • Attempt 4) Loan for $39,000.00 on September 5, 2011
  • Attempt 5) Loan for $27,000.00 on April 4, 2014
  • Attempt 6) Loan for $33,000.00 on December 6, 2012

Contact Details for Fortune Bank a Savings Bank, the provider of this consolidation loan

  • Fortune Bank a Savings Bank
  • City: Clearwater
  • State: Florida
  • Address: 2120 U S 19 South
  • County: Pinellas
  • Zip code: 33546

Conclusion of Latonya’s consolidation loan

In the end, Latonya was able to find a consolidation loan for $8000 with an interest rate of 11.6% interest APR from Fortune Bank a Savings Bank in Clearwater, Florida repayable over 10 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.