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$176000 Emergency Loan In La Belle Florida With Credit Score 468 For Alba

$176000 Emergency Loan – La Belle Florida, Credit Rating Of 468

  • Experian: 479 – They had a bad Experian score
  • Transunion: 450 – Alba had a bad credit score with Transunion.
  • Equifax: Alba’s Experian score was 468, which is a bad credit score on the Experian system.

Before applying for this emergency loan, Alba had an Experian score of 479, which is bad, so Hendry County Bank probably cannot provide Alba an emergency loan

Experian Score: 479

Paraphrased and Standardized Quote from Alba for this emergency loan of $176000, provided by Hendry County Bank

Hi, I am Alba and I am from La Belle in Florida. Hendry, county is where I grew up, and now I need a emergency loan in Florida for $176000 to pay bills. It wasn’t easy, but Hendry County Bank really came through for me with this loan for 8.3% interest APR and a term of 23 years. I can repay the loan over the 23 year term, including interest. A big thanks to Hendry County Bank for giving me a chance and my bad credit. It look me 9 years to build my credit to 468, and I won’t harm it any more. I am pleased with Find Texas Loans for helping me this far.

Personal Loan for a lathe operator named Alba in La Belle, Florida to Pay Off Umpqua Bank Visa Platinum

Alba had a lot of credit card debt on their US Bank Business Edge Platinum Card and their Bergners Rewards Credit Card, and they were starting to get in over their heads. Despite Alba’s job as a lathe operator, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Installment loan for Alba, a graduate of University of Texas Health Science Center Houston and a lathe operator working for over $78,000 per year

Alba, an alumnus at University of Texas Health Science Center Houston and a lathe operator in La Belle, Florida needs an emergency loan to purchase something frivolous. Alba has instead decided to get an installment loan for $10,000 and is at present seeking lenders like The Huntington National Bank of Lakeland to process their request.

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $30,000.00 to $44,000.00. They are mainly used to pay off existing high interest loans like credit cards. Alba required a debt consolidation loan to pay for their existing emergency loan and their credit card. Alba was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.8%.

Fast Loans for Alba in La Belle, Florida to prevent bankruptcy or broken legs from debt collectors.

Fast loans in La Belle, Florida aren’t actually that difficult to obtain, particularly if you have some gumption like Alba. Alba was able to find a fast loan for $176000 from The Broadway National Bank of Tampa and Southern Exchange Bank, but turned down both offers in favor of their emergency loan from Hendry County Bank. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. A big improvement if a client is in a pinch.

When Alba was 23, they attempted to obtain a student loan from 5 different lenders, which damaged their credit rating. Below is a chronology of Alba’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $21,000.00 on October 1, 2009
  • Attempt 2) Loan for $37,000.00 on August 14, 2011
  • Attempt 3) Loan for $28,000.00 on October 27, 2011
  • Attempt 4) Loan for $31,000.00 on March 15, 2012
  • Attempt 5) Loan for $29,000.00 on May 5, 2009
Client Profile: Alba Ditzler of La Belle, Florida
  • Full name (Changed if requested): Alba Ditzler
  • Current Credit: loans.hit.utils.Fico@c2e1f26
  • Current City: La Belle
  • State: Florida
  • Zip code: 33941
  • Yearly income: $45,000
  • Current Job: lathe operator
  • Current County: Hendry
  • Goal Yearly Income: $81,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

Alba’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their lathe operator job and their future job as a windows – draperies treatment specialist

Fico Score: 468

Several previous requests for credit have been made by Alba in the past, including one from Union Savings and Loan Association in La Belle, Florida before Alba was approved for the $176000 by Hendry County Bank

Alba made 8 previous attempts to obtain an emergency loan, 2 of which were with Union Savings and Loan Association, a lending institution in La Belle, Florida known to specialize in emergency loans specifically. Before finding Hendry County Bank, Alba was very concerned due to their inexperience and bad credit score.

Contact Details for Hendry County Bank, the provider of this emergency loan

  • Hendry County Bank
  • City: La Belle
  • State: Florida
  • Address: Bridge Street
  • County: Hendry
  • Zip code: 33935

Alba was not approved by Sun Bank of Osceola County 4 times before being granted funding by Hendry County Bank at Bridge Street

On May 24, 2010, Alba inquired about borrowing $33,000 from Seacoast National Bank with Thuy, their in law from just outside La Belle, and even with the co-signer, Alba was rejected for this emergency loan. With bad credit, it can be difficult to obtain funding, even with collateral and a co-signer.

9 Months in the Past, Alba Tried to Find a High Risk Loan for $49,000.00, and it was Easy

It is an existing struggle for clients to get high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Alba. Alba decided not to get a high risk loan this time. High Risk loans are given to bad credit clients. Individuals with credit scores as low as 490 can inquire for a high risk loan and possibly can be approved.

Signature Loan acquired in La Belle, Florida for $176000 with bad credit by Alba

Most borrowers struggle with finding signature loans in La Belle, Florida, and Alba is not an exception. Alba went to 6 lending institutions or more prior to settling on Hendry County Bank, who offered Alba a signature loan for $176000. Most signature loans simply need a client, like Alba’s signature to get them, up to $39,000 in some cases. Alba was able to get $176000 as a emergency loan, which is very high for an emergency loan. Since signature loans don’t require a cosigner, they generally require improved credit, as high as 736

Previous requests on Alba’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$43450.00 10 7.5% $515.76 NCNB National Bank of Florida February 16, 2013
$42600.00 5 8.1% $865.81 Southeast Bank of Madison County, National Association March 18, 2015
$42830.00 5 8.1% $870.49 Southeast Bank of Wildwood April 29, 2015
$43410.00 6 5.7% $713.3 Atlantic Bank of Jacksonville August 29, 2015

Alba has a sad current yearly income, but has several of prospects

Alba has always wanted to be a windows – draperies treatment specialist, but would have to attend University of Texas Health Science Center Houston again to achieve it. Alba has other prospects as well, including heavy equipment mechanic, elevator mechanic, and art therapist, which pay $53,000 through to $95,000 per year, on average. Because of this, we believe that Alba can afford this emergency loan of $176000.

Alba’s Transunion score was changed by the emergency loan loan, changing to 450 from 468, which is normal in our experience.

Transunion Score: 450

Conclusion of Alba’s emergency loan

In the end, Alba was able to find an emergency loan for $176000 with an interest rate of 5.0% interest APR from Hendry County Bank in La Belle, Florida repayable over 23 years from today.

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.