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$96000 Personal Loan With Terrible Credit In Coral Gables Florida

$96000 Personal Loan – Coral Gables Florida, Credit Score Of 310

  • Experian: 323 – This client had a terrible Experian rating
  • Transunion: 298 – Cleora had a terrible credit score with Transunion.
  • Equifax: Cleora’s Experian score was 310, which is a terrible credit score with the Experian system.

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $32,000.00 to $46,000.00. They are mainly used to pay off existing high interest loans like credit cards. Cleora needed a debt consolidation loan to pay for their existing personal loan and their credit card. Cleora was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which transfers your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 3.0%.

Previous requests on Cleora’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$55830.00 10 6.6% $636.78 NCNB National Bank of Florida April 8, 2012
$56100.00 7 9.2% $908.3 Southeast Bank of Madison County, National Association September 19, 2013
$56440.00 9 5.8% $672.04 Southeast Bank of Wildwood June 7, 2014
$56160.00 5 9.5% $1179.46 Atlantic Bank of Jacksonville June 20, 2014
$55850.00 3 8.1% $1752.71 Century National Bank of Broward August 21, 2014

Signature Loan found in Coral Gables, Florida for $96000 with terrible credit by Cleora

Many prospective borrowers have difficulty with obtaining signature loans in Coral Gables, Florida, and Cleora is the same. Cleora went to 8 lending institutions or more before finding Banesco USA, who offered Cleora a signature loan for $96000. Most signature loans simply need a client, like Cleora’s signature to get them, up to $40,000 in some cases. Cleora was able to get $96000 as a personal loan, which is very high for a personal loan. Because signature loans do not require collateral, these loans tend to require higher credit, as high as 761

Client Profile: Cleora Kilcrease of Coral Gables, Florida
  • Full name (Changed if requested): Cleora Kilcrease
  • Current Credit: loans.hit.utils.Fico@246b179d
  • Current City: Coral Gables
  • State: Florida
  • Zip code: 33136
  • Yearly income: $45,000
  • Current Job: boat builder
  • Current County: Miami-Dade
  • Goal Yearly Income: $95,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Cleora was not approved by The Florida National Bank at Orlando 7 times before being approved by Banesco USA at 150 Alhambra Circle, Suite 100

On December 15, 2008, Cleora inquired about borrowing $9,000 from Southeast Bank of Madison County, National Association with Keva, their friend from just outside Coral Gables, and even with the co-signer, Cleora was rejected for this personal loan. With terrible credit, it can be very hard to procure funding, even with collateral and a co-signer.

Cleora has a very low current gross income, but has a large amount of prospects

Cleora has always wanted to be a restaurant food coordinator, but would have to attend Manatee Technical Institute again to become one. Cleora has other prospects as well, including physician’s office nurse, excavating supervisor, and quality control technician, which pay $52,000 through to $96,000 per year, at least. Because of this, we think that Cleora can pay for this personal loan of $96000.

Before applying for this personal loan, Cleora had an Experian score of 323, which is terrible, so Banesco USA most likely cannot provide Cleora a personal loan

Experian Score: 323

When Cleora was 22, they attempted to obtain a student loan from 7 alternate banks, which damaged their credit score. Below is a chronology of Cleora’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $38,000.00 on December 5, 2009
  • Attempt 2) Loan for $33,000.00 on November 10, 2008
  • Attempt 3) Loan for $37,000.00 on August 28, 2010
  • Attempt 4) Loan for $20,000.00 on February 17, 2009
  • Attempt 5) Loan for $32,000.00 on April 29, 2011
  • Attempt 6) Loan for $20,000.00 on March 23, 2012
  • Attempt 7) Loan for $33,000.00 on December 1, 2011

Contact Details for Banesco USA, the provider of this personal loan

  • Banesco USA
  • City: Coral Gables
  • State: Florida
  • Address: 150 Alhambra Circle, Suite 100
  • County: Miami-Dade
  • Zip code: 33134

Fast Loans for Cleora in Coral Gables, Florida to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Coral Gables, Florida aren’t actually that difficult to obtain, especially if you have some finesse like Cleora. Cleora was able to find a fast loan for $96000 from The Broadway National Bank of Tampa and Citizens Bank of Marianna, but declined both offers in favor of their personal loan from Banesco USA. 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 debt consolidation loans. A big difference in the case that a client is in a time sensitive situation.

7 Months in the Past, Cleora Attempted to Find a High Risk Loan for $44,000.00, and it was Hard

It is an well known struggle for clients to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or the like, which can be scary to borrowers like Cleora. Cleora chose not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit individuals. Borrowers with credit scores as low as 504 can apply for a high risk loan and possibly can be accepted.

Personal Loan for a boat builder named Cleora in Coral Gables, Florida to Pay Off Alabama Central Credit Union MasterCard

Cleora had a tonne of credit card debt on their The Bank of Kentucky Visa and their Texas Fish & Game Rewards Visa, and they were starting to get in over their heads. Despite Cleora’s job as a boat builder, they struggled to make payments on the $23,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Cleora’s Overall FICO score at the time of acceptance for a personal loan, taking into account their boat builder job and their future job as a restaurant food coordinator

Fico Score: 310

Paraphrased and Standardized Quote from Cleora for this personal loan of $96000, provided by Banesco USA

Hello, I am Cleora and I am from Coral Gables in Florida. Miami-Dade, county is where I grew up, and now I need a personal loan in Florida for $96000 to buy a big ticket item. It has been difficult, but Banesco USA really came through for me with this loan for 7.1% interest APR and a term of 3 years. I can repay the loan over the 3 year term, including interest. A big thanks to Banesco USA for trusting me and my terrible credit. It look me 6 years to build my credit to 310, and I won’t harm it any future. I am happy with Find Texas Loans for assisting me this far.

Cleora’s Transunion score was altered by the personal loan loan, changing to 298 from 310, which is typical in our experience.

Transunion Score: 298

Many other requests for credit have been made by Cleora in the past, including one from First Century Bank in Coral Gables, Florida before Cleora was accepted for the $96000 by Banesco USA

Cleora made 5 prior attempts to obtain a personal loan, 2 of which were with First Century Bank, a bank in Coral Gables, Florida known to specialize in personal loans specifically. Prior to finding Banesco USA, Cleora was concerned due to their inexperience and terrible credit score.

Installment loan for Cleora, a graduate of Manatee Technical Institute and a boat builder working for over $68,000 per year

Cleora, an alumnus at Manatee Technical Institute and a boat builder in Coral Gables, Florida wants a personal loan to purchase a new cell phone. Cleora has instead decided to get an installment loan for $27,000 and is at present seeking lenders like The Perkins State Bank to provide it.

Conclusion of Cleora’s personal loan

In the end, Cleora was able to find a personal loan for $96000 with an interest rate of 7.5% interest APR from Banesco USA in Coral Gables, Florida repayable over 3 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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