$152000 Unsecured Loan – West Palm Beach Florida, Credit Score Of 320
- Experian: 331 – This individual had a terrible Experian score
- Transunion: 304 – Cleta had a terrible credit score with Transunion.
- Equifax: Cleta’s Experian score was 320, which is a terrible credit score with the Experian rating scheme.
Previous requests on Cleta’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$132180.00||9||7.6%||$1693.53||NCNB National Bank of Florida||June 4, 2009|
|$131740.00||7||6.5%||$1956.26||Southeast Bank of Madison County, National Association||June 18, 2009|
|$131600.00||10||11.3%||$1835.21||Southeast Bank of Wildwood||May 4, 2011|
|$132240.00||3||5.8%||$4011.02||Atlantic Bank of Jacksonville||February 27, 2014|
|$131740.00||11||7.4%||$1461.65||Century National Bank of Broward||August 12, 2014|
Installment loan for Cleta, a graduate of Aurora University and an advertising agency coordinator working for over $69,000 per year
Cleta, an alumnus at Aurora University and an advertising agency coordinator in West Palm Beach, Florida wants an unsecured loan to purchase something frivolous. Cleta has instead decided to get an installment loan for $3,000 and is currently seeking lenders like Citizens Bank of Marianna to process their request.
9 Months in the Past, Cleta Attempted to Find a High Risk Loan for $49,000.00, and it was Hard
There is an ongoing struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Cleta. Cleta chose not to get a high risk loan this time. High Risk loans are given to very low credit applicants. Borrowers with credit ratings as low as 384 can inquire for a high risk loan and possibly can be accepted.
Cleta has a disappointing current gross income, but has a large amount of prospects
Cleta has always wanted to be a sales representative, but would have to attend Aurora University again to become one. Cleta has other prospects as well, including physician’s office nurse, pharmacy technician, and art director, which pay $54,000 through to $108,000 per year, on average. Because of this, we believe that Cleta can pay for this unsecured loan of $152000.
Personal Loan for an advertising agency coordinator named Cleta in West Palm Beach, Florida to Pay Off RBC Visa Platinum Avion
Cleta had a tonne of credit card debt on their USAA Military Affiliate World MasterCard and their Jeff Bank Visa Business Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Cleta’s job as an advertising agency coordinator, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans vary from $29,000.00 to $58,000.00. They are normally used to pay off existing high interest loans like credit cards. Cleta needed a debt consolidation loan to pay for their existing unsecured loan and their credit card. Cleta was able to find a unsecured loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which transfers your less desirable, catastrophically high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates as low as 2.3%.
Cleta was rejected by Century Bank of Orange County 7 times prior to being granted funding by Fidelity Federal Bank & Trust at 218 Datura Street
On October 10, 2010, Cleta inquired about borrowing $9,000 from Southeast Bank of Madison County, National Association with Del, their friend from just outside West Palm Beach, and even with the co-signer, Cleta was rejected for this unsecured loan. With terrible credit, it can be challenging to obtain funding, even with collateral and a co-signer.
Before applying for this unsecured loan, Cleta had an Experian score of 331, which is terrible, so Fidelity Federal Bank & Trust likely cannot provide Cleta an unsecured loan
Cleta’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their advertising agency coordinator job and their future career as a sales representative
Cleta’s Transunion score was changed by the unsecured loan loan, changing to 304 from 320, which is typical in our experience.
Contact Details for Fidelity Federal Bank & Trust, the provider of this unsecured loan
- Fidelity Federal Bank & Trust
- City: West Palm Beach
- State: Florida
- Address: 218 Datura Street
- County: Palm Beach
- Zip code: 33401
When Cleta was 24, they tried to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a chronology of Cleta’s prior attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on January 15, 2009
- Attempt 2) Loan for $36,000.00 on May 25, 2010
- Attempt 3) Loan for $28,000.00 on February 5, 2011
- Attempt 4) Loan for $22,000.00 on November 6, 2012
- Attempt 5) Loan for $21,000.00 on August 15, 2010
Paraphrased and Standardized Quote from Cleta for this unsecured loan of $152000, provided by Fidelity Federal Bank & Trust
Hi, I am Cleta and I’m from West Palm Beach in Florida. Palm Beach, county is where I grew up, and now I need a unsecured loan in Florida for $152000 to pay bills. It has been difficult, but Fidelity Federal Bank & Trust really came through for me with this loan for 5.6% 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 Fidelity Federal Bank & Trust for giving me a chance and my terrible credit. It look me 9 years to build my credit to 320, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.
Several previous requests for credit have been made by Cleta in the past, including one from Premier Bank Minnesota in West Palm Beach, Florida before Cleta was accepted for the $152000 by Fidelity Federal Bank & Trust
Cleta made 7 previous attempts to obtain an unsecured loan, 2 of which were with Premier Bank Minnesota, a lending institution in West Palm Beach, Florida known to specialize in unsecured loans specifically. Prior to finding Fidelity Federal Bank & Trust, Cleta was concerned due to their inexperience and terrible credit rating.
- Full name (Changed if requested): Cleta Ganz
- Current Credit: loans.hit.utils.Fico@442d9b6e
- Current City: West Palm Beach
- State: Florida
- Zip code: 33409
- Yearly income: $69,000
- Current Job: advertising agency coordinator
- Current County: Palm Beach
- Goal Yearly Income: $102,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $0
Fast Loans for Cleta in West Palm Beach, Florida to prevent bankruptcy or broken legs from debt collectors.
Fast loans in West Palm Beach, Florida aren’t actually that difficult to obtain, particularly if you have some gumption like Cleta. Cleta was able to find a fast loan for $152000 from The First National Bank of Alachua and Southeast Bank of Perry, National Association, but turned down both offers in favor of their unsecured loan from Fidelity Federal Bank & Trust. 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 6 weeks for debt consolidation loans. A big difference if you are in a pinch.
Signature Loan acquired in West Palm Beach, Florida for $152000 with terrible credit by Cleta
Many borrowers have difficulty with finding signature loans in West Palm Beach, Florida, and Cleta is no exception. Cleta went to 8 lending institutions or more prior to settling on Fidelity Federal Bank & Trust, who offered Cleta a signature loan for $152000. Typical signature loans simply require a client, like Cleta’s signature to obtain them, up to $34,000 in some cases. Cleta was able to get $152000 as a unsecured loan, which is very high for an unsecured loan. Because signature loans don’t require collateral, these loans generally need better credit, as high as 734
Conclusion of Cleta’s unsecured loan
In the end, Cleta was able to find an unsecured loan for $152000 with an interest rate of 11.5% interest APR from Fidelity Federal Bank & Trust in West Palm Beach, Florida repayable over 14 years from today.