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Auto Loan With Low APR In Hardee County, Florida

$147000 Auto Loan – Wauchula Florida, Credit Score Of 609

  • Experian: 626 – This individual had a good Experian rating
  • Transunion: 594 – Merle had a good credit score with Transunion.
  • Equifax: Merle’s Experian score was 609, which is a good credit score on the Experian scale.

Many past requests for credit have been made by Merle in the past, including one from The Bank of Beaufort in Wauchula, Florida before Merle was accepted for the $147000 by Heartland Federal Savings and Loan Association

Merle made 9 prior attempts to obtain an auto loan, 2 of which were with The Bank of Beaufort, a bank in Wauchula, Florida known to specialize in auto loans specifically. Before finding Heartland Federal Savings and Loan Association, Merle was desperate due to their inexperience and good credit rating.

When Merle was 19, they attempted to obtain a student loan from 4 alternate lenders, which damaged their credit rating. Below is a chronology of Merle’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on April 9, 2011
  • Attempt 2) Loan for $30,000.00 on December 25, 2008
  • Attempt 3) Loan for $22,000.00 on December 23, 2010
  • Attempt 4) Loan for $30,000.00 on August 31, 2009

Merle’s Overall FICO score at the time of acceptance for an auto loan, taking into account their horticultural worker supervisor job and their future job as a technical & scientific publications editor

Fico Score: 609

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $39,000.00 to $44,000.00. They are normally used to pay off existing high interest loans like credit cards. Merle needed a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Merle was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which transfers your dirty, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.3%.

Personal Loan for a horticultural worker supervisor named Merle in Wauchula, Florida to Pay Off Barneys New York Credit Card

Merle had a lot of credit card debt on their TD Easy Rewards Business Visa Credit Card and their AAA Member Rewards Visa Signature Card, and they were starting to get in over their heads. Despite Merle’s job as a horticultural worker supervisor, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Merle was declined by Hialeah-Miami Springs First State Bank 5 times before being granted funding by Heartland Federal Savings and Loan Association at 202 North 6th St

On November 29, 2011, Merle inquired about borrowing $48,000 from Sun Bank of Osceola County with Pamela, their friend from just outside Wauchula, and even with the co-signer, Merle was rejected for this auto loan. With good credit, it can be a challenge to obtain funding, even with collateral and a co-signer.

Installment loan for Merle, a graduate of Becker Professional Development Corporation and a horticultural worker supervisor working for over $69,000 per year

Merle, an alumnus at Becker Professional Development Corporation and a horticultural worker supervisor in Wauchula, Florida needs an auto loan to purchase something frivolous. Merle has instead decided to get an installment loan for $9,000 and is at present seeking lenders like The Florida National Bank at Orlando to process their request.

Paraphrased and Standardized Quote from Merle for this auto loan of $147000, provided by Heartland Federal Savings and Loan Association

Hello, I am Merle and I’m from Wauchula in Florida. Hardee, county is where I grew up, and now I need a auto loan in Florida for $147000 to pay bills. It has been difficult, but Heartland Federal Savings and Loan Association really came through for me with this loan for 6.3% interest APR and a term of 23 years. I can repay the loan over the 23 year term, including interest. A big thanks to Heartland Federal Savings and Loan Association for trusting me and my good credit. It look me 4 years to build my credit to 609, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.

Previous requests on Merle’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$10840.00 11 11.3% $143.81 NCNB National Bank of Florida January 21, 2009
$11130.00 3 7.1% $344.17 Southeast Bank of Madison County, National Association September 23, 2011
$11290.00 3 11.7% $373.37 Southeast Bank of Wildwood March 7, 2013
$11450.00 9 8.6% $152.65 Atlantic Bank of Jacksonville July 26, 2013
$10570.00 10 10.2% $140.86 Century National Bank of Broward May 2, 2014

Signature Loan acquired in Wauchula, Florida for $147000 with good credit by Merle

Many clients have difficulty with obtaining signature loans in Wauchula, Florida, and Merle is the same. Merle went to 5 lenders or more prior to finding Heartland Federal Savings and Loan Association, who offered Merle a signature loan for $147000. Typical signature loans simply need a client, like Merle’s signature to obtain them, up to $28,000 in some cases. Merle was able to get $147000 as a auto loan, which is very high for an auto loan. Because signature loans do not require a cosigner, these loans generally require higher credit, as high as 766

Merle has a sad current gross income, but has a large amount of prospects

Merle has always wanted to be a technical & scientific publications editor, but would have to attend Becker Professional Development Corporation again to achieve it. Merle has other prospects as well, including nuclear equipment operation technician, boat builder, and real estate assessor, which pay $53,000 through to $103,000 per year, at least. For this reason, we think that Merle can afford this auto loan of $147000.

Fast Loans for Merle in Wauchula, Florida to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Wauchula, Florida aren’t actually that difficult to obtain, especially if you have some finesse like Merle. Merle was able to find a fast loan for $147000 from The Broadway National Bank of Tampa and NCNB National Bank of Florida, but declined both offers in favor of their auto loan from Heartland Federal Savings and Loan Association. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement if a borrower is in a time sensitive situation.

Before applying for this auto loan, Merle had an Experian score of 626, which is good, so Heartland Federal Savings and Loan Association probably cannot provide Merle an auto loan

Experian Score: 626

6 Months Ago, Merle Tried to Find a High Risk Loan for $28,000.00, and it was Hard

There is an ongoing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Merle. Merle decided not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Individuals with credit scores as low as 403 can inquire for a high risk loan and possibly can be accepted.

Merle’s Transunion score was changed by the auto loan loan, changing to 594 from 609, which is typical in our experience.

Transunion Score: 594

Client Profile: Merle Kaska of Wauchula, Florida
  • Full name (Changed if requested): Merle Kaska
  • Current Credit: loans.hit.utils.Fico@b1bc7ed
  • Current City: Wauchula
  • State: Florida
  • Zip code: 33881
  • Yearly income: $45,000
  • Current Job: horticultural worker supervisor
  • Current County: Hardee
  • Goal Yearly Income: $80,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Contact Details for Heartland Federal Savings and Loan Association, the provider of this auto loan

  • Heartland Federal Savings and Loan Association
  • City: Wauchula
  • State: Florida
  • Address: 202 North 6th St
  • County: Hardee
  • Zip code: 33873

Conclusion of Merle’s auto loan

In the end, Merle was able to find an auto loan for $147000 with an interest rate of 6.8% interest APR from Heartland Federal Savings and Loan Association in Wauchula, 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.