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Unsecured Loan With Very Low APR In Pinellas County, Florida

$188000 Unsecured Loan – Clearwater Florida, Credit Rating Of 518

  • Experian: 535 – This individual had a fair Experian score
  • Transunion: 500 – Yajaira had a fair credit rating with Transunion.
  • Equifax: Yajaira’s Experian score was 518, which is a fair credit score with the Experian rating scheme.

Personal Loan for an emergency management specialist named Yajaira in Clearwater, Florida to Pay Off Target Visa RedCard

Yajaira had a lot of credit card debt on their Washington Nationals BankAmericard Cash Rewards MasterCard and their BB&T Spectrum Rewards Card, and they were starting to get in over their heads. Despite Yajaira’s job as an emergency management specialist, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

When Yajaira was 22, they tried to obtain a student loan from 6 alternate banks, which harmed their credit score. Below is a list of Yajaira’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on March 29, 2009
  • Attempt 2) Loan for $39,000.00 on July 31, 2012
  • Attempt 3) Loan for $33,000.00 on December 15, 2011
  • Attempt 4) Loan for $36,000.00 on September 27, 2011
  • Attempt 5) Loan for $33,000.00 on May 6, 2011
  • Attempt 6) Loan for $20,000.00 on December 13, 2013

Yajaira’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their emergency management specialist job and their future job as a switchboard operator

Fico Score: 518

Before applying for this unsecured loan, Yajaira had an Experian score of 535, which is fair, so Citizens Bank & Trust probably cannot provide Yajaira an unsecured loan

Experian Score: 535

Yajaira’s Transunion score was changed by the unsecured loan loan, changing to 500 from 518, which is normal in our experience.

Transunion Score: 500

Previous requests on Yajaira’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$68180.00 3 11.4% $2245.06 NCNB National Bank of Florida December 20, 2012
$68470.00 10 11.5% $962.66 Southeast Bank of Madison County, National Association November 29, 2014
$67900.00 6 11.7% $1316.89 Southeast Bank of Wildwood July 16, 2015
$67580.00 5 7.6% $1357.38 Atlantic Bank of Jacksonville August 20, 2015
$68140.00 7 10.5% $1148.89 Century National Bank of Broward September 2, 2015

Contact Details for Citizens Bank & Trust, the provider of this unsecured loan

  • Citizens Bank & Trust
  • City: Clearwater
  • State: Florida
  • Address: 1150 Cleveland Street
  • County: Pinellas
  • Zip code: 34615

Signature Loan acquired in Clearwater, Florida for $188000 with fair credit by Yajaira

Many clients struggle with obtaining signature loans in Clearwater, Florida, and Yajaira is no exception. Yajaira went to 6 lenders or more before settling on Citizens Bank & Trust, who offered Yajaira a signature loan for $188000. Typical signature loans simply need a client, like Yajaira’s signature to get them, up to $32,000 in some cases. Yajaira was able to get $188000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t require collateral, these loans tend to need improved credit, as high as 705

Paraphrased and Standardized Quote from Yajaira for this unsecured loan of $188000, provided by Citizens Bank & Trust

Hello, I am Yajaira and my hometown is Clearwater in Florida. Pinellas, county is where I grew up, and now I need a unsecured loan in Florida for $188000 to buy a big ticket item. It wasn’t easy, but Citizens Bank & Trust really came through for me with this loan for 11.2% interest APR and a term of 22 years. I can probably repay the loan over the 22 year term, including interest. A big thanks to Citizens Bank & Trust for giving me a chance and my fair credit. It look me 6 years to build my credit to 518, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Client Profile: Yajaira Corak of Clearwater, Florida
  • Full name (Changed if requested): Yajaira Corak
  • Current Credit: loans.hit.utils.Fico@504bae78
  • Current City: Clearwater
  • State: Florida
  • Zip code: 34623
  • Yearly income: $51,000
  • Current Job: emergency management specialist
  • Current County: Pinellas
  • Goal Yearly Income: $132,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

7 Months in the Past, Yajaira Attempted Finding a High Risk Loan for $34,000.00, and it was Easy

There is an well known struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Yajaira. Yajaira chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Clients with credit ratings as low as 400 can apply for a high risk loan and may be be accepted.

Fast Loans for Yajaira in Clearwater, Florida to prevent bankruptcy or harm from debt collectors.

Fast loans in Clearwater, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Yajaira. Yajaira was able to find a fast loan for $188000 from Southeast Bank of Perry, National Association and SunTrust Bank, Northwest, Florida, but turned down both offers in favor of their unsecured loan from Citizens Bank & Trust. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference if a client is in a pinch.

Yajaira has a very low current gross income, but has several of prospects

Yajaira has always wanted to be a switchboard operator, but would need attend Iona College again to achieve it. Yajaira has other prospects as well, including credit adjuster, court reporter, and correction officer, which pay $59,000 through to $97,000 per year, on average. For this reason, we think that Yajaira can pay for this unsecured loan of $188000.

Yajaira was declined by Century Bank of Orange County 5 times before being granted funding by Citizens Bank & Trust at 1150 Cleveland Street

On July 31, 2009, Yajaira inquired about borrowing $9,000 from Caribank with Arianne, their friend from just outside Clearwater, and even with the co-signer, Yajaira was rejected for this unsecured loan. With fair credit, it can be very hard to procure financing, even with collateral and a co-signer.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans vary from $34,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Yajaira required a debt consolidation loan to pay for their existing unsecured loan and their credit card. Yajaira was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.6%.

Installment loan for Yajaira, a graduate of Iona College and an emergency management specialist working for over $70,000 per year

Yajaira, an alumnus at Iona College and an emergency management specialist in Clearwater, Florida wants an unsecured loan to purchase a car. Yajaira has instead decided to get an installment loan for $19,000 and is at present seeking lenders like Barnett Bank of Tampa, National Association to process their request.

Multiple past requests for credit have been made by Yajaira in the past, including one from Huntington Bank Parkersburg, Inc. in Clearwater, Florida before Yajaira was approved for the $188000 by Citizens Bank & Trust

Yajaira made 5 previous attempts to obtain an unsecured loan, 2 of which were with Huntington Bank Parkersburg, Inc., a bank in Clearwater, Florida known to specialize in unsecured loans specifically. Prior to finding Citizens Bank & Trust, Yajaira was desperate due to their inexperience and fair credit rating.

Conclusion of Yajaira’s unsecured loan

In the end, Yajaira was able to find an unsecured loan for $188000 with an interest rate of 8.3% interest APR from Citizens Bank & Trust in Clearwater, Florida repayable over 22 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.