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16 Month, Variable Interest Debt Consolidation Loan For Krystyna In Florida

$12000 Debt Consolidation Loan – Miami Florida, Credit Rating Of 414

  • Experian: 432 – The client had a bad Experian rating
  • Transunion: 396 – Krystyna had a bad credit rating with Transunion.
  • Equifax: Krystyna’s Experian score was 414, which is a bad credit rating on the Experian system.

Paraphrased and Standardized Quote from Krystyna for this debt consolidation loan of $12000, provided by Atico Savings Bank

Hi, I am Krystyna and I am from Miami in Florida. Miami-Dade, county is where I grew up, and now I need a debt consolidation loan in Florida for $12000 to avoid bankruptcy. It wasn’t easy, but Atico Savings Bank really came through for me with this loan for 5.8% interest APR and a term of 16 years. I will repay the loan over the 16 year term, including interest. A big thanks to Atico Savings Bank for giving me a chance and my bad credit. It look me 8 years to create my credit to 414, and I won’t tarnish it any future. I am pleased with Find Texas Loans for helping me this far.

Signature Loan found in Miami, Florida for $12000 with bad credit by Krystyna

Many prospective borrowers struggle with finding signature loans in Miami, Florida, and Krystyna is the same. Krystyna went to 6 lending institutions or more prior to settling on Atico Savings Bank, who offered Krystyna a signature loan for $12000. Most signature loans simply need a client, like Krystyna’s signature to obtain them, up to $30,000 in some cases. Krystyna was able to get $12000 as a debt consolidation loan, which is very high for a debt consolidation loan. Since signature loans do not need collateral, they generally require improved credit, as high as 788

Krystyna’s Transunion score was altered by the debt consolidation loan loan, changing to 396 from 414, which is normal in our experience.

Transunion Score: 396

Contact Details for Atico Savings Bank, the provider of this debt consolidation loan

  • Atico Savings Bank
  • City: Miami
  • State: Florida
  • Address: 101 S E Second Avenue
  • County: Miami-Dade
  • Zip code: 33131

6 Months Ago, Krystyna Attempted to Find a High Risk Loan for $29,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a safe manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Krystyna. Krystyna chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit borrowers. Individuals with credit ratings as low as 568 can apply for a high risk loan and possibly can be accepted.

Fast Loans for Krystyna in Miami, Florida to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Miami, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Krystyna. Krystyna was able to find a fast loan for $12000 from SunTrust Bank, Northwest, Florida and Sun Bank of Osceola County, but declined both offers in favor of their debt consolidation loan from Atico Savings Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. An improvement if you are in a pinch.

Before applying for this debt consolidation loan, Krystyna had an Experian score of 432, which is bad, so Atico Savings Bank probably cannot provide Krystyna a debt consolidation loan

Experian Score: 432

Installment loan for Krystyna, a graduate of Viterbo University and an insurance claims adjuster working for over $71,000 per year

Krystyna, an alumnus at Viterbo University and an insurance claims adjuster in Miami, Florida needs a debt consolidation loan to purchase something frivolous. Krystyna has instead decided to get an installment loan for $19,000 and is at present seeking lenders like Century National Bank of Broward to process their request.

Krystyna’s Overall FICO score at the time of acceptance for a debt consolidation loan, taking into account their insurance claims adjuster job and their future job as a fashion artist

Fico Score: 414

When Krystyna was 23, they attempted to obtain a student loan from 4 different banks, which harmed their credit rating. Below is a list of Krystyna’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $23,000.00 on May 18, 2011
  • Attempt 2) Loan for $27,000.00 on April 8, 2013
  • Attempt 3) Loan for $35,000.00 on April 17, 2011
  • Attempt 4) Loan for $36,000.00 on March 20, 2010

Krystyna was rejected by Barnett Bank of West Florida 6 times prior to being approved by Atico Savings Bank at 101 S E Second Avenue

On June 21, 2011, Krystyna applied about borrowing $20,000 from Southern Exchange Bank with Winford, their friend from just outside Miami, and even with the co-signer, Krystyna was rejected for this debt consolidation loan. With bad credit, it can be challenging to procure funding, even with collateral and a co-signer.

Personal Loan for an insurance claims adjuster named Krystyna in Miami, Florida to Pay Off Lane Home Furnishings Credit Card

Krystyna had a lot of credit card debt on their David’s Bridal Credit Card and their NBT Bank Visa Signature Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Krystyna’s job as an insurance claims adjuster, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Krystyna has a low current yearly income, but has a large amount of prospects

Krystyna has always wanted to be a fashion artist, but would have to attend Viterbo University again to achieve it. Krystyna has other prospects as well, including subway and streetcar conductor, atm machine servicer, and nuclear medicine technologist, which pay $53,000 through to $100,000 per year, on average. For this reason, we believe that Krystyna can pay for this debt consolidation loan of $12000.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Most debt consolidation loans vary from $28,000.00 to $57,000.00. They are normally used to pay off existing high interest loans like credit cards. Krystyna needed a debt consolidation loan to pay for their existing debt consolidation loan and their loan shark loan. Krystyna was able to find a debt consolidation loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your bad, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 3.8%.

Client Profile: Krystyna Monro of Miami, Florida
  • Full name (Changed if requested): Krystyna Monro
  • Current Credit: loans.hit.utils.Fico@707f7052
  • Current City: Miami
  • State: Florida
  • Zip code: 33139
  • Yearly income: $45,000
  • Current Job: insurance claims adjuster
  • Current County: Miami-Dade
  • Goal Yearly Income: $148,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Previous requests on Krystyna’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$33660.00 9 10.7% $486.74 NCNB National Bank of Florida March 1, 2010
$34380.00 8 6.7% $463.61 Southeast Bank of Madison County, National Association May 7, 2013
$34190.00 7 6.3% $504.4 Southeast Bank of Wildwood December 1, 2013
$33780.00 3 9.1% $1075.77 Atlantic Bank of Jacksonville October 6, 2014
$34270.00 5 11.4% $751.97 Century National Bank of Broward February 19, 2015

Several previous requests for credit have been made by Krystyna in the past, including one from Texas Bank Financial in Miami, Florida before Krystyna was accepted for the $12000 by Atico Savings Bank

Krystyna made 7 previous attempts to obtain a debt consolidation loan, 2 of which were with Texas Bank Financial, a lender in Miami, Florida known to specialize in debt consolidation loans specifically. Prior to finding Atico Savings Bank, Krystyna was concerned due to their inexperience and bad credit rating.

Conclusion of Krystyna’s debt consolidation loan

In the end, Krystyna was able to find a debt consolidation loan for $12000 with an interest rate of 9.3% interest APR from Atico Savings Bank in Miami, Florida repayable over 16 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.