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$147000 High Risk Loan With Excellent Credit In Daytona Beach Florida

$147000 High Risk Loan – Daytona Beach Florida, Credit Rating Of 770

  • Experian: 782 – They had an excellent Experian score
  • Transunion: 755 – Latoyia had an excellent credit rating with Transunion.
  • Equifax: Latoyia’s Experian score was 770, which is an excellent credit rating using the Experian scale.

Signature Loan found in Daytona Beach, Florida for $147000 with excellent credit by Latoyia

A lot of prospective borrowers have difficulty with finding signature loans in Daytona Beach, Florida, and Latoyia is no exception. Latoyia went to 4 lending institutions or more prior to settling on American Pioneer Federal Savings Bank, who offered Latoyia a signature loan for $147000. Typical signature loans simply require a client, like Latoyia’s signature to obtain them, up to $48,000 in some cases. Latoyia was able to get $147000 as a high risk loan, which is very high for a high risk loan. Since signature loans don’t need a cosigner, they generally require better credit, as high as 732

Latoyia’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their real estate broker job and their future career as a recreational protective service worker

Fico Score: 770

Latoyia’s Transunion score was changed by the high risk loan loan, changing to 755 from 770, which is normal in our experience.

Transunion Score: 755

Installment loan for Latoyia, a graduate of The University of Alabama and a real estate broker working for over $64,000 per year

Latoyia, an alumnus at The University of Alabama and a real estate broker in Daytona Beach, Florida needs a high risk loan to purchase a new cell phone. Latoyia has instead decided to get an installment loan for $13,000 and is currently seeking lenders like Southeast Bank of Perry, National Association to process their request.

Before applying for this high risk loan, Latoyia had an Experian score of 782, which is excellent, so American Pioneer Federal Savings Bank likely cannot provide Latoyia a high risk loan

Experian Score: 782

Contact Details for American Pioneer Federal Savings Bank, the provider of this high risk loan

  • American Pioneer Federal Savings Bank
  • City: Daytona Beach
  • State: Florida
  • Address: 230 North Beach Street
  • County: Volusia
  • Zip code: 32014

Latoyia was declined by Hialeah-Miami Springs First State Bank 6 times prior to being granted funding by American Pioneer Federal Savings Bank at 230 North Beach Street

On October 30, 2011, Latoyia applied about borrowing $30,000 from SunTrust Bank, Northwest, Florida with Jacquelin, their in law from just outside Daytona Beach, and even with the co-signer, Latoyia was rejected for this high risk loan. With excellent credit, it can be a challenge to procure funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Latoyia for this high risk loan of $147000, provided by American Pioneer Federal Savings Bank

Hello, I am Latoyia and I’m from Daytona Beach in Florida. Volusia, county is where I grew up, and now I need a high risk loan in Florida for $147000 to avoid bankruptcy. It has been difficult, but American Pioneer Federal Savings Bank really came through for me with this loan for 10.3% interest APR and a term of 17 years. I can repay the loan over the 17 year term, including interest. A big thanks to American Pioneer Federal Savings Bank for trusting me and my excellent credit. It look me 8 years to create my credit to 770, and I won’t harm it any future. I’m happy with Find Texas Loans for helping me this far.

Multiple previous requests for credit have been made by Latoyia in the past, including one from Prime Bank in Daytona Beach, Florida before Latoyia was approved for the $147000 by American Pioneer Federal Savings Bank

Latoyia made 8 previous attempts to obtain a high risk loan, 2 of which were with Prime Bank, a lending institution in Daytona Beach, Florida known to specialize in high risk loans specifically. Prior to finding American Pioneer Federal Savings Bank, Latoyia was desperate due to their inexperience and excellent credit rating.

Personal Loan for a real estate broker named Latoyia in Daytona Beach, Florida to Pay Off ABC Warehouse Credit Card

Latoyia had a tonne of credit card debt on their Target Visa RedCard and their ESL Visa Credit Card, and they were starting to get in over their heads. Despite Latoyia’s job as a real estate broker, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Latoyia has a low current total income, but has a high number of prospects

Latoyia has always wanted to be a recreational protective service worker, but would have to attend The University of Alabama again to become one. Latoyia has other prospects as well, including child support investigator, english language and literature professor, and restaurant manager, which pay $55,000 through to $107,000 per year, on average. For this reason, we believe that Latoyia can pay for this high risk loan of $147000.

6 Months in the Past, Latoyia Attempted to Find a High Risk Loan for $34,000.00, but They Didn’t Find What They were Expecting

It is an existing struggle for clients to find 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 scary to borrowers like Latoyia. Latoyia chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Individuals with credit scores as low as 448 can apply for a high risk loan and possibly can be accepted.

Previous requests on Latoyia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$62520.00 9 8.7% $836.79 NCNB National Bank of Florida March 11, 2013
$63470.00 6 9.1% $1147.23 Southeast Bank of Madison County, National Association August 25, 2014
$63360.00 5 11.4% $1390.27 Southeast Bank of Wildwood September 15, 2014
$63340.00 10 9.4% $816.14 Atlantic Bank of Jacksonville May 12, 2015
$63460.00 8 5.8% $827.79 Century National Bank of Broward July 3, 2015
Client Profile: Latoyia Peredz of Daytona Beach, Florida
  • Full name (Changed if requested): Latoyia Peredz
  • Current Credit: loans.hit.utils.Fico@238e0d81
  • Current City: Daytona Beach
  • State: Florida
  • Zip code: 32021
  • Yearly income: $59,000
  • Current Job: real estate broker
  • Current County: Volusia
  • Goal Yearly Income: $105,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

When Latoyia was 23, they attempted to obtain a student loan from 6 alternate lenders, which damaged their credit score. Below is a list of Latoyia’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on February 24, 2009
  • Attempt 2) Loan for $34,000.00 on December 17, 2011
  • Attempt 3) Loan for $39,000.00 on September 13, 2010
  • Attempt 4) Loan for $33,000.00 on April 5, 2012
  • Attempt 5) Loan for $28,000.00 on August 17, 2009
  • Attempt 6) Loan for $31,000.00 on July 12, 2009

Fast Loans for Latoyia in Daytona Beach, Florida to prevent bankruptcy or harm from debt collectors.

Fast loans in Daytona Beach, Florida aren’t actually that difficult to obtain, especially if you have some gumption like Latoyia. Latoyia was able to find a fast loan for $147000 from Southern Exchange Bank and Sun Bank/Palm Beach County, National Association, but declined both offers in favor of their high risk loan from American Pioneer Federal Savings Bank. 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 personal loans. An improvement if a borrower is on the go.

Debt Consolidation Will Assist Any Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $31,000.00 to $53,000.00. They are normally used to pay off existing high interest loans like credit cards. Latoyia required a debt consolidation loan to pay for their existing high risk loan and their credit card. Latoyia was able to find a high risk loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.1%.

Conclusion of Latoyia’s high risk loan

In the end, Latoyia was able to find a high risk loan for $147000 with an interest rate of 7.7% interest APR from American Pioneer Federal Savings Bank in Daytona Beach, Florida repayable over 17 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.