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Direct Loan With Low APR In Bay County, Florida

$66000 Direct Loan – Panama City Florida, Credit Rating Of 822

  • Experian: 832 – This client had an excellent Experian score
  • Transunion: 803 – Adella had an excellent credit score with Transunion.
  • Equifax: Adella’s Experian score was 822, which is an excellent credit rating with the Experian scale.

Several other requests for credit have been made by Adella in the past, including one from F&M Bank-Elkhorn in Panama City, Florida before Adella was approved for the $66000 by Bay Bank & Trust Co.

Adella made 9 previous attempts to obtain a direct loan, 2 of which were with F&M Bank-Elkhorn, a bank in Panama City, Florida known to specialize in direct loans specifically. Prior to finding Bay Bank & Trust Co., Adella was very concerned due to their inexperience and excellent credit score.

Adella’s Transunion score was altered by the direct loan loan, changing to 803 from 822, which is typical in our experience.

Transunion Score: 803

Fast Loans for Adella in Panama City, Florida to prevent bankruptcy or harm from debt collectors.

Fast loans in Panama City, Florida aren’t actually that difficult to obtain, particularly if you have some finesse like Adella. Adella was able to find a fast loan for $66000 from Barnett Bank of Tampa, National Association and Atlantic Bank of Jacksonville, but turned down both offers in favor of their direct loan from Bay Bank & Trust Co.. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big difference if a client is in a pinch.

Adella’s Overall FICO score at the time of acceptance for a direct loan, taking into account their chemical engineer job and their future job as a human factors psychologist

Fico Score: 822

Before applying for this direct loan, Adella had an Experian score of 832, which is excellent, so Bay Bank & Trust Co. probably cannot provide Adella a direct loan

Experian Score: 832

9 Months in the Past, Adella Attempted Finding a High Risk Loan for $46,000.00, and it was Easy

It is an ongoing struggle for borrowers to get high risk loans in a safe manner. Many high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Adella. Adella chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Borrowers with credit ratings as low as 572 can inquire for a high risk loan and have a chance to be approved.

Personal Loan for a chemical engineer named Adella in Panama City, Florida to Pay Off Pancreatic Cancer Action Network Visa Card

Adella had a tonne of credit card debt on their MetaBank AccountNow Prepaid MasterCard and their Frontier Airlines World MasterCard with No Annual Fee, and they were starting to get in over their heads. Despite Adella’s job as a chemical engineer, they struggled to make payments on the $23,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Adella for this direct loan of $66000, provided by Bay Bank & Trust Co.

Hello, I am Adella and I’m from Panama City in Florida. Bay, county is where I grew up, and now I need a direct loan in Florida for $66000 to buy a big ticket item. It wasn’t easy, but Bay Bank & Trust Co. really came through for me with this loan for 6.1% interest APR and a term of 13 years. I can probably repay the loan over the 13 year term, including interest. A big thanks to Bay Bank & Trust Co. for trusting me and my excellent credit. It look me 7 years to create my credit to 822, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Debt Consolidation Can Help Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Normal debt consolidation loans vary from $28,000.00 to $59,000.00. They are normally used to pay off existing high interest loans like credit cards. Adella required a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Adella was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.2%.

Installment loan for Adella, a graduate of Indiana Wesleyan University and a chemical engineer working for over $68,000 per year

Adella, an alumnus at Indiana Wesleyan University and a chemical engineer in Panama City, Florida wants a direct loan to purchase a car. Adella has instead decided to get an installment loan for $11,000 and is at present seeking lenders like The Broadway National Bank of Tampa to provide it.

Adella was rejected by Seacoast National Bank 7 times prior to being approved by Bay Bank & Trust Co. at 509 Harrison Avenue

On April 5, 2011, Adella applied about borrowing $24,000 from Atlantic Bank of Jacksonville with Shakita, their friend from just outside Panama City, and even with the co-signer, Adella was rejected for this direct loan. With excellent credit, it can be difficult to obtain funding, even with collateral and a co-signer.

When Adella was 21, they attempted to obtain a student loan from 5 alternate lenders, which damaged their credit rating. Below is a chronology of Adella’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on September 23, 2013
  • Attempt 2) Loan for $39,000.00 on April 26, 2013
  • Attempt 3) Loan for $24,000.00 on November 10, 2010
  • Attempt 4) Loan for $33,000.00 on September 23, 2009
  • Attempt 5) Loan for $33,000.00 on April 11, 2012

Signature Loan found in Panama City, Florida for $66000 with excellent credit by Adella

A lot of clients struggle with finding signature loans in Panama City, Florida, and Adella is the same. Adella went to 7 lending institutions or more before finding Bay Bank & Trust Co., who offered Adella a signature loan for $66000. Most signature loans simply require a client, like Adella’s signature to obtain them, up to $37,000 in some cases. Adella was able to get $66000 as a direct loan, which is very high for a direct loan. Because signature loans do not require collateral, they tend to need higher credit, as high as 739

Previous requests on Adella’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$53370.00 7 7.3% $813.35 NCNB National Bank of Florida February 3, 2011
$52900.00 5 5.4% $1008.01 Southeast Bank of Madison County, National Association July 12, 2013
$52720.00 9 10.3% $750.82 Southeast Bank of Wildwood December 20, 2014
$53380.00 3 8.1% $1675.2 Atlantic Bank of Jacksonville May 18, 2015
Client Profile: Adella Guss of Panama City, Florida
  • Full name (Changed if requested): Adella Guss
  • Current Credit: loans.hit.utils.Fico@1698c449
  • Current City: Panama City
  • State: Florida
  • Zip code: 32410
  • Yearly income: $43,000
  • Current Job: chemical engineer
  • Current County: Bay
  • Goal Yearly Income: $136,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Adella has a very low current yearly income, but has a high number of prospects

Adella has always wanted to be a human factors psychologist, but would have to attend Indiana Wesleyan University again to become one. Adella has other possibilities as well, including public relations specialist, elementary school administrator, and script editor, which pay $56,000 through to $90,000 per year, on average. For this reason, we believe that Adella can pay for this direct loan of $66000.

Contact Details for Bay Bank & Trust Co., the provider of this direct loan

  • Bay Bank & Trust Co.
  • City: Panama City
  • State: Florida
  • Address: 509 Harrison Avenue
  • County: Bay
  • Zip code: 32401

Conclusion of Adella’s direct loan

In the end, Adella was able to find a direct loan for $66000 with an interest rate of 11.7% interest APR from Bay Bank & Trust Co. in Panama City, Florida repayable over 13 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.