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Ninfa Had Need For An Auto Loan For $90000, Folkston, Georgia

$90000 Auto Loan – Folkston Georgia, Credit Score Of 698

  • Experian: 711 – They had a good Experian rating
  • Transunion: 679 – Ninfa had a good credit rating with Transunion.
  • Equifax: Ninfa’s Experian score was 698, which is a good credit rating on the Experian system.

Paraphrased and Standardized Quote from Ninfa for this auto loan of $90000, provided by First National Bank of Folkston

Hello, I am Ninfa and I’m from Folkston in Georgia. Charlton, county is where I grew up, and now I need a auto loan in Georgia for $90000 to renovate my home. It has been difficult, but First National Bank of Folkston really came through for me with this loan for 11.3% interest APR and a term of 17 years. I will repay the loan over the 17 year term, including interest. A big thanks to First National Bank of Folkston for giving me a chance and my good credit. It look me 4 years to build my credit to 698, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

Ninfa has a low current gross income, but has several of prospects

Ninfa has always wanted to be a job printer, but would have to attend Strayer University again to become one. Ninfa has other possibilities as well, including nuclear medicine technologist, home appliance installer, and stress analyst engineer, which pay $54,000 through to $91,000 per year, at least. Because of this, we believe that Ninfa can pay for this auto loan of $90000.

Previous requests on Ninfa’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$73440.00 6 9.8% $1353.14 NationsBank of Florida, National Association March 31, 2014
$73430.00 3 7.4% $2280.76 Century Bank and Trust September 27, 2014
$73300.00 8 11.6% $1175.28 Bank of Madison December 12, 2014
$72570.00 4 8.2% $1778.47 Bank of Hazlehurst December 17, 2014
$73150.00 8 5.3% $936.56 The Citizens and Southern Bank of Dublin June 2, 2015

Many previous requests for credit have been made by Ninfa in the past, including one from Hays County National Bank in Folkston, Georgia before Ninfa was accepted for the $90000 by First National Bank of Folkston

Ninfa made 7 previous tries to obtain an auto loan, 2 of which were with Hays County National Bank, a bank in Folkston, Georgia known to specialize in auto loans specifically. Before finding First National Bank of Folkston, Ninfa was desperate due to their inexperience and good credit score.

6 Months Ago, Ninfa Tried to Find a High Risk Loan for $24,000.00, and it was Easy

It is an well known struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Ninfa. Ninfa decided not to get a high risk loan this time. High Risk loans are given to terrible credit applicants. Borrowers with credit ratings as low as 571 can apply for a high risk loan and have a chance to be approved.

Fast Loans for Ninfa in Folkston, Georgia to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Folkston, Georgia aren’t actually that difficult to obtain, particularly if you have some gumption like Ninfa. Ninfa was able to find a fast loan for $90000 from The Citizens Bank and Bank of Alapaha, but declined both offers in favor of their auto loan from First National Bank of Folkston. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for personal loans. A big difference in the case that a client is in a time sensitive situation.

Before applying for this auto loan, Ninfa had an Experian score of 711, which is good, so First National Bank of Folkston most likely cannot provide Ninfa an auto loan

Experian Score: 711

Client Profile: Ninfa Dunemn of Folkston, Georgia
  • Full name (Changed if requested): Ninfa Dunemn
  • Current Credit: loans.hit.utils.Fico@4c98385c
  • Current City: Folkston
  • State: Georgia
  • Zip code: 31543
  • Yearly income: $58,000
  • Current Job: package designer
  • Current County: Charlton
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $2000

Ninfa’s Transunion score was altered by the auto loan loan, changing to 679 from 698, which is typical in our experience.

Transunion Score: 679

Ninfa was rejected by Bank of Alapaha 6 times before being granted funding by First National Bank of Folkston at 802 South Second Street

On February 3, 2011, Ninfa applied about borrowing $36,000 from Peoples Bank of Bartow County with Gabrielle, their in law from just outside Folkston, and even with the co-signer, Ninfa was rejected for this auto loan. With good credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Debt Consolidation Can Help Most Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Average debt consolidation loans range from $35,000.00 to $42,000.00. They are typically used to pay off existing high interest loans like credit cards. Ninfa required a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Ninfa was able to find a auto loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which converts your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.4%.

Contact Details for First National Bank of Folkston, the provider of this auto loan

  • First National Bank of Folkston
  • City: Folkston
  • State: Georgia
  • Address: 802 South Second Street
  • County: Charlton
  • Zip code: 31537

Signature Loan acquired in Folkston, Georgia for $90000 with good credit by Ninfa

Most clients have difficulty with obtaining signature loans in Folkston, Georgia, and Ninfa is the same. Ninfa went to 7 lenders or more before settling on First National Bank of Folkston, who offered Ninfa a signature loan for $90000. Most signature loans simply need a client, like Ninfa’s signature to get them, up to $44,000 in some cases. Ninfa was able to get $90000 as a auto loan, which is very high for an auto loan. Because signature loans do not need collateral, these loans tend to require improved credit, as high as 769

Personal Loan for a package designer named Ninfa in Folkston, Georgia to Pay Off BankAmericard Basic Visa Card

Ninfa had a lot of credit card debt on their The Bank Visa Platinum Card and their TD Easy Rewards Visa Credit Card, and they were starting to get in over their heads. Despite Ninfa’s job as a package designer, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Ninfa’s Overall FICO score at the time of acceptance for an auto loan, taking into account their package designer job and their future job as a job printer

Fico Score: 698

When Ninfa was 21, they attempted to obtain a student loan from 6 alternate banks, which damaged their credit rating. Below is a chronology of Ninfa’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on April 12, 2010
  • Attempt 2) Loan for $27,000.00 on April 29, 2010
  • Attempt 3) Loan for $34,000.00 on March 25, 2009
  • Attempt 4) Loan for $38,000.00 on March 23, 2009
  • Attempt 5) Loan for $36,000.00 on March 13, 2010
  • Attempt 6) Loan for $25,000.00 on November 16, 2009

Installment loan for Ninfa, a graduate of Strayer University and a package designer working for over $66,000 per year

Ninfa, an alumnus at Strayer University and a package designer in Folkston, Georgia wants an auto loan to purchase a car. Ninfa has instead chosen to get an installment loan for $12,000 and is currently seeking lenders like Bank of Morgan County to process their request.

Conclusion of Ninfa’s auto loan

In the end, Ninfa was able to find an auto loan for $90000 with an interest rate of 6.4% interest APR from First National Bank of Folkston in Folkston, Georgia 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.