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10 Year, Variable Interest Direct Loan For Kyong In Florida

$40000 Direct Loan – Saint Augustine Florida, Credit Rating Of 347

  • Experian: 357 – This individual had a terrible Experian score
  • Transunion: 332 – Kyong had a terrible credit score with Transunion.
  • Equifax: Kyong’s Experian score was 347, which is a terrible credit rating using the Experian rating scheme.

Many past requests for credit have been made by Kyong in the past, including one from The Bank of McLouth in Saint Augustine, Florida before Kyong was approved for the $40000 by Barnett Bank of the St. Johns

Kyong made 7 previous tries to obtain a direct loan, 2 of which were with The Bank of McLouth, a lender in Saint Augustine, Florida known to specialize in direct loans specifically. Before finding Barnett Bank of the St. Johns, Kyong was very concerned due to their inexperience and terrible credit rating.

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

Most debt consolidation loans range from $23,000.00 to $46,000.00. They are typically used to pay off existing high interest loans like credit cards. Kyong required a debt consolidation loan to pay for their existing direct loan and their payday loan. Kyong was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your less desirable, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 3.5%.

Before applying for this direct loan, Kyong had an Experian score of 357, which is terrible, so Barnett Bank of the St. Johns likely cannot provide Kyong a direct loan

Experian Score: 357

Paraphrased and Standardized Quote from Kyong for this direct loan of $40000, provided by Barnett Bank of the St. Johns

Hi, I am Kyong and my hometown is Saint Augustine in Florida. St. Johns, county is where I grew up, and now I need a direct loan in Florida for $40000 to buy a car. It has been difficult, but Barnett Bank of the St. Johns really came through for me with this loan for 8.7% interest APR and a term of 10 years. I can probably repay the loan over the 10 year term, including interest. A big thanks to Barnett Bank of the St. Johns for trusting me and my terrible credit. It look me 9 years to create my credit to 347, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

Signature Loan acquired in Saint Augustine, Florida for $40000 with terrible credit by Kyong

Many prospective borrowers struggle with finding signature loans in Saint Augustine, Florida, and Kyong is the same. Kyong went to 5 lenders or more before settling on Barnett Bank of the St. Johns, who offered Kyong a signature loan for $40000. Typical signature loans simply need a client, like Kyong’s signature to obtain them, up to $48,000 in some cases. Kyong was able to get $40000 as a direct loan, which is very high for a direct loan. Because signature loans do not need collateral, these loans generally need higher credit, as high as 724

Kyong’s Transunion score was changed by the direct loan loan, changing to 332 from 347, which is normal in our experience.

Transunion Score: 332

Kyong’s Overall FICO score at the time of acceptance for a direct loan, taking into account their electronics technician job and their future career as a subway and streetcar conductor

Fico Score: 347

Client Profile: Kyong Dahman of Saint Augustine, Florida
  • Full name (Changed if requested): Kyong Dahman
  • Current Credit: loans.hit.utils.Fico@64b8f8f4
  • Current City: Saint Augustine
  • State: Florida
  • Zip code: 32086
  • Yearly income: $66,000
  • Current Job: electronics technician
  • Current County: St. Johns
  • Goal Yearly Income: $125,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

When Kyong was 21, they attempted to obtain a student loan from 5 different lenders, which harmed their credit rating. Below is a chronology of Kyong’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on August 29, 2013
  • Attempt 2) Loan for $20,000.00 on February 2, 2013
  • Attempt 3) Loan for $24,000.00 on May 26, 2013
  • Attempt 4) Loan for $26,000.00 on December 31, 2013
  • Attempt 5) Loan for $21,000.00 on April 3, 2009

Kyong was declined by Southeast Bank of Madison County, National Association 4 times prior to being granted funding by Barnett Bank of the St. Johns at 60 Cathedral Place

On July 8, 2010, Kyong applied about borrowing $35,000 from Southeast Bank of Madison County, National Association with Sherlene, their in law from just outside Saint Augustine, and even with the co-signer, Kyong was rejected for this direct loan. With terrible credit, it can be challenging to procure funding, even with collateral and a co-signer.

Installment loan for Kyong, a graduate of New England Institute of Technology and an electronics technician working for over $61,000 per year

Kyong, an alumnus at New England Institute of Technology and an electronics technician in Saint Augustine, Florida needs a direct loan to purchase a car. Kyong has instead chosen to get an installment loan for $21,000 and is at present seeking lenders like The Florida National Bank at Orlando to provide it.

Contact Details for Barnett Bank of the St. Johns, the provider of this direct loan

  • Barnett Bank of the St. Johns
  • City: Saint Augustine
  • State: Florida
  • Address: 60 Cathedral Place
  • County: St. Johns
  • Zip code: 32084

Fast Loans for Kyong in Saint Augustine, Florida to prevent bankruptcy or harm from debt collectors.

Fast loans in Saint Augustine, Florida aren’t actually that difficult to obtain, particularly if you have some gumption like Kyong. Kyong was able to find a fast loan for $40000 from The Broadway National Bank of Tampa and First Bank of Crestview, but declined both offers in favor of their direct loan from Barnett Bank of the St. Johns. The improvement with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better in the case that you are on the go.

Previous requests on Kyong’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$106340.00 6 7.7% $1848.95 NCNB National Bank of Florida February 2, 2010
$105550.00 10 10.1% $1400.7 Southeast Bank of Madison County, National Association August 27, 2011
$106160.00 3 8.8% $3365.99 Southeast Bank of Wildwood June 26, 2012
$105580.00 5 5.3% $2006.97 Atlantic Bank of Jacksonville June 4, 2014
$106420.00 6 7.4% $1834.86 Century National Bank of Broward June 11, 2015

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

Kyong has always wanted to be a subway and streetcar conductor, but would have to attend New England Institute of Technology again to achieve it. Kyong has other possibilities as well, including fraud investigator, education professor, and dietetic technician, which pay $58,000 through to $92,000 per year, at least. Because of this, we believe that Kyong can afford this direct loan of $40000.

Personal Loan for an electronics technician named Kyong in Saint Augustine, Florida to Pay Off Kansas City Royals BankAmericard Cash Rewards MasterCard

Kyong had a tonne of credit card debt on their BB&T Bright Card and their UNFCU Elite Credit Card, and they were starting to get in over their heads. Despite Kyong’s job as an electronics technician, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

8 Months Ago, Kyong Attempted to Find a High Risk Loan for $34,000.00, and it was Easy

It is an ongoing struggle for clients to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Kyong. Kyong 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 scores as low as 363 can inquire for a high risk loan and may be be accepted.

Conclusion of Kyong’s direct loan

In the end, Kyong was able to find a direct loan for $40000 with an interest rate of 5.4% interest APR from Barnett Bank of the St. Johns in Saint Augustine, Florida repayable over 10 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.