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Personal Loan For $88000 Near 33618, Florida With A Credit Score Of 696

$88000 Personal Loan – Tampa Florida, Credit Rating Of 696

  • Experian: 712 – The client had a good Experian score
  • Transunion: 679 – Sophie had a good credit score with Transunion.
  • Equifax: Sophie’s Experian score was 696, which is a good credit score using the Experian system.

7 Months Ago, Sophie Attempted to Find a High Risk Loan for $41,000.00, and it was Easy

There is an well known struggle for borrowers to get high risk loans in a non-harmful way. a lot of high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Sophie. Sophie decided 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 577 can apply for a high risk loan and have a chance to be accepted.

When Sophie was 22, they tried to obtain a student loan from 5 different banks, which damaged their credit score. Below is a list of Sophie’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $28,000.00 on September 15, 2009
  • Attempt 2) Loan for $27,000.00 on August 29, 2012
  • Attempt 3) Loan for $32,000.00 on October 8, 2013
  • Attempt 4) Loan for $37,000.00 on September 6, 2009
  • Attempt 5) Loan for $37,000.00 on February 6, 2010
Client Profile: Sophie Plaster of Tampa, Florida
  • Full name (Changed if requested): Sophie Plaster
  • Current Credit: loans.hit.utils.Fico@6267c3bb
  • Current City: Tampa
  • State: Florida
  • Zip code: 33627
  • Yearly income: $60,000
  • Current Job: agricultural inspector
  • Current County: Hillsborough
  • Goal Yearly Income: $131,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

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

Normal debt consolidation loans vary from $35,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Sophie needed a debt consolidation loan to pay for their existing personal loan and their credit card. Sophie was able to find a personal loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your bad, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.3%.

Sophie has a disappointing current total income, but has a high number of prospects

Sophie has always wanted to be an aeronautical & aerospace engineer, but would need attend Eastern Arizona College again to achieve it. Sophie has other possibilities as well, including air traffic controller, compliance officer, and logging tractor operator, which pay $54,000 through to $109,000 per year, on average. For this reason, we think that Sophie can pay for this personal loan of $88000.

Sophie’s Transunion score was altered by the personal loan loan, changing to 679 from 696, which is typical in our experience.

Transunion Score: 679

Previous requests on Sophie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$132510.00 10 5.5% $1438.08 NCNB National Bank of Florida January 24, 2013
$133240.00 3 5.3% $4011.29 Southeast Bank of Madison County, National Association February 6, 2013
$133400.00 9 5.3% $1555.78 Southeast Bank of Wildwood August 24, 2013
$133260.00 4 5.2% $3080.97 Atlantic Bank of Jacksonville October 19, 2014
$132640.00 4 5.3% $3072.66 Century National Bank of Broward June 22, 2015

Contact Details for First Citrus Bank, the provider of this personal loan

  • First Citrus Bank
  • City: Tampa
  • State: Florida
  • Address: 10824 N. Dale Mabry Highway
  • County: Hillsborough
  • Zip code: 33618

Paraphrased and Standardized Quote from Sophie for this personal loan of $88000, provided by First Citrus Bank

Hello, I am Sophie and I’m from Tampa in Florida. Hillsborough, county is where I grew up, and now I need a personal loan in Florida for $88000 to buy a big ticket item. It has been difficult, but First Citrus Bank really came through for me with this loan for 6.8% interest APR and a term of 4 years. I can repay the loan over the 4 year term, including interest. A big thanks to First Citrus Bank for trusting me and my good credit. It look me 9 years to build my credit to 696, and I won’t harm it any future. I am pleased with Find Texas Loans for helping me this far.

Many previous requests for credit have been made by Sophie in the past, including one from The Olla State Bank in Tampa, Florida before Sophie was approved for the $88000 by First Citrus Bank

Sophie made 8 prior attempts to obtain a personal loan, 2 of which were with The Olla State Bank, a lender in Tampa, Florida known to specialize in personal loans specifically. Prior to finding First Citrus Bank, Sophie was desperate due to their inexperience and good credit score.

Before applying for this personal loan, Sophie had an Experian score of 712, which is good, so First Citrus Bank most likely cannot provide Sophie a personal loan

Experian Score: 712

Installment loan for Sophie, a graduate of Eastern Arizona College and an agricultural inspector working for over $74,000 per year

Sophie, an alumnus at Eastern Arizona College and an agricultural inspector in Tampa, Florida wants a personal loan to purchase a car. Sophie has instead decided to obtain an installment loan for $5,000 and is currently seeking lenders like The Huntington National Bank of Lakeland to provide it.

Sophie’s Overall FICO score at the time of acceptance for a personal loan, taking into account their agricultural inspector job and their future job as an aeronautical & aerospace engineer

Fico Score: 696

Personal Loan for an agricultural inspector named Sophie in Tampa, Florida to Pay Off Elks Platinum Visa Credit Card

Sophie had a tonne of credit card debt on their Associated Bank College Rewards Visa Card and their Merrill Lynch Merrill+ Visa, and they were starting to get in over their heads. Despite Sophie’s job as an agricultural inspector, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

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

Fast loans in Tampa, Florida aren’t actually that difficult to obtain, especially if you have some finesse like Sophie. Sophie was able to find a fast loan for $88000 from Sun Bank/Palm Beach County, National Association and Sun Bank/South Central Florida, National Association, but turned down both offers in favor of their personal loan from First Citrus Bank. The difference with a fast loan over a installment loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement if you are on the go.

Sophie was not approved by Caribank 6 times prior to being granted funding by First Citrus Bank at 10824 N. Dale Mabry Highway

On March 7, 2014, Sophie inquired about borrowing $1,000 from Southeast Bank of Madison County, National Association with Lashay, their friend from just outside Tampa, and even with the co-signer, Sophie was rejected for this personal loan. With good credit, it can be very hard to procure financing, even with collateral and a co-signer.

Signature Loan found in Tampa, Florida for $88000 with good credit by Sophie

Many clients have difficulty with finding signature loans in Tampa, Florida, and Sophie is not an exception. Sophie went to 4 lending institutions or more before settling on First Citrus Bank, who offered Sophie a signature loan for $88000. Typical signature loans simply require a client, like Sophie’s signature to get them, up to $26,000 in some cases. Sophie was able to get $88000 as a personal loan, which is very high for a personal loan. Since signature loans don’t need a cosigner, these loans tend to require improved credit, as high as 757

Conclusion of Sophie’s personal loan

In the end, Sophie was able to find a personal loan for $88000 with an interest rate of 10.6% interest APR from First Citrus Bank in Tampa, Florida repayable over 4 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.