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Low Rate Auto Loan For Sandie In Tampa, Florida

$45000 Auto Loan – Tampa Florida, Credit Rating Of 380

  • Experian: 395 – This client had a terrible Experian rating
  • Transunion: 368 – Sandie had a terrible credit score with Transunion.
  • Equifax: Sandie’s Experian score was 380, which is a terrible credit score on the Experian system.

Signature Loan acquired in Tampa, Florida for $45000 with terrible credit by Sandie

A lot of borrowers struggle with finding signature loans in Tampa, Florida, and Sandie is no exception. Sandie went to 6 lenders or more prior to settling on NCNB National Bank of Florida, who offered Sandie a signature loan for $45000. Typical signature loans simply require a client, like Sandie’s signature to get them, up to $33,000 in some cases. Sandie was able to get $45000 as a auto loan, which is very high for an auto loan. Since signature loans do not need a cosigner, these loans tend to need higher credit, as high as 776

Sandie’s Overall FICO score at the time of acceptance for an auto loan, taking into account their probation officer job and their future job as an industrial air pollution analyst

Fico Score: 380

Previous requests on Sandie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$14850.00 7 8.4% $234.43 NCNB National Bank of Florida August 16, 2012
$14880.00 8 10.3% $228.16 Southeast Bank of Madison County, National Association October 16, 2012
$15450.00 7 9.8% $254.89 Southeast Bank of Wildwood January 24, 2014
$15240.00 7 5.8% $221.18 Atlantic Bank of Jacksonville July 28, 2014
$15330.00 3 9.6% $491.78 Century National Bank of Broward December 6, 2014

Installment loan for Sandie, a graduate of University of Missouri – Columbia and a probation officer working for over $67,000 per year

Sandie, an alumnus at University of Missouri – Columbia and a probation officer in Tampa, Florida needs an auto loan to purchase a new cell phone. Sandie has instead decided to obtain an installment loan for $24,000 and is at present seeking lenders like The First Bankers of Polk County to provide it.

Paraphrased and Standardized Quote from Sandie for this auto loan of $45000, provided by NCNB National Bank of Florida

Hello, I am Sandie and I am from Tampa in Florida. Hillsborough, county is where I grew up, and now I need a auto loan in Florida for $45000 to buy a car. It wasn’t easy, but NCNB National Bank of Florida really came through for me with this loan for 10.3% interest APR and a term of 20 years. I will repay the loan over the 20 year term, including interest. A big thanks to NCNB National Bank of Florida for giving me a chance and my terrible credit. It look me 9 years to create my credit to 380, and I won’t harm it any more. I am happy with Find Texas Loans for assisting me this far.

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

Normal debt consolidation loans vary from $21,000.00 to $50,000.00. They are typically used to pay off existing high interest loans like credit cards. Sandie needed a debt consolidation loan to pay for their existing auto loan and their credit card. Sandie was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.0%.

Fast Loans for Sandie in Tampa, Florida to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Tampa, Florida aren’t actually that difficult to obtain, especially if you have some gumption like Sandie. Sandie was able to find a fast loan for $45000 from SunTrust Bank, Northwest, Florida and Sun Bank and Trust Company, but turned down both offers in favor of their auto loan from NCNB National Bank of Florida. 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 installment loans. Much better if you are in a pinch.

When Sandie was 20, they attempted to obtain a student loan from 5 different banks, which harmed their credit score. Below is a chronology of Sandie’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $20,000.00 on August 12, 2010
  • Attempt 2) Loan for $33,000.00 on October 28, 2012
  • Attempt 3) Loan for $20,000.00 on May 14, 2009
  • Attempt 4) Loan for $31,000.00 on November 23, 2008
  • Attempt 5) Loan for $37,000.00 on November 13, 2009

Several other requests for credit have been made by Sandie in the past, including one from South Florida Savings Bank in Tampa, Florida before Sandie was accepted for the $45000 by NCNB National Bank of Florida

Sandie made 6 previous tries to obtain an auto loan, 2 of which were with South Florida Savings Bank, a bank in Tampa, Florida known to specialize in auto loans specifically. Before finding NCNB National Bank of Florida, Sandie was concerned due to their inexperience and terrible credit rating.

Contact Details for NCNB National Bank of Florida, the provider of this auto loan

  • NCNB National Bank of Florida
  • City: Tampa
  • State: Florida
  • Address: 600 Florida Avenue
  • County: Hillsborough
  • Zip code: 33630

Sandie was not approved by Sun Bank and Trust Company 5 times prior to being approved by NCNB National Bank of Florida at 600 Florida Avenue

On August 21, 2011, Sandie applied about borrowing $23,000 from Century National Bank of Broward with Jone, their friend from just outside Tampa, and even with the co-signer, Sandie was rejected for this auto loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Client Profile: Sandie Osterberg of Tampa, Florida
  • Full name (Changed if requested): Sandie Osterberg
  • Current Credit: loans.hit.utils.Fico@6433a2
  • Current City: Tampa
  • State: Florida
  • Zip code: 33633
  • Yearly income: $33,000
  • Current Job: probation officer
  • Current County: Hillsborough
  • Goal Yearly Income: $145,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000

8 Months in the Past, Sandie Tried Finding a High Risk Loan for $46,000.00, and it was Hard

It is an ongoing struggle for borrowers to find high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Sandie. Sandie chose not to obtain a high risk loan this time. High Risk loans are given to bad credit clients. Borrowers with credit ratings as low as 537 can inquire for a high risk loan and may be be accepted.

Sandie has a sad current total income, but has a large amount of prospects

Sandie has always wanted to be an industrial air pollution analyst, but would have to attend University of Missouri – Columbia again to achieve it. Sandie has other prospects as well, including physical therapy assistant, aircraft launch and recovery officer, and artillery and missile officer, which pay $53,000 through to $100,000 per year, on average. Because of this, we think that Sandie can pay for this auto loan of $45000.

Personal Loan for a probation officer named Sandie in Tampa, Florida to Pay Off KeyBank Business Rewards MasterCard Credit Card

Sandie had a lot of credit card debt on their UMB Visa Platinum Rewards and their Wells Fargo Secured Visa Card, and they were starting to get in over their heads. Despite Sandie’s job as a probation officer, they struggled to make payments on the $28,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Before applying for this auto loan, Sandie had an Experian score of 395, which is terrible, so NCNB National Bank of Florida most likely can provide Sandie an auto loan

Experian Score: 395

Sandie’s Transunion score was changed by the auto loan loan, changing to 368 from 380, which is typical in our experience.

Transunion Score: 368

Conclusion of Sandie’s auto loan

In the end, Sandie was able to find an auto loan for $45000 with an interest rate of 7.8% interest APR from NCNB National Bank of Florida in Tampa, Florida repayable over 20 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.