$144000 Emergency Loan – Neptune Beach Florida, Credit Rating Of 374
- Experian: 393 – They had a terrible Experian rating
- Transunion: 362 – Artie had a terrible credit rating with Transunion.
- Equifax: Artie’s Experian score was 374, which is a terrible credit score on the Experian system.
Artie was declined by SunTrust Bank, Northwest, Florida 6 times before being approved by The Citizens and Southern Bank of Duval County at 309 Third Street
On May 28, 2012, Artie applied about borrowing $24,000 from Florida Bank of Volusia County with Elizbeth, their friend from just outside Neptune Beach, and even with the co-signer, Artie was rejected for this emergency loan. With terrible credit, it can be challenging to obtain financing, even with collateral and a co-signer.
6 Months in the Past, Artie Attempted Finding a High Risk Loan for $39,000.00, but They Didn’t Find What They were Expecting
There is an well known struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Artie. Artie decided not to obtain a high risk loan this time. High Risk loans are given to terrible credit borrowers. Clients with credit ratings as low as 462 can inquire for a high risk loan and possibly can be accepted.
When Artie was 19, they tried to obtain a student loan from 7 alternate lenders, which harmed their credit rating. Below is a chronology of Artie’s previous attempts at finding a student loan:
- Attempt 1) Loan for $29,000.00 on July 11, 2012
- Attempt 2) Loan for $22,000.00 on May 5, 2011
- Attempt 3) Loan for $23,000.00 on July 26, 2010
- Attempt 4) Loan for $36,000.00 on January 29, 2013
- Attempt 5) Loan for $36,000.00 on June 13, 2011
- Attempt 6) Loan for $35,000.00 on December 7, 2011
- Attempt 7) Loan for $39,000.00 on March 16, 2013
Artie’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their fire investigator job and their future job as a biology professor
Fast Loans for Artie in Neptune Beach, Florida to prevent bankruptcy or harm from debt collectors.
Fast loans in Neptune Beach, Florida aren’t actually that difficult to obtain, especially if you have some finesse like Artie. Artie was able to find a fast loan for $144000 from Century National Bank of Broward and Flagship Bank of Lake Alfred, but declined both offers in favor of their emergency loan from The Citizens and Southern Bank of Duval County. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big difference in the case that a client is in a pinch.
Several past requests for credit have been made by Artie in the past, including one from Dillard National Bank in Neptune Beach, Florida before Artie was approved for the $144000 by The Citizens and Southern Bank of Duval County
Artie made 5 prior attempts to obtain an emergency loan, 2 of which were with Dillard National Bank, a bank in Neptune Beach, Florida known to specialize in emergency loans specifically. Prior to finding The Citizens and Southern Bank of Duval County, Artie was very concerned due to their inexperience and terrible credit rating.
Contact Details for The Citizens and Southern Bank of Duval County, the provider of this emergency loan
- The Citizens and Southern Bank of Duval County
- City: Neptune Beach
- State: Florida
- Address: 309 Third Street
- County: Duval
- Zip code: 32233
Personal Loan for a fire investigator named Artie in Neptune Beach, Florida to Pay Off San Francisco Giants BankAmericard Cash Rewards MasterCard
Artie had a lot of credit card debt on their Teachers FCU Platinum Visa and their Men’s Wearhouse Perfect Fit Credit Card, and they were starting to get in over their heads. Despite Artie’s job as a fire investigator, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
- Full name (Changed if requested): Artie Blasi
- Current Credit: loans.hit.utils.Fico@6504e3b2
- Current City: Neptune Beach
- State: Florida
- Zip code: 32234
- Yearly income: $58,000
- Current Job: fire investigator
- Current County: Duval
- Goal Yearly Income: $116,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Before applying for this emergency loan, Artie had an Experian score of 393, which is terrible, so The Citizens and Southern Bank of Duval County probably cannot provide Artie an emergency loan
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Normal debt consolidation loans vary from $36,000.00 to $46,000.00. They are mainly used to pay off existing high interest loans like credit cards. Artie needed a debt consolidation loan to pay for their existing emergency loan and their credit card. Artie was able to find a emergency loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which transfers your dirty, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.4%.
Previous requests on Artie’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$104410.00||5||11.8%||$2312.0||NCNB National Bank of Florida||June 15, 2009|
|$104300.00||9||11.5%||$1554.45||Southeast Bank of Madison County, National Association||December 6, 2011|
|$104370.00||11||5.2%||$1039.92||Southeast Bank of Wildwood||August 7, 2012|
|$103850.00||11||5.3%||$1039.92||Atlantic Bank of Jacksonville||January 12, 2014|
Artie has a low current gross income, but has a high number of prospects
Artie has always wanted to be a biology professor, but would have to attend Reformed Theological Seminary again to achieve it. Artie has other prospects as well, including substance abuse counselor, patent lawyer, and utility meter reader, which pay $58,000 through to $107,000 per year, on average. For this reason, we believe that Artie can pay for this emergency loan of $144000.
Signature Loan acquired in Neptune Beach, Florida for $144000 with terrible credit by Artie
A lot of borrowers struggle with finding signature loans in Neptune Beach, Florida, and Artie is the same. Artie went to 7 lenders or more prior to finding The Citizens and Southern Bank of Duval County, who offered Artie a signature loan for $144000. Typical signature loans simply need a client, like Artie’s signature to get them, up to $40,000 in some cases. Artie was able to get $144000 as a emergency loan, which is very high for an emergency loan. Because signature loans do not need a cosigner, these loans generally require improved credit, as high as 744
Artie’s Transunion score was altered by the emergency loan loan, changing to 362 from 374, which is typical in our experience.
Paraphrased and Standardized Quote from Artie for this emergency loan of $144000, provided by The Citizens and Southern Bank of Duval County
Hello, I am Artie and I’m from Neptune Beach in Florida. Duval, county is where I grew up, and now I need a emergency loan in Florida for $144000 to buy a big ticket item. It has been difficult, but The Citizens and Southern Bank of Duval County really came through for me with this loan for 11.3% interest APR and a term of 18 years. I can probably repay the loan over the 18 year term, including interest. A big thanks to The Citizens and Southern Bank of Duval County for trusting me and my terrible credit. It look me 6 years to create my credit to 374, and I won’t harm it any future. I’m happy with Find Texas Loans for assisting me this far.
Installment loan for Artie, a graduate of Reformed Theological Seminary and a fire investigator working for over $68,000 per year
Artie, an alumnus at Reformed Theological Seminary and a fire investigator in Neptune Beach, Florida needs an emergency loan to purchase a new cell phone. Artie has instead decided to obtain an installment loan for $3,000 and is currently seeking lenders like Southeast Bank of Madison County, National Association to process their request.
Conclusion of Artie’s emergency loan
In the end, Artie was able to find an emergency loan for $144000 with an interest rate of 9.5% interest APR from The Citizens and Southern Bank of Duval County in Neptune Beach, Florida repayable over 18 years from today.