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High Risk Loan With Very Low APR In Davidson County, Tennessee

$87000 High Risk Loan – Nashville Tennessee, Credit Rating Of 584

  • Experian: 596 – They had a fair Experian score
  • Transunion: 572 – Darcie had a fair credit score with Transunion.
  • Equifax: Darcie’s Experian score was 584, which is a fair credit score using the Experian rating scheme.

Many other requests for credit have been made by Darcie in the past, including one from Cal America Savings and Loan Association, A Federal Savings and Loan Ass in Nashville, Tennessee before Darcie was accepted for the $87000 by Capital Bank & Trust Company

Darcie made 8 previous tries to obtain a high risk loan, 2 of which were with Cal America Savings and Loan Association, A Federal Savings and Loan Ass, a lending institution in Nashville, Tennessee known to specialize in high risk loans specifically. Prior to finding Capital Bank & Trust Company, Darcie was desperate due to their inexperience and fair credit rating.

7 Months Ago, Darcie Tried Finding a High Risk Loan for $47,000.00, and it was Hard

It is an well known struggle for borrowers to find high risk loans in a non-harmful way. Many high risk loans end up coming from loan sharks or the like, which can be physically harmful to borrowers like Darcie. Darcie chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Individuals with credit ratings as low as 305 can apply for a high risk loan and possibly can be accepted.

Previous requests on Darcie’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$92780.00 4 7.1% $2226.04 Citizens Bank June 3, 2010
$92820.00 7 11.1% $1594.19 SunTrust Bank, Chattanooga, National Association July 16, 2011
$93450.00 10 8.1% $1138.75 GreenBank June 20, 2013
$93380.00 8 7.5% $1296.48 CommunityFIRST Bank October 28, 2013
$92710.00 7 6.8% $1390.2 Bank of Belfast January 10, 2014

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $39,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Darcie required a debt consolidation loan to pay for their existing high risk loan and their loan shark loan. Darcie was able to find a high risk loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which changes your dirty, catastrophically high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates as low as 2.0%.

Darcie’s Transunion score was changed by the high risk loan loan, changing to 572 from 584, which is typical in our experience.

Transunion Score: 572

Darcie has a sad current total income, but has a high number of prospects

Darcie has always wanted to be a building inspector, but would have to attend Community College of Aurora again to achieve it. Darcie has other possibilities as well, including radio & tv producer, photogrammetric engineer, and export agent, which pay $56,000 through to $98,000 per year, at least. Because of this, we believe that Darcie can afford this high risk loan of $87000.

Contact Details for Capital Bank & Trust Company, the provider of this high risk loan

  • Capital Bank & Trust Company
  • City: Nashville
  • State: Tennessee
  • Address: 1820 West End Avenue
  • County: Davidson
  • Zip code: 37203

Darcie’s Overall FICO score at the time of acceptance for a high risk loan, taking into account their chaplain job and their future career as a building inspector

Fico Score: 584

When Darcie was 22, they attempted to obtain a student loan from 4 different lenders, which damaged their credit score. Below is a chronology of Darcie’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on August 15, 2009
  • Attempt 2) Loan for $39,000.00 on May 12, 2009
  • Attempt 3) Loan for $20,000.00 on March 21, 2012
  • Attempt 4) Loan for $32,000.00 on April 7, 2010

Personal Loan for a chaplain named Darcie in Nashville, Tennessee to Pay Off Wells Fargo Business Elite Card

Darcie had a tonne of credit card debt on their Defenders of Wildlife WorldPoints Platinum Plus Visa Card and their M&T Visa Credit Card with Rewards, and they were starting to get in over their heads. Despite Darcie’s job as a chaplain, they struggled to make payments on the $24,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Fast Loans for Darcie in Nashville, Tennessee to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Nashville, Tennessee aren’t actually that difficult to obtain, particularly if you have some finesse like Darcie. Darcie was able to find a fast loan for $87000 from GreenBank and First Farmers and Merchants Bank, but declined both offers in favor of their high risk loan from Capital Bank & Trust Company. The improvement with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big improvement in the case that you are in a pinch.

Installment loan for Darcie, a graduate of Community College of Aurora and a chaplain working for over $66,000 per year

Darcie, an alumnus at Community College of Aurora and a chaplain in Nashville, Tennessee needs a high risk loan to purchase something frivolous. Darcie has instead chosen to get an installment loan for $19,000 and is currently seeking lenders like Peoples Bank & Trust Company to provide it.

Paraphrased and Standardized Quote from Darcie for this high risk loan of $87000, provided by Capital Bank & Trust Company

Hi, I am Darcie and I’m from Nashville in Tennessee. Davidson, county is where I grew up, and now I need a high risk loan in Tennessee for $87000 to pay bills. It wasn’t easy, but Capital Bank & Trust Company really came through for me with this loan for 10.4% interest APR and a term of 6 years. I can probably repay the loan over the 6 year term, including interest. A big thanks to Capital Bank & Trust Company for giving me a chance and my fair credit. It look me 9 years to create my credit to 584, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Before applying for this high risk loan, Darcie had an Experian score of 596, which is fair, so Capital Bank & Trust Company probably cannot provide Darcie a high risk loan

Experian Score: 596

Client Profile: Darcie Hy of Nashville, Tennessee
  • Full name (Changed if requested): Darcie Hy
  • Current Credit: loans.hit.utils.Fico@30dae81
  • Current City: Nashville
  • State: Tennessee
  • Zip code: 37211
  • Yearly income: $35,000
  • Current Job: chaplain
  • Current County: Davidson
  • Goal Yearly Income: $149,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $1000

Darcie was rejected by Cleveland Bank and Trust Company 4 times prior to being accepted by Capital Bank & Trust Company at 1820 West End Avenue

On October 12, 2012, Darcie inquired about borrowing $16,000 from Citizens Bank with Lavonna, their friend from just outside Nashville, and even with the co-signer, Darcie was rejected for this high risk loan. With fair credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Signature Loan found in Nashville, Tennessee for $87000 with fair credit by Darcie

A lot of prospective borrowers struggle with obtaining signature loans in Nashville, Tennessee, and Darcie is not an exception. Darcie went to 7 lenders or more before settling on Capital Bank & Trust Company, who offered Darcie a signature loan for $87000. Most signature loans simply need a client, like Darcie’s signature to get them, up to $25,000 in some cases. Darcie was able to get $87000 as a high risk loan, which is very high for a high risk loan. Because signature loans do not need collateral, these loans tend to require improved credit, as high as 786

Conclusion of Darcie’s high risk loan

In the end, Darcie was able to find a high risk loan for $87000 with an interest rate of 6.8% interest APR from Capital Bank & Trust Company in Nashville, Tennessee repayable over 6 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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