$82000 Private Loan – Dayton Tennessee, Credit Rating Of 411
- Experian: 425 – They had a bad Experian rating
- Transunion: 396 – Joya had a bad credit rating with Transunion.
- Equifax: Joya’s Experian score was 411, which is a bad credit score with the Experian scale.
Contact Details for The Dayton Bank & Trust Company, the provider of this private loan
- The Dayton Bank & Trust Company
- City: Dayton
- State: Tennessee
- Address: Third Avenue And Market Street
- County: Rhea
- Zip code: 37321
Joya’s Transunion score was changed by the private loan loan, changing to 396 from 411, which is typical in our experience.
Paraphrased and Standardized Quote from Joya for this private loan of $82000, provided by The Dayton Bank & Trust Company
Hello, I am Joya and I’m from Dayton in Tennessee. Rhea, county is where I grew up, and now I need a private loan in Tennessee for $82000 to avoid bankruptcy. It wasn’t easy, but The Dayton Bank & Trust Company really came through for me with this loan for 11.4% interest APR and a term of 11 years. I will repay the loan over the 11 year term, including interest. A big thanks to The Dayton Bank & Trust Company for trusting me and my bad credit. It look me 6 years to create my credit to 411, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.
Installment loan for Joya, a graduate of University of Pittsburgh – Main Campus and a prosthetic technician working for over $65,000 per year
Joya, an alumnus at University of Pittsburgh – Main Campus and a prosthetic technician in Dayton, Tennessee needs a private loan to purchase a new cell phone. Joya has instead decided to obtain an installment loan for $7,000 and is currently seeking lenders like First Tennessee Bank to provide it.
Joya was not approved by Smith County Bank 5 times before being granted funding by The Dayton Bank & Trust Company at Third Avenue And Market Street
On January 9, 2012, Joya inquired about borrowing $49,000 from Bank of Madisonville with Paris, their in law from just outside Dayton, and even with the co-signer, Joya was rejected for this private loan. With bad credit, it can be very hard to obtain financing, even with collateral and a co-signer.
Before applying for this private loan, Joya had an Experian score of 425, which is bad, so The Dayton Bank & Trust Company probably cannot provide Joya a private loan
Multiple previous requests for credit have been made by Joya in the past, including one from Trigg County Farmers Bank in Dayton, Tennessee before Joya was approved for the $82000 by The Dayton Bank & Trust Company
Joya made 8 previous tries to obtain a private loan, 2 of which were with Trigg County Farmers Bank, a bank in Dayton, Tennessee known to specialize in private loans specifically. Prior to finding The Dayton Bank & Trust Company, Joya was very concerned due to their inexperience and bad credit score.
Joya’s Overall FICO score at the time of acceptance for a private loan, taking into account their prosthetic technician job and their future career as a mentally retarded students teacher
Debt Consolidation Will Help Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks
Most debt consolidation loans range from $32,000.00 to $59,000.00. They are mainly used to pay off existing high interest loans like credit cards. Joya needed a debt consolidation loan to pay for their existing private loan and their payday loan. Joya was able to find a private loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which changes your dirty, high interest loans to one lower interest loan. Debt consolidation loans generally have interest rates that are low, like 3.6%.
7 Months in the Past, Joya Tried Finding a High Risk Loan for $33,000.00, and it was Easy
It is an existing struggle for clients to find high risk loans in a non-harmful manner. Many high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Joya. Joya chose not to obtain a high risk loan this time. High Risk loans are given to terrible credit clients. Borrowers with credit scores as low as 520 can apply for a high risk loan and possibly can be accepted.
Joya has a disappointing current yearly income, but has a high number of prospects
Joya has always wanted to be a mentally retarded students teacher, but would need attend University of Pittsburgh – Main Campus again to achieve it. Joya has other possibilities as well, including court administrator, correction officer, and political science professor, which pay $59,000 through to $96,000 per year, on average. Because of this, we believe that Joya can pay for this private loan of $82000.
Signature Loan acquired in Dayton, Tennessee for $82000 with bad credit by Joya
Most prospective borrowers struggle with finding signature loans in Dayton, Tennessee, and Joya is no exception. Joya went to 7 lenders or more before finding The Dayton Bank & Trust Company, who offered Joya a signature loan for $82000. Most signature loans simply require a client, like Joya’s signature to get them, up to $41,000 in some cases. Joya was able to get $82000 as a private loan, which is very high for a private loan. Since signature loans don’t need collateral, these loans generally require better credit, as high as 700
When Joya was 19, they tried to obtain a student loan from 6 different banks, which damaged their credit score. Below is a chronology of Joya’s prior attempts at finding a student loan:
- Attempt 1) Loan for $29,000.00 on December 4, 2012
- Attempt 2) Loan for $39,000.00 on April 18, 2010
- Attempt 3) Loan for $36,000.00 on March 1, 2009
- Attempt 4) Loan for $39,000.00 on March 3, 2009
- Attempt 5) Loan for $30,000.00 on August 2, 2009
- Attempt 6) Loan for $34,000.00 on September 13, 2012
Previous requests on Joya’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$121770.00||6||8.5%||$2164.87||Citizens Bank||December 20, 2011|
|$122240.00||11||10.5%||$1565.22||SunTrust Bank, Chattanooga, National Association||July 6, 2013|
|$122290.00||9||6.8%||$1517.03||GreenBank||May 25, 2014|
|$122200.00||10||6.4%||$1381.35||CommunityFIRST Bank||January 31, 2015|
|$122430.00||8||11.7%||$1969.71||Bank of Belfast||April 14, 2015|
Fast Loans for Joya in Dayton, Tennessee to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Dayton, Tennessee aren’t actually that difficult to obtain, especially if you have some gumption like Joya. Joya was able to find a fast loan for $82000 from City and County Bank of Roane County and DeKalb County Bank & Trust Company, but declined both offers in favor of their private loan from The Dayton Bank & Trust Company. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for debt consolidation loans. A big improvement in the case that a borrower is on the go.
Personal Loan for a prosthetic technician named Joya in Dayton, Tennessee to Pay Off Jessica London Credit Card
Joya had a tonne of credit card debt on their Bass Pro Shops Outdoor Rewards Platinum Plus Visa Credit Card and their Brooks Brothers Credit Card, and they were starting to get in over their heads. Despite Joya’s job as a prosthetic technician, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.
- Full name (Changed if requested): Joya Varnon
- Current Credit: loans.hit.utils.Fico@49097b5d
- Current City: Dayton
- State: Tennessee
- Zip code: 37326
- Yearly income: $44,000
- Current Job: prosthetic technician
- Current County: Rhea
- Goal Yearly Income: $83,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000
Conclusion of Joya’s private loan
In the end, Joya was able to find a private loan for $82000 with an interest rate of 5.2% interest APR from The Dayton Bank & Trust Company in Dayton, Tennessee repayable over 11 years from now.