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Unsecured Loan With Reasonable APR In Knox County, Tennessee

$160000 Unsecured Loan – Knoxville Tennessee, Credit Rating Of 804

  • Experian: 815 – This individual had an excellent Experian score
  • Transunion: 791 – Jeff had an excellent credit rating with Transunion.
  • Equifax: Jeff’s Experian score was 804, which is an excellent credit rating using the Experian scale.

Jeff’s Transunion score was changed by the unsecured loan loan, changing to 791 from 804, which is normal in our experience.

Transunion Score: 791

Client Profile: Jeff Cera of Knoxville, Tennessee
  • Full name (Changed if requested): Jeff Cera
  • Current Credit: loans.hit.utils.Fico@27bc2616
  • Current City: Knoxville
  • State: Tennessee
  • Zip code: 37925
  • Yearly income: $44,000
  • Current Job: freight and stock handler
  • Current County: Knox
  • Goal Yearly Income: $95,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Previous requests on Jeff’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$76800.00 11 5.3% $769.05 Citizens Bank May 17, 2009
$77310.00 9 11.3% $1143.59 SunTrust Bank, Chattanooga, National Association September 20, 2010
$77180.00 7 10.7% $1309.37 GreenBank October 21, 2012
$76820.00 7 11.7% $1343.79 CommunityFIRST Bank December 31, 2013
$77110.00 7 10.3% $1292.1 Bank of Belfast November 19, 2014

Contact Details for First Tennessee Bank, Knoxville, Tennessee, the provider of this unsecured loan

  • First Tennessee Bank, Knoxville, Tennessee
  • City: Knoxville
  • State: Tennessee
  • Address: 530 Gay Street
  • County: Knox
  • Zip code: 37918

Signature Loan found in Knoxville, Tennessee for $160000 with excellent credit by Jeff

Most prospective borrowers struggle with obtaining signature loans in Knoxville, Tennessee, and Jeff is not an exception. Jeff went to 7 lenders or more before finding First Tennessee Bank, Knoxville, Tennessee, who offered Jeff a signature loan for $160000. Typical signature loans simply need a client, like Jeff’s signature to obtain them, up to $39,000 in some cases. Jeff was able to get $160000 as a unsecured loan, which is very high for an unsecured loan. Since signature loans don’t need collateral, these loans generally need better credit, as high as 763

Multiple past requests for credit have been made by Jeff in the past, including one from First Federal Savings and Loan Association in Knoxville, Tennessee before Jeff was accepted for the $160000 by First Tennessee Bank, Knoxville, Tennessee

Jeff made 6 previous tries to obtain an unsecured loan, 2 of which were with First Federal Savings and Loan Association, a lender in Knoxville, Tennessee known to specialize in unsecured loans specifically. Before finding First Tennessee Bank, Knoxville, Tennessee, Jeff was concerned due to their inexperience and excellent credit score.

Debt Consolidation Can Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $23,000.00 to $57,000.00. They are normally used to pay off existing high interest loans like credit cards. Jeff required a debt consolidation loan to pay for their existing unsecured loan and their payday loan. Jeff was able to find a unsecured loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your bad, high interest loans to one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 4.5%.

When Jeff was 18, they tried to obtain a student loan from 6 alternate banks, which damaged their credit score. Below is a list of Jeff’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on October 21, 2008
  • Attempt 2) Loan for $37,000.00 on January 10, 2011
  • Attempt 3) Loan for $33,000.00 on November 1, 2011
  • Attempt 4) Loan for $25,000.00 on April 10, 2011
  • Attempt 5) Loan for $26,000.00 on July 23, 2012
  • Attempt 6) Loan for $24,000.00 on July 4, 2013

Before applying for this unsecured loan, Jeff had an Experian score of 815, which is excellent, so First Tennessee Bank, Knoxville, Tennessee likely can provide Jeff an unsecured loan

Experian Score: 815

Personal Loan for a freight and stock handler named Jeff in Knoxville, Tennessee to Pay Off The Great Lakes Rabbit Sanctuary Visa Platinum Rewards Card

Jeff had a tonne of credit card debt on their Old Pueblo Traders AMO Credit Card and their Fulton Bank Visa Signature Bonus Rewards PLUS Card, and they were starting to get in over their heads. Despite Jeff’s job as a freight and stock handler, they struggled to make payments on the $29,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Fast Loans for Jeff in Knoxville, Tennessee to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Knoxville, Tennessee aren’t actually that difficult to obtain, especially if you have some finesse like Jeff. Jeff was able to find a fast loan for $160000 from Bank of Crockett and Farmers Bank, but turned down both offers in favor of their unsecured loan from First Tennessee Bank, Knoxville, Tennessee. 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 6 weeks for installment loans. A big difference if a client is in a time sensitive situation.

Installment loan for Jeff, a graduate of California State Polytechnic University – Pomona and a freight and stock handler working for over $60,000 per year

Jeff, an alumnus at California State Polytechnic University – Pomona and a freight and stock handler in Knoxville, Tennessee wants an unsecured loan to purchase something frivolous. Jeff has instead chosen to get an installment loan for $15,000 and is at present seeking lenders like First Tennessee Bank to provide it.

Jeff was rejected by Farmers Bank 7 times prior to being granted funding by First Tennessee Bank, Knoxville, Tennessee at 530 Gay Street

On August 31, 2011, Jeff applied about borrowing $6,000 from United Southern Bank of Humphreys County with Evelynn, their in law from just outside Knoxville, and even with the co-signer, Jeff was rejected for this unsecured loan. With excellent credit, it can be challenging to procure financing, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Jeff for this unsecured loan of $160000, provided by First Tennessee Bank, Knoxville, Tennessee

Hi, I am Jeff and I am from Knoxville in Tennessee. Knox, county is where I grew up, and now I need a unsecured loan in Tennessee for $160000 to renovate my home. It has been difficult, but First Tennessee Bank, Knoxville, Tennessee really came through for me with this loan for 8.4% interest APR and a term of 1 years. I will repay the loan over the 1 year term, including interest. A big thanks to First Tennessee Bank, Knoxville, Tennessee for giving me a chance and my excellent credit. It look me 6 years to build my credit to 804, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

Jeff’s Overall FICO score at the time of acceptance for an unsecured loan, taking into account their freight and stock handler job and their future career as an elementary school administrator

Fico Score: 804

Jeff has a very low current total income, but has several of prospects

Jeff has always wanted to be an elementary school administrator, but would have to attend California State Polytechnic University – Pomona again to become one. Jeff has other possibilities as well, including computer and information scientists, materials scientist, and reservation ticket agent, which pay $59,000 through to $99,000 per year, on average. Because of this, we think that Jeff can pay for this unsecured loan of $160000.

7 Months Ago, Jeff Tried to Find a High Risk Loan for $42,000.00, and it was Hard

It is an well known 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 physically harmful to borrowers like Jeff. Jeff decided not to get a high risk loan this time. High Risk loans are generally given by lenders to terrible credit applicants. Borrowers with credit ratings as low as 534 can inquire for a high risk loan and have a chance to be approved.

Conclusion of Jeff’s unsecured loan

In the end, Jeff was able to find an unsecured loan for $160000 with an interest rate of 9.3% interest APR from First Tennessee Bank, Knoxville, Tennessee in Knoxville, Tennessee repayable over 1 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.