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Low Rate Emergency Loan For Nelia In Franklin, Tennessee

$2000 Emergency Loan – Franklin Tennessee, Credit Score Of 757

  • Experian: 771 – The client had an excellent Experian rating
  • Transunion: 743 – Nelia had an excellent credit score with Transunion.
  • Equifax: Nelia’s Experian score was 757, which is an excellent credit score on the Experian scale.

When Nelia was 18, they tried to obtain a student loan from 6 alternate lenders, which harmed their credit rating. Below is a list of Nelia’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $29,000.00 on April 20, 2011
  • Attempt 2) Loan for $35,000.00 on November 18, 2008
  • Attempt 3) Loan for $21,000.00 on August 17, 2009
  • Attempt 4) Loan for $31,000.00 on May 21, 2010
  • Attempt 5) Loan for $20,000.00 on May 24, 2009
  • Attempt 6) Loan for $21,000.00 on September 28, 2010

Personal Loan for a sport’s/entertainment agent named Nelia in Franklin, Tennessee to Pay Off Chicago White Sox BankAmericard Cash Rewards MasterCard

Nelia had a lot of credit card debt on their Radio Shack Credit Card and their Lane Bryant Credit Card, and they were starting to get in over their heads. Despite Nelia’s job as a sport’s/entertainment agent, they struggled to make payments on the $21,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Paraphrased and Standardized Quote from Nelia for this emergency loan of $2000, provided by First Citizens Bank

Hello, I am Nelia and my hometown is Franklin in Tennessee. Williamson, county is where I grew up, and now I need a emergency loan in Tennessee for $2000 to avoid bankruptcy. It has been difficult, but First Citizens Bank really came through for me with this loan for 9.1% interest APR and a term of 18 years. I can repay the loan over the 18 year term, including interest. A big thanks to First Citizens Bank for trusting me and my excellent credit. It look me 9 years to build my credit to 757, and I won’t harm it any future. I’m pleased with Find Texas Loans for assisting me this far.

Fast Loans for Nelia in Franklin, Tennessee to prevent bankruptcy or harm from debt collectors.

Fast loans in Franklin, Tennessee aren’t actually that difficult to obtain, especially if you have some gumption like Nelia. Nelia was able to find a fast loan for $2000 from Bank of Trenton and Trust Company and Citizens Bank of Monroe County, but declined both offers in favor of their emergency loan from First Citizens Bank. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big improvement if you are on the go.

Before applying for this emergency loan, Nelia had an Experian score of 771, which is excellent, so First Citizens Bank likely cannot provide Nelia an emergency loan

Experian Score: 771

Nelia has a sad current yearly income, but has a high number of prospects

Nelia has always wanted to be a fine artist, but would have to attend “Wray K. Powell & Associates, Inc. Dale Carnegie Training” again to achieve it. Nelia has other prospects as well, including sales representative, air traffic controller, and preschool teacher, which pay $57,000 through to $103,000 per year, on average. Because of this, we believe that Nelia can afford this emergency loan of $2000.

9 Months Ago, Nelia Tried to Find a High Risk Loan for $48,000.00, 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 originating loan sharks or the like, which can be scary to borrowers like Nelia. Nelia chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit borrowers. Clients with credit ratings as low as 328 can inquire for a high risk loan and possibly can be accepted.

Signature Loan easily acquired in Franklin, Tennessee for $2000 with excellent credit by Nelia

A lot of clients have difficulty with finding signature loans in Franklin, Tennessee, and Nelia is not an exception. Nelia went to 7 lenders or more prior to settling on First Citizens Bank, who offered Nelia a signature loan for $2000. Typical signature loans simply need a client, like Nelia’s signature to obtain them, up to $36,000 in some cases. Nelia was able to get $2000 as a emergency loan, which is very high for an emergency loan. Since signature loans don’t require a cosigner, they tend to need better credit, as high as 746

Nelia’s Transunion score was altered by the emergency loan loan, changing to 743 from 757, which is normal in our experience.

Transunion Score: 743

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

Normal debt consolidation loans vary from $34,000.00 to $56,000.00. They are typically used to pay off existing high interest loans like credit cards. Nelia needed a debt consolidation loan to pay for their existing emergency loan and their credit card. Nelia was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates that are low, like 2.8%.

Installment loan for Nelia, a graduate of “Wray K. Powell & Associates, Inc. Dale Carnegie Training” and a sport’s/entertainment agent working for over $73,000 per year

Nelia, an alumnus at “Wray K. Powell & Associates, Inc. Dale Carnegie Training” and a sport’s/entertainment agent in Franklin, Tennessee needs an emergency loan to purchase a house. Nelia has instead chosen to get an installment loan for $29,000 and is at present seeking lenders like The Farmers & Merchants Bank to process their request.

Contact Details for First Citizens Bank, the provider of this emergency loan

  • First Citizens Bank
  • City: Franklin
  • State: Tennessee
  • Address: 121 First Avenue South
  • County: Williamson
  • Zip code: 37064

Previous requests on Nelia’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$36840.00 5 10.5% $791.84 Citizens Bank October 9, 2008
$37420.00 10 7.1% $436.41 SunTrust Bank, Chattanooga, National Association December 30, 2011
$37260.00 4 7.6% $902.65 GreenBank August 2, 2012
$37350.00 8 7.1% $511.08 CommunityFIRST Bank September 21, 2012
$36720.00 8 5.5% $473.66 Bank of Belfast November 12, 2012

Multiple previous requests for credit have been made by Nelia in the past, including one from Security Federal Savings and Loan Association of Chicago in Franklin, Tennessee before Nelia was accepted for the $2000 by First Citizens Bank

Nelia made 5 previous tries to obtain an emergency loan, 2 of which were with Security Federal Savings and Loan Association of Chicago, a lender in Franklin, Tennessee known to specialize in emergency loans specifically. Prior to finding First Citizens Bank, Nelia was very concerned due to their inexperience and excellent credit score.

Client Profile: Nelia Ori of Franklin, Tennessee
  • Full name (Changed if requested): Nelia Ori
  • Current Credit: loans.hit.utils.Fico@4534b60d
  • Current City: Franklin
  • State: Tennessee
  • Zip code: 37071
  • Yearly income: $46,000
  • Current Job: sport’s/entertainment agent
  • Current County: Williamson
  • Goal Yearly Income: $124,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Nelia was rejected by Bank of Trenton and Trust Company 6 times prior to being accepted by First Citizens Bank at 121 First Avenue South

On September 15, 2010, Nelia inquired about borrowing $8,000 from SunTrust Bank, Chattanooga, National Association with Melaine, their in law from just outside Franklin, and even with the co-signer, Nelia was rejected for this emergency loan. With excellent credit, it can be difficult to obtain financing, even with collateral and a co-signer.

Nelia’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their sport’s/entertainment agent job and their future career as a fine artist

Fico Score: 757

Conclusion of Nelia’s emergency loan

In the end, Nelia was able to find an emergency loan for $2000 with an interest rate of 6.8% interest APR from First Citizens Bank in Franklin, Tennessee repayable over 18 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.