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21 Year, Fixed Interest Signature Loan For Erline In Tennessee

$108000 Signature Loan – Pigeon Forge Tennessee, Credit Rating Of 317

  • Experian: 329 – This individual had a terrible Experian rating
  • Transunion: 305 – Erline had a terrible credit score with Transunion.
  • Equifax: Erline’s Experian score was 317, which is a terrible credit rating with the Experian system.
Client Profile: Erline Filipi of Pigeon Forge, Tennessee
  • Full name (Changed if requested): Erline Filipi
  • Current Credit: loans.hit.utils.Fico@4629104a
  • Current City: Pigeon Forge
  • State: Tennessee
  • Zip code: 37869
  • Yearly income: $55,000
  • Current Job: landscape contractor
  • Current County: Sevier
  • Goal Yearly Income: $83,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000

Paraphrased and Standardized Quote from Erline for this signature loan of $108000, provided by Tennessee State Bank

Hello, I am Erline and I am from Pigeon Forge in Tennessee. Sevier, county is where I grew up, and now I need a signature loan in Tennessee for $108000 to buy a big ticket item. It wasn’t easy, but Tennessee State Bank really came through for me with this loan for 7.2% interest APR and a term of 21 years. I can probably repay the loan over the 21 year term, including interest. A big thanks to Tennessee State Bank for giving me a chance and my terrible credit. It look me 4 years to build my credit to 317, and I won’t harm it any more. I am happy with Find Texas Loans for helping me this far.

Several previous requests for credit have been made by Erline in the past, including one from Cooperative Federal Savings and Loan Association in Pigeon Forge, Tennessee before Erline was accepted for the $108000 by Tennessee State Bank

Erline made 7 prior attempts to obtain a signature loan, 2 of which were with Cooperative Federal Savings and Loan Association, a bank in Pigeon Forge, Tennessee known to specialize in signature loans specifically. Prior to finding Tennessee State Bank, Erline was desperate due to their inexperience and terrible credit score.

Fast Loans for Erline in Pigeon Forge, Tennessee to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Pigeon Forge, Tennessee aren’t actually that difficult to obtain, especially if you have some gumption like Erline. Erline was able to find a fast loan for $108000 from First Volunteer Bank of East Tennessee and Bells Banking Company, but declined both offers in favor of their signature loan from Tennessee State Bank. The improvement with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. Much better in the case that a borrower is on the go.

When Erline was 19, they tried to obtain a student loan from 5 different lenders, which harmed their credit score. Below is a list of Erline’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $22,000.00 on August 22, 2010
  • Attempt 2) Loan for $38,000.00 on October 26, 2010
  • Attempt 3) Loan for $20,000.00 on June 20, 2011
  • Attempt 4) Loan for $25,000.00 on June 3, 2013
  • Attempt 5) Loan for $37,000.00 on July 24, 2012

Installment loan for Erline, a graduate of Harid Conservatory and a landscape contractor working for over $65,000 per year

Erline, an alumnus at Harid Conservatory and a landscape contractor in Pigeon Forge, Tennessee needs a signature loan to purchase a car. Erline has instead chosen to get an installment loan for $21,000 and is currently seeking lenders like Smith County Bank to process their request.

Signature Loan found in Pigeon Forge, Tennessee for $108000 with terrible credit by Erline

Most prospective borrowers have difficulty with obtaining signature loans in Pigeon Forge, Tennessee, and Erline is no different. Erline went to 8 lenders or more prior to finding Tennessee State Bank, who offered Erline a signature loan for $108000. Typical signature loans simply require a client, like Erline’s signature to obtain them, up to $46,000 in some cases. Erline was able to get $108000 as a signature loan, which is very high for a signature loan. Because signature loans don’t require a cosigner, they tend to need higher credit, as high as 744

Erline’s Overall FICO score at the time of acceptance for a signature loan, taking into account their landscape contractor job and their future career as a criminal investigator

Fico Score: 317

Previous requests on Erline’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$109250.00 5 6.4% $2132.49 Citizens Bank May 31, 2013
$108740.00 3 11.3% $3575.48 SunTrust Bank, Chattanooga, National Association November 22, 2013
$108700.00 11 5.7% $1110.34 GreenBank April 16, 2015
$108840.00 4 5.8% $2546.14 CommunityFIRST Bank August 9, 2015
$108630.00 5 8.6% $2233.95 Bank of Belfast August 12, 2015

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Loan Sharks

Most debt consolidation loans vary from $28,000.00 to $45,000.00. They are typically used to pay off existing high interest loans like credit cards. Erline required a debt consolidation loan to pay for their existing signature loan and their credit card. Erline was able to find a signature loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 4.2%.

9 Months Ago, Erline Tried Finding a High Risk Loan for $48,000.00, and it was Easy

It is an existing struggle for borrowers to find high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be physically harmful to borrowers like Erline. Erline chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit individuals. Individuals with credit scores as low as 372 can apply for a high risk loan and may be be accepted.

Erline’s Transunion score was changed by the signature loan loan, changing to 305 from 317, which is normal in our experience.

Transunion Score: 305

Erline has a disappointing current total income, but has several of prospects

Erline has always wanted to be a criminal investigator, but would need attend Harid Conservatory again to become one. Erline has other prospects as well, including physical therapy assistant, ship mate, and carpenter’s assistant, which pay $58,000 through to $101,000 per year, on average. Because of this, we think that Erline can afford this signature loan of $108000.

Personal Loan for a landscape contractor named Erline in Pigeon Forge, Tennessee to Pay Off Platinum Visa Card

Erline had a lot of credit card debt on their Citi Chairman American Express Card and their ABC Warehouse Credit Card, and they were starting to get in over their heads. Despite Erline’s job as a landscape contractor, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Before applying for this signature loan, Erline had an Experian score of 329, which is terrible, so Tennessee State Bank probably can provide Erline a signature loan

Experian Score: 329

Contact Details for Tennessee State Bank, the provider of this signature loan

  • Tennessee State Bank
  • City: Pigeon Forge
  • State: Tennessee
  • Address: 2210 Parkway
  • County: Sevier
  • Zip code: 37863

Erline was rejected by First State Bank 4 times prior to being granted funding by Tennessee State Bank at 2210 Parkway

On October 31, 2012, Erline inquired about borrowing $25,000 from Citizens Bank with Virgen, their in law from just outside Pigeon Forge, and even with the co-signer, Erline was rejected for this signature loan. With terrible credit, it can be very hard to procure financing, even with collateral and a co-signer.

Conclusion of Erline’s signature loan

In the end, Erline was able to find a signature loan for $108000 with an interest rate of 8.5% interest APR from Tennessee State Bank in Pigeon Forge, Tennessee repayable over 21 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.