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Emergency Loan Of $46000 For Good Credit Tennessee Resident

$46000 Emergency Loan – Nashville Tennessee, Credit Score Of 600

  • Experian: 611 – This individual had a good Experian score
  • Transunion: 584 – Shanika had a good credit score with Transunion.
  • Equifax: Shanika’s Experian score was 600, which is a good credit score with the Experian scale.

Shanika’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their park naturalist job and their future career as a camp director

Fico Score: 600

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

Fast loans in Nashville, Tennessee aren’t actually that difficult to obtain, especially if you have some gumption like Shanika. Shanika was able to find a fast loan for $46000 from City and County Bank of Roane County and First State Bank, but turned down both offers in favor of their emergency loan from Union Planters Bank of Nashville. The improvement with a fast loan over a personal loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big difference if a client is in a pinch.

Previous requests on Shanika’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$145850.00 3 10.6% $4747.36 Citizens Bank October 25, 2010
$145680.00 9 8.8% $1957.52 SunTrust Bank, Chattanooga, National Association May 8, 2011
$145570.00 6 7.3% $2502.85 GreenBank May 15, 2011
$146250.00 9 10.5% $2098.81 CommunityFIRST Bank August 6, 2013
$145560.00 11 8.5% $1701.07 Bank of Belfast May 14, 2014

Signature Loan found in Nashville, Tennessee for $46000 with good credit by Shanika

Most borrowers struggle with obtaining signature loans in Nashville, Tennessee, and Shanika is no different. Shanika went to 7 lending institutions or more before settling on Union Planters Bank of Nashville, who offered Shanika a signature loan for $46000. Most signature loans simply need a client, like Shanika’s signature to get them, up to $49,000 in some cases. Shanika was able to get $46000 as a emergency loan, which is very high for an emergency loan. Since signature loans do not need a cosigner, these loans tend to need improved credit, as high as 772

Several past requests for credit have been made by Shanika in the past, including one from Bellwood Savings and Loan Association in Nashville, Tennessee before Shanika was approved for the $46000 by Union Planters Bank of Nashville

Shanika made 4 previous attempts to obtain an emergency loan, 2 of which were with Bellwood Savings and Loan Association, a lending institution in Nashville, Tennessee known to specialize in emergency loans specifically. Prior to finding Union Planters Bank of Nashville, Shanika was concerned due to their inexperience and good credit rating.

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

Normal debt consolidation loans vary from $31,000.00 to $52,000.00. They are typically used to pay off existing high interest loans like credit cards. Shanika required a debt consolidation loan to pay for their existing emergency loan and their credit card. Shanika was able to find a emergency 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 2.1%.

Client Profile: Shanika Bavelas of Nashville, Tennessee
  • Full name (Changed if requested): Shanika Bavelas
  • Current Credit: loans.hit.utils.Fico@626b2d4a
  • Current City: Nashville
  • State: Tennessee
  • Zip code: 37222
  • Yearly income: $33,000
  • Current Job: park naturalist
  • Current County: Davidson
  • Goal Yearly Income: $147,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Paraphrased and Standardized Quote from Shanika for this emergency loan of $46000, provided by Union Planters Bank of Nashville

Hello, I am Shanika and my hometown is Nashville in Tennessee. Davidson, county is where I grew up, and now I need a emergency loan in Tennessee for $46000 to pay bills. It has been difficult, but Union Planters Bank of Nashville really came through for me with this loan for 8.1% interest APR and a term of 14 years. I can repay the loan over the 14 year term, including interest. A big thanks to Union Planters Bank of Nashville for trusting me and my good credit. It look me 8 years to build my credit to 600, and I won’t tarnish it any more. I am happy with Find Texas Loans for helping me this far.

Contact Details for Union Planters Bank of Nashville, the provider of this emergency loan

  • Union Planters Bank of Nashville
  • City: Nashville
  • State: Tennessee
  • Address: 3904 Hillsboro Road
  • County: Davidson
  • Zip code: 37215

Before applying for this emergency loan, Shanika had an Experian score of 611, which is good, so Union Planters Bank of Nashville likely cannot provide Shanika an emergency loan

Experian Score: 611

Personal Loan for a park naturalist named Shanika in Nashville, Tennessee to Pay Off Chase +1 Student MasterCard

Shanika had a lot of credit card debt on their Fifth Third Real Life Rewards Credit Card and their University of Pennsylvania, and they were starting to get in over their heads. Despite Shanika’s job as a park naturalist, they struggled to make payments on the $22,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Shanika’s Transunion score was altered by the emergency loan loan, changing to 584 from 600, which is typical in our experience.

Transunion Score: 584

Shanika was declined by Bank of Trenton and Trust Company 5 times prior to being approved by Union Planters Bank of Nashville at 3904 Hillsboro Road

On June 20, 2012, Shanika inquired about borrowing $2,000 from SunTrust Bank, Chattanooga, National Association with Nenita, their friend from just outside Nashville, and even with the co-signer, Shanika was rejected for this emergency loan. With good credit, it can be a challenge to obtain financing, even with collateral and a co-signer.

Shanika has a very low current yearly income, but has a high number of prospects

Shanika has always wanted to be a camp director, but would need attend University of Wisconsin – La Crosse again to achieve it. Shanika has other possibilities as well, including outdoor education teacher, door to door salesmen, and industrial designer, which pay $50,000 through to $96,000 per year, on average. Because of this, we believe that Shanika can pay for this emergency loan of $46000.

Installment loan for Shanika, a graduate of University of Wisconsin – La Crosse and a park naturalist working for over $65,000 per year

Shanika, an alumnus at University of Wisconsin – La Crosse and a park naturalist in Nashville, Tennessee needs an emergency loan to purchase a car. Shanika has instead decided to obtain an installment loan for $25,000 and is currently seeking lenders like CommunityFIRST Bank to provide it.

When Shanika was 18, they tried to obtain a student loan from 7 different banks, which harmed their credit score. Below is a list of Shanika’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $34,000.00 on March 17, 2013
  • Attempt 2) Loan for $37,000.00 on March 12, 2010
  • Attempt 3) Loan for $32,000.00 on January 11, 2012
  • Attempt 4) Loan for $31,000.00 on July 14, 2012
  • Attempt 5) Loan for $32,000.00 on June 15, 2010
  • Attempt 6) Loan for $37,000.00 on December 23, 2012
  • Attempt 7) Loan for $33,000.00 on March 22, 2012

6 Months Ago, Shanika Tried to Find a High Risk Loan for $27,000.00, and it was Easy

There is an well known 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 frightening to borrowers like Shanika. Shanika chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit borrowers. Individuals with credit scores as low as 335 can inquire for a high risk loan and have a chance to be accepted.

Conclusion of Shanika’s emergency loan

In the end, Shanika was able to find an emergency loan for $46000 with an interest rate of 5.1% interest APR from Union Planters Bank of Nashville in Nashville, Tennessee repayable over 14 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.