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$144000 No Collateral Loan With Good Credit In Clinton Tennessee

$144000 No Collateral Loan – Clinton Tennessee, Credit Score Of 639

  • Experian: 657 – This individual had a good Experian rating
  • Transunion: 621 – Renato had a good credit rating with Transunion.
  • Equifax: Renato’s Experian score was 639, which is a good credit score using the Experian scale.

Contact Details for First American National Bank of Anderson County, the provider of this no collateral loan

  • First American National Bank of Anderson County
  • City: Clinton
  • State: Tennessee
  • Address: 245 North Main Street
  • County: Anderson
  • Zip code: 37716

9 Months in the Past, Renato Tried to Find a High Risk Loan for $39,000.00, but They Didn’t Find What They were Expecting

There 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 Renato. Renato chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit clients. Borrowers with credit ratings as low as 592 can inquire for a high risk loan and possibly can be approved.

Before applying for this no collateral loan, Renato had an Experian score of 657, which is good, so First American National Bank of Anderson County probably cannot provide Renato a no collateral loan

Experian Score: 657

Personal Loan for a pbx installer and repairer named Renato in Clinton, Tennessee to Pay Off Nordstrom Visa Signature Card

Renato had a lot of credit card debt on their Five Star Bank Visa Business Card and their Sleep Number Credit Card, and they were starting to get in over their heads. Despite Renato’s job as a pbx installer and repairer, they struggled to make payments on the $20,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Signature Loan found in Clinton, Tennessee for $144000 with good credit by Renato

Most prospective borrowers struggle with finding signature loans in Clinton, Tennessee, and Renato is no different. Renato went to 5 lending institutions or more before settling on First American National Bank of Anderson County, who offered Renato a signature loan for $144000. Most signature loans simply need a client, like Renato’s signature to obtain them, up to $29,000 in some cases. Renato was able to get $144000 as a no collateral loan, which is very high for a no collateral loan. Because signature loans do not need a cosigner, these loans tend to need improved credit, as high as 701

Previous requests on Renato’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$66180.00 4 7.3% $1593.99 Citizens Bank January 21, 2012
$65670.00 10 9.2% $839.0 SunTrust Bank, Chattanooga, National Association May 23, 2014
$65780.00 8 10.2% $1005.13 GreenBank January 9, 2015
$66300.00 3 9.7% $2129.99 CommunityFIRST Bank March 28, 2015

Installment loan for Renato, a graduate of Youngstown State University and a pbx installer and repairer working for over $62,000 per year

Renato, an alumnus at Youngstown State University and a pbx installer and repairer in Clinton, Tennessee needs a no collateral loan to purchase a car. Renato has instead chosen to get an installment loan for $21,000 and is at present seeking lenders like Farmers Bank to process their request.

Renato’s Overall FICO score at the time of acceptance for a no collateral loan, taking into account their pbx installer and repairer job and their future job as a correction officer

Fico Score: 639

When Renato was 19, they tried to obtain a student loan from 7 alternate lenders, which harmed their credit rating. Below is a chronology of Renato’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $27,000.00 on February 22, 2013
  • Attempt 2) Loan for $24,000.00 on June 29, 2011
  • Attempt 3) Loan for $30,000.00 on May 28, 2009
  • Attempt 4) Loan for $34,000.00 on September 13, 2011
  • Attempt 5) Loan for $37,000.00 on June 17, 2012
  • Attempt 6) Loan for $35,000.00 on June 26, 2012
  • Attempt 7) Loan for $32,000.00 on July 14, 2012

Debt Consolidation Will Help Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Average debt consolidation loans range from $29,000.00 to $53,000.00. They are typically used to pay off existing high interest loans like credit cards. Renato needed a debt consolidation loan to pay for their existing no collateral loan and their credit card. Renato was able to find a no collateral loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your less desirable, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.1%.

Many previous requests for credit have been made by Renato in the past, including one from Mid Maine Savings Bank F.S.B. in Clinton, Tennessee before Renato was accepted for the $144000 by First American National Bank of Anderson County

Renato made 9 prior attempts to obtain a no collateral loan, 2 of which were with Mid Maine Savings Bank F.S.B., a lending institution in Clinton, Tennessee known to specialize in no collateral loans specifically. Prior to finding First American National Bank of Anderson County, Renato was very concerned due to their inexperience and good credit score.

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

Fast loans in Clinton, Tennessee aren’t actually that difficult to obtain, particularly if you have some finesse like Renato. Renato was able to find a fast loan for $144000 from First Tennessee Bank and Peoples and Union Bank, but turned down both offers in favor of their no collateral loan from First American National Bank of Anderson County. The difference 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 debt consolidation loans. Much better in the case that a borrower is on the go.

Renato’s Transunion score was changed by the no collateral loan loan, changing to 621 from 639, which is normal in our experience.

Transunion Score: 621

Renato has a sad current gross income, but has a large amount of prospects

Renato has always wanted to be a correction officer, but would need attend Youngstown State University again to become one. Renato has other possibilities as well, including social work professor, city planning aide, and plumber, which pay $52,000 through to $90,000 per year, at least. Because of this, we think that Renato can pay for this no collateral loan of $144000.

Client Profile: Renato Breniser of Clinton, Tennessee
  • Full name (Changed if requested): Renato Breniser
  • Current Credit: loans.hit.utils.Fico@277050dc
  • Current City: Clinton
  • State: Tennessee
  • Zip code: 37719
  • Yearly income: $52,000
  • Current Job: pbx installer and repairer
  • Current County: Anderson
  • Goal Yearly Income: $101,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000

Renato was not approved by UBank 4 times before being approved by First American National Bank of Anderson County at 245 North Main Street

On November 25, 2011, Renato inquired about borrowing $31,000 from Citizens Bank with Karyl, their friend from just outside Clinton, and even with the co-signer, Renato was rejected for this no collateral loan. With good credit, it can be challenging to obtain funding, even with collateral and a co-signer.

Paraphrased and Standardized Quote from Renato for this no collateral loan of $144000, provided by First American National Bank of Anderson County

Hello, I am Renato and my hometown is Clinton in Tennessee. Anderson, county is where I grew up, and now I need a no collateral loan in Tennessee for $144000 to buy a big ticket item. It has been difficult, but First American National Bank of Anderson County really came through for me with this loan for 6.8% interest APR and a term of 7 years. I can repay the loan over the 7 year term, including interest. A big thanks to First American National Bank of Anderson County for giving me a chance and my good credit. It look me 5 years to build my credit to 639, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.

Conclusion of Renato’s no collateral loan

In the end, Renato was able to find a no collateral loan for $144000 with an interest rate of 6.8% interest APR from First American National Bank of Anderson County in Clinton, Tennessee repayable over 7 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.