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21 Year, Variable Interest Auto Loan For Tosha In Tennessee

$180000 Auto Loan – Nashville Tennessee, Credit Rating Of 649

  • Experian: 664 – This client had a good Experian rating
  • Transunion: 636 – Tosha had a good credit rating with Transunion.
  • Equifax: Tosha’s Experian score was 649, which is a good credit rating using the Experian rating scheme.

Signature Loan acquired in Nashville, Tennessee for $180000 with good credit by Tosha

A lot of borrowers struggle with obtaining signature loans in Nashville, Tennessee, and Tosha is not an exception. Tosha went to 6 lending institutions or more prior to settling on Union Planters Bank of Nashville, who offered Tosha a signature loan for $180000. Typical signature loans simply need a client, like Tosha’s signature to obtain them, up to $49,000 in some cases. Tosha was able to get $180000 as a auto loan, which is very high for an auto loan. Since signature loans do not require collateral, these loans generally need better credit, as high as 770

Client Profile: Tosha Kaigle of Nashville, Tennessee
  • Full name (Changed if requested): Tosha Kaigle
  • Current Credit: loans.hit.utils.Fico@ba8a1dc
  • Current City: Nashville
  • State: Tennessee
  • Zip code: 37221
  • Yearly income: $67,000
  • Current Job: airport design engineer
  • Current County: Davidson
  • Goal Yearly Income: $128,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Tosha was rejected by Peoples Bank & Trust Company 5 times before being accepted by Union Planters Bank of Nashville at 3904 Hillsboro Road

On April 4, 2010, Tosha inquired about borrowing $22,000 from First State Bank with Kamilah, their in law from just outside Nashville, and even with the co-signer, Tosha was rejected for this auto loan. With good credit, it can be very hard to procure funding, even with collateral and a co-signer.

8 Months in the Past, Tosha Tried Finding a High Risk Loan for $26,000.00, and it was Hard

There is an well known struggle for clients to find high risk loans in a safe manner. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Tosha. Tosha chose not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Individuals with credit scores as low as 302 can inquire for a high risk loan and have a chance to be approved.

Previous requests on Tosha’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$44480.00 7 11.7% $778.08 Citizens Bank March 11, 2013
$44380.00 9 6.5% $543.86 SunTrust Bank, Chattanooga, National Association October 20, 2013
$44430.00 9 5.1% $513.86 GreenBank October 12, 2014
$44340.00 8 9.1% $651.89 CommunityFIRST Bank December 16, 2014
$43780.00 3 6.3% $1337.83 Bank of Belfast January 3, 2015

Paraphrased and Standardized Quote from Tosha for this auto loan of $180000, provided by Union Planters Bank of Nashville

Hi, I am Tosha and I am from Nashville in Tennessee. Davidson, county is where I grew up, and now I need a auto loan in Tennessee for $180000 to buy a big ticket item. It has been difficult, but Union Planters Bank of Nashville really came through for me with this loan for 9.1% interest APR and a term of 21 years. I will repay the loan over the 21 year term, including interest. A big thanks to Union Planters Bank of Nashville for giving me a chance and my good credit. It look me 5 years to create my credit to 649, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

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

Fast loans in Nashville, Tennessee aren’t actually that difficult to obtain, particularly if you have some gumption like Tosha. Tosha was able to find a fast loan for $180000 from The Farmers Bank of Lynchburg and Merchants and Planters Bank, but turned down both offers in favor of their auto loan from Union Planters Bank of Nashville. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. Much better in the case that a borrower is on the go.

Personal Loan for an airport design engineer named Tosha in Nashville, Tennessee to Pay Off TD Easy Rewards Business Visa Credit Card

Tosha had a tonne of credit card debt on their Quantas and their State Farm Good Neighbor Visa Credit Card, and they were starting to get in over their heads. Despite Tosha’s job as an airport design engineer, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Several previous requests for credit have been made by Tosha in the past, including one from Summit Bank in Nashville, Tennessee before Tosha was accepted for the $180000 by Union Planters Bank of Nashville

Tosha made 4 prior attempts to obtain an auto loan, 2 of which were with Summit Bank, a bank in Nashville, Tennessee known to specialize in auto loans specifically. Prior to finding Union Planters Bank of Nashville, Tosha was desperate due to their inexperience and good credit rating.

Installment loan for Tosha, a graduate of Star Career Academy – Philadelphia and an airport design engineer working for over $60,000 per year

Tosha, an alumnus at Star Career Academy – Philadelphia and an airport design engineer in Nashville, Tennessee wants an auto loan to purchase a new cell phone. Tosha has instead decided to obtain an installment loan for $18,000 and is at present seeking lenders like CommunityFIRST Bank to provide it.

Tosha’s Transunion score was changed by the auto loan loan, changing to 636 from 649, which is normal in our experience.

Transunion Score: 636

When Tosha was 18, they attempted to obtain a student loan from 7 alternate banks, which harmed their credit score. Below is a list of Tosha’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on November 13, 2012
  • Attempt 2) Loan for $25,000.00 on April 8, 2011
  • Attempt 3) Loan for $28,000.00 on October 23, 2012
  • Attempt 4) Loan for $31,000.00 on November 1, 2010
  • Attempt 5) Loan for $36,000.00 on August 11, 2009
  • Attempt 6) Loan for $21,000.00 on November 2, 2008
  • Attempt 7) Loan for $20,000.00 on October 23, 2009

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

Tosha has always wanted to be a restaurant manager, but would have to attend Star Career Academy – Philadelphia again to achieve it. Tosha has other possibilities as well, including food preparation worker, platemakers, and customer service representative, which pay $53,000 through to $108,000 per year, at least. Because of this, we believe that Tosha can afford this auto loan of $180000.

Before applying for this auto loan, Tosha had an Experian score of 664, which is good, so Union Planters Bank of Nashville most likely cannot provide Tosha an auto loan

Experian Score: 664

Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Payday Loans

Average debt consolidation loans vary from $23,000.00 to $47,000.00. They are mainly used to pay off existing high interest loans like credit cards. Tosha needed a debt consolidation loan to pay for their existing auto loan and their loan shark loan. Tosha was able to find a auto loan in the end. Debt consolidation, or simply consolidation, is a technique in the debt snowball method which changes your dirty, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans generally have interest rates as low as 2.1%.

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

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

Tosha’s Overall FICO score at the time of acceptance for an auto loan, taking into account their airport design engineer job and their future career as a restaurant manager

Fico Score: 649

Conclusion of Tosha’s auto loan

In the end, Tosha was able to find an auto loan for $180000 with an interest rate of 6.1% interest APR from Union Planters Bank of Nashville in Nashville, 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.