$98000 Student Loan – Jamestown Tennessee, Credit Score Of 627
- Experian: 642 – They had a good Experian score
- Transunion: 612 – Yvone had a good credit score with Transunion.
- Equifax: Yvone’s Experian score was 627, which is a good credit rating on the Experian scale.
6 Months in the Past, Yvone Tried to Find a High Risk Loan for $33,000.00, and it was Easy
There is an well known struggle for clients to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Yvone. Yvone decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit borrowers. Borrowers with credit ratings as low as 386 can apply for a high risk loan and possibly can be accepted.
Yvone was declined by First Farmers and Merchants Bank 7 times prior to being approved by Union Bank at 311 North Main Street
On December 2, 2011, Yvone inquired about borrowing $22,000 from Peoples and Union Bank with Shakia, their in law from just outside Jamestown, and even with the co-signer, Yvone was rejected for this student loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.
Many past requests for credit have been made by Yvone in the past, including one from Georgia State Bank in Jamestown, Tennessee before Yvone was approved for the $98000 by Union Bank
Yvone made 6 previous attempts to obtain a student loan, 2 of which were with Georgia State Bank, a bank in Jamestown, Tennessee known to specialize in student loans specifically. Prior to finding Union Bank, Yvone was desperate due to their inexperience and good credit score.
Personal Loan for a photogrammetric engineer named Yvone in Jamestown, Tennessee to Pay Off Evans Bank Platinum Edition Visa Card
Yvone had a tonne of credit card debt on their Vision Preferred Visa Prepaid Card and their Shell Platinum MasterCard, and they were starting to get in over their heads. Despite Yvone’s job as a photogrammetric engineer, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.
- Full name (Changed if requested): Yvone Boldwyn
- Current Credit: loans.hit.utils.Fico@6438a396
- Current City: Jamestown
- State: Tennessee
- Zip code: 38559
- Yearly income: $44,000
- Current Job: photogrammetric engineer
- Current County: Fentress
- Goal Yearly Income: $127,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000
Installment loan for Yvone, a graduate of University of Southern California and a photogrammetric engineer working for over $77,000 per year
Yvone, an alumnus at University of Southern California and a photogrammetric engineer in Jamestown, Tennessee wants a student loan to purchase something frivolous. Yvone has instead chosen to get an installment loan for $25,000 and is at present seeking lenders like First Tennessee Bank to provide it.
When Yvone was 19, they attempted to obtain a student loan from 5 different banks, which harmed their credit rating. Below is a chronology of Yvone’s previous attempts at finding a student loan:
- Attempt 1) Loan for $21,000.00 on November 1, 2010
- Attempt 2) Loan for $30,000.00 on March 13, 2009
- Attempt 3) Loan for $38,000.00 on July 29, 2013
- Attempt 4) Loan for $20,000.00 on February 18, 2010
- Attempt 5) Loan for $28,000.00 on January 14, 2011
Yvone’s Transunion score was altered by the student loan loan, changing to 612 from 627, which is normal in our experience.
Yvone has a low current yearly income, but has a high number of prospects
Yvone has always wanted to be a hospital administrator, but would have to attend University of Southern California again to achieve it. Yvone has other prospects as well, including computer and information scientists, parking enforcement officer, and school psychologist, which pay $51,000 through to $98,000 per year, at least. Because of this, we think that Yvone can afford this student loan of $98000.
Before applying for this student loan, Yvone had an Experian score of 642, which is good, so Union Bank probably cannot provide Yvone a student loan
Previous requests on Yvone’s credit
| Principle in USD | Term Length in Years | Annual Percentage Rate | Monthly Payment | Lender’s Branch Name | Date of Request |
|---|---|---|---|---|---|
| $103900.00 | 6 | 8.2% | $1831.87 | Citizens Bank | May 22, 2013 |
| $103590.00 | 4 | 7.2% | $2490.21 | SunTrust Bank, Chattanooga, National Association | December 8, 2013 |
| $103750.00 | 8 | 11.3% | $1646.58 | GreenBank | March 13, 2014 |
| $104390.00 | 6 | 10.8% | $1976.29 | CommunityFIRST Bank | August 23, 2014 |
Paraphrased and Standardized Quote from Yvone for this student loan of $98000, provided by Union Bank
Hello, I am Yvone and my hometown is Jamestown in Tennessee. Fentress, county is where I grew up, and now I need a student loan in Tennessee for $98000 to buy a car. It has been difficult, but Union Bank really came through for me with this loan for 7.1% interest APR and a term of 2 years. I can probably repay the loan over the 2 year term, including interest. A big thanks to Union Bank for giving me a chance and my good credit. It look me 7 years to create my credit to 627, and I won’t harm it any future. I’m happy with Find Texas Loans for helping me this far.
Yvone’s Overall FICO score at the time of acceptance for a student loan, taking into account their photogrammetric engineer job and their future job as a hospital administrator
Signature Loan easily acquired in Jamestown, Tennessee for $98000 with good credit by Yvone
A lot of prospective borrowers struggle with obtaining signature loans in Jamestown, Tennessee, and Yvone is no different. Yvone went to 7 lending institutions or more before settling on Union Bank, who offered Yvone a signature loan for $98000. Typical signature loans simply need a client, like Yvone’s signature to obtain them, up to $28,000 in some cases. Yvone was able to get $98000 as a student loan, which is very high for a student loan. Because signature loans do not require collateral, these loans tend to need better credit, as high as 790
Contact Details for Union Bank, the provider of this student loan
- Union Bank
- City: Jamestown
- State: Tennessee
- Address: 311 North Main Street
- County: Fentress
- Zip code: 38556
Fast Loans for Yvone in Jamestown, Tennessee to prevent bankruptcy or harm from debt collectors.
Fast loans in Jamestown, Tennessee aren’t actually that difficult to obtain, particularly if you have some gumption like Yvone. Yvone was able to find a fast loan for $98000 from Bank of Madisonville and Citizens Bank of Monroe County, but declined both offers in favor of their student loan from Union Bank. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference in the case that you are on the go.
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Average debt consolidation loans vary from $38,000.00 to $48,000.00. They are mainly used to pay off existing high interest loans like credit cards. Yvone needed a debt consolidation loan to pay for their existing student loan and their credit card. Yvone was able to find a student 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 one lower interest loan. Debt consolidation loans usually have interest rates that are low, like 3.2%.
Conclusion of Yvone’s student loan
In the end, Yvone was able to find a student loan for $98000 with an interest rate of 10.0% interest APR from Union Bank in Jamestown, Tennessee repayable over 2 years from today.
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