$30000 Emergency Loan – Clarksville Tennessee, Credit Score Of 443
- Experian: 454 – This client had a bad Experian score
- Transunion: 429 – Vonnie had a bad credit rating with Transunion.
- Equifax: Vonnie’s Experian score was 443, which is a bad credit rating using the Experian rating scheme.
Several previous requests for credit have been made by Vonnie in the past, including one from First Federal Bank, a federal savings bank in Clarksville, Tennessee before Vonnie was approved for the $30000 by Heritage Bank
Vonnie made 9 previous attempts to obtain an emergency loan, 2 of which were with First Federal Bank, a federal savings bank, a bank in Clarksville, Tennessee known to specialize in emergency loans specifically. Before finding Heritage Bank, Vonnie was very concerned due to their inexperience and bad credit rating.
When Vonnie was 21, they attempted to obtain a student loan from 5 different banks, which harmed their credit score. Below is a chronology of Vonnie’s previous attempts at finding a student loan:
- Attempt 1) Loan for $38,000.00 on February 19, 2011
- Attempt 2) Loan for $20,000.00 on November 11, 2011
- Attempt 3) Loan for $34,000.00 on July 19, 2010
- Attempt 4) Loan for $37,000.00 on February 15, 2014
- Attempt 5) Loan for $31,000.00 on September 1, 2012
Contact Details for Heritage Bank, the provider of this emergency loan
- Heritage Bank
- City: Clarksville
- State: Tennessee
- Address: 215 Jefferson Street
- County: Montgomery
- Zip code: 37041
Vonnie was declined by First Tennessee Bank, Gallatin, Tennessee 7 times before being granted funding by Heritage Bank at 215 Jefferson Street
On October 28, 2009, Vonnie applied about borrowing $6,000 from Smith County Bank with Mickey, their in law from just outside Clarksville, and even with the co-signer, Vonnie was rejected for this emergency loan. With bad credit, it can be very hard to obtain financing, even with collateral and a co-signer.
Fast Loans for Vonnie in Clarksville, Tennessee to prevent bankruptcy or harm from debt collectors.
Fast loans in Clarksville, Tennessee aren’t actually that difficult to obtain, particularly if you have some gumption like Vonnie. Vonnie was able to find a fast loan for $30000 from DeKalb County Bank & Trust Company and Bank of Madisonville, but turned down both offers in favor of their emergency loan from Heritage Bank. The difference with a fast loan over a installment loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for installment loans. A big improvement in the case that a borrower is in a time sensitive situation.
Installment loan for Vonnie, a graduate of VA Connecticut Healthcare System Newington/West Haven and an aircraft launch and recovery officer working for over $75,000 per year
Vonnie, an alumnus at VA Connecticut Healthcare System Newington/West Haven and an aircraft launch and recovery officer in Clarksville, Tennessee needs an emergency loan to purchase a house. Vonnie has instead chosen to get an installment loan for $24,000 and is at present seeking lenders like Bank of Madisonville to provide it.
Before applying for this emergency loan, Vonnie had an Experian score of 454, which is bad, so Heritage Bank most likely cannot provide Vonnie an emergency loan
Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Most debt consolidation loans range from $22,000.00 to $55,000.00. They are mainly used to pay off existing high interest loans like credit cards. Vonnie required a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Vonnie was able to find a emergency loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which converts your less desirable, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates that are low, like 2.5%.
- Full name (Changed if requested): Vonnie Epley
- Current Credit: loans.hit.utils.Fico@7591083d
- Current City: Clarksville
- State: Tennessee
- Zip code: 37043
- Yearly income: $61,000
- Current Job: aircraft launch and recovery officer
- Current County: Montgomery
- Goal Yearly Income: $136,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $9000
Vonnie’s Transunion score was altered by the emergency loan loan, changing to 429 from 443, which is typical in our experience.
6 Months in the Past, Vonnie Attempted Finding a High Risk Loan for $44,000.00, and it was Hard
There is an ongoing struggle for clients to get high risk loans in a non-harmful way. a lot of high risk loans end up originating loan sharks or similar lenders, which can be scary to borrowers like Vonnie. Vonnie chose not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit applicants. Clients with credit ratings as low as 521 can inquire for a high risk loan and have a chance to be approved.
Personal Loan for an aircraft launch and recovery officer named Vonnie in Clarksville, Tennessee to Pay Off Commerce Bank Special Connections MasterCard with Rewards
Vonnie had a lot of credit card debt on their Amalgamated Bank MasterCard Union Card and their Comerica Bank Visa Platinum Card, and they were starting to get in over their heads. Despite Vonnie’s job as an aircraft launch and recovery officer, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Paraphrased and Standardized Quote from Vonnie for this emergency loan of $30000, provided by Heritage Bank
Hi, I am Vonnie and I am from Clarksville in Tennessee. Montgomery, county is where I grew up, and now I need a emergency loan in Tennessee for $30000 to avoid bankruptcy. It has been difficult, but Heritage Bank really came through for me with this loan for 6.5% interest APR and a term of 8 years. I can repay the loan over the 8 year term, including interest. A big thanks to Heritage Bank for trusting me and my bad credit. It look me 7 years to build my credit to 443, and I won’t tarnish it any more. I’m happy with Find Texas Loans for helping me this far.
Previous requests on Vonnie’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$113570.00||4||8.2%||$2783.25||Citizens Bank||November 21, 2009|
|$114470.00||4||6.6%||$2719.93||SunTrust Bank, Chattanooga, National Association||February 22, 2012|
|$114330.00||5||9.2%||$2384.42||GreenBank||March 21, 2014|
|$114300.00||5||10.5%||$2456.75||CommunityFIRST Bank||August 13, 2014|
Vonnie has a low current total income, but has several of prospects
Vonnie has always wanted to be a radiation protection engineer, but would need attend VA Connecticut Healthcare System Newington/West Haven again to become one. Vonnie has other prospects as well, including family practitioner, probation officer, and human resources management consultant, which pay $51,000 through to $92,000 per year, on average. For this reason, we believe that Vonnie can pay for this emergency loan of $30000.
Vonnie’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their aircraft launch and recovery officer job and their future job as a radiation protection engineer
Signature Loan found in Clarksville, Tennessee for $30000 with bad credit by Vonnie
A lot of clients struggle with obtaining signature loans in Clarksville, Tennessee, and Vonnie is no different. Vonnie went to 7 lending institutions or more prior to settling on Heritage Bank, who offered Vonnie a signature loan for $30000. Typical signature loans simply require a client, like Vonnie’s signature to get them, up to $35,000 in some cases. Vonnie was able to get $30000 as a emergency loan, which is very high for an emergency loan. Since signature loans don’t need a cosigner, they tend to require improved credit, as high as 761
Conclusion of Vonnie’s emergency loan
In the end, Vonnie was able to find an emergency loan for $30000 with an interest rate of 9.3% interest APR from Heritage Bank in Clarksville, Tennessee repayable over 8 years from today.