If you can increase your budget to 1.5k, you can get Nokia X1-01 which supports 16gb memory/FM radio and loud music. Message capacity would be 500 though but its VFM.
+1 for X1-01. I bought one just a few days ago for some extra sims lying around, and the sound is really loud and clear, both on speakers, and when plugging in earphones. Totally VFM.
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