l live in ohio, and l am trying to get a personal loan up to $3000, however l have bad credit, does anyone give out loans to people with bad credit? so they can fix there credit? if so, where are they? who are they? please help me,...
2006-06-10 06:10:47 · 8 answers · asked by cats a 1 in Business & Finance ➔ Personal Finance
l did go to a credit union, they want a co-siner
2006-06-10 06:18:02 · update #1
l don,t have no co-signer, thanks
2006-06-10 06:24:36 · update #2
Get a co-signer with a good credit score. If that isn't possible use a company like American Finance or something equal to that, they are usually loan only businesses and not banks. Most of them make their money from 3rd party loans like when your local furniture stores says "No money down no payments until 2007" it is done through these little loan only businesses. Your interest rate may be close to 20% but you are more likely to get a loan if you can prove your income and their requirements on credit scores are much lower. Another long term alternative is to take out a small loan with a bank, not use the money and pay it back over 2 or 3 payments (months). Yet another option is to join a local credit union; credit unions give loans easier and if you have a co-signer who belongs to the same credit union there shouldn't be a problem. Remember most credit unions do not report anything to the Credit Companies unless you default or stop paying so being in good standing with your local credit union won't help your credit score. You can also offer to have the payments directly taken from your paycheck... this is sometimes very helpful if you have been at the same job over a long period.
2006-06-10 06:21:58 · answer #1 · answered by okchico 3 · 0⤊ 0⤋
If you can get someone close to you to cosign on a loan, that will help you a lot. My parents cosigned on my student loans to help me out, but I still have to pay it back myself. You can both take out the loan together and then you can draw up a contract between yourselves saying that you will be solely responsible for payment on the loan. That way whoever cosigns with you can feel safe.
Good Luck!
2006-06-10 06:15:35 · answer #2 · answered by happypanda03 3 · 0⤊ 0⤋
Try this website. My friend got a loan from there. Its like the ebay of loans.
Prosper.com
Check it out for real. I heard good things about them.
2006-06-16 04:32:25 · answer #3 · answered by ? 3 · 0⤊ 0⤋
Household Finance or Beneficial Finance. Hold on to your wallet cause you are going to get a very high interest rate.
2006-06-10 06:14:47 · answer #4 · answered by dhebert244 3 · 0⤊ 0⤋
what credit union did u go with? have you tried payday advances? i doubt you will get that much without going to a bank and applying.
2006-06-10 07:02:55 · answer #5 · answered by identity_crisis04 1 · 0⤊ 0⤋
loan sharks or Pawn shops.
2006-06-10 06:12:12 · answer #6 · answered by ? 6 · 0⤊ 0⤋
credit union because it is only $3,000
2006-06-10 06:12:53 · answer #7 · answered by investing1987 3 · 0⤊ 0⤋
Do you have a car we can use as collateral?
2006-06-10 15:31:41 · answer #8 · answered by Anonymous · 0⤊ 0⤋
you could try this type of membership
seems very useful
http://andycaine.creditprov.hop.clickbank.net
2006-06-12 02:46:27 · answer #9 · answered by yummy2myeyes 2 · 0⤊ 0⤋