I filed bankruptcy a year ago need help with finding a credit agency to loan money ......?

Question

I filed bankruptcy a year ago, this was from a divorce and a lot of overwhelming debt. I now make excellent money as an RN and my bank gave me a loan for a car because they saw my income versus debt (which i had no debt but living expenses). Well now, I am wanting to have a cosmetic procedure done and I was wondering if anyone knew of any financing companies who would finance 100 percent of expenses.......I know I am probably expecting too much, but it is something that i have wanted all of my life and after all that ihave been through and all the hard work that i have done to overcome all of this....I wanted to treat myself. any adivce is appreciated.

Answer 1

http://www.cosmeticsurgeryfinancing.com/

http://www.capitalonehealthcarefinance.com/cosmetic/

http://www.plasticsurgery.org/public_education/procedures/index.cfm

This should help.

Answer 2

I doubt if you will get a loan even with your good income vs debt ratio. You would be seen as a credit risk due to having filed bankruptcy and having a divorce. The bakruptcy will stay on your record for 7 years. You may have to find a cosmetic surgeon who is willing to take payments instead.

Answer 3

Depending on the procedure, some surgeons will come up with a payment plan or help you with financing. There are usually companies like American General Finance who will give you a personal loan for whatever you choose, but the interest rate will be extremely high.

Good luck!

Answer 4

How long have you been a nurse? Can't you wait a few months and save up some funds to pay your cosmetic surgery? What is great money?

Answer 5

Try Prosper.com

Company Overview
Prosper, America's first people-to-people lending marketplace, was created to make consumer lending more financially and socially rewarding for everyone.

The way Prosper works is intuitive to people who have used eBay. Instead of listing and bidding on items, people list and bid on loans using Prosper's online auction platform.

People who want to lend set the minimum interest rate they are willing to earn and bid in increments of $50 to $25,000 on loan listings they select. People who lend can easily diversify using "standing orders", which automatically make many small loans to different borrowers.

In addition to criteria commonly used by institutional lenders, such as credit scores, people who lend can consider borrowers' group affiliations. Groups on Prosper are critical to bringing people together for the common goal of borrowing at better rates. Groups earn reputations according to their members' repayment records. Groups with successful repayment histories should attract more lenders offering lower rates.

Borrowers create loan listings for up to $25,000 and set the maximum rate they are willing to pay a lender. Then the auction begins as people who lend bid down the interest rate. Once the auction ends, Prosper takes the bids with the lowest rates and combines them into one simple loan. Prosper handles all on-going loan administration tasks including loan repayment and collections on behalf of the matched borrower and lenders.