Is there any way a person with not so great credit score but trying hard to raise it, get a loan more than 300

Question

I'm looking for a personal loan for school but all i get is credit card offer for a limit of 300 with a fee of $72 leaving a whole $228 not to mention the super high interest rate, or payday loans of up to $500. Does anyone know any life saving company's out there that are willing to help people with great jobs, and great pays?

Answer 1

look to a credit union for a better rate
take what credit limit you can et (probably about $300-$500), keep the card current, and ask for a credit increase after 12-24 months of on-time payments

Also, for a student loan--apply through the gov't...www.fafsa.gov
better rates, tax-deductible interest

Answer 2

Do NOT go to a pay day lender!!! That is the most common way people fall into serious debt. They are just ridiculous with the fees and rates they charge people who feel they have no choice. Check out getting loans from local financial institutions like banks or credit unions. They tend to be easier to finance with than larger companies or credit cards. Plus after a few ontime payments you can request they reevaluate the loan and maybe increase your limit. Also, you may need a co-signer if your credit is not great. That just means someone else, like a parent, family member or friend will sign that in the event you were to not pay they would pay for you. So, obviously if the person trusts you will pay the loan they will be willing to help you get on your feet. Good luck!

Answer 3

Have you tried getting a student loan through sallie mae, capital one, ect? They give them to just about anyone. Financial aid through your college may also be an option. If your debt to income ratio is low enough, you should be able to get a loan for more than $300 from any bank. The interest rate will be higher than someone with great credit would get but still much lower than a credit card. The student loan is really the way to go since you do not have to start paying it back until 6 months after you graduate. A financial aid officer at your school should be able to help you.

Answer 4

Have you checked into your local credit union. If you have a good job you could apply for a personal signature loan. Check if they will give you a on your vehicle if you have one. That could get you more than you think

Answer 5

If you have been paying faithfully on your credit card every month, ask the credit card company if they can up your credit limit by $200, which isn't very much money.

Answer 6

discover somebody who you comprehend properly (family or stable chum) who has impressive credit and is keen to function you to a pair of their debts. this might make your credit leap critically. There are certainly "companies" on the internet that grant this service to those who desire to heavily advance their FICO scores. They promote for those that've stable credit and intend to make some money on the facet. They then charge countless hundred money from the guy with low credit to function them to the stable credit guy or woman's debts. They skim a pair hundred off the properly suited and supply something to the stable credit guy or woman. they additionally on no account supply the low credit guy or woman any of the ideas on the debts to which they have been extra. besides the reality that, i might think of it does not be impossible to make certain that data by using your guy or woman credit comments. this is why i desire to advise you do this with somebody you comprehend properly, so which you comprehend there is not any possibility of fraud in the two path.

Answer 7

You need collateral of some type and they will run at you smiling with their hand full of greenbacks

Answer 8

have you applied for student loans and all other financial aid?

Answer 9

get someone to cosign for loan with you

Answer 10

be group gigolo