Need a personal loan for $15,000 and i have poor credit?

Question

I need about $15,000 to pay off past debt and i cant find anyone to give me a personal loan because i have POOR credit. i make good money i just got behind on everything when my wife lost her job and i was paying both our bills untill some could not get paid at all, i am soooo lost any ideas???

I dont own a home, and this is not makeing more debt, if i have everything as one payment it would be a lot chaeper

Answer 1

Instead of taking out a personal loan, why don't you look into some debt reduction services? A lot of them lower the amount you are due and can even give you a loan to consolidate the bills. Do a google search for "debt reduction services" and shop around. I bet there is one that will work for you.

Answer 2

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Answer 3

why would you want to take out another loan to pay off a loan? You say you make good money, then use it - do everything in your power to cut back on your luxuries and expenses and pay off that loan! Don't use your credit cards. sell off luxuries you don't need, downsize your car, your home, get a part time job if you wife is unable to work. Support each other and GET MOVING!

if you are consolidating a loan, you need to look into the companies that will do that for you at a lower rate - there are plenty of companies out there, but use a reputable one.

Answer 4

Sir Candor is needed here. A loan to slavery is not what you need . You need to find 2 more part time jobs tell your wife you love her and go to work hard. Play catch up on the bills. Visit DaveRamsey.com so you never become a slave to debt again. Your wife needs to hustle to find ANY paying job ( employers hire working people faster) unless she has a real disability. You both need a budget for direction to your life. Remember layoffs are a part of life now a day . It will pass like gall stones. If she has issues with work suggest she read '48 days to work/job you love' and 'What color is your parachute' to help her in direction to work.
Attention to non home owners - debt con-solidation only treats the symptom not the causes of debt.
Debt con-solidation allows banks and mortgage companies to treat you as if you have filed bankruptcy, try getting a mortgage after bankruptcy.

Answer 5

I used to work for this prestigious company in Baltimore MD who will give loans to those in need. You said you need $15,000.
Well with this company your already approved, No Credit Check, No Income Verification, No Homeowner ship required. All they need is your signature on the dotted line. This is what you do.
Fill out there " I Need A Loan Badly" Application
Send it Back to them vial email, fax,regular mail, pony express etc...
They will look it over and approve you in 5 minutes
On $15,000 your looking at paying them $10.00/month No Intrest
Write me for more info.

Answer 6

I have just the thing for you,

Go to Prosper.com and follow the directions. It is an on line Lending service. I am new there and have what they call a loan listing . It really is working and is a free service. Just check it out.

I am there if you want to see just click me at;

jamesscarlet

Thank you
[e-mail]

Answer 7

I recently consolidated to pay off past debt (a lot higher than $15k though).

I found some interesting information about cheap debt consolidation loans at http://bad-credit.loan-information-center.com/Articles/Cheap_Debt_Consolidation_Loans_-_Inexpensive_Way_of_Winning_Financial_Freedom.php which I wish I had found before consolidating my debts.

Answer 8

Well if you have equity in your home you could take out a home equity loan, but that will raise your monthly payment.

Answer 9

Go check into debt consolidation.

Answer 10

If you are making good money now, you can pay off your past debt.