How can I get a loan or something for $2k to get us caught up on bills but our credit is really bad?

Question

I have tried that cashcall and places like that but since our credit is so poor no one will lend to us. If I cant get this moeny I dont know how I will be able to feed my 2 children at this point and keep a roof over their heads!

Answer 1

Bankrate.com
Saving when you're barely surviving
Monday August 28, 6:00 am ET
Don Taylor
Dear Dr. Don,
I am a husband and father of two young toddlers. My net pay is just enough to scrape by every two weeks. With health insurance premiums well over $400 per month, my net pay is only enough to cover the bills. Every time I set aside money, I end up having to use it all for some unforeseen expenditure, and then some with credit cards (whose balances continue to escalate). Where does one in my situation begin to save?
-- Underfunded Mike

Dear Mike,
Your question is one of the more difficult issues in personal finance. How do you work toward the future when you're having trouble getting through the week?
The key is to keep spending less than income. Easier said than done, but that doesn't mean it doesn't need to be done. Spiraling credit card balances aren't the answer. Credit cards just postpone the problem and have you spending money on finance charges that should be going toward meeting your family's needs.
Differentiate between what's necessary and what's nice in your monthly spending. Cutting out cell phones (or alternatively land lines), cable TV, dinners out, etc. brings down your monthly nut. Bankrate has a budget work sheet that you can download to put together a monthly spending plan. Talk to your employer's personnel department to see if there are ways of reducing the health-care costs while keeping family coverage. Taking advantage of flexible spending accounts to pay for medical costs with pretax dollars is one possible way of accomplishing this goal.
The other side of the equation is to increase income. Take a second job, or a third. Don't think of it as forever, just until you can get the credit card balances down and build a bit of a cash cushion. If your wife doesn't work, perhaps she should. Bankrate's "Should my spouse work, too?" calculator will help with that math.
The answers aren't easy, but you've got to ramp up income, throttle back on spending or both to get to the point where you move past paycheck-to-paycheck living and get to the point where your income is also building toward your family's future.
If you've worked through all this and still can't see a way, it's time to ask for help. Your state government might be able to help with health-care insurance for the children, for example. A Bankrate feature, "Finding help in hard times," has some other ideas, too.
To ask a question of Dr. Don, go to the "Ask the Experts" page, and select one of these topics: "financing a home," "saving & investing" or "money."

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Answer 2

you might be able to get a secured loan...if you have assets of $2000....assets would be a house, a car...etc. If you own your own home (or have a mortgage) you can apply for a Home Equity Line of Credit or a Home Equity Loan. You could also try a credit-builder loan. the money goes into a CD to secure the loan and you just make payments on it. Or...if you have $2000 in assets already, submit that as collateral and get the $2000 from the loan to help with bills.

Answer 3

You bought it, you should pay for it. A credit card is a convenience and should only be used under the following conditions: Automatic payment in full every month the side benefit is you don't pay any interest Emergency use only, example a major car repair or home repair. Pay off as quickly as possible. Since you are aware that the banks screw us every single chance they get-don't set yourself up to be screwed. If you can't handle the payments cut up your credit cards and convert to cash only. You will reduce your stress factor.

Answer 4

Borrowing money is NEVER the answer to getting out of debt. It may seem like a short-term solution but it is not.

You have to change your thinking that debt is a good thing. It is not. Look where it has gotten you.

NEVER put creditors before food, clothing, transportation and clothing. These are the necessities of life NOT your credit score.

Do you have anything that you can sell? Is there a friend or family member than can GIVE (not loan) you some money?

Please contact me directly. I can help.

Scott....

Answer 5

Almost sure that you must find every financial solution at= loanhome.info/-

RE How can I get a loan or something for $2k to get us caught up on bills but our credit is really bad?

I have tried that cashcall and places like that but since our credit is so poor no one will lend to us. If I cant get this moeny I dont know how I will be able to feed my 2 children at this point and keep a roof over their heads!

Answer 6

www.prosper.com is for private loans

get a second job like the rest of america is doing- work nights as a bartender or watiress- work at a call center or factory part time- work on weekends at a golf course or ski resort

do what you HAVE TO to get out of debt-then you can relax

Answer 7

Maybe a collateralized loan like a pawn shop?
Own anything valuable?

Answer 8

Well, if you or your partner are working, Garnish they'll do it. Until it's all paid for!!! If you oew the county or the goverment, they'll take it out of you'r check!!

Answer 9

good or bad crediy doesn't matter. quick money from banks and financial source.low interest loans available.get easy now hurry.visit:http://www.freewebs.com/***********

Answer 10

Sell your blood.