loans for really bad credit?

Question

i need a loan and i am a tenant i am in full time employment earning 1651 a year ??

Answer 1

Why dont you try getting another job and saving up your money and paying cash for whatever it is you want the loan for. Your income seems incredibly low, like, so low you may as well not work. Get another job or 2 and save your money.

Answer 2

Bad credit is one of the worst problems to have... however there exists a solution.

I will hereby talk from my personal experience.

I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,
if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :

http://umgarticles.atspace.com/debt-consolidation.htm

if it helps kindly remember me in your voting!.. cheers!

Answer 3

If you have bad credit, then you should consider not getting any additional loans/credit cards. It obviously hasn't worked for you in the past.

You're much better off living below your means and saving your money until you can pay for the things you need.

Answer 4

R u in the uk or states?

If uk pls don't use provident, plus anyway they only offer 500quid to start with and you have to pay that back at 18 a week!!

a lot of the sources mentioned on here are for usa residents only so be warned if you're british like me;-)

what kind of really bad credit are we talking, CCJ's defults, bankrupsy what?

Answer 5

I should change your job to start with because thats ridiculiously low money. Anyway, if you only want a small amount, try provident but if you need more try welcome finance. High interest rates but thats the way the cookie crumbles. My advice is, try to do without a loan. I know thats easier said than done. All the best to you.

Answer 6

whatever you do DONT USE PROVIDENT. they will carge you 177% apr. ask your bank, if they turn you down, your options are likely to be very limited. you dont say how much you need and what its for. if you cant get a loan, consider a credit card, but pay off as much as you can each month.
heres a interesting note for you. in Germany it is illegal to charge more than 20% apr. thats the interest you pay.
DO NOT USE PROVIDENT

Answer 7

Once again MARTIND pops up!
He runs a company called SureFireFinance, oh, that just happens to be the company HE is recommending - HIS OWN COMPANY! Yeh, trust this guy, right? (NOT!)
SureFireFinance is a brokers who, it seems have a reputation for not answering their clients applications - friend of mine filled in his online form 7 weeks ago and has heard nothing!
Don't listen to this guy or touch his company.
If he can't be honest about who he is and what he does then ask yourself...would you trust him?

Answer 8

You could try Prosper but it sounds like you're just digging yourself into a deeper hole. Instead of getting this loan, how about getting a 2nd/3rd job to start bringing in more money.

Good luck!

http://www.personalfinance101.org/?utm_source=YH&utm_medium=link

Answer 9

That only comes out to .79 cents/hour if your working 40 hours a week for 52 weeks a year...that makes no sense!

Answer 10

Look up Orchard Bank. They're known for helping those with low or bad credit.