I need help getting a personal loan $3,000 plus?

Question

All I come up with on-line are $1,500 (quick cash)

All I come up with on-line is those $1,500 (quick-cash) scheme with high (hidden) interest
* I live within my own means (simple life)
* I work 2 jobs
* I have 2 kids
* I have a car payment (2005 sedan)
* I have to pay rent

OK.....So, I go to my bank and the bank-lady there doesn't even try to look me up in her computer. she just tells me "IF YOU DONT HAVE PERFECT CREDIT, YOU WONT GET A LOAN HERE"
Nice huh?!?!?!

Answer 1

As much as I hate to say it, if you need $3K in a hurry, is there a reason you can't use a credit card? If you have poor credit, an unsecured line of credit at a high interest rate might be the way to go.

Besides a credit card, as someone mentioned, there is a website http://www.prosper.com

How it works is you provide your basic financial information to the website. You have to do a short biography. Most people say who they are, why they want the money, what their current expenses are, etc.. You request a loan for a certain amount and the maximum interest rate you are willing to pay. People (borrowers) review your information. If they like your story, are OK with your credit record (which is displayed to borrowers), and are willing to lend you money at your interest rate, they put a "bid" on your loan. Essentially, borrowers contribute a little bit of money toward your loan (minimum of $50) and essentially "buy" a piece of your debt. If your terms are right, your loan will get enough bids to be fully funded (in other words, a bunch of small $50 bids will equal $3K to you) Once your loan is funded, you get the money and you begin to pay the loan back as you normally would from a bank. The borrowers then divide the principle and interest prorated, depending on how much of your loan they have "bought".

If you default on your loan, your credit record will be damaged and you will be sent to collections. I believe all loans are 3 year loans, but you can pay them off early.

The other method I can think of is using credit cards. If you are like most people, you have a few credit cards. Credit card companies are always looking to get you to transfer balances between cards (for a fee of course). They are also always sending you those little checks so you take out money against your "available cash balance" at a very high interest rate.

Check with each of your credit card companies. You need two things. First, you need a company willing to transfer a balance from one card to the other at a low rate (my last transfer was 1.9% rate on the balance until paid off with a one time 3% transfer fee that was not to exceed $75). The second thing you need is a credit card that will let you draw against your "available cash balance" with no fee (some cards will charge you a percentage when you withdraw cash against the card...you want a card that will just rake you over the coals on interest).

Take the $3K in cash (either ATM it or request a check from the credit card company and write it too yourself) against a credit card. The next day, call the second credit card company and transfer the balance to a much lower interest rate. You will have to pay a transfer fee most likely, but it is much cheaper than the payday loan stores or check cashing places.

I hope this helps.

Answer 2

1

Answer 3

Depending on your credit score, a bank.

Be careful of Quick Cash or most of the PayDay Loan places. If you actually stop to figure out their fees and interest rates, it comes out to something like 400%. I just went and looked at one. Their fee for a 21 day loan of $1000 is $279.30. If you were to carry that out and figure out what the actual annual interest rate was, you'd be paying almost $4000 in interest if it were a one year loan. That's beyond ridiculous.

Check the terms of those loans VERY carefully. It is probably THE most expensive way to borrow money.

Answer 4

you can try a bank if your credit is good and use a car or whatever as collateral for the loan .the car has to be worth more than your loan.or if your credit is fair but not real strong have someone co sign to help build your own credit.good luck.

Answer 5

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Answer 6

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Answer 7

I just heard this site from my sister where you can get loans from people directly called www.prosper.com, check it out.

Answer 8

I suggest you to sell your 2005 car and quit one of your jobs and go back to College.

Answer 9

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