whats the best place to get a personal loan to clean up my debt at a low interest rate?

Question

besides local bank

approx 10,000 and im not a home owner yet

with bad credit

Answer 1

You are asking for the darn near impossible. How much do you earn a year? needs to be pretty high to secure that kind of loan. Credit cards are just revolving loans,, ie,, open all the time,, and most financial inst's use your credit to judge how much they will give you. CCs for bad credit run about 17-20%. If you can't get the cards, you probably won't be able to find any insstatution that will loan you the cash untill you clean up your credit. I know,, a catch 22, but that's what I see. C.

Answer 2

1

Answer 3

If you cannot get it from the local bank I would assume your credit score is not that good. In which case you would be paying an extremely high interest rate which would in the end only make matters worse. If you have a low score there will be no loan at a low rate sorry tis the facts.

Answer 4

tremendously previous by way of invite for suggestion now. yet because of the fact you asked. #a million. do away with the mastercard. do away with all of them. You of course are no longer in charge sufficient to have one so do away with them. #2. Pay the minimum volume each month. #3. See in case you may the two get them to diminish the interest cost or get a clean mastercard that provides a "0" % interest on transfers. in case you may swing one in all those for the completed volume, a minimum of you will no longer have interest to handle. although, whether you may decrease the interest cost a million-2 % which will help. #4. decrease costs someplace else and placed the mark downs on the debt. while you're sitting at dwelling house with a working laptop or laptop and have internet service, decrease the service and use the laptop on the library. whether you have a $10 internet get entry to, this is funds you may placed on the debt. in case you have a cellular telephone and a house telephone, do away with 1 or the different, you do no longer want the two. in case you have a cellular telephone, do no longer use textual content cloth or image messaging. do no longer use any of the further amenities as they cost funds. #5. Get a room mate. Get the room settlement in writing and regardless of money they pay you, placed it on the debt. #6. Drop out of school a 300 and sixty 5 days, get a job and pay off the debt. thinking how dumb you have been racking up that style of debt, your grades in all likelihood are no longer that warm besides. #7. forget approximately attempting to adhere the mastercard company for accountability reason they "knew it grew to become right into a playing website." YOU knew it grew to become right into a playing website. If anybody "cheated" it grew to become into you. #8. forget approximately putting forward financial disaster. It have been given greater stable to do for precisely one in all those element, people racking up charges then attempting to get out of them. #9. Your credit status is going to be ok in case you pay off the debt, by utilising paying a minimum of the minimum each month. in case you do no longer make funds, every time you permit out one, your credit status will drop 10 factors. once you hit 500, the mastercard company ought to turn the completed debt over to collections after which you will particularly be in worry. #10. sell some stuff. while you're like maximum babies, to procure some junk laying around you do no longer want. CDs, DVDs, high quality bike, IPOD. etc. whether you basically get some hundred and placed it on the debt, it is going to help. And circulate forth and sin not greater.

Answer 5

if your credit is decent ... look for a cc with zero interest for a year ... than pay it off as fast as you can .... be sure to cut the cc up once you get it in the mail ... so you are not temped to use it.

Answer 6

About the only way that's going to happen is from family.