where can I get a personal loan with really poor credit?

Question

I am looking for a personal loan, but I am having a hard time,My credit score is low due to my credit cards being at their limits. I want to pay them off to bring my score back up. I also promised my kids we would actually take a vacation this summer. Not happening. I keep getting solicitated by these scams, does anyone know a legitimate company that could help me. Thanks.

Answer 1

Don't pay attention to the people on here who are trying to Scam you. Beware of Advance fee Loan scams.
LOAN SCAM - Do Not Pay UpFront Fees.
Do not send money UpFront via Western Union or MoneyGram to any person or business in the UK, Nigeria or Canada in hopes of getting a loan. If you do you will learn a hard lesson & never see any Loan money.

Remember, if it sounds too good
to be true, it probably is! NEVER give out your personal information to strangers online! Always be on guard.

http://scamalertusa.blogspot.com/

Answer 2

1

Answer 3

Those companies will do more harm than good. You pay them and end up almost as bad as bankruptcy.

You can pay them off yourself. First make a strict budget. Eliminate all the extras -- eating out, vacations, cell phone, premium cable and internet, etc. Take every penny you can squeeze out of that budget and put it on the highest rate credit card, while paying the minimum on the rest. When the highest rate card is paid off, go to the next, till all the credit cards are paid off.

Once you get those credit cards paid off, don't charge more than you can afford to pay at the end of the month.

You should learn the difference between WANT and NEED. Pay for the need items first, save for the want items and wait till you have cash in hand.

Answer 4

People with poor credit feel that it is difficult to get personal loans. However, there are many financial companies and banks that provide loans to bad credit applicants. Bad credit personal loans are generally soughtThe interest rates on secured loans are lower than unsecured loans. However, there is always the risk of losing your house or property if the loan is not repaid.

Answer 5

in case you had a 530, and have been paying on time for a minimum of a three hundred and sixty 5 days, your score will in all risk be nearer to 6 hundred. despite if it's going to be costly as far as interest, there are a pair of nationally popular finance companies that would entertain you as long as you're paying off your previous costs with the indoors maximum loan. call and ask them and that they could be waiting to tell you no count if or no longer they do severe threat loans. clarify your challenge yet do no longer grant any own documents (SS quantity, and so on) till they recommend they may well be waiting to assist. important issues to contemplate: -do no longer prepare at greater advantageous than 3 companies, and complete all the needs interior 2 weeks. maximum finance companies will evaluate this "procuring" and as a unmarried credit record transaction. -The own loan could be used to pay off your latest debt. The finance companies are nevertheless going to be fantastically worried approximately including on your debt load, so do no longer pass in there assuming which you will get further funds. -Do an common examine to easily ensure you may guard the greater debt... a million) upload all your month-to-month costs jointly different than your lease or own loan. additionally, do no longer upload interior the debt you intend to pay off; 2) the total of your costs shouldn't exceed 30% of your complete income till now taxes... so, in case you have a gross income of $one thousand.00 consistent with month your costs shouldn't entire greater advantageous than $3 hundred.00 consistent with month till now you pay your lease.

Answer 6

since you have a bad credit score you really need to check around for interest rates because they will be high since credit

Answer 7

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