Bad Credit Loan with No Co-Signer?

Question

How can I get one? Please help. I want to use it to settle all my debt!

I cant get a second job, I'm in school!

Answer 1

i honestly don't know any legitimate places that give bad credit loans
i have bad credit and can't afford to pay it off with just what i make, and take care of 2 kids at the same time, all these people on this site are very rude when you ask questions like this, they don't understand that some people are actually trying to get back on their feet, and a loan would help by paying off the bad and establishing new credit-and good, at the same time, and when you get the loan you would only have one payment instead of however many you would have if you did not get the loan to pay off the debt

try all your local banks is all i can think off, don't do anything over the internet for loans, they mostly are scams
it won't hurt to check around the banks in town, all they can say is no, or even yes

Answer 2

you are caught in a bad spot First off the days of a co signer are just about gone. The banks would rather the other person buy the car and let you use it. Your only solution, is a cheep car you can pay cash for or a buy here pay here company. Places like JD byrider are most every where. Most will charge you the maximum interest rate alowed by law in that state. In NY its 24.99%. If you do have to go that route make sure you get a deal with no prepayment penality and work on gettiing your credit restored as soon as possible. Then apply for a regular loan at at bank and see if you can pay off the first loan off to lower your interest rate. No only do buy here pay here places charge high interest they charge a ton of money for the car. I have seen some people wind up paying, with interest and all, over 15,000 for a 2500 car. I would almost rather see you borrow money from a relitive and offer them interest and pay cash for the car. Even if 20 people had to lend you 100 each. Its sad but I have seen it time and time again as rent prices go up and people get squeezed. Pay increase has not stayed in pace with the increase in housing costs in most places.

Answer 3

Don't make the problem worse by creating more debt with a new loan. Work to pay off your current debt, little by little, with a good budget. Also, at the same time, you should get the best deal for your money. In other words, work out an arrangement with your current creditors to delete all bad credit once paid in full. DO NOT SETTLE IN FULL, it will not help your credit in the future. While my over all suggestion requires time, effort and a strict budget, it will be very rewarding in the future, both financially and with your credit report. I do this for a living. If you have additional questions, please do not hesitate to contact me.

Answer 4

Instead of shifting your debt to yet another loan, pay it off.

First, make yourself a strict budget. Eliminate all the extras -- cell phone, eating out, new clothes, ect. Put every penny you can squeeze out of the budget on your highest interest rate debt, while paying minimum on the rest. When the highest is paid off, move to the next till they are all paid.

Create extra income to put on your debt with a second job, a garage sale, collect aluminum cans, etc.

It will take you 2 ot 3 years to pay off all your debt but you will be building a good credit history.

Answer 5

Almost sure that you will find every financial solution at= financial-care.info-

RE Bad Credit Loan with No Co-Signer?

How can I get one? Please help. I want to use it to settle all my debt!

Answer 6

Many lenders, banks in particular, deal in any sort of secured loan other than second mortgages. Other institutions deal almost exclusively in secured loans. Finance companies that deal in secured loans can be found in your phone book, newspaper, and increasingly, online.Shopand can get a good idea of what each can offer you in terms of interest and other finance charges and fees. Choose the best one for your needs, and apply for the loan.

Answer 7

get a second job and pay down your credit - lock up the credit cards and don't use them.

Answer 8

you may wanna try asking your parents for help...

>Beware of Advance fee Loan scams.
ALL so called "Private Lenders" who ask for fees upfront are scammers...
my Advice: Don't deal with anyone from a foreign country and never use wire/bank transfer services.. you risk losing your $$ and your mind.

Answer 9

try credit repair