where can I find a real guaranteed unsecured personal loan for people with bad credit other than citifinancial

Question

I've tried alot of these speedy loans and bad credit loans and citibank and am coming up with nothing. I don't want to have to pay for anymore loanfinders and I've even ran into a scam or two. Somebody please give me some advice. And no payday loans either! Please!

Answer 1

It sounds like your credit is just too poor to qualify for loans. Instead of looking for a loan, you should figure out other ways to come up with cash. Have a garage sale, get a second job.

Make yourself a strict budget and live within your means.

Answer 2

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Answer 3

Today the lenders have started offering nearly all varieties of loans for people with poor credit record.They are also introducing many new loan products meant for this group. Now people with poor credit can get the same choices as those with the good or mediocre credit. Today you can use bad credit personal loans for many purposes like car purchase, vacation or even debt consolidation. But if you have some assets to offer as collateral, your chances brighten. The primary reason why people with poor credit history do not get loans is because the lenders are scared that the borrowers will default again. But if you can offer collateral, your lender is secure in the knowledge that his money is in safe hands. You have to try and meet the repayment schedule, failing which you lose the asset. If you do not have collateral, go for an unsecured personal loan, which is rare for people with bad credit. It is necessary that your credit record should be clean for an unsecured personal loan. However, some lenders can accept your case due to inevitable reasons.

Answer 4

Unfortunately, credit is granted based on ones ability to pay back the loan or the creditors ability to recover the funds should you fail to pay it back willingly. An unsecured loan for anyone who has not established good credit and does not have sufficient net worth or long term income is not likely an option.

If you don't have a car, home, or any assets which you can secure the loan with, you can also consider a 401K Loan.

I would personally suggest that you slow down your lifestyle and put off taking any further loans until you are able to eliminate all of your consumer debt (credit cards, car loans etc.). while effectively building your net worth by investing in assets.

Once you have done all that, you will find it much easier to seek financing and prove your credibility. The irony of the situation is that once you have accomplished this, you won't need the loan anymore making you the ideal person for a business to loan to.

Answer 5

I work with lenders of all sorts across the country. Some of them can even help you. However, before considering whether or not you want to take out another loan, be sure you can actually afford to do so. If your purpose is to consolidate high interest credit cards or other loans, ask yourself if you have the discipline to quit using those credit cards until you get yourself financially stablized. If you do, then you may want to consider a loan. However, if you cannot quit using the credit cards and control your spending, then don't get the loan and find alternative methods of coming up with the money. I guarantee that if you have to work three jobs, you will not have the energy to spend money you can't afford to spend.

Please consider this issue very carefully before deciding whether or not you really want to take out a loan. Sometimes borrowing more money is NOT the right course of action.

If you have any further questions, please feel free to contact me at [e-mail]

Answer 6

Where can I find a real guaranteed unsecured personal loan for people with bad credit other than citifinancial

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Answer 7

you can try prosper.com