im looking for a personal loan ASAP . But the problem is that i have bad credit and no collertal im just looking for a 2nd chance to get everything back in order and am not in a postion to save right now to make it better . so if anyone can offer any advice to help me get a loan plese tell me thanks in advance :)
2007-10-04 07:22:19 · 20 answers · asked by mom05 1 in Business & Finance ➔ Personal Finance
I hate to be the bearer of bad news, but if you are taking out a loan to get yourself back in order, you are already starting off on the wrong foot.
The last thing you need at this point in your life is more debt.
If you are truly ready to change your life, visit www.daveramsey.com, and follow his advise!
2007-10-04 07:34:16 · answer #1 · answered by j c 4 · 0⤊ 0⤋
There are many ins and outs that are good to know. First, you can try a payday cash advance to help with immediate things. You can go to any check cashing or advance place and they can give you info. When you pay them back usually it about $30 or a little more, depending where you go. They don't check credit either. another thing is welfare if you qualify. Third, if you own your own home you can try to refinance if you have equity. Countrywide has great refinance program right now with no fees. Fourth if you are going to school, Im sure you can qualify for grants, even if you are enrolled, but don't attend all the time you can get grants which is free money. As far as personal loans there aren't many places where you can do that. The only type of loan I can think of would be a credit card, but you said you don't have good credit. You can try asking someone you know who is successful and explain your situation and ask them to "invest in you" or maybe a business you want to start up. Another thing would be to check out government websites which sometimes have loans and grants to give away, but i don't know how succesfull that is. Goodluck.
2007-10-04 07:32:21 · answer #2 · answered by Angela M 2 · 0⤊ 0⤋
Have you really tried all your options? Is there someone in your family you could borrow the money from and sign a promissary note to show you will pay the money back in a timely order. Where have you tried to get loans from? Have you tried your local credit union? The credit union I work at really works with people with bad credit, and tries to find someway to help them out. Try a few different places, not just your regular financial institution. And while you are doing this, be very conscious of what you spend your money on. Do you smoke? Go out the eat a lot? Buy your kids or yourself a lot of junky fast food? All these things are part of your problem and when you are this desperate you need to really start making drastic changes. If your credit is that horrible, my only suggestion would be bankruptcy. I'm sorry to hear you are in this situation, but just try your best!
2007-10-04 11:46:05 · answer #3 · answered by Kristin 3 · 0⤊ 0⤋
At this point in your life you are better to do without and work on paying the bills that you have in a timely manner. By paying your rent and utilities on time you can start repairing your credit. Contact any creditors that you are past due with and make arrangements to make monthly payments to them in the same amount each month and then do so, this helps repair your credit. Only by showing your creditors that you pay the same amount in a timely manner over long periods of time 2 to 3 years or more, can you repair your credit. Taking out another loan is not the solution to your problem. If you drink or smoke take the money you are spending their and put it toward your bills. Pack a bag lunch, home meals, stay home on the weekend. In general make a list of what you're spending your money on and figure out what is the bare minimum you need to survive. Perhaps getting rid of the second car or finding less expensive living quarters. You must find where your pocketbook is bleeding in order to turn your life around. Donate your time to habitats for humanities or any other charitable group and you can have fun on the weekends without great expense to yourself and the worth you will feel from helping others will be priceless.
2007-10-04 07:47:47 · answer #4 · answered by puppets48744 4 · 0⤊ 0⤋
well, I have always used First Response and it has been acurate. If you had sex 24 days ago and just tested recently then there is probably a good chance you are not pregnant. But, it is deffinatly still a possibility. If it were me, I would take another test in about a week. If you still haven't gotten your period in 2-3 weeks I would seriously consider going and talking to my parents and/or someone who would be in a position to help you out. Get that person to drive you to the doctors or a parenthood center to get a blood test done. I know that you are probably scared/nervous/worried...and everything else that comes along with it but it will be very important for you to see a Dr. if you are indeed pregnant. Also, if this whole thing is a big negative and you end up not pregnant, you should seriously talk to the doctor anyways about being on birth control of some kind. Good luck, and I hope everything works out for you : ) and I realise you are probably frustrated with some less than helpfull answers, but ALOT of people feel very strongly about teen pregnancy. Just make sure that if you are pregnant you think about what is best for you and your situation as well as the baby. again good luck : )
2016-05-20 23:41:36 · answer #5 · answered by ? 3 · 0⤊ 0⤋
I think you have your answer, perhaps no one can help you since there is no magic pill to turn things around for you instantly. Rebuilding your credit will take time. Instead of getting a loan, what do you have to sell to raise cash? Have you examined what you think you need the cash for and made the cheapest choice? Is this a medical emergency or you just want the latest big screen HDTV? Payday lenders will hurt you more than help you (can you say 1000% interest in some cases?) . If you have a job, you may be able to get a loan at a credit union if you switch to direct deposit so they can see you have steady income and they will get repaid. Finally, we all hate to do it but sometimes family is the only ones we can turn to. borrowing from friends is the easiest way to make new enemies.
You may not view this as helpful but it is honest.
2007-10-04 07:33:50 · answer #6 · answered by Huba 6 · 0⤊ 0⤋
The problem is your history. It is hard to get any kind of loan from anyone without it. You can try the payday loan places, but that can be an awful circle. Most of the charge 300-900%. If you fail with them, you will be sent to collections for the amount owed plus all kinds of fees. If you think that you can follow thru, try a small loan first.
2007-10-04 07:26:44 · answer #7 · answered by T 5 · 0⤊ 0⤋
Hi, what kind of loan are you looking for? Credit card, car, home, mortgage, etc. You need to prove 2 years of employment and probably some bank statements. After that your credit must be ran to determine your rate. If you credit score is awful (under 600), NOT uncommon, you may take out a credit card with a 3-500 balance and make small payments for at least 60 days. Your credit will improve in that time!!!!
2007-10-04 07:25:59 · answer #8 · answered by Bean 2 · 0⤊ 1⤋
There are a lot of creditors out there that offer to help you rebuild your credit. They usually never offer a credit line more than what you can pay back in one paycheck and they charge an exuberant rate for interest.
I wish you a lot of luck but I think you need to ask someone you know, like family or personal friends for help, and pay them back quickly. You might have already tried this and had no luck. If you have, I'm sorry for mentioning it. You can try those rebuild your credit credit card applications but the only way it's going to work for you is if you pay it off every month.
Good luck
Money troubles are tough problems to work out.
2007-10-04 07:29:53 · answer #9 · answered by Anonymous · 0⤊ 0⤋
The only "loan" you will qualify will be at such a high interest rate that you will be setting yourself up for failure. Loans are given based on the percentage of what you make compared to the percentage of what you spend. The "loans" which you may qualify for will also undoubtedly have huge fees, which they make darn sure to collect before they even cut you your check.
2007-10-04 07:27:40 · answer #10 · answered by Honeyface 5 · 0⤊ 0⤋