Personal Loan Questions?

[Sledge187]

So SBR came to my rescue yesterday after I posted the Craigslist ad scam and now I need some more help. Any idea where soembody with bad credit like myself can get a personal loan? In the process of fixing my credit now but it takes a little time. I tried to tap into my equity but I can't even do that since I have bad credit, lol The loan I'm looking for is $20K to pay off my bills. Please enjoy this picture of Bud Bundy.

[dodger33]

You might have better luck if you had a picture of a hot half naked girl.

[DwightShrute]

wow

[The Seer]

Ask the poster picantel. That's his expertise if I remember correctly.

[Sledge187]

You might have better luck if you had a picture of a hot half naked girl.

[Pecos Bill]

broke ass bitch

[whatsgood5]

I kinda wish I didn't see that...

[UntilTheNDofTimE]

20k? Banks are very tight these days if you have bad credit you will need a tier 1 co-signer

[THE PROFIT]

crew here in little chicago could help but they dont exactly report your payments to the credit bureau.

[wtf]

contact jj, he provides credit to most posters

[UntilTheNDofTimE]

contact jj, he provides credit to most posters

for what 300 bucks? hes made video flashing around 180 worth of 20's like hes bigtime

[wtf]

for what 300 bucks? hes made video flashing around 180 worth of 20's like hes bigtime

can you please tell me something

did patty pay you, yes or no?

he claimed in numerous threads he did pay you

[DwightShrute]

sell a kidney

[big joe 1212]

buy life insurance on someone and then whack 'em! No loan necessary!

[dodger33]

I got an email yesterday from this dude named Akbar in Africa. He said he had 30 million of unclaimed money and all he needs is your bank account info so he can transfer you the cash. Sounds pretty legit let me know if you want his email.

[Sledge187]

20k? Banks are very tight these days if you have bad credit you will need a tier 1 co-signer

This worked. Went through a bank to get the job done.

[UntilTheNDofTimE]

This worked. Went through a bank to get the job done.

No problem, worked with people in financing before and have refinanced loans for 3 vehicles in the last 3 years. ( you get better deals if you finance through the dealership, then you go to a CU a month later and get a better interest rate.)

[yomillionaire]

I was gonna suggest a peer to peer loan. Lending club or prosper. I invest in these and they are pretty legit. Got a few $100 bonus cash if someone wants to deposit btw. You can get a solid loan with no cosigner too, I see rates from low 8% all the way to 21% depending on credit and amount borrowed.

[UntilTheNDofTimE]

20k is a pretty big personal loan though. Was your cosigner very wealthy? About 2 years ago when i wasnt too good financially and was looking to purchase a new car; i was asking my mom to apply for a 10k personal loan at Bank Of America(8%) vs the 10% id be paying to finance a older vehicle(2002). She has decent credit but got declined on the loan( provided she had over 50k in her savings account there). With this economy im very surprised you even got approved. I told you what u needed to do to get the loan at a bank but didnt think ti wud even come close to getting approved.

[Sledge187]

I was gonna suggest a peer to peer loan. Lending club or prosper. I invest in these and they are pretty legit. Got a few $100 bonus cash if someone wants to deposit btw. You can get a solid loan with no cosigner too, I see rates from low 8% all the way to 21% depending on credit and amount borrowed.

I was going to try these two sites but they require good credit which I don't have. I signed up at wikiloans but there is not alot of traffic at that site.

20k is a pretty big personal loan though. Was your cosigner very wealthy? About 2 years ago when i wasnt too good financially and was looking to purchase a new car; i was asking my mom to apply for a 10k personal loan at Bank Of America(8%) vs the 10% id be paying to finance a older vehicle(2002). She has decent credit but got declined on the loan( provided she had over 50k in her savings account there). With this economy im very surprised you even got approved. I told you what u needed to do to get the loan at a bank but didnt think ti wud even come close to getting approved.

My cosigner makes decent money but is not rich by any means. The bank we did the loan through had a long relationship with her. BTW I only got $12K which was fine for me but still need another $8K to finish off the rest of my credit cards. I can't believe banks are so tight right now. The economy is going to stay flat for a while because nobody can get approved for anything.

[GELATINOUS CUBE]

borrow money to pay bills?

Just change your name to tree man or something.

[Capn Morgan]

borrow money to pay bills?

Just change your name to tree man or something.

i dont know alot about this but i mean if you owe on credit cards the interest is just crazy, its a great idea to get a loan and pay that back at a much more reasonable interest rate i would think

[THE PROFIT]

will you please click this & have an avatar?

[DwightShrute]

I would have just given you the money but because you posted a pic of Bud Bundy I cannot solely based on principal

[Boner_18]

try the p2p lending sites like lendingclub etc.

[TheAccountant]

There are legitimate companies that will negotiate your credit card debt, and can offer you a lower rate on a lower balance. Watch the terms closely however - half these companies are scams themselves, and one missed/late and you will find yourself in even more debt. You are often penalized for early payments as well.

For the $8K remaining - consider transferring your balance to a new card with a low introductory rate. Many companies will offer you three or six months at a low introductory rate if you transfer your whole balance to their card. I don't know how damaged your credit is - obviously the worse it is, the less likely you will have such offers.

Sounds like your off to the right start though - paying off credit cards through bank loans can offer you a much better rate and chance at eventually breaking free of credit card debt.