Unsecured loans for degens: Western Sky. Easy $1500-10k loans

Brock Landers · 06-02-12, 04:16 PM

short term solution...don't make it a long term problem

topgame85 · 06-02-12, 04:19 PM

Brock how many have you taken out? Nice of them to give you years to pay back right? No immediate pressure. Give me a rubberband play taking out the $2600 loan should have it by Tuesday. I need to join an indian reservation and put out these loans.

Smoke · 06-02-12, 04:22 PM

Those APR's are ridiculous

frogsrangers · 06-02-12, 04:24 PM

Title Loans are worse. I know people who got title loans so they could get rims, or something else that was completely stupid and unnecessary. Lo and behold, these people didn't think it all the way through and don't understand how loans like these work. Then they want to complain that THEY got ripped off? Read the damn contract and fine print. It's your own fault if you sign the dotted line.

These types of loans exist for emergencies, not for some cash advance so you can get your "rims" because you are too impatient to save the money.

Brock Landers · 06-02-12, 04:25 PM

Originally posted by topgame85

Brock how many have you taken out? Nice of them to give you years to pay back right? No immediate pressure. Give me a rubberband play taking out the $2600 loan should have it by Tuesday. I need to join an indian reservation and put out these loans.

never with this outfit

mynameismud · 06-02-12, 04:37 PM

342%...holy fukk shit.

topgame85 · 06-02-12, 04:40 PM

Originally posted by frogsrangers

Title Loans are worse. I know people who got title loans so they could get rims, or something else that was completely stupid and unnecessary. Lo and behold, these people didn't think it all the way through and don't understand how loans like these work. Then they want to complain that THEY got ripped off? Read the damn contract and fine print. It's your own fault if you sign the dotted line.

These types of loans exist for emergencies, not for some cash advance so you can get your "rims" because you are too impatient to save the money.

Wow that is fcking rough. Can't even imagine.... could have probably bought a nice ass car with rims already on it for the cost of the payments.

neverstoppers23 · 06-02-12, 04:49 PM

yes payday loans are legalized loan sharking. you open one in an untapped poor 'hood and you got a gold mine. its sad.

jkilla990 · 06-02-12, 04:53 PM

what do they do if you dont pay back?

UntilTheNDofTimE · 06-02-12, 04:55 PM

I thought all of these were email marketing scams anyways. About 5 years ago i was in a tight spot needed $500. I didn't have a checkbook(only a DC) so going directly to check into cash wasn't a option. I applied online to a few places and from what i understood these websites are brokers for other websites. So i applied at one place and it sent your application like 5,000 other loaners. Needless to say i received like 2,000 email in a 2 minute time frame and every site looked sketchy ad shit. I never did go through with a online loan. Are any of them actually legit.

As for the high interest rates....they need to offer some of these because they know the type of people that go for these loans. Most wont pay them back. To go for this type of loan you need 1)To have your checkings and savings tapped out 2) all ************ tapped out 3) not be able to use check cashing cause you probably dont have a checking/savings account from screwing over the banks. 4) so you rely on 100% interest loans.

hels · 06-02-12, 04:58 PM

Originally posted by jkilla990

what do they do if you dont pay back?

tomahawks start flying.

Br0nxer · 06-02-12, 05:00 PM

iwinyourmoney did a video calling this place

must of removed it.

was funny as hell

UntilTheNDofTimE · 06-02-12, 05:02 PM

850 loan. 350 fee. 342% interest.

Sam Odom · 06-02-12, 05:02 PM

fuking Mob isnt that bad

neverstoppers23 · 06-02-12, 05:04 PM

Originally posted by UntilTheNDofTimE

I thought all of these were email marketing scams anyways. About 5 years ago i was in a tight spot needed $500. I didn't have a checkbook(only a DC) so going directly to check into cash wasn't a option. I applied online to a few places and from what i understood these websites are brokers for other websites. So i applied at one place and it sent your application like 5,000 other loaners. Needless to say i received like 2,000 email in a 2 minute time frame and every site looked sketchy ad shit. I never did go through with a online loan. Are any of them actually legit.

As for the high interest rates....they need to offer some of these because they know the type of people that go for these loans. Most wont pay them back. To go for this type of loan you need 1)To have your checkings and savings tapped out 2) all ************ tapped out 3) not be able to use check cashing cause you probably dont have a checking/savings account from screwing over the banks. 4) so you rely on 100% interest loans.

damn dude.
why didnt you go to a credit union.
i was 20 and i even got a 1500 dollar loan for an adjustible frame i needed for a bed, no co-signer. 12.5 interest. 12 months to pay off.
so 133 a month basically.
i had a credit score of around 640 though, i made sure to get credit right after i turned 18 to start building it up. one of the most important things you need in life is a good credit score.

UntilTheNDofTimE · 06-02-12, 05:05 PM

$743 a month for 10k :lol:

frogsrangers · 06-02-12, 05:07 PM

Originally posted by jkilla990

what do they do if you dont pay back?

Title Loans take your car,

I'd imagine the indian lenders though like Western Sky probably attach liens to your bank account through a court order or garnish your wages. They say in the commercials you must have a checking account so I imagine it has something to do with that.

A fool and their money are soon parted.

Br0nxer · 06-02-12, 05:09 PM

Originally posted by UntilTheNDofTimE

$743 a month for 10k :lol:

for 80 months

60k payback for 10k

if brokedikk fukk apricot sinner only had a bank account

UntilTheNDofTimE · 06-02-12, 05:10 PM

Originally posted by neverstoppers23

damn dude.
why didnt you go to a credit union.
i was 20 and i even got a 1500 dollar loan for an adjustible frame i needed for a bed, no co-signer. 12.5 interest. 12 months to pay off.
so 133 a month basically.
i had a credit score of around 640 though, i made sure to get credit right after i turned 18 to start building it up. one of the most important things you need in life is a good credit score.

Yea my score is 720+. I needed the cash to pay a overdraft fee so a CU wasnt a option. Again this was years ago when i was young and dumb. Amazing though that companies like western sky can charge fees fod $350 and 342% interest. It is owned by a indian tribe i believe. Probably why.

frogsrangers · 06-02-12, 05:11 PM

Originally posted by UntilTheNDofTimE

As for the high interest rates....they need to offer some of these because they know the type of people that go for these loans. Most wont pay them back. To go for this type of loan you need 1)To have your checkings and savings tapped out 2) all ************ tapped out 3) not be able to use check cashing cause you probably dont have a checking/savings account from screwing over the banks. 4) so you rely on 100% interest loans.

Bingo, like I said the people looking for these types of loans are the ones for example looking to use the loaned money for useless junk like rims. Drive through any ghetto neighboorhood or low income area and the amount of title loan joints increase exponentially. They prey on the dumb, and that's how they make their money. They don't make any money on people who pay back the loan on time, they make their money on the people who can't pay it back or pay the minimum balance each month.

topgame85 · 06-02-12, 05:26 PM

Owned by one member of a tribe in SD according to the website. You also have to agree to be bound by the rules of the indian tribe court and forfeit all rights to take action in state or federal courts. Not sure if they could actually enforce that and God knows what crazy rules the Indian courts have for non payment of debt. Maybe bury you up to your shoulders in the ground or something crazy like an old western movie.

topgame85 · 06-02-12, 05:28 PM

Even if you take 10k and pay back in one month basically cost you $800 extra.

PAULYPOKER · 06-02-12, 05:41 PM

Beat them at their own game,take the loan and then tell em to go fukk themselves..........

Dirty Sanchez · 06-02-12, 06:14 PM

Originally posted by Brock Landers

short term solution...don't make it a long term problem

Good Lord....when Brock starts giving financial advice that is actually good the Apocalypse can't be far off

Loan Product	Borrower Proceeds	Loan Fee	APR	Number of Payments	Payment Amount
$10,000 Loan	$9,925	$75	89.68%	84	$743.49
$5,075 Loan	$5,000	$75	116.73%	84	$486.58
$2,600 Loan	$2,525	$75	139.22%	47	$294.46
$1,500 Loan	$1,000	$500	234.25%	24	$198.19
$850 Loan	$500	$350	342.86%	12	$150.72