Posts Tagged ‘Personal Loan’

Personal Loans, is it alright?

Sunday, December 25th, 2011

Me and my husband and little baby girl are moving into a rental house long term (2+ years) until we relocate for my husband to attend Georgia Tech. We really need some help getting the initial process of furnishing our home with its’ utilities and furnishings since this will be the largest move we have made and only 1 out of 3. We were considering a small personal loan of about 1000 dollars to give us a boost, but the issue is that we, being young, do not have as much credit as we might like. We have some, but it isn’t amazing (me at 629 and him probably a bit higher, like 650-670, not sure about him though.) His job does not compensate him largely, he makes 8.50 an hour and works full time. He is the only one with a credit card, which is secured. Due to our lack of credit history and personal finances, is it possible that we could qualify for a small personal loan? What are some suggested loan agencies to look at? What are some to beware of? Will being denied affect our credit score adversely? Any information that you can give us to help is greatly appreciated. Thanks.
My husband made a 28 on his act, graduated in the top of his class, and aspires to be an Aerospace engineer. While he has not been accepted yet, there is no doubt in my mind that he wouldn’t have a chance. If he doesn’t get accepted there, then something is wrong, lol. He’s in a community college with me right now (more affordable), but he never ceases to impress his professors and doesn’t make grades less than a high B EVER :) That’s just where he wants to go and I said it because it is our plan.

i need help getting a loan?

Wednesday, November 2nd, 2011

i need 00 for a vehicle credit is around 620+ i needs to be a personal loan not a payday advance can anyone help me

What are my chances of getting approved for personal loan?

Tuesday, September 20th, 2011

I want to obtain a ,000 loan to start my business. I don’t’ care if it’s a business loan or personal loan, though I heard personal loans are easier to secure. I will be using 50% of the loan for renting office space and the other 50% is being used for supplies and employee salary for the first 6 months of operation. I am 22 years old and have little assets.

Only few things I have going for me is 00 cash reserves, enough for 20% down payment, and a car worth 00 for collateral. FICO score is 710 and credit history is only revolving for 4 years, again I am 22 years old. Also I have a well written and researched business plan.

I know I should shop around but which banks have a higher approval rating than others? Should I ask my local federal credit union first before attempting conventional banks? Should I think about an unsecured loan rather than a secured loan? Are the things I listed earlier enough for me to secure a loan?

Can you use a personal loan to buy a motorcycle and use the motorcyle title as collateral?

Tuesday, September 13th, 2011

Ok so I don’t have the best credit and I’m 22. I had 2 credit cards I missed payments on a year ago but since i paid them off through a settlement. I have 00 in student loans and that is the only thing I owe to my name, and I haven’t missed a payment on them the 10 months iv been paying them. Iv been with my bank 12 years and lived at the same address 22 years. I make 00 a month but have only been working at my current job a month.

I’m looking for a 00 loan for a used motorcycle being sold by a private party but I don’t think I would qualify for an autoloan.

But I was wondering if I put 00 down and also give them the title to use as collateral? Would that help my chances of getting accepted? Where would be the best place to go to try this? And most importantly can I use the motorcycle title as collateral on an unsecured or personal loan?

Wouldn’t 00 down and the motorcycle title be enough for them to lend only 00 to just about anyone? I don’t even think my credit is horrific, I just don’t know if it would be considered bad credit.

Then I assume I will have to have full insurance on the bike if the bank can use the title as collateral on the personal loan?

I don’t have a co signer by the way.

Thanks so much to anybody that answers

Around 2 to 3 years ago I took out a personal loan for $3000 and a construction loan on a home and land?

Monday, September 12th, 2011

to remodel, ended up I divorced and couldn’t afford to pay the amounts, the personal loan was unsecured and they foreclosed on the home and stated that I had a ,000 hit on my credit and that was the end of the story according to the bank, but now I live in a different state and want to go visit relatives back there but I am worried that they have a warrant out for my arrest for some reason relating to my previous situation, also my ex says that they will arrest me, any truth or any advice to this?

Can I get an auto loan on a vehicle I already own?

Monday, September 12th, 2011

Two years ago, and straight out of college, I bought a used car privately (from an acquaintance, without going through a dealer). I needed the cash quick to make the deal, so I took out a "personal loan", unsecured. This means I hold the title to the car (which I wouldn’t have if I’d gotten an auto loan), but the bad news is that I pay exorbitant interest rates on this loan, since the car wasn’t recognized as collateral.

Is there any way to "go back" and refinance the personal loan at least in part as an auto loan? In other words, can I put the car up for collateral in order to get a better interest rate?
I have pretty good credit (around 750) and have never missed a payment. I just don’t want to have paid twice the loan amount in interest by the time I’m done.

Personal Loan – Installment Loan?

Sunday, September 11th, 2011

Hello, I was looking around for a personal loan however I would like to get a installment loan. I got already quite a few offers but they are all unsecured credit lines which is equal to a credit card. Is there a way to get an unsecured Personal Installment Loan ?
Any help is appreciated.

Does anyone have any suggestions for personal loans, unsecured or secured, for people with bad credit?

Thursday, September 8th, 2011

I need to put my car in the shop for repairs today but can’t seem to find any legit places to get a personal loan with a bad credit history. The previous entries from others containing similar questions all have bad links from suggested websites.

Also, I’m sick of these payday advance websites. Although I have used them before, the last time I applied for one, it was a scam. It seems like every site I search and come across now is for a payday advance.

I just need to get emergency cash and rebuild my credit at the same time. I have no family or friends that are able to help. Does anyone have any ideas for obtaining emergency cash with a quick turn-around of funds?

What do you think of this loan?

Thursday, September 8th, 2011

Hi there. I have no credit (well I have a secured credit card), anyway I need to get a car as mine is certainly about to break down for good. Normally I would prefer to save money and get a car, but due to other reasons my savings have been depleted and I am now resorted to buysing a car using credit.

My credit union would give me a loan without a co-signer, but i have none! So I went onto and one I got was citifinancial that offered me a personal loan (unsecured) up to 00 but at 28% interest.
That is high, but my plan is to aggresively pay it off within 6 months, and I am strong willed enough to do so.
So should I get this loan or are there any other places that I can look for financing? Thank you

I applied for a loan from Horizon North Loan Services. They want me to pay a fee now. IS this a scam?

Wednesday, September 7th, 2011

I am wondering if anyone has heard of this company and if this is a common practice to pay a fee and then get the loan. The loan is for 15,000 and they want me to pay 1,500 as sort of a down payment because of my bad credit. Has anyone heard of them? They have a website and it is This is a personal loan that is unsecured. The company is out of Colorado. I would like to know more information about them before I give them my money. Also does anyone know of any other loan programs out there for people with bad credit without a lot of red tape.

Would this work for selling my home?

Wednesday, September 7th, 2011

Sell home, and once offer is made and accepted get an unsecured loan for the remaining balance of what wouldn’t cover my 2nd mortgage. Pay that before the house closes, then after the sale is final, the 1st and second mortgage will be paid in full and I will just be left with the balance of the personal loan.
No, I’m not high – our bank already told us they could get us the ,000 that we need in an unsecured loan. It’s just a higher interest rate and for a shorter term.

How to get a loan with no credit or cosigner?!?

Sunday, September 4th, 2011

I need to get a loan for a car thats about 10,000 i want to trade in my car for 1000 for a down payment and then use the loan but i am young so is there a way i can take out a loan with NO credit. And they wont let me use the cosigner i had so its all on me? HELP!
maybe a personal loan? can i do that?

Regarding chances of getting personal loan?

Sunday, September 4th, 2011

I am in need of a personal loan of around 00-3000. I have a really bad credit. My credit score is around 580-590. I have a job from last one year. My last year W2 shows 28,000 from june 08 to the end. I dont have my recent pay stubs but I can get a letter from my employer stating what was needed. Can any one tell me which bank can give me a personal unsecured loan? Does anyone have idea about pnc bank? Some say that they give personal loans for bad credit.


Sunday, September 4th, 2011

What would be an easy loan to get for about 4,000 for most people with a credit score of over a 650. Also an unsecured loan?


Could I get a loan?

Thursday, September 1st, 2011

I want to get a loan for a motorcycle. I have a job and get paid around 400 every 2 weeks. I need about a 4,00 personal loan for a used honda cbr 1000. I havent had the job long at all. like a few weeks. And i dont have any credit. So I was thinking maybe a secured loan if not an unsecured loan?

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