I am a college student with a high past due bill. I can’t go back until it’s paid. Just wondering if anyone knows of a program or loans for people with very bad credit.
Usually student loans are very lax on requirements. I have very bad credit and had no issues getting loans w/o a co-signer. Mine are through wachovia.
Where she attends the financial aid office is worthless. She has bad credit and NOBODY to cosign for her. What a waste off all her time if she can’t find financial help. School is telling her she’s out of loan money and grant money so she absolutely needs help. Anyone know where she can get loans with bad credit and no co signer for school?
She can always take a year off, work, pay down her debts and save… Are those last 8 credits available in online classes?
Your question was drawing the "Advance Fee Loan Fraud" scammers, so here are some tips for determining whether a loan is legitimate or a scam:
1) They don’t use a free email address (yahoo, gmail, hotmail, live, etc)
2) They have a secure website you can go to to fill out their application (this isn’t 100% … do a search with the company + fraud and also + scam… and check the BBB)
3) They don’t require ANY fees upfront. Any fees will come out of proceeds of the loan (scammers want their fees via Western Union or Moneygram)
4) They have a REAL address you can send mail to
5) They have a REAL phone number, not a cel phone
6) Look at their profile – created in the last 48 hours. Why? Because they get reported for this answers and yahoo deletes the accounts, so they just open a new one and send again until they are deleted once more!
I am in a bind for money and was wondering if there is any LEGIT company that offers loans for bad credit? I am looking for 7-9 thousand but have found a lot of scams with "lenders" asking for money up front. I don’t have a ton of credit card debt, but I also need to make auto and house repairs and pay on some medical bills. Can anybody help?
www.CashCall.com
They don’t look at your credit, nor do they require upfront payment.
I am looking to get a personal loan but I know that I have bad credit. Does anyone know of any place that I will definitely be able to get a personal loan even with bad credit?
I have heard cashcall gives personal loans to just about anyone. It is not a pay day loan, and is paid back over time, but the rates are outrageous. Somewhere between 50-99%. A friend of mine had a loan through them for around 2500 and ended up paying back $9000 by the time it was paid off.
Are there companies out there who help people who have had bad credit in the past get personal loans in Australia?
Such as Ex-Bankrupts and/or paid and unpaid defaults?
There are more that a few lenders who specialize in credit cards for people with bad credit. You just have to look a little harder than most people have to.
And getting a card after you’ve had a few problems doesn’t necessarily mean that you have a higher than normal rate. Like I said, you’ll just have to compare between credit lines, yearly fees, and interest percentages. Just make sure you do your homework BEFORE you commit, and you’ll be fine.
You can find some offers for credit cards, both secured and unsecured here:
http://www.axalda.info/bad-credit-cards.html
My credit is shot with credit cardsbut i would like to get a loan of @ least 2,500.00 im sure i will need a co-signer but i knw for a fact i could use my mother as a cosigner she does not have perfect credit but she does get approved from different companies like citifinancial but they denied me of a loan. I just need to know some places to look to get a loan w/ orw/out a cosigner.Please help!
if you are looking for the best and fastest loan website, check out this site
http://Best-Payday-Loans-USA.com/
Here you can get the best rates available for you.
I am in need of a a loan. I know the rate will be high. Banks such as american general, wells fargo and citi will not lend me anything. not because of recent bad credit, but due to old bad credit. I only have 2 accounts with history over 12 months and the rest are all new 5 months or less. I need to only borrow around 5000. any help with this would be great. my score is low but like i said its not due to recent bad credit other than a judgement from 98 that showed up back in January. I have paid most of my collections off as well and still cannot seem to get help.
The company I’m most familiar with that helps people with bad credit obtain loans is:
http://www.mortgageous.com/noriskcredit
It sounds like you would be a good candidate for a line of credit. Even with your low credit score, they should be able to set you up with a $5,000 line of credit you can draw upon for any reason. They will explain the options to you, and help you figure out the best solution for your situation.
Iam in debt and want to pay it off. I am debating on filing for bankruptcy or possibly getting a loan for bad credit so i can pay off my credit. Are there any finanical institution that is legitamite and isn’t a scam that can possibly loan me a loan ?
Well If you have money problem and u want loan. some days before my friend having very bad financial crises so while he was searching on Internet for Bad credit loan he found a site which contain link for Geniune lender for Bad credit Loan. He checked all 8 links in that each link offer different interest rate and repayment time.
My Friend got loan of 25000$ for 15 years on 3% interest rate which should be payed annually.
Well you go to
Dixiloan.com
Then Go to "Bad Credit Loan"
Check all 8 links in that in search of lowest interest rates.
Take Care
Bye!
I have bad credit and i’m starting a web business not a big business so only need a small loan?
You may find a tough time getting a loan from financial institutions with poor credit, even from SBA. SBA requires a number of factors to avail of their loans, and one of them is good credit history (see SBA Basic requirements http://www.sba.gov/financing/preparation… )
If you cannot get loans, try to get a loan from your parents, family and friends. If they cannot give you any, use your credit card. Credit card requires no collaterals but are an expensive source of funds.
Otherwise, either downscale your plans and amount of capital needed; or wait until your financial situation improves. From the article "How to Start a Business with Little Cash" http://www.powerhomebiz.com/vol30/nocash.htm here are some tips on how you can start a business and earn more money even if you are short of cash today:
1. Find a business that you can start for little money (e.g. instead of a website that requires extensive programming, start slow such as starting a blog site using free software such as Blogger.com)
2. Consider your time and effort – if you have little cash, you may have to work harder for the money because you will have no resource to outsource or employ others to do certain tasks for you; or you have no money to buy equipment so you can only do certain things the long way
3. Get your creative juices flowing. With no money, the only thing you have is your imagination. Be creative and find ways to get things done
4. Be prepared to do all the work yourself – from doing your business plan, finding financing, writing emails, shipping and handling, marketing or whatever processes your business requires.
5. Be prepared to invite investors – you may need financing help from someone down the road so be prepared to share some of the pie.
For information on where you can possibly get financing, here are some recommended books:
- Financing Your Small Business
- Small Business Financing: How and Where To Get It
- Financing the Small Business: A Complete Guide to Obtaining Bank Loans and All Other Types of Financing
- The SBA Loan Book
- Angel Capital : How to Raise Early-Stage Private Equity Financing
Financing Your Small Business (Barron’s Business Library Series)
Stafford loans are based on income right? If I don’t get any government aid, what is the best loan for me if I have somewhat bad credit. I need something with a low interest rate. My tuition is going to be about 21,000 a year. I am also an undergrad student.
Ace:
No, Stafford loans are not based on income or credit. That’s why the Stafford lending program is such an important part of the financial aid system, and why so many students rely on them.
To become eligible for a Stafford loan, all you need to do is complete the Free Application for Federal Student Aid, better known as the FAFSA. You will only be denied a Stafford loan if:
You are not a "regular" student (as opposed to conditionally enrolled)
You are not working on a degree or certification granted by your school
Your school is not a participant in the federal student aid program
You are not a US citizen, or eligible non-citizen
You are in default on a previous federal student aid loan
You owe an overpayment on previous federal student aid
You were convicted of certain drug offenses that occurred while you were receiving federal student aid.
If none of those things apply to you, you will automatically be offered an opportunity to borrow from the Stafford lending program. The catch is that the Stafford program has annual borrowing limits.
A financial aid dependent freshman can borrow a maximum of $5500 for the entire academic year. Sophomores can borrow $6500, and juniors and seniors can borrow up to $7500.
The Stafford loan has THE lowest interest rate of any educational loan (other than the Perkins, which is only offered to the neediest of financial aid applicants). You’ll pay a 6.8% fixed rate for the entire life of the loan – and you’ll have 10 years to repay. The repayment obligation does not begin until 6 months after you leave school.
The Stafford application asks no questions about your income, your debts or your credit history, and the loan is entirely in your name. There are no questions about your parents, and you will never be asked for a cosigner.
The government offers another lending program that complements the Stafford, the PLUS loan program, but that program is only available to the parents of undergraduates. If your parents are looking for a way to help you with the costs of school, they can borrow up to the full cost of your attendance with a PLUS loan. The PLUS program is different in that it IS a credit-and-income loan – your parents’ application would be subjected to traditional lending analysis, to determine whether they qualify for the loan.
If the Stafford (and possibly the PLUS) is not going to solve your financial need, you have a significant problem. The only other type of loan is the so-called "private" or "alternative" loan – educational loans that are offered by banks outside of the government’s programs. First of all, these loans are almost always far more expensive, with higher interest rates and higher fees, second of all, these loans are all credit-and-income loans, which are only approved for applicants who can satisfy the bank’s conservative lending criteria, and finally, there are a small handful of banks that are still making this kind of loan at the present time. If you go to Chase or Citi or Wells Fargo, it is nearly 100% likely that you will be required to provide a cosigner if you are going to be approved for a "private" educational loan.
I hope this information helped you – good luck!