| How to get a personal loan—need help?

How to get a personal loan—need help?

marigold asked:

I’m only in my mid 20s but am in debt up to my eyeballs. In all honesty, if I had $5000 I’d be able to pay off everything except for my student loans. I have bad credit but have a steady, well paying job. I’ve recently paid off all of my medical bills and have a cell phone contract that’s always paid on time, as well as a Target card, so I’m hoping that will count for something. What’s the best way to go about getting a loan? I’ve visited the webpage for some local pages and and all they say is to come in and visit with a loan officer. What will I need to take with me when I go to meet with him or her? There is no one to co-sign for me. Also, what are my chances of qualifying and if I do, how quickly could I conceivably have the money? How does one even know the best bank to apply at? There are so many…I’m desperate, I’m losing sleep over this and everything.
HELP!
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Comments

4 Responses to “How to get a personal loan—need help?”

  1. jubda on April 10th, 2009 3:14 pm

    Dont worry $5000 is not a big amount to pay off. Any bank will be able to loan you this or they can consolidate all your loans to a single loan.

    For better chances and lower interest rates, go to a credit union.

    I’ve known people with over $250,000 in debts (not including home and car). So you’ve nothing to lose sleep over.

  2. umdanddvd on April 12th, 2009 5:31 pm

    okay here is what you need to do
    click on my profile use the bad credit link i have there
    here is some text straight from their site
    “We have over 80 Little-known Banks & Companies that offer Bad Credit Loans, Bad Credit Home Loans, Bad Credit Auto Loans, and Bad Credit Personal loans to people with Bad Credit or even a Bankruptcy. Many require absolutely NO COLLATERAL & NO CO-SIGNERS. Home ownership is not required.”

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  4. cyko0721 on April 14th, 2009 6:57 pm

    Try this website. My friend got a loan from there. Its like the ebay of loans.
    Prosper.com