where can i get a bad credit personal installment loan, 24 month payment.  needed to payoff and catch up with bills. with this loan to payoff/catch up, things would be soooo much better.  would have extra to make payment on loan, and have enough left over to actually buy groceries. haha\njust bought a house 6 months ago, need to relieve some of the stress with other bills, buying a house doubled the rent we paid, but having a house of our own means a lot.  just want to be able to breath again, have extra cash,  where can we get a loan??
199544
Well, first off, a "short term" loan is generally less than 12 months, so what you want would not be characterized as short terms by any lender.\nSecondly, if you obtained a mortgage, I'm going to assume that your credit wasn't all that bad.  Generally, if you have some bad credit and you need cash, the best place to go it to wherever you have an existing relationship, which would probably be your bank carrying your mortgage.  If you have home equity, that's your best best.  If not, you might speak with a loan officer at the bank about getting a bill consolidation loan.  Possible they might be able to work something out.\nAn alternative is a loan finance company that lends money at generally higher rates, like a Citi-Finance or other national/regional sources.  Not the cheapest solution, but they do have fewer restrictions than what a bank might since they generally take more risk.\nHope that helps.
235595
Most people think they can't get a home loan due to low credit scores. I specialize in home loans for people with bad or poor credit. The best way to look at things is to ask yourself how much you can afford monthly for your mortgage. IM me and I can get you started if you like.
287749
Its really hard to tell how much you can get anyway with paying. I use to do this kind of work. So it depends on how long you have owed them, was you credit good (always made payments on time) until this happened or it was a little rocky sometimes,then what kind of finance company was it ( automobile, private loan from a bank or credit card co, home buying) & has it gone into collections yet?? All these things sometimes makes a difference. But you can always make them an offer. Cause they have told you what the debit was, what they would settle for. So now I would make them an offer. Maybe start with whatever $ amount you can pay right now..then if that fails then offer a little more but it will take you a little bit longer to pay that $ amount. And just go from there. If all else fells, make 1 lump sum, & payments on the rest. BEST OF WISHES, I KNOW ITS HARD!!
567450
You will not get the credit you think you deserve because you must first establish credit. I know a kid whose only bill was a cell phone. Guess what? He went delinquent on it. He has just put the first stain on his credit.\n\nThe only way to prove yourself is to accept the high interest rates now. Pay them on time all the time. Maintain your employment for as long as you can. If you change you job within the last year it will affect your interest rate and may even affect whether or not you are approved for credit. Keep in mind that creditors are looking to see what they can work with.\n1. How much do you earn? In most case it must be over $12,000 USD.\n2. How long you've worked at your present job? Should be better than a year.\n3. How old your are? Over 24 is a better chance to get credit and lower interest rates\n4. Do you own or pay rent? "Live with parents" doesn't impress a creditor.\n\nIf all the above are good answers then work on getting a secured credit card. There will be a lot of fees associated with a secured card such as application fee, annual fee, processing fee and late payment will be $25 and up, and your interest rate may be around 18 - 25%. Do this for a over a year. Make sure you actually use the credit card but dont ever max it.\n\nProvidian Bank may give you credit without money into a savings account but there interest rates will be up there. They start of low but every 6 month they increase as long as you've made timely payments.\n\nAlso get a loan. Have a family member cosign it. Your credit as well as their credit is affected. So as long as you make timely payment its a win win situation. You can't be denied an auto loan. Having and paying these loans and credit cards increase your credit score. Once you have these under your belt and your on the better side of items 1-4 stated above, you should be home free.\n\nGood Luck
628912
Concentrate on the credit you will need to pay off.  Especially if you are trying to get a house.  It will be helpful if your credit score is at least 600 or higher.  Hope this help?\n\nLC
580581
Try American General Finance or Try a Credit Union. I got a loan with a 470 score.
164177
I just received this loan application form and know nothing about it, but check it out.\n\nNorthstar Systems\n162-01 Northern Blvd., #199Flushing, NY 11358\nPre-Approval Loan Application\nFast Approvals on All Types of Loans-Guaranteed!\n\n\nNeed a Cash Loan for Personal or Business use, or a Debt Consolidation Loan to consolidate all your bills? We can assist you immediately.\n\nOur service offers:\n·Unsecured Personal Loans from $500-$10,000.00 (Bad Credit Accepted)\n·Debt Consolidation Loans up to $50,000.00\n·Military Loans and Federal Employee Loans\n·Business or Business Start-Up Loans (no limit)\n\nWe accept BAD, FAIR or NO credit applicants. Of course good credit is always welcome! No Homeownership Required! Loans amounts from $500-$250,000 available.\n\nWith over 12 years experience, our Nationwide Loan Service has helped thousands of people get the money they need, when they could not get a loan from any other source. Regardless of past credit history you can get the money you need, and re-establish your credit today!\n\nNorthstar Systems is a company dedicated to excellence, offering our customers prompt individualized service which is fully guaranteed.\n\nThe majority of applicants who apply are approved for the money they need. Of course, your are under no obligation to accept the loan even after you are approved. Interest rates are low, with flexible payment options to fit your needs.\n\nEven if you have been previously turned down, filed bankruptcy, have bad credit or good credit, we can help you get the money you need today!\n\nPlease complete the short Loan Service Application. Return it along with your one time $35.00 application Fee. Instruction on next page.\n\nWe believe in putting our money where our mouth is! In other words. If we do not successfully assist you in securing your loan, you owe us nothing. Your service fee is 100% refundable if you do not receive your loan.\n\nThe entire process takes 7-10 business days from the time we receive your Loan Service Application. You are under no obligation to accept the loan or loan amount offered once you are approved. You decide!\n\nOur service is 100% GUARANTEED\nIf your loan request is declined for any reason your service charge is refunded.\n\n\nHere is the actual loan application (the formatting is all messed up in this narrow space, but maybe you can at least tell what info they need:\n\nLOAN SERVICE APPLICATION FORM\n(Please Print)Date\n\nTell Us What Type of Loan You Need. Check One or All. We ask for general information only, we do not run a credit check!\nPersonal Unsecured LoanBusiness or Start-Up Business Loan\nDebt Consolidation LoanDebt Consolidation Program\nMilitary Loan-Federal LoanStudent LoanAuto Loan\n\nAmount of Loan Needed?How did you hear about us? \nApplicant Name \nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nMortgage'\nRent OtherTime at Current Residence\nEmployer's NamePosition\nLength of Employment Monthly Income Other Income\n\nCo-Applicant Name (If Applicable)\nPhone NumberE-Mail Address (If you have one)\nAddressCityState Zip Code\n\nEmployer's NamePosition\nI understand that all information given in this service application to Northstar Systems is held in strict confidence and is for general information only.\nWe Guarantee a Refund if for any reason your loan request is denied! 100% Guaranteed!\nThe company guarantees the client will be approved for the loan request or the service fee will be refunded. The company will assist the client for 60 days to secure a loan or financially related service. Client will pay service fee of $35.00 for processing loan information. Client will apply to referrals provided. Client must show applications were submitted and were declined by three lenders to be eligible for a full refund. promotional offers can be cancelled without advanced notice.\nLength of EmploymentMonthly Income\nOther Income\nApplicant Signature \nCo-Applicant Signature (if applica
520346
A hard life lesson about why you should NEVER drive without insurance.\n\nYou are going to have a hard time getting basically an unsecured loan for 10 YEARS for 24,000.\n\nYou might be able to qualify for some loans for college expenses by re-enrolling in college and trying to roll some of that cash due into that loan.\n\nI fear you may have to get several sources to lend you the money and then eventually work toward consolidating those loans somehow.\n\nYou also could try a few lenders and then try to continually re-finance them to get a longer term....however this is going to be expensive.\n\nI hope you realize that by financing the $24,000 you will really end up paying $35 to even $40,000.  \n\nWas it really worth not paying a few hundred more dollars to forego insurance?\n\nYou also should try looking at a credit union.  If you already belong to one....try there.  They often have more relaxed lending rules.
569497
You can get it, just not a good rate with your current score. And there are ways to boost your FICO scores in a few months. I can help you with it. I work with a big direct lender/mortgage broker doing business in 48 states, and because the huge volumn of business we do, we get better rate than smaller brokers. We have over 200 loan programs to meet the needs of different situations, from good FICO score and good income and down payment, to poor FICO score and NO income (called "stated income") and NO down payment, so I will be able to find the program which best fits your needs. Contact me at xjuy@yahoo.com or 408-476-0455 and I can help you. Jessica
105744
Bad credit can make it difficult to obtain a loan - You may need to fix your credit first and then re-apply. This is a long process - it could take you 12months or more. Start saving money into a savings account, whatever you think you can afford - this will help you work out how much you could borrow, and in turn what house you may be able to afford. There is a lot more to it, money for repairs etc. So even after you buy a house there is more money needed, on an ongoing basis to keep it up. Good luck
590089
this is tough question normally there is a wait time of 2 years\nhowever sounds like your husband did not file\nclick on my pic there is a bad credit link there which has the following text\n"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."\ncheck it out for yourself
221484
Contact the institution you have your loan through, and let them know you are under hardship.\n\nThen start looking for another $20 job as fast as you can.\n\nDepending on how many years you have already paid into the loan you MAY beable to refinance it.  Call a local mortgage broker and see how they can help.  Consultation is free.\n\nSometimes our credit isn't as bad as we think it it, sometimes it is worse.  But there should be help.  A good mortgage broker or financial officer can help.
618818
you can look at my profile\nthere I have a link you should have interest in\ncheck it out for yourself text from the site\n"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."\ngood luck
485178
I would try my own bank first and see if they have a lsmall loan prgram or credit card that I was applicable for.  The payment will depend on how much your interest rate is and how much time they will give you to pay it back, so if it is 2, 500 and your interest rate was 10% and you had 12 months to pay it back, how much woudl it be?  Figure it out that way, just an example.  also, find out if there is a grace period where if you pay it back within say 30 days thre will be no interest or if you can wait until 60 days later to make your first payment.  Hope this helps!  Good luck!
500618
Bad situation...maybe you get a loan from a bank or a lending company.
460623
Oh don't do it! That's all I'm saying! Loans are trouble! But if you must, there's cash and loan places like Check into Cash, pawn shops, credit unions, etc. Depends how much you need.
556177
What if your husband could put some more hours in to support you while you attended school? Also, you mentioned on another page you work with credit, so I'm sure you could find ways to obtain a loan during that time. Final option: downsize. Too many people voluntarily join the "rat race" with their monthly payments on a nice car, nice house, and other items that aren't necessary.