What is the best way to get a 15,000$ loan without owning anything (house or...)and falling into debt?
351771
Be a political party or start a religion
695746
Don't panic. You need to deal with this problem like all problems in life with calm and confidence.\n\nIf your income is less than your expenses there is no way you can get out of debt. So, first step.  Is it possible to cut down your expenses? Evaluate the following  home rent, expenses for cable tv, internet connection, mobile phone, long distance telephone provider  and other utilities- do they all cost the lowest rate possible. \n\nIf not shop around and get the best deals. If you call only one or two people frequently then switch to some connections like friends and family which give you the lowest rates for 2-3 phone numbers you choose. Cut down on things you never use or which can be postponed. If you don't use your internet connection - get it disconnected. You don't need the cable connection - get it cut too. Till you are firmly back on your feet you may have cut out some luxuries. \n\nCall up your credit card company and ask them if they will lower your credit card interest rate. As you have good record of paying on time they will surely consider your request. A lower interest rate is like getting a cash back. For example on your debt of 18,000 dollars at 20 percent interest you will be paying 3600 dollars per annum in interest alone. Cutting down the interest rate to 10 percent can bring down your interest to 1800 dollars. That means you save 1800 dollars in interest which you can use to pay your principal. If you promise to pay on time they may even waive your late fees. So, make that call to your credit card company. If you have more than one card then transfer your debt to the lowest interest card, that should also save lot of cash.\n\nCan you get another job? That should help you go a long way in cutting down your debt. If you daughter can pitch in by earning a few extra dollars through some baby sitting or cleaning neighbors yards that should help too. Many such jobs will be posted at the local supermarket. \n\nIs it possible to get a raise at your current job? If not try to find a job that will pay you more. Most important don't lose your confidence. You have done a fine job till now with a little help you would definetly do better.\n\n You should also go to debt counselors who will give you more advice on how to tackle your debt with the income you have.\n\nBest of luck.
552718
I would call it Cash :)  You can short some 10-20 year bonds and use the money too...  Use options...  It would be really hard any where in the world to get loans for assets without any colleteral or credit history.  You can also loan money form loan sharks, yet I would not advise.  \n\nOn a brighter side, there is low interest housing loans (very popular now adays)  from major international and Turkish banks, your house would be a colleteral, yet they will more than likely as for some down payment or documentation of income.\n\nThe Mortage law is about ready, it was to be instated this year, but it looks like they are going to take about another year to pass all the changes necessary to allow Mortages.  Yet the markets have created (with the above means) a mortage like market.  If you are qulified you can get a loan for less than 1% a month...
385515
You gotta pay 8.5% up front to get a loan?  And probably a high interest rate on top of that!  Are you crazy to even be thinging of doing that?\n\nThere has to be someone who will loan you money for less than that.  Keep looking!
645136
Borrow from friends and family if you have no credit.  Some finance companies might lend you the money, but at a high interest rate.
335342
Try going to a credit union.  They usually will let you sign for an unsecured signature loan if you at least have a steady job.
995600
Try www.prosper.com if you really want to borrow some money and a bank won't lend it to you.  However, if you are struggling just renting, it's unlikely you'd be able to make higher payments.  Try saving just a little bit of money - like 50$ a month in an account for a down payment.  Once you make it automatic, most people find they are able to do this and are able to move it up slowly.  Then you can check into first-time home buyers programs in your state, which can help you get a loan with as little as 3% down payment.  Check out the department of housing and urban developments info: http://www.hud.gov/buying/index.cfm
988739
if you have a job with a steady income,  you can usually just go to your bank and ask for a loan.  You'll pay higher interest rates if you have no credit history, but as long as you have a job they should be able to help you out.
245224
If you have the money, it is easy. But if not and you will ask for a loan, it will be hard and you may not be able to get the best terms of the loan. You will have little to no credit history, and that is always an impediment.
32251
Yes there is a way... BUT it won't be easy and it will come at a price. Be VERY VERY careful about going with subprime lenders for they will charge you an outragous interest rate and a high closing cost. \n\nIt is best to try and work on your credit first then try and refinance.
796407
We in the past have used what we call "loan Sharks" LOL. But really its called Hard Money, normally a 5 year balloon mortgage interest only and a much higher rate than the general public get.  You can look for Private Investors or some mortgage brokers may have a lead for you.  Have you tried just speaking with a regular mortgage broker?  They can do miracles, and try a few of them, but keep in mind, everyone that pulls your credit will pull your credit rating down.  So pick and choose carefully.  Take care and good luck KG
828469
Depends where you are in the world, but a credit card may be the fastest route to the credit.  Or a loan from a local bank - however they will require some collateral.
363439
If you're a home owner, the best way to get your hands on money is to cash out some equity in your home.  It's your money (from one perspective) and the rates will be about the lowest available on a loan.\n\nI caution you though, borrowing more to pay off your debts isn't the solution; replacing the financial habits that got you into debt with more healthy financial habits IS the solution.\n\nIn general, people in debt live on 'if-come'; they spend more than they make.  To fix the problem, you have to begin living on less than what you make, creating a surplus of discretionary income each month that you can use to pay back the money that belonged to someone else (banks in most cases) that you already spent.  In the meantime, they continue to collect interest on the money that you spent that wasn't yours.  It's a nice business considering how many people today don't see it for what it is.  Watch TV for half an hour, there will be plenty of companies just itching to make you a consolidation loan.\n\nIf home equity isn't available to you, shop for a consolidation loan with the lowest APR available and make yourself a promise to cut back on your expenses and pay the money back.  Get tough with yourself and decide what you NEED to live, and get rid of the things that made life more fun; they cost money that you can use to get out of debt.\n\nIn short, whatever your income is, it is.  Learn to live on it or find a way to make more of it.  Continuing to spend money that isn't yours is just going to keep you in debt, if not dig the hole deeper.
85618
Borrowing money to repair credit doesn't seem like a very good idea to me.  Unless you can get a lower rate than you currently have with outstanding loans you should try the tried and true method of controlling your spending and paying off current bills / loans.\n\nThe idea that only a quick infusion of cash is the only way out is what traps many people in the cycle of debt that keeps them from becomming financially independent.  Try not to spend more than you have and work on paying down your debt.
177203
Don't do it. You will only get trapped and it takes years to get out of it. Trust me. I have a friend that falled for the easy bait and she is still trying to save herself for that one small loan two years ago.
895908
This is very easy online to do. Google "discount small loan".  You will come up with many options.  The interest rates are going to be high trust me. Been there did that.  It's a quick fix to your $1000.  A local bank will help however they want you to borrow at least $2500.00.  Try also to google "low interest payday loan".  \nHope this helps
178556
If you have no credit and 10,000 in loans that you haven't paid on yet, it will probably be hard to even get a loan big enough for a house. But it really does depend on your situation. Dave Ramsey has been a millionaire twice and gone broke afterwards. The third time around, he promised that wouldn't happed, and it hasn't. He's the wisest man I know when it comes to money.