i need a loan today but have bad credit and i am a tenant?
396894
Unfortunately (certainly in the UK) there's no way to get a loan that fast...as you will have to supply details...get checked and so on - so a week is usual.\n\nAn overdraught facility with your bank can be arranged faster...but whether they will depends...\n\nIf you have bad credit then you are counted by the industry as higher risk and so will be charged greater rates of interest.  So you should think carefully before entering any agreement - as you will pay back much more than you borrow - which will obviously create more problems in the long term.\n\nThe best place I found to investigate loans (in the UK) was moneyfacts.co.uk - they compare the lot - but of course it might not apply to your circumstances.\n\nBut to be honest a loan isn't going to fix your troubles (sorry!) - and if you're finding yourself getting in trouble financially there are loads of great charities that aim to help people struggling.  Here are two:\n\nhttp://www.cccs.co.uk/\n\nhttp://www.consumercredit.com/\n\nAll the best
556221
I get 100% loans for credit scores that low all day long.  Like a previous person said, you'll have split it into two loans (80% and 20%) and should opt for the ARM.  \n\nUnfortunately, I'm only licensed in PA.  \n\nYour best (and possibly only) bet is to contact a local mortgage broker out of the phone book.  Check out and bookmark my blog to learn all about home financing and what mortgage brokers do: http://explaintome.blogspot.com\n\nWhether you can get a 100% loan depends on all the other factors besides credit.  Do you pay your rent by check?  Can your landlord verify that you paid 12 payments on time?  Do you have 2 years work history in the same line of work?  Do you have some extra money in the bank as reserves just in case you fall on bad times?  Do you make enough money to support all your current debts plus this new payment, including taxes and insurance?\n\nThose are the questions you can discuss with your mortgage broker to get yourself financed.
30136
i am in the same boat as you. far as i can tell right now you have to go and pay all the bills that got you bad credit and then go and like finance something or get a contract cell phone or get a small loan. something to build the credit back up. but that is all i can figure right now.
1182257
good luck trying to get one..\nhold off on another loan; work to pay off your current ones as of now..
89292
try contacting one of the three major credit bureaus, call a mortage company for the numbers.
135090
Call Countrywide Mortgage - they have aggressive programs for credit challenged. You'll be surprised.
786070
It is quite possible but by doing so you have all the onus of maintenance, references, rent collection, legal problems etc all on your shoulders. You really need to have a good contract drawn up by a solicitor (shorthold/assured/ etc)... references can be obtained from credit reference agencies at a cost... but this takes time as does advertising .... Independent inventories... independent adjudication in the event of problems.. and often if a tenant says they can't afford whatever... you as an individual feel more sorry for them than a letting agency....
881058
Talk to the CAB about the tenant rights. They will be able to give you the specifics, and they're free!
575082
I would say you are at a right place, because i just read your question. I am loan officer and specialized in helping people with the worst credit they can have. So feel free to write me at refinance@inbox.com\nI am sure, i will try to get you the best possible rate which you qualify for.
1157254
You might want to try to rent from a private owner...usually these people dont do credit check..but if they do you might have to get a co-signer or pay a few months ahead of time
541487
Suggestion: Go to 'rent to own' places and ask them if they will report your timely payments to the credit bureaus for you. Most of them will be happy to say yes, if you buy something of course. Get something small and simple and make the payments on it. Try to get 90 days, same as cash and knock it out before the 90 days are up. They report your good work and you can start rebuilding your credit. The bad stuff will still stick around for 7 years, but your efforts will help you in getting loans if you need them. Good luck to you!
1084310
The only way to fix your problem is to sell to a house buyer. They will let you pay rent to stay in your home than sell it back to you at market value when you've fixed your credit. But only if there is potential marketable value to your home.\n\nAnd a private lender will end up costing you more. Ck into FHA
796697
Look for adds for roommates.  Someone else getting the lease will help with the credit problem.  Ask among your friends first.
800337
You don't mention if you have a job.  If you do, you could either ask your employer for an advance on your paychecks or you could go to one of those paycheck loan places where they will loan you the money, at a high rate of interest, but it's better than being homeless.  Also, have you asked your parents or relatives?  One other thing, check your university's social services dept. (if they have one) and ask a counselor there for help.  \n\nIf you don't have a job, get one!  If you've been paying your rent on time in the past and this is the only time you've been late, your landlord might cut you some slack when you show him that you are really trying to get your life back on track.  Set up a payment plan with him and stick to it.\n\nIt's good that you're learning a valuable lesson now, while attending school, and it's not even part of your curriculum.  Your credit history/rating will be one of your most valuable assets as you go through life.  Protect it and do all you can to keep it healthy.  That way, when things happen to cause unexpected financial problems, you have options.
15719
Contact Community Legal Services in Philadelphia, and take it from there.\nTelephone (215) 981-3700\nGeneral walk in Intake: Mon.-Fri. 9am-12pm\nLandlord Tenant Intake: Mon. & Wed. only- 9am-12pm\nTelephone intake for Landlord-Tenant is available 9am-11am Mon. & Wed. only\n\nCall them FIRST THING MONDAY.\n\nhttp://www.clsphila.org/Do_You_Have_A_Legal_Problem.htm
1018869
Try to find a rent to own. My husband and I had bad credit and wanted our own home. \nWe looked in our daily local newspaper and found a 3 bedroom -2 bathroom ,2+ acres and all we had to do was sign the lease and give a 1000.00 down and we were in.\nA lot of rent to owns don't do a credit check. \nWe pay 640.00 a month and that includes insurance and water.\nWe pay 200.00 a yr in taxes. We have now been in our home 1 yr and loving it!
1005951
Even though you have "poor credit", you can still get a loan.  If you have assets, you can put them up as collateral.  An example, go to a pawn broker (hock shop)