i need 2 get a loan, but my credit isn't good & I do not have a  cosigner or collateral???? Help!?
487792
what kind of loan? a car loan? a lot of car companies willl find a way to get you a loan. a personal loan is another matter. You either get someone you know to loan to you or you go to Vinny from the hood who will break your legs if you dont pay back.
134749
Just went thru this as I have never owned a credit card,payed my bills on time but no credit is like bad credit in lenders eyes.Our solution was to get a co-signer for a loan and purchased a new vehichle.After timely pymnts,in a few yrs we will have built the credit we need.GOOD LUCK
410067
you should try your bank or a credit union...almost any bank will give you a loan, the problem is the interest...do you have any relatives you can borrow from?
1185896
Vist www.nelnet.net. Inquire on the Federal Stafford Loan. That's what I did. I'm 18 with no credit and no cosigner. Mostly everyone is approved.
62803
Do you have a bank that you have any accounts in?  if you do they may be willing to make you a small loan.  Everyone has to start somewhere.   (how can anyone ever get a loan if they didn't have credit?  think about it... Everyone had to have a "first" loan - it's from that point that you will establish if you are trust/creditworthy or not) so don't blow it.  Pay that loan when you do get it. \n\nIf you don't have a bank account - you may need to have a family member co-sign  the loan for you.  You need to be sure to pay the loan off on time and you will be on your way to building a great credit for your future.
253772
You can't it's all a trick,I've tried them all. Go to a bank and apply for a loan even if you know you won't get approved. This is the only FREE credit report I've found. \nYou will receive a complete credit report from the bank!
913356
there are lenders here for people with limited credit experience\nhttp://www.wesayes.com
503885
try Prosper.com.  If you meet a minimum credit score criteria you should be able to get a small loan with a decent interest rate and low payments
784783
a loan from the bank wait snap u have poor credit nvm idk
339137
Yes - look into FHA loans. For most loans you need a valid credit score which means at least 3 open credit accounts. If you can't get a credit card it is unlikely you have 3 credit accounts.\n\nFHA let's demonstrate credit by using utility bills, car insurance, rent, a monthly deposit to a savings account, etc. \n\nIf you use these forms of "alternative credit" you need to make sure you have a minimum of 12 months of paying on time.\n\nYour score could go as low as 550 for FHA
1088858
If you find one let me know.\n\nSeriously you either have to have good credit or collateral to get a loan.  Period.  Collateral means something of value they can keep or take if you don't pay that helps protect the lender from losing all their investment.\n\nThe closest thing to money without credit or collateral is a payday loan.  You can find them by looking in the phone book.\n\nBut before you do, realize the fees are so steep that many who use them end up owing a lot more than they borrowed.  Some states are trying to pass laws to put them out of business because the fees they charge are so high, and the people who use such services are the ones who can least afford it.\n\nA payday loan still requires you have a job and I'm not sure how they secure it, but I think they get your next check.  I've never used one.  Never will.
430327
Have you tried applying with a cosigner?  That should always be your first step if you have bad credit but know someone who doesn't.  You  might be able to borrow a loan with a "cosigner release." This release lets your co-signer "off the hook" once you make a certain number of on-time payments (4 years is typical), so you receive the interest rate benefit of a cosigner with minimal risk to that person who has helped you obtain the loan.\n\nBe careful when searching online for companies that specifically claim to offer loans to people with bad credit.  Education FInance Partners, which the above poster suggests, is a legitimate company, so there's no reason not to look into that one if s/he says it worked.  Consider also Campus Door, Access Group, or Wells Fargo's (Collegiate Loan).  \n\nIf you have bad credit already, make sure that you don't apply for loans indiscriminately -- every inquiry into your credit is another "hit" on your credit score.  Check out the huge list of private loan lenders on FinAid's website: http://www.finaid.org/loans/privatestudentloans.phtml Go to each website and read the terms and credit criteria of their loans until you find one that focuses more on one of your credit strengths (job history, perhaps).  \n\nOnce you get a loan (which will probably be at a higher interest rate than you might like) consider working on your credit score and, when you get the chance, paying off that loan with something that boasts a lower rate. Pay close attention to the rate of the loan you are offered -- it could be close to 15% or 20%, which is very high.  Use the loan while you need it but get rid of it as soon as you can (apply the same logic to any high-interest credit cards, too).
1012410
To be honest, another loan is probnably the last thing you need if you already have a bad credit history. It will just make the situation worse.\n\nYou should concentrate on reducing your expenditure and increasing your income.
938530
If you have credit without bad mark on it I am sure you can get a loan from a private source(bank or person).  Also depending on how much you need you maybe able to use other options like credit cards.
316870
There are loans that do not require any documentation, or only require verification of assets.  You will need good credit, and might need to put money toward a down payment to keep the interest rate at a decent level.  Call a mortgage company.
299517
Go to a Mortgage Lender...they service loans to poor credit, although if it is too bad, they may want you to clean it up a bit before loaning to you anyway.  A loan that takes into account poor credit is going to at least double if not more the percentage rate of your mortgage.  When you go to look for your loan, be sure to watch for all of the hidden costs (that goes for ANY mortgage)...never sign anything until you have seen a Good Faith Estimate which will disclose any and all fees that are associated with your mortgage!  If you don't understand it, find someone who will help explain it to you....don't let the lender that is "offering" you the loan do the explaining...they can try to make everything sound "okay" and you can get yourself into a mortgage that you can't get out of.  Be Careful!!!   and Good Luck!!!
1140848
check the link on my profile it might suite your needs better\nquote from the site\nWe 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.