I'm looking for the best way to get a personal loan to pay off credit cards and have extra money just in case?
604160
try northern rock cheapest rates around
796405
try borrowing from prosper.com. It is a people to people lending site that's getting very good reviews. Good luck..
499313
http://cashin10minutes.com\n\nis the best online loan provider
1021960
Find someone to cosign with you.  This will use thier credit to get you the loan, and when you pay it off, your own credit will improve.  Of course, if you do not pay it, they will go after your cosigner.
654708
You can apply at any bank for a personal loan. Go to the bank where you are a customer and see a loan officer. Interest rates are usually a bit higher for unsecured personal loans, but they are still far cheaper than the Fast Cash alternative. You can also get a cash advance from a credit card.
395235
Pay in full if you can. If you can't pay it all, then pay as much as you can. \n\nCredit card debt has the highest interest of anything except maybe the pawn shop. If you can get a bank loan at lower interest to pay off your credit card debt, do it.\n\nCredit cards should be used for convenience, not for credit.
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
737763
Try Lending Tree I understand they have various  banks to choose from to make loans for all types of credit.
191689
Credit Card Convenience Checks are horrible.  Some of the interest rates go into the double digits.  It is the same as a cash advance off your credit card.  if you look at the paperwork that came with the checks, you will be able to see how much interest they are looking to charge.\nThen go to your local banks and find out what line of credit they would extend and at what rate.  Unless your credit history is really bad, you will get a significantly better rate at a bank than you will off a credit card.
30781
Don't know about "extra" cash, or what you intend to do to get it, but you can apply for a simple-interest loan from http://www.cashcall.com if you have fairly decent credit.
991963
There are many variables, including what your credit score is, how much you make, to name just two.  You may want to contact a debt-consolidator, though they charge for their services.  Otherwise, you're looking at a personal (unsecured) loan or secured loan...if you have something of equal or greater value to use (paid-off car for example).
1150310
I have flawless credit and this is how I did it. Start by joining a credit union or a bank. After a few months they will approve you for a small personal loan. Once you take out the loan, cash the check and pay it back in a few days. You wont get hit by the interest and they love to see you paying off your debts that soon. Repeat this process a few times, they should give you larger amounts each time, based on your repayment history. After a couple of years you will be well over a 750 rating. Also avoid racking up huge number on a credit card. That will only come back to haunt you. Also buying and paying off a car or home counts huge.
833958
I'm sorry to say this, but really the last thing you need now is a credit card.  \n\nIf you can get a bank account, you might see if you could get a debit card, where they draw the money from your checking account when you use it, instead of it being a loan.\n\nI♥♫→mia☼☺†
618080
There is a site www.prosper.com that has individual financiers that have money to loan. Go apply and see if you can hook up with someone to loan you the money.
1160681
See if your bank or one of your major credit cards will give it to you.\n\nWashington Mutual has this as a benefit for their credit card holders.
1110162
Don't do it from a store, they will rip you off with probably 10-20%.  You should just take out a personal loan from a bank or credit union.  Depending on whether it's a secured or unsecured loan it should be around 8-11% I'd believe.  You could also take out a home equity loan if you have a home.\n\nMy credit union has secured for 9.99% and various rates around 10.5% for unsecured.
1126656
Some banks offer a credit builder loan...you won't get money from the loan, but they will put aside the money in a savings acct for you and you will then make payments on the loan...when you're done, you'll get your money back. \n\nThere is also a credit card called the Secured Visa (that particular one is offered by National City Bank) With that card you would secure the card with at least $250 and then you may use the card up to the amount you secured it with. Make monthly payments for at least six months and that should help build your credit.\n\nOr, if you have no credit at all, get a credit card specifically for first-time credit card users. The only bad thing with that is there usually is an annual fee on them...or search for a regular card with cool benefits.