where can you get a large loan to pay off everything?
925051
You have several reasonable options:\n\n1. Go to your bank/credit union/financial institution, and ask if they would be willing to loan you the full amount necessary to consolidate all of your debts into one account.\n\n2. Find a low interest credit card, with a low to no interest introductory rate, and consolidate all of your loans on the one card.\n\nIf your credit rating is not so good, and neither of the two above options can work for you right now, it'd probably be best to continue paying your separate loans in a timely manner, until your rating improves and you have more leverage to get the best loan to ask your creditors to reduce the interest rates tied to your current obligations.\n\nDon't be enticed by these 'debt consolidation' companies.  There are also some great articles on Debt Consolidation Pros/Cons.  Here's an article from bankrate.com: http://www.bankrate.com/yho/news/debt/debtmanageguide/consol-dangers1.asp\n\nI strongly suggest that you visit bankrate.com.  Great useful financial info.
249847
With as high a FICA as you have, the slam-dunk answer is a home equity loan.\n\nThe loan I have allows me to even write checks (just like charging) to the account, up to the amount of my escrow balance.  In the event of an emergency, you will have a fast, easy way to get a low-interest loan, plus the advantage of being able to write off the interest.\n\nBut let me give this warning!!!!  You MUST get control of your credit spending.\n\nOver the past few years, thousands of people fell for the lure of low-cost refinancing and home equity loans, roll-over credit cards, and consolidation loans.  They wanted to pay off their credit cards and have only one payment.  \n\nThen they went and ran up their now-empty credit cards all over again.  Before you know it, they can only afford the minimum payments, and it's gonna take 10 years to get them paid off.  They end up filing for bankruptcy.  \n\nYou are gambling your home here!  You better be real sure you can control your spending before taking this step!
671262
http://loans.mamayek.com/autoloans.html
923341
I don't know what you have to pay off, but alot of places might be willing to work with you. My student loan lender is letting me make 150 a month payments. I still owe $8,000. its not alot a month, but its better than nothing. wish you luck.
796866
Ask your parents for a loan.  Give them a plan to pay them back and state all the ways you will come up with the money needed.
1081087
You should check out Brian Sacks' Website at:\nhttp://www.loanofficersuccess.com
133927
Snowball technique:\n\n1. Look at all old debts. Rank them from easiest to hardest to pay off based on total owed, minimum payment due, and (tiebreaker) highest interest rates.\n\n2. While making minimum payments to all other debts, pay this one, PLUS as much extra as you can swing- AT LEAST an extra 10%, but the more the better!\n\n3. As soon as this one is paid off, apply all of the payments you WERE making on it to the next debt in line, WHILE still paying the amount on it you were. By this time, you should be paying about twice the minimum so this one will go faster.\n\n4. Repeat for each other debt- the monthly payment will be getting bigger and bigger, paying it off faster and faster.\n\n5. Throw whatever 'windfalls' you can at this also- tax returns, bonuses, etc.\n\nThey say the snowball will get you debt free in the quickest amount of time- even faster than consolidation loans, etc. One nice thing about it is that YOU are in control of it. If you HAVE to hold back some of the extra money once, no big deal.\n\nPS- this is the technique that a lot of 'get out of debt quick, send money for info' schemes tell you to do.
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.
1182257
good luck trying to get one..\nhold off on another loan; work to pay off your current ones as of now..
1171856
Have alot of money first off
635363
Tink, you might have to put your Roo's, Wallaby's and B-Rangs up as collateral too, so be prepared with all the paperwork before you venture to your villiage's banking hut.\n\n;-)   Ha, got ya again !\n\nSeriously, you might start on-line searching, but I would seriously only do that for general information.  The first step that you should take would be to get a copy of your most recent credit reports ... I'm not sure about what organizations to contact on the "Big Isle", but your local bank can help you there.  Here in the 1st world (got ya again), we have three major credit bureau's and we can get one free credit report per year.\n\nThe point is, that if you have something bad or old on there that shouldn't be, you'll want to get that cleaned up first, or at least initiate the request to get it cleaned up (have the paperwork with you).  The credit score will be hugely important in what interest you pay for a debt-consolodation loan.\n\nThere are a number of non-profit debt organizations here in the states ... there are also a number of "Paid intermediaries" ... there is a big difference.  If they have a website and it's www.SOMETHING.org, it's a non-profit.  Stick with them.  They will be able to not only help you locate a reputable lender with a decent rate, but can also help you work out other arrangements with credit card companies, etc.\n\nCredit companies are actually very willing to reduce the interest rate on your balance if you go through such a place.  By doing so, you are demonstrating that you are interested in paying things off and very often, you'll set up an automatic payment plan directly from your bank account ... the amount of the payments will be collaborated with you, the organization helping you and them.\n\nPut it this way ... the interest rates you pay are based on the costs of funds (i.e. the market interest rate) plus a risk premium.  In such a case as this, you've significantly reduced their risk of default by setting up automatic payments and have demonstrated a willingness to repay so that's where the rate reduction comes from.\n\nIt's sort of common sense to pay off the highest interest cards first (remember that you should pay the minimums on all of them to avoid racking up late fees and damaging your credit), however, that may not really be THE ONLY best solution for some folks.  Assume that you 5 bills with balances of $5,000 / $600 / $200 / $150 / $125 ... rather than paying the mininum on all of them and then taking the "left over" available cash and dumping it all onto the highest rate one, consider an alternative:  Pay the minimums and then take what you can afford to thow elsewhere and put it on the one with the smallest balance.\n\nThis way, in a month or two, you'll only have four bills.  Then three bills, then two bills, etc.  In reality, for most people, it's easier to manage that way for several reasons.  1)  You have very tangible proof that you're making progress that you can sink your crooked teeth (got you again) into ... there's a sort of satisfaction there, "Finally, got rid of that one!" ... You attention get's more and more focused on just the one or two left ... 2)  You'll have time to establish regular payments on the big ones as well so your credit report will reflect this as well as the number of open accounts decreasing.\n\nAfter you've paid one off, CLOSE IT !!!! The number of open accounts affects your score even if there is no balance on them.  This will positively affect your credit score much more than uniformly decreasing the balance on all of them (people don't know this)\n\nSo:  Step 1:  Find out how you can get a copy of your credit report(s) and get them.  Do this first as it will take some time for them to arrive to you.   2:  Do some research to find a non-profit debt consolodation organization in your area and talk to a few of them.  3:
73445
By putting up big down payment and paying high interest rate.
324464
concentrate on paying off your highest interst loan first, like a credit card that can be 18% or more.  then pay off the 2nd highest debt, etc.  you have to make more than just minimum payments to make any headway at all.
276424
ouch....gotta start somewhere.  Take anything you can get.  Try the Credit Unions.
646895
I can do loans in Indiana http://www.ocrate.com  Let your people know. :)
1110092
Go through the state. I live in Texas and got a loan for however much I was willing to pay back after I graduated from college. It was easy. (But Im not sure if the state you live in offers this)\n\nIt's worth a try.
381956
Well, I'm familiar with Citi Financial. They are legit, but their rates are way too high. The last rate I saw for a personal loan was 21%. \nI think a local bank would be a better bargain. You should be able to get something in the 12-15% range unless your credit is bad.