i need a loan but i have below aver. credit and are overextended. Any suggestion.?
952384
There is a bank I went thru to repair my credit it was orchard bank, they lended me 500.00 but there was a catch...... I had to make a 200.00 deposit. After 6 months with good payment history they extended my credit with a 1000.00 limit.
314370
Then you need to call the Mortgage Servicing department for your Mortgage Lender.  You DON'T want that to negatively affect your credit!!!!!!!
845282
get a job, put all you left over money in a drawer,  when the drawer gets full enough, go make you down pay't.  otherwise, you will probably be paying 25% interest on your loan.  don't borrow anything.  pay cash!!!
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!
571979
There are plenty of lenders that do loans down to 500 fico score. You just need to not have any forclosures or repos. Find a great mortgage broker that specializes in shopping for lending for those with credit issues. Push comes to shove, you can seek a credit repair specialist that can get your score up to a 560 so that you can qualify for a 80/20=100% financing loan in your area. Credit repair is costly, usually $45/line item/credit agency to get rescored, but you must be willing to either pay the debt or have a lawyer "fix" your credit using their methods.
725338
Applying for a home loan isn't the problem. You can apply and get accepted rather easily.  The problem you will face is the interest rate.  The worse off your credit, the higher the interest rate.  Check around and don't take the first place that accepts you.
443277
Try your local credit union.  The larger the better.
238451
Just play it cool. And the next time he ask you for any money, and he will. Tell him, I can't see anyway that I can possibly help you out. As there is still the issue of you owing me $700. Now when you see your way to paying me back, I'll consider another loan. And leave it at that.
1028289
Try American General Finance or Try a Credit Union. I got a loan with a 470 score.
368217
mattycindc is right on target!  Nice to see someone do the research before answering questions here.\n\nIt is generally recommended that you have 2-3 cards, and use them occasionally to establish a history for payments.\n\nIf you have more then 6, it makes it look like you have far too much available credit, and it will look bad to future lenders.\n\nWhen you close them, you are lowering your debt to credit ratio, which also looks bad.  It makes it look like you have suddenly used up a lot of your available credit.\n\nHere is your game plan.  If you have no plans to get a loan in the near future (6 months), then go ahead and close one or two cards.  It will lower your score for a short time, but your continued use of the other cards will quickly restore it.  Just try to keep 2-3 cards active.\n\nOther than that, you are doing everything right.  Pay on time, and keep your balances low.
370474
Somtimes talking to the bank will get them to quit charging you additional overdraft fees.  But, getting a loan or advance is probably the best option (if that is possible).  Next time, read some of the fine print before using any card then you won't be in this mess again.
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.
67196
Prima facie I do not think there should be any difficulty in getting the loan .   Probably your bad credit is haunting you .   Assuming you have bad credit ---due to any reason whatsoever --- it should be possible to explain to the potential lender the reasons which led to the problems .  You may further convince the potential lender that the causes --which led to bad credit---no longer exist .   It is a question of putting up your story in a proper way .   Of course the problem can be solved quickly if the lender listens to your story with empathy .  If this does not work , --as a stratey ---you may try high cost loan where the credit rating may not be an issue .   After repaying some part , you can approach a new lender who offers you " take over loan facility " at a soft rate.    He will be guided by the latest record of repayment .   All in all , it should not be difficult matter.
623420
Your best bet is to visit a local mortgage broker.  If your credit is shaky they have more options.  If your credit is great, they will compete as much as they can with your local bank on rate and fees.  \n\nCheck out my new blog on mortgage brokers:  http://explaintome.blogspot.com
1047151
Try going to a local church for the help you need.  Those fast loan places are bad news.  Your financial problems will only increase.
709409
I hopr this link will give you the better idea..\n\nhttp://www.freewebs.com/get_loan/
102032
You need to have excellent credit for those kinds of loans. I suggest you shop around several banks, and lendingtree.com\nYou may qualify for a low downpayment not as high as it would be normally. Just shop around and make sure you have a couple thousand saved up for closing cost and a downpayment.