Do you have over $10,000 in Debt? Apply for debt relief.
Free Debt Relief Quote

14 Month Private Loan Of $50000 With A Fair FICO Credit Score Of 546

If your searching for a private personal loan with bad credit, we have a few loan options for you listed below. America Loan Service works with peer to peer lenders and private personal loan lenders offering unsecured loans ranging from $500 to $100,000. We provide a wide range of private personal loan lenders for bad credit. There are many ways to secure a private personal loan and we have listed them for you. We have listed secured loan providers; auto refinancing options; free credit rebuilding services; payday loan repayment loan providers; co-signing loan service; student loan refinancing, reverse mortgage funding,  secure credit cards; unsecured credit cards for damaged credit and business loans options as low as a 500 credit score. When you have bad credit, there is no solution that we consider a great option. We have provided what we consider are the best choices for a difficult situation. If you can wait and repair your credit first before applying for a loan, that is our first recommendation. If we have not provided a  loan option that fits your requirements, email us at support@americaloanservice.com or complete the application form below.  In most cases, loan applications are funded in 24-48 hours and you will know if you are approved within minutes. 

Personal Loan

An unsecured personal loan is a great solution if your credit score and credit history meet the criteria of the lender.  We have listed personal loan providers with credit scores starting at 620. This lender group offers loans ranging from $2,000 to $100,000.

Bad Credit Loan Options

Bad credit Loan options ranging from $500 to $5,000 and any credit score can apply.

Home Equity Loan or Home Equity Line of Credit (HELOC)

A home equity loan or home equity line of credit (HELOC) provides an excellent way to consolidate debt even with bad credit. When you have good credit and the bank looks to provide a home equity loan or HELOC, they will normally finance the property up to 80-90% of the loan to value. The loan to value is the difference between the size of the mortgage and what you will get if you sold the property. With bad or fair credit, the loan to value may drop to as low as 60 to 70% and the interest rates may be higher. This will mean that the amount they are willing to lend will be lower.   

Auto Refinance

Auto refinance can be a great way to get capital out of an asset and use this money for debt consolidation. This provider can refinance your vehicle and get your capital back to work.

Free Credit Score Repair

The Novita credit rebuilding program sends reminders to make all payments on time.

Research your Credit Score and Credit History

It is a good idea to check your credit score and credit history before applying for a loan. Look through the items and make sure you agree with everything listed on the report. If you disagree with the information on the report, contact the credit bureau and let them know that there is an error. 

Lexington Law

Lexington Law helps consumers repair errors on their credit report. 

Payday Bad Credit Debt Consolidation Loan: $500 to $5,000

Consolidating payday loans with 400% to 1500% interest rates is very difficult to accomplish. OppLoans offer an installment loan which provides equal payments over a set period of time to get rid of payday loans that never seem to go away.

Payday Alternative Loans (PAL's)
The Credit Union along with the US Federal Government have developed a program called PAL's to help people stuck in revolving payday loans. 

PAL's features:

Loan amounts $200 to $1,000.
Must be a credit union member for one month
Loan terms range from 1 to 6 months
There may be a fee for setting up the application of $20.00
Contact this link to get some help.

 

Co-Signing or Joint Signing

We have listed a lender that specialized in co-signing with funds up to $40,000. If you are looking at a co-signer, we have a link that talks about the pros and cons of co-signing. 

Student Loan Refinancing

We have listed the best student loan refinancing providers in the USA that will work with co-signing. Most students have not had the time to establish their credit score. This is considered no credit history vs. calling it bad credit. The results are the same for the person applying, the lenders will not consider offering you a loan. 

Reverse Mortgage

A reverse mortgage is another way to access the capital for debt consolidation from your home or property. This product is best suited for retired people that want to start taking equity from their property. Before you take this step, LendingTree will provide you information on the steps. 

Reverse Mortgage Options

Secured Credit Cards

  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI

    

Unsecured Credit Cards

Get the security and convenience of a full-featured, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; First Access may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Business Loan Refinancing

We have added a number of business loan providers that will look at a debt consolidation loan with credit scores starting at 500. Some conditions apply including the time in business and gross annual revenues.

Debt Relief or Debt Settlement

Another option to consider debt relief or debt settlement. They can help you work with creditors and will explain your options. You can call them at the number below or click this link to go to their site now. 

Case Study on a Private Personal Loan

Nickie contacted America Loan Service searching for a $50,000 private personal loan with a bad credit score. Nickie's credit score dropped to 546 after missing numerous payments on her credit cards. She has lost her job and could not keep up her payments. Nickie has secured a new job and is trying to pay off her credit cards before the credit card company sends her to collections. She is speaking with the hardship department at the credit card company and making her payments on time today.  

She contacted America loan service looking for options and we provided her all of the options listed above for her consideration. Nickie did own her own home and had some equity that she could access and she had a friend with an excellent credit score that would co-sign a loan if she placed her on the title of your property.  

Nickie made an effort to procure a private loan for $50,000.00 last month and was NOT accepted

Principle of LoanLength of Term (Years)Interest Rate (APR)Monthly Installment PaymentLending Institution
$58210.00 10 6.8% $669.88 The Farmers Bank of Seaboard
$58420.00 6 11.8% $1136.06 The Bank of Raeford
$57530.00 6 9.6% $1054.22 The Bank of Coleridge
$58490.00 3 6.1% $1782.03 Farmers Bank of Sunbury

Nickie has a private loan of $19000 that he has held for several years this is now paid off.

Starting Interest Rate (APR)Remaining principleLender nameLender cityLender StateLoan Obtained
6.8% APR $7326.54 outstanding The Farmers Bank of Seaboard Seaboard North Carolina
5.8% APR $9006.03 outstanding The Bank of Raeford Raeford North Carolina
11.0% APR $7798.05 outstanding The Bank of Coleridge Ramseur North Carolina
7.8% APR $5157.27 outstanding Farmers Bank of Sunbury Sunbury North Carolina
9.3% APR $10200.32 outstanding Bank of Pittsboro Pittsboro North Carolina

$50000.00 private loan - Southern Pines, North Carolina

Shopping for loans with many different lending institutions impacts clients credit scores especially is they are not approved. Credit Bureaus do recognize that it is prudent for people to 'shop' for the best rate and terms. If you are looking for a mortgage, student loan, auto loan and shop around looking for the 'right' product for you, if the inquiries are made within a 30 day period, FICO considers them all as 'one' inquiry. Instead of several hits of 3 - 5 points each, FICO regards them as 1 hit. The exception to this is credit cards. If you are applying to several credit card companies, each credit inquiry is considered 1 hit and can lower your credit score substantially (3 - 5 points) for each credit card you apply for Once approved, individuals experience positive changes to their credit score if they are making their payments on time. It has been stated that knowledge is everything and when it comes to your credit report, knowledge IS everything.

  • Nickie possessed a credit score on the Equifax scale of 546, which is considered bad credit
  • Nickie had a score on the Transunion scale of 527, which is considered bad credit
  • On the Experian scale, Nickie had a 563 credit rating, a bad credit score

Nickie was finally able to secure a private loan from First Bank with a co-signer whose credit score was 750. As well, their co-signer became the primary on the loan due to their job history and income. Nickie began to work on her credit by making all payments on time.

Here are their contact details

  • First Bank
  • Street Address: 300 S.W. Broad Street
  • Branch city: Southern Pines
  • Branch state: North Carolina
  • Branch zip code: 28387
  • Branch County: Moore

Nickie had an Equifax score of 546, regarded as a bad credit rating

Fico Score: 546

Nickie has a TransUnion score of 527. This is considered a poor credit rating. The mainstream lenders will NOT approve a loan to someone who has this low of a score without security or a co-signer.

Transunion Score: 527

Nickie has an Experian score of 563. This is a poor credit rating. If your score is poor like Nickie, it will affect your ability to obtain a loan, the amount of a loan. As well, the terms and conditions will be fairly stringent to ensure repayment of the loan.

Experian Score: 563

Comments from Nickie after visiting First Bank at 300 S.W. Broad Street:
The bank would not provide a personal loan with my credit score at 546 even with my new job paying enough for me to easily make the payment. I had to get a friend of mine to co-sign the personal loan who had a 750 credit rating and I put him on the title of my home for his security. It was a lot cheaper than taking out a home equity loan. 

Original loan request from Nickie for this private loan

I'm Nickie from Southern Pines, North Carolina. I have applied at many banks in my area but have always been denied due to my credit score. I want a private personal loan of $50000 to consolidate my debt. Let me know if you can help me find the money.

Thank you, Nickie.

Borrower Information: Nickie
  • County: Moore
  • Home State: North Carolina
  • Current zip code: 28388
  • Current income: undisclosed
  • Profession: aircraft launch and recovery officer
  • Credit Card Debt: $1000 on their Boston Red Sox® BankAmericard Cash Rewards™ MasterCard®

While the articles highlighted are true, the names and some locations have been changed to protect our readers. America Loan Service would appreciate your comments concerning our website. Please do not give us your last name and try to keep the information in your comments quite nonspecific. It is the overall subject that everyone relates to and we appreciate your comments. When you send your story, it will be reviewed within 24 hours and you will be notified if they are used.

Past Applications

Application from: Alex J**

City: charleston
State: illinois
Credit Rating (FICO): 546
Profession: Server and College Student
Amount Requested: $12000
Age: 22
Current Debt: car loan 2012 of 10.000 and several small debts to clothing stores and for furniture and one for home depot less than the 12,000 but I am needing to purchase a new compute. Want to pay off everything but car and update computer for school.
Yearly Income: 28000
Zip Code: 61920

Message:

Hi Alex,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 546, we are limited on the lenders we can recommend.

Here's a handy table to help you to figure out what type of credit you have: Excellent Credit Scores: Over 750 Good Credit Scores: 700 to 749 Fair Credit Scores: 650 to 699 Poor Credit Scores: 600 to 649 Bad Credit Scores: Less than 600

America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we emailed you can help with your request of $12,000.00 for a personal loan. Our lender offers Personal Loans from $1,000.00 to $35,000.00 and you can apply on our Personal Loan page. You can also want to check out our Bad Credit Loans page. They offer loans from $500.00 to $5,000.00. If you are unable to find what you are looking for with a personal loan, have a look at our Debt Settlement page and get your credit score back to a manageable level.

Good luck

America Loan Team


Reply to: Alex J**


Application from: Dania**

City: Brooklyn
State: NY
Credit Rating (FICO): 546
Profession: Nanny
Amount Requested: $8000
Age: Age not given
Current Debt: 4000
Yearly Income: 30000
Zip Code: 11234

Message:

Hi Dania,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 546, we are limited on the lenders we can recommend.

Here's a handy table to help you to figure out what type of credit you have: Excellent Credit Scores: Over 750 Good Credit Scores: 700 to 749 Fair Credit Scores: 650 to 699 Poor Credit Scores: 600 to 649 Bad Credit Scores: Less than 600

America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we emailed you can help with your request of $8,000.00 for a personal loan. Our lender offers Personal Loans from $1,000.00 to $35,000.00 and you can apply on our Personal Loan page. You can also want to check out our Bad Credit Loans page. They offer loans from $500.00 to $5,000.00.

Good luck

America Loan Team


Reply to: Dania**


Application from: Alexis J

City: Deltona
State: Florida
Credit Rating (FICO): 546
Profession: Profession not given
Amount Requested: $20000
Age: 37
Current Debt: 0
Yearly Income: 24000
Zip Code: 32738

Message:

We will forward this on for you, good Luck. We have a very good lender that fits the amount of capital you require. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Alexis J


Application from: Yazmin**

City: Homestead
State: Florida
Credit Rating (FICO): 546
Profession: Customer service Representative
Amount Requested: $3000
Age: 47
Current Debt: 1000
Yearly Income: 25000
Zip Code: 33030

Message:

Hi Yazmin,

As we are sure you’re aware, With a credit score of 546, we are really limited with our ability to help you with options. Your income level should easily handle the payments, but the interest rate will still be very high.
America Loan Service will send you an email with the lender that best suits your credit score and loan requirements. You can contact the lender directly by clicking on the link within the email. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. Wishing you success in finding what you are looking for.


Reply to: Yazmin**


Application from: Danean**

City: Parkersburg
State: West Virginia
Credit Rating (FICO): 546
Profession: part-time student and a homeschool mom
Amount Requested: $50000
Age: 42
Current Debt: 60,000-80,000 -(most is mortgage)
Yearly Income: 26000
Zip Code: 26101

Message:

Loans have beccome a way of life without filing bankruptcy. Due to lack of support I just do what I have to for my children. I stay persistant although realistically I could file for bankruptcy, but I refuse. There is always a solution to every problem.

Hi Danean,

With your credit rating at 546, we would suggest that your speak to your mortgage provider and restructure your debt first if you can to lower your overall monthly payment. Adding an additional loan will drown you in debt.


Reply to: Danean**


Application from: Traci**

City: Boron
State: California
Credit Rating (FICO): 546
Profession: Homemaker/Student
Amount Requested: $15000
Age: 51
Current Debt: 8000
Yearly Income: 67000
Zip Code: 93516

Message:

looking to pay down debts between myself & fiance

Hi Traci,

We have a lender we can recommend and will email you the information today.

Cheers,


Reply to: Traci**


Application from: Miesha*

City: Huntsville
State: Texas
Credit Rating (FICO): 527
Profession: Assembler
Amount Requested: $3000
Age: 29
Current Debt: 7000
Yearly Income: 23000
Zip Code: 77320

Message:Here are two options for you.

Bad Credit Unsecured Personal Loan from $500 to $5,000

Any Credit Score Can Apply

bad credit score repair


Reply to: Miesha*


Application from: BETTY*

City: Las Vegas
State: Nevada
Credit Rating (FICO): 540
Profession: RETIRED
Amount Requested: $50000
Age: 82
Current Debt: CREDIT CARDS - MORTGAGE
Yearly Income: 52000
Zip Code: 89130

Message:ANY POSSIBILITY TO SECURE A LOAN WITH SUCH A LOW CREDIT SCORE? Hi Betty, You will need to use your home as collateral.

Home Equity Loan Offers Online

Mortgage Refinancing Options


Reply to: BETTY*


Application from: Terri*

City: Rock hill
State: South Carolina
Credit Rating (FICO): 540
Profession: Manager
Amount Requested: $50000
Age: 51
Current Debt: 50000
Yearly Income: 49987
Zip Code: 29730

Message:My payments are about $3200 a month i need to cut that in half Hi Terri, You will need to improve your credit score first or use your home for collateral. Here are two options.

bad credit score repair

Home Equity Loan Offers Online

Mortgage Refinancing Options


Reply to: Terri*


Application from: Nicole R*

City: Niles
State: Ohio
Credit Rating (FICO): 592
Profession: Supervisor
Amount Requested: $
Age: 46
Current Debt:
Yearly Income: 32000
Zip Code: 44446


Reply to: Nicole R*


Application from: Janon R*

City: Atlanta
State: GA
Credit Rating (FICO): 612
Profession: Event coord
Amount Requested: $50000
Age: 39
Current Debt:
Yearly Income: 85000
Zip Code: 30350

Message:Hi Janon, We have a couple of options for you to try.

Home Equity Loan Offers Online


Reply to: Janon R*


Application from: Jeffery F*

City: Reno
State: Nevada
Credit Rating (FICO): 606
Profession: Small Business Owner. (Pet Industry)
Amount Requested: $50000
Age: 48
Current Debt: Credit Card
Yearly Income: 35000
Zip Code: 89433

Message:Looking for capital to payoff current debt and buy a franchise business to start another business, my back is starting to go out if I stay in the current business, when that franchise business takeoff I'll sell my current business for $60,000+. I want to be able to make payments on the loan and not just sell my business until the other business is up and running with a revenue income coming in. We all know that it takes time for a business to start creating revenue. If you can help please contact me. Hi Jeffery, Try this company for a business loan.

Lending Club Business Loan


Reply to: Jeffery F*


Application from: Lynette*

City: cream ridge
State: NJ
Credit Rating (FICO): 560
Profession: Profession not given
Amount Requested: $2000
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 8514

Message:Hi Lynette, Give this a try.

Bad Credit Unsecured Personal Loan from $500 to $5,000

Any Credit Score Can Apply


Reply to: Lynette*


Application from: Ronald S*

City: hollow rock
State: TN
Credit Rating (FICO): 579
Profession: Truck driver
Amount Requested: $20000
Age: 46
Current Debt: 4000
Yearly Income: 40000
Zip Code: 38342

Message:Hi my home burnt down have half a house built back, Looking to rebuild

Mortgage Refinancing Options

Home Equity Loan Offers Online


Reply to: Ronald S*


Application from: Ron*

City: hollow rock
State: TN
Credit Rating (FICO): 579
Profession: Truck driver
Amount Requested: $20000
Age: 46
Current Debt: 4000
Yearly Income: 40000
Zip Code: 38342

Message:Hi my home burnt down have half a house built back, Looking to rebuild

Home Equity Loan Offers Online


Reply to: Ron*


Application from: Derick W*

City: Allen
State: TX
Credit Rating (FICO):
Profession: software Developer Analyst
Amount Requested: $10000
Age: 49
Current Debt:
Yearly Income: 70000
Zip Code: 75002

Message:I had a heart attack a couple of years ago and have finally finished paying off the medical debt from the 4 surgeries I had but I played a dangerous game and did it with the help of payday loans. My credit is terrible and I need help. I am paying 925 dollars per check for 4 payday loans and would like to get some relief I could easily pay back a loan at 350-400 per check (I get paid twice monthly). I just looking for some help and would like to pay NO fees and start this repayment by the end of the month and would like to ideally have it paid off before the end of the year. Not sure of your credit score, but guess it's not that good after what you've been through. Try this company, they are not as driven by credit score.

bad credit personal loan options

If you own your own home, check out this link

Mortgage Refinancing Options

Do you have a co-signer?


Reply to: Derick W*


Application from: Brandon C*

City: Louisville
State: Mississippi
Credit Rating (FICO): 540
Profession: Boiler operator
Amount Requested: $5000
Age: 30
Current Debt: 30000
Yearly Income: 42000
Zip Code: 39339

Message:

Hi There,

If you missed payments or in collections, you may not get a loan offer from anyone

Bad Credit Unsecured Personal Loan from $500 to $5,000

Any Credit Score Can Apply

If you have assets to use as collateral, we would suggest a secured loan, try this home equity link below. If will cost you less in interest if you can qualify for a secured loan.

Home Equity Loan , Home Refinance, Reverse Mortgage, HELOC

Home Equity Loan Offers Online

If your credit score is in the 500's, it will not take you that long to get it over 600's with a bit of work. Take a look at the credit repair offer we have developed. It will save you more than money over the long term. Check it out below.

Improve Your Credit Score Before You Apply with Novita

Credit Repair Services


Reply to: Brandon C*


Application from: Robin

City: Michigan City
State: IN
Credit Rating (FICO): 571
Profession: Therapist
Amount Requested: $5000
Age: 32
Current Debt:
Yearly Income: 49000
Zip Code: 46360

Message:

Had a family emergency and need the loan to pay for it.  Hoping you can help


Reply to: Robin


Application from: Akin*

City: San Jose
State: CA
Credit Rating (FICO): 520
Profession: Engineer
Amount Requested: $100000
Age: 34
Current Debt: 155000
Yearly Income: 160000
Zip Code: 95123

Message:Looking to consolidate all my debts, I have the cash flow and work history but unfortunately due to hardship from failed investment my sredit went bad and I need to consolidate my debts to allow me payoff gradually

Reply to: Akin*


Application from: Jodi*

City: Vincennes
State: Indiana
Credit Rating (FICO): 563
Profession: Daycare Supervisor
Amount Requested: $4000
Age: 46
Current Debt: 4000
Yearly Income: 38000
Zip Code: 47591

Message:Needing $4000 to pay past due rent I am facing eviction due to trying to catch up rent payments I am falling behind on my regular monthly bills. I do work full time but my income is all I have. The main bill right is the past due rent. I am working with my landlord but he is wanting the lump sum altogether. Please contact me at the above email address. Thank you! Hi There, Did you find the loan you were looking for? You can try this for a smaller loan amount. https://www.badcreditloans.com/?aid=11093&cid=1472¬e={SUBID}&atrk={CLICK_ID} Bad Credit Loans – Where Credit Doesn’t Have To Be A Problem www.badcreditloans.com Do you have bad credit and need a loan? Find a loan option through our secure network of online and storefront lenders. One online application is all it takes! Gerald Proctor America loan Service Mountain View, California 94040

Reply to: Jodi*


Application from: Nicole

City: Newark
State: DE
Credit Rating (FICO): 590
Profession: Profession not given
Amount Requested: $4000
Age: Age not given
Current Debt: None
Yearly Income: Income Not Specified
Zip Code: 19701

Message:

Hi , I recently was in a bad accident and was in the hospital for 4 months and my landlord didn’t care so I have to move by the end of the week . I work and make close to 20 an hour so I have the ability to pay it back .


Reply to: Nicole


Application from: Pamela

City: San Francisco
State: California
Credit Rating (FICO): 585
Profession: Registered Nurse
Amount Requested: $15000
Age: 52
Current Debt: Small loans
Yearly Income: 134000
Zip Code: 94122

Message:

I am in the process of getting my financial situation in a better position. I am hopeful americaloanservice will be able to make that happen. Thank you kindly, Pamela


Reply to: Pamela


Application from: judith

City: wheatland
State: MO
Credit Rating (FICO): 656
Profession: Profession not given
Amount Requested: $5500
Age: Age not given
Current Debt: 4500
Yearly Income: Income Not Specified
Zip Code: 65779

Message:

hi I am looking for a personal loan with a lower interest rate so I can pay off my auto loan can you posdibly help me


Reply to: judith


Application from: Kelly

City: Bellingham
State: WA
Credit Rating (FICO): 425
Profession: Mental Health
Amount Requested: $8000
Age: 37
Current Debt: School debt, credit debt and my car
Yearly Income: 54000
Zip Code: 98229

Message:

Desperately looking for someone to be able to just take a chance and give me a loan to help, I know once I get this loan I will be able to repay and get back on track and build my credit back up.


Reply to: Kelly


Application from: Tash

City: College Point
State: NY
Credit Rating (FICO):
Profession: Profession not given
Amount Requested: $12000
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 11356

Message:

I would like to apply for the loan. Please advise of what steps I need to take.


Reply to: Tash


Application from: Roger

City:
State: TN
Credit Rating (FICO): 540
Profession: Welder
Amount Requested: $60000
Age: 41
Current Debt: 8400
Yearly Income: 29000
Zip Code: 38229

Message:

We have a signed contract on a rent to own property we have been living in. Last appraisal was 71,000. In contract, seller is selling to us for 45,000. We have paid in 5,500 already. Looking to borrow 60,000 with property (house, 2 car garage and 2 acres) as collateral. The 60,000 will be used to pay off seller (@40,000); pay off all debts (8,400) and get a new a/c unit. Any balance left over will be put in emergency fund. By doing this it will bring everything we owe to one payment and allow us to live off one income. The income from wife (currently staying home with 1 1/2 year old and watching other kids to bring in some income) would go straight into savings so we dont end up living paycheck to paycheck and build our savings and emergency fund. We need someone who will help us get a fresh start and back on the right track. Thank you for your time and consideration.


Reply to: Roger


Application from: Cheryl

City: Lafayette
State: CA
Credit Rating (FICO): 650
Profession: Profession not given
Amount Requested: $50000
Age: Age not given
Current Debt: 10000
Yearly Income: Income Not Specified
Zip Code: 94549

Message:

Hello, looking for a personal loan to pay off husband’s debt of mortgage. I’m self employed no taxes. I can provide a co-signer if needed. Thank you!


Reply to: Cheryl


Application from: David

City: Atlanta
State: Georgia
Credit Rating (FICO): 510
Profession: Security
Amount Requested: $5000.00
Age: 32
Current Debt:
Yearly Income: 24120
Zip Code: 30318

Message:

Please can someone give me feedback. Please email me or give me a call Thanks.


Reply to: David


Application from: Troy

City: Douglasville
State: Georgia
Credit Rating (FICO): 520
Profession: Profession not given
Amount Requested: $3500
Age: 39
Current Debt: 0
Yearly Income: 20000
Zip Code: 30135

Message:

None


Reply to: Troy


A
Anthony

March 31st, 2019

Hi Troy -

Unfortunately, due to the laws around lending and fair credit in the state of Georgia, our lenders are unable to fund private personal loans to those with bad credit.

My recommendation would be to visit a local Credit Union as their guidelines are to help those that live within the community.

Regards,

Application from: Kim

City: Bluff City
State: TN
Credit Rating (FICO): 550
Profession: Automotive Lab Technician
Amount Requested: $16000
Age: 55
Current Debt: 16000
Yearly Income: 56000
Zip Code: 37618

Message:

I am in desperate need to consolidate high interest debt to one payment.


Reply to: Kim


Application from: samuel

City: farrell
State: PA
Credit Rating (FICO): 600
Profession: Educator
Amount Requested: $2000
Age: Age not given
Current Debt:
Yearly Income: 38000
Zip Code: 16121

Message:

I am looking for a private lender to help me pay my property taxes. I have the ability to repay at flexible terms. My income has been direct deposited to the same bank since 1995. I can send you supporting documents.


Reply to: samuel


A
Anthony

April 29th, 2019

Hi Samuel -

I am sending a link to one of our lenders that may consider your application for a private personal loan.  I am not sure which bureau you pulled your credit score from as they can differ as much as 20 points.  As PA has very stringent lending guidelines around fair credit, not all lenders are able to lend in your state.  Here is the link - best of luck!

Upgrade

Application from: Connor

City: Philadelphia
State: PA
Credit Rating (FICO): 571
Profession: Contractor
Amount Requested: $10000
Age: 27
Current Debt: Legal fees to NJ
Yearly Income: 40000
Zip Code: 19134

Message:

I have many flip projects that a business associate of mine would like for me to take over managing as his GC. I presently owe roughly 7k to NJ for legal fees that are holding my license under suspension and of course in order to effectively manage the large amount of work Im being presented with I'll need to resolve these debts rather expeditiously as well as purchase a vehicle in order to fulfill my role for him.


Reply to: Connor


L
Leyna

June 4th, 2019

Hi Conner,

Unfortunately, due to the laws that the state of PA has around lending to those with poor credit, we do not have a lender in your state.  I would recommend that you approach your local credit union as their mandate is to help those in the community and their guidelines are less rigid.  As well, if you had a co-signer with good credit the Credit Union may be more apt to help.  In the meantime, I recommend that you use Novita Financial, a free online program to help you repair your credit quickly.  Once you have your score over 600 you will have more options to choose from with better rates and terms.  Here is the link:

Novita Financial

Best Bad Credit Loan

Personal Unsecured Bad Credit Loan in Pennsylvania

Best of luck,

Leyna

Application from: Lenise

City: Spruce Pine
State: North Carolina
Credit Rating (FICO): 579
Profession: Teacher
Amount Requested: $2000
Age: 53
Current Debt: Virtually no debt - small loan balance $300
Yearly Income: 56000
Zip Code: 28777

Message:

The information on my credit reports is 80% inaccurate. I am working with a law firm now to fix this.


Reply to: Lenise


L
Leyna

June 23rd, 2019

Hi Lenise -

Thank you for reaching out to America Loan Service.  I see that you are looking for a private personal loan of $2,000.  So glad to hear that you are getting help to clean up your credit report which will boost your score.  As well, you may want to join Novita Financial a free online program that will work with you as you rebuild your credit.  

Unfortunately, due to the stringent lending laws in NC around poor credit, we are unable to help at this time.  Once your score is over 600 we will be able to recommend a lender.

For more information, click here: Best Bad Credit Loan

 

Application from: Geoffrey

City: Haddonfield
State: NJ
Credit Rating (FICO): 552
Profession: Profession not given
Amount Requested: $20000
Age: 61
Current Debt:
Yearly Income: 32000
Zip Code: 8033

Message:

I seek a $20k Business Startup Loan, to establish a Pre-Owned Wholesale/Retail/Export Independent Automobile Dealership. I have garnered a network of Nationwide Dealerships & Auction Houses with which to do business. I seek a 60-monnth Term (with No Prepayment Penalty); but, I should be able to remunerate the Lender within 90-120 days. I am a Functionally Disabled Navy Vietnam-Era Veteran, who is trying to secure his future through Entrepreneurship.


Reply to: Geoffrey


L
Leyna

June 23rd, 2019

Hi Geoffrey

I see that you are looking for a private personal loan to start a business.  We do have a couple of lenders that have business loans and lines of credit for businesses.  

The issue you will have is that you live in NJ where the lending laws around poor credit are very stringent.  See Bad Credit Loan.

In order to get an unsecured personal loan for business purposes, your Credit Score needs to be over 700 or your annual income in the business $100,000 Plus.  

If you own your home, I would recommend a secured personal loan.

Best of Luck,

 

Application from: Kevin

City: Sunrise
State: Fl
Credit Rating (FICO): 530
Profession: Elevator Tech
Amount Requested: $2000
Age: 35
Current Debt: Credit cards 600
Yearly Income: 38000
Zip Code: 33313

Message:

Need to catch up on bills .


Reply to: Kevin


L
Leyna

August 9th, 2019

Hi Kevin -

We do have several lenders that approve bad credit loans.  I will send the links along with a link to Novita, a free online program that will help you rebuild your credit so you can apply for a loan with better terms and rates.

Here are the lenders:  

Bad Credit Loans (they lend up to $35,000)

Bad Credit Loan (2)

Best of Luck,

Leyna

Apply now

Please fill in the following form to apply with us. Please only give your first name Your personal information will not be shared... ever!



Top