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18 Year Unsecured Loan Of $100000 With A Bad FICO Credit Score Of 403

An unsecured bad credit loan provides capital without having to use your personal assets like your home or vehicle to secure the loan. If you're looking for a $100,000 unsecured bad credit loan, we've listed a few options below. Notable options for $100,000 is SoFi. SoFi is a great option if you've not had time to build your credit score and you're just out of university into a new job with a good to great salary. Business loan providers offer unsecured bad credit loans with credit scores starting at 500. Co-signing is another great option. With 90% of student loans being co-signed in America, this is a common practice. We have listed an online lender that provides co-signing up to $40,000. We have also listed many financing options if you are forced to use your personal assets to secure the loan. Your options are limited when your credit is damaged and we hope we've helped you to find your solution. 

Loan Application Requirements
Lenders are looking for three basic items when you apply for an unsecured loan. They will look at your credit score, your income and compare your debt to income ratio. Debt to income simply means that they will look at your monthly salary and your current expenses and see if you can afford another loan payment. They call this your debt to income (DTI) ratio. We have placed a debt to income calculator at the bottom of this page to help you figure out your DTI ratio. Most lenders will not lend if your DTI is above 50%. The lenders will take all of this information to see if they consider you a safe risk for an unsecured loan. If you are looking at debt consolidation, make sure to remove the payments on the loan and credit cards you are paying off.

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 $1,000 to $100,000. When banks consider a 620 credit score a high risk, online lenders are happy to receive your loan application.  

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.

Unsecured Bad Credit Loan Providers

A bad credit loan definition is referring to a credit score. When a credit score is below 580, this is typically referred to as bad credit. If your searching for a loan with a credit score below 580 without collateral, you are applying for an unsecured bad credit loan.

What you can expect when you apply for a bad credit loan: 

  • Loan amounts normally do not exceed $5,000
  • The term of a bad credit loan is much shorter with the longest around 36 months 
  • Interest rates will be much higher with some starting over 25%

Best Secured Bad Credit Loan Options

Most lenders are looking to provide money to people with security. The lenders want their money to be protected with your assets for collateral. If you do try to apply for a loan with bad credit, having security can go a long way. Security refers to the equity in your home, refinancing your vehicle or finding a co-signer. The lender will place a lien against your asset to secure the loan. Even when you are using security, it can be difficult getting aa secured loan. Lenders still check your payment history as they do not want to risk having to repossess your assets. If you are planning on using security to secure your loan, you are risking the possibility of losing your assets if you default on the loan payment.

Secured Home Loan Options

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 to fair credit score. The home equity provider we have listed has consolidated over 1,500 companies to give you the greatest chance to qualify for a loan.  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.   

Secured Auto Purchase and Refinance

LendingTree offers hundreds of auto lenders that will help you buy the new car or refinance your existing vehicle.  This can be a great way to get capital out of an asset. This provider can refinance your vehicle and get your capital back to you.

Bad Credit Auto Financing

If you are searching for an auto loan up to $45,000, look no further.  This auto loan provider specializes in auto loans for any credit score. Give them a try today. Auto loans -- Bad Credit? No Credit? No Problem!

Auto Loans

Asking your Family or Friends

Once you’ve reviewed the bad credit loan offers, consider offering the same interest to your family members with some form of security.

Co-Signing or Joint Signing

FreedomPlus specializes in co-signing with loans up to $40,000. If you are considering co-signing or asking someone to co-sign, we have provided information that explains the pros and cons of co-signing.

Free Credit Score Repair

Novita offers a free service credit score rebuilding program 

Research your Credit Score and Credit History

It's always a good idea to check your credit score and credit history before applying for a loan. Look through the report and check and see if you agree with everything 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. 

Unsecured Payday Loan Debt Consolidation: $500 to $5,000

Consolidating payday loans with 400% to 1500% interest rates will save you money. OppLoans offer an installment loan which provides equal payments over a set period of time to get rid of payday loans.

Payday Alternative Loans (PAL's)
The Credit Union works alongside the US Federal Government have developed a program called Payday Alternative Loans (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.

 

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 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 home. Before you take this step, LendingTree will provide you information on the pros and cons of reverse mortgages.

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.

Credit Card Hardship Program

You can call the hardship department with credit card providers and request a new payment plan. Depending on the circumstances, the credit card provider may suspend use of the credit card until it's paid off in full. This is a much better step than letting the credit card go to collections.

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. 

Bad Credit Unsecured Loan

Unsecured loans do not require any type of collateral and if you have bad credit, especially with collections on your file, you may be forced to apply for a secured loan. The lender is providing money based on your word of repayment. This is a riskier investment for lenders and they normally charge higher interest rates than a secured loan. If you have an excellent credit score and a solid credit history, interest rates can be similar to a secured personal loan.

Case Study For $100000 Personal Loan with Bad Credit

We were contacted by Ma searching for a loan for $100,000 with a credit score of 403. Ma wanted the unsecured loan to renovate his home. He was forced to sell his property and had to remodel before he sells his home. Ma had a large amount of equity in their property and was willing to use the security from their home. It was a very expensive interest rate for him to get this loan and he could only get a home equity loan (second mortgage) with a registered lien against his property.

America loan Service provided this list of options to Ma and he was successful in getting financed for a $100000 loan.


Ma has an unsecured loan from previously of $26,000 provided by The Franklin National Bank 

Starting Interest Rate (APR) Remaining principleLender nameLender cityLender StateLoan Obtained
9.0% APR $16941.86 outstanding Indian Head Bank North Littleton New Hampshire
10.0% APR $19525.55 outstanding First & Ocean National Bank Seabrook New Hampshire
11.4% APR $24288.5 outstanding Ocean Bank Portsmouth New Hampshire

Unsecured loan for $100000 in New Hampshire near 3055

Applying Often will Affect Your Credit Score

 If you apply too often or with too many providers it can damage your credit score. Once accepted, individuals also undergo alterations to their credit. Ma experienced diverse variations to their credit over the course of the acceptance of this $100000 loan.

  • On the Equifax rating system, Ma had a 403 credit rating, a bad credit rating
  • Ma had a credit rating on the Transunion rating system of 420, which is looked upon by lenders as bad credit
  • Ma had a credit score on the Experian rating system of 435, which is looked upon by lenders as bad credit

Data on the loan provider named The Souhegan National Bank of Milford from Milford, New Hampshire which provided the $100000 secured loan

  • The Souhegan National Bank of Milford
  • Street Address: Nashua Street
  • Branch city: Milford
  • Branch state: New Hampshire
  • Branch zip code: 3055
  • Branch County: Hillsborough

Ma has an Equifax score of 403. This is a bad credit score

Fico Score: 403

Ma has a Transunion score of 420. This is a bad credit score. Credit ratings like that of Ma impact lending decisions

Transunion Score: 420

Ma had an Experian rating of 435, regarded as a bad credit score. These bad credit scores may hugely change results.

Experian Score: 435

Ma's comment after visiting The Souhegan National Bank of Milford at Nashua Street:  The bank was able to provide me and my partner a loan with 8.5% interest primarily on the security provided. The loan amount of $100000 was approved to complete repairs on our home. 

Ma, a client from Milford, originally asked regarding a loan of $100000. They wanted an unsecured loan.

New Hampshire says greetings via Ma of Milford in Hillsborough County. I'm looking for an unsecured loan but I have bad credit. I am aware that people with bad credit have different experiences procuring an unsecured loan, but am asking for some assistance anyway. I will consider a secured loan but really do not want too

Thanks, Ma.

Client Details: Ma 
  • County: Hillsborough
  • Home State: New Hampshire
  • Current zip code: 3061
  • Current income: $57,000
  • Profession: soil scientist
  • Credit Card Debt: $8000 on their BB&T Visa Corporate Card

Free Credit Repair Help: When You Cannot Qualify for a Loan

Credit Score Repair Struggling to Find the Financing You Require? Take Advantage of this Free Credit Repair Trial

    Yes, it is all about your credit score. Lenders, whether online or traditional put great emphasis on a person's credit score.  The higher the credit score the lower the risk. An important note when applying online.  Lenders will do a soft pull first before they approve your application.  This will not affect your score if you are not approved.  If your application is approved, some lenders will then do a 'hard pull' but this will not affect your score as you have already been approved.

     Excellent Credit (720 +) Banks and established lenders prefer to lend money to those with a credit score of 700 and higher. There is very little risk of a missed payment.  A person with this credit score has many options available to them when they need extra cash.  Better Terms.  Better Interest Rates. The amount of money a lender is willing to risk is greater when they know they have a better chance of full repayment on time are very high.  For a lender, this is a safer risk and will lend up to $100,000.

     Good Credit (680 +) The majority of online lender offer to lend money to those whose credit score is 680 or better.  The interest rates are very good and they offer loans from $1,000 and up to $50,000.  They will assess your ability to repay (DTI) and can approve your application within minutes. 

    Fair Credit (600 - 680) There are specialized online lenders that will lend money to those with a fair credit score. The interest rates will be slightly higher and repayment terms shorter.  Lenders loan 'safer' amounts of money capping at $25,000. to ensure that they are repaid the loan within the allocated repayment term. These lenders will look at the complete credit history - a length of time you have had your credit cards, work history, salary.  If your credit reports show that you are working to repair your credit, they will also take that into account.  Some will allow you to have a co-signer as long as they qualify.

    Bad Credit (600 and less) On-line lenders may approve your loan but for a smaller amount.  They will be very concerned about your salary and work history.  Rates will be very high and repayment terms very short.  Sometimes this is the only option other than family to repay or consolidate existing debt.  Having a co-signer or collateral is very important. The interest rates will be high and the lender would prefer you to have a co-signer and/or security (equity in your home).  If your credit score is below 600, lenders see this as a huge red flag.  If your score is low because of fraud, they wonder why you haven't taken the steps to repair it.  They will scrutinize your report to see who you owe money to, how many payments were missed, how many times you have applied for a loan and been turned down.  This means you are an even greater risk that the lender will need to chase you for payments and risk losing the money they lent you.

    Very poor Credit (400 - 550) Payday loans, installment loans, and cash advance loan companies may lend to those with very poor credit scores, but the interest rates are extremely high and the expectation is that you will repay the loan within a few weeks to a maximum of 12 months. They will definitely look at how your Debt to Income (DTI) ration to see if you are even able to repay the loan. If you are already strapped for cash to pay off existing loans and credit cards, a loan of this type can very well crater your financial position.  

    WORK HISTORY 

    It is very important for a Lender to know if you are working full-time, how long you have been at your place of employment and how much you earn annually.  They look at your ability to repay the principal and interest that they have loaned you. YOur work history and salary are a very good indicator as to your ability to repay the money you are borrowing.  Depending on your credit score, the lender could review your current and new debt (credit cards, loans, student loans) to assess your debt to income ratio.  This is done by adding up credit card minimum payments, monthly loan payments, monthly alimony, and child support payments, monthly mortgage (principal, interest, insurance & property tax) or rent payments and any other debt you may have.  (Your living expenses such as groceries, gas, utilities, and taxes are not included in this calculation). Divide the monthly loan, credit card, rent or mortgage payments by your gross monthly income (before taxes) This will give you your DTI (Debt to Income) percentage.  The lower your DTI, the less of a risk you are to lenders. If lenders discount your child support, utilities or any other amount from your debt report, you should not. You need to be comfortable making this payment because it's going to be with you for a very long time.  

    These are the following DTI brackets and what they mean to you and a lender:

    35% or less.  A lender views this number as it means if they lend you the money you as a borrower are less risky to lend money to.  It appears that you understand debt and the terms of repayment.  It shows a prospective lender that compared to your income, your debt is at a manageable level and you have the ability to manage new debt.

    36% - 49%.  If your DTI (Debt to Income) falls into this percentage bracket it is an indicator that with your salary, you are managing your debt adequately.  There is room for improvement.  If your DTI falls within this bracket a lender may ask that you meet additional criteria before they will lend you money.

    50% or higher.  This bracket states that you are not managing your debt very well compared to what your monthly income is.  It would appear that you have very limited funds to spend on any additional new debt.  This bracket shows that over half of your salary is already allocated to existing debt.  A lender may limit your borrowing.  (less money, higher interest, shorter terms) 

    What does this mean to you?  You may have a credit score of 700 - need $5,000 to pay off a couple of high-interest credit cards.  If the term was 36 months and the interest 19.95%, your monthly payment would be $185.69. If you are earning $2,000 a month and your rent is $700, credit card(s) monthly minimum payment is $400,  vehicle loan - $150, student loan - $250 plus the payment of the new loan your DTI is 85%. A lender would assess that based on your DTI, your ability to repay a new loan is extremely high risk and would not approve your application.   Another example is if your credit score was 650, and the previous criteria are the same, except you earn $4,000 a month, your DTI would be 42%.  A lender would be much more willing to lend you money and may approve your application for $5,000 as you would not be considered a high-risk borrower. 

    While the articles highlighted are true, the names and some locations have been changed to protect identities. America Loan Service would appreciate your input regarding our work. When writing to us, please do not give America Loan Service your last name and try to keep the information in your private information quite general. It is the overall subject that people relate with and we appreciate your comments. We will respond to your emails and provide financial advice in a timely manner. You can also text us directly from our site during regular working hours. When you send your story, they will be reviewed within 24 hours and you will be notified if they are published.

    Past Applications

    Application from: Charles D**

    City: Houston
    State: Texas
    Credit Rating (FICO): 780
    Profession: Registered Nurse
    Amount Requested: $115000
    Age: 50
    Current Debt: 60000
    Yearly Income: 89000
    Zip Code: 77083

    Message:

    Hi Davis,

    We emailed you the best lender for your loan. Sofi offers loan from $5,000.00 to $100,000.00.

    Thanks for applying at America Loan service.

    Regards,

    Gerald Proctor


    Reply to: Charles D**


    Application from: Marlin W**

    City: CHUNCHULA
    State: AL
    Credit Rating (FICO): 607
    Profession: Federal law enforcement
    Amount Requested: $100000
    Age: 48
    Current Debt: 100000
    Yearly Income: Income Not Specified
    Zip Code: 36521

    Message:

    I am able to make a 1000 a month payment. Total payments now are over 3000.

    Hi Marlin,

    We deal with many lenders and most of them offer up to $35-$50,000.00 as their maximum funding limit. The loan providers that offer $100,000.00 amount typically require a credit score of 720 plus and an annual income of $80,000.00 per year. If you have the ability to use something for security, you will have a much chance of getting a $100K in financing.


    Reply to: Marlin W**


    Application from: Oteasa**

    City: hinesville
    State: GA
    Credit Rating (FICO): 527
    Profession: Profession not given
    Amount Requested: $100000
    Age: Age not given
    Current Debt: 10000
    Yearly Income: Income Not Specified
    Zip Code: 31313

    Message:

    Hi Oteasa,

    We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 527, we are limited on the lenders we can recommend. America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we sent you can help with your request of $10,000.00 for a personal loan.


    Reply to: Oteasa**


    Application from: Meyer

    City: Biscoe
    State: North Carolina
    Credit Rating (FICO): 721
    Profession: retail customer service representative
    Amount Requested: $57000
    Age: 54
    Current Debt: 33,000
    Yearly Income: 7,000
    Zip Code: 27209

    Message:

    I have not good credit. how do we fix it any advice. how many months to raise our score


    Reply to: Meyer


    Application from: Aron P**

    City: Oak Forest
    State: Illinois
    Credit Rating (FICO): 400
    Profession: Therapy Coordinator
    Amount Requested: $100000
    Age: 46
    Current Debt: 33000
    Yearly Income: 24000
    Zip Code: 60452

    Message:>Hi Aron, We do not know of a lender that offers loans for $100,000.00 with a credit score of 400 and an income of $24,000.00 unless you have a home or property for security. If you do, we would recommend that you speak directly to the lender that holds your mortgage. The lenders that we work with will only offers $100,000.00 loans when your annual income exceeds $80,000.00/year with a credit score of 720. Good luck.

    Reply to: Aron P**


    Application from: Carmina

    City: North Platte
    State: Nebraska
    Credit Rating (FICO): 677
    Profession: casting director
    Amount Requested: $48000
    Age: 22
    Current Debt: 48,000
    Yearly Income: 40,000
    Zip Code: 69101

    Message:

    going through a divorce and I require a loan to pay off all debts that we have jointly. We live in North Platte Nebraska so please let us know about the cheapest loan provider for our state.


    Reply to: Carmina


    Application from: Lachisha*

    City: El paso
    State: Texas (TX)
    Credit Rating (FICO): 620
    Profession: Cashier
    Amount Requested: $2000
    Age: 34
    Current Debt:
    Yearly Income: 2500
    Zip Code: 79904

    Message:Hi Lachisha, Give this a try. https://americaloanservice.com/apply-online

    Reply to: Lachisha*


    Application from: Eric*

    City: Evansville
    State: Indiana
    Credit Rating (FICO): 520
    Profession: Profession not given
    Amount Requested: $100000
    Age: 40
    Current Debt: 10000
    Yearly Income: 40000
    Zip Code: 47714

    Message:>Hi Eric, To qualify for a $100,000.00 unsecured loan, you will require a credit score of 725+ and an annual income of $85,000.00/yr. We would suggest applying for a secured loan at a local credit union using your home or some other form of collateral. We can not off any other suggestions.

    Reply to: Eric*


    Application from: Wendy*

    City: Honolulu
    State: HI
    Credit Rating (FICO): 627
    Profession: Profession not given
    Amount Requested: $100000
    Age: Age not given
    Current Debt:
    Yearly Income: 108000
    Zip Code: 96822

    Message:I am looking for 100k to consolidate all unsecure debt. Hi Wendy, Do you have a property you can use for security? We would suggest that you try a local credit union.

    Reply to: Wendy*


    W
    Wendy*

    June 12th, 2017

    I do not have property. I have also tried with the local credit union and was denied after they ran my credit 3 times which did not help my situation. I have 100% on time payments but need to consolidate Hi Wendy, You forgot to fill out the form. We really can;t help you until you fill out this application form. Come back and see us again.

    Application from: Diane**

    City: RIALTO
    State: CALIFORNIA
    Credit Rating (FICO): 600
    Profession: Profession not given
    Amount Requested: $100000
    Age: Age not given
    Current Debt: 100000
    Yearly Income: Income Not Specified
    Zip Code: 92377

    Message:>Hi Diane, Without your income and profession, we cannot send your debt consolidation loan request to anyone. Please contact us again with your info. Good luck

    Reply to: Diane**


    Application from: Sissy

    City: Elmhurst
    State: Illinois
    Credit Rating (FICO): 717
    Profession: securities broker
    Amount Requested: $132000
    Age: 51
    Current Debt: 49,000
    Yearly Income: 40,000
    Zip Code: 60126

    Message:

    I have average credit. what do we nned to do to get a bettr score we need some help. how many months to increase our score


    Reply to: Sissy


    Application from: Kiser

    City: Sarasota
    State: Florida
    Credit Rating (FICO): 719
    Profession: preschool administrator
    Amount Requested: $24000
    Age: 23
    Current Debt: 12,000
    Yearly Income: 42,000
    Zip Code: 33578

    Message:

    fico score is not bad. wanting money to get a student loan thanks for information


    Reply to: Kiser


    Application from: David*

    City: Saint Petersburg
    State: Florida
    Credit Rating (FICO):
    Profession: Medical Executive
    Amount Requested: $99000
    Age: 45
    Current Debt:
    Yearly Income: Income Not Specified
    Zip Code: 33702

    Message:Looking for unsecured loan for debt consolidation >Hi David, You did not provide us enough information to respond to your request.

    Reply to: David*


    Application from: Anthony B*

    City: Wilson
    State: North Carolina
    Credit Rating (FICO): 594
    Profession: Truck Driver
    Amount Requested: $90000
    Age: 39
    Current Debt: Credit card
    Yearly Income: 95000
    Zip Code: 27896

    Message:>Hi Anthony, With the amount of money you are looking for and a credit score of 594, can you build this into a business loan? We are working with Lendio for business loans. Check out their site from the link attached on their name. They have a very extension portfolio for every type of business loan. Very unique business loan product offerings. If you are trying to do this as a personal loan, we started working with Upstart and they are a bank out of New Jersey that is offering loans on the web. They provide personal loans from $1,000 to $50,000.00 Our company does not provide loans, we connect people to companies that we have researched and are paid a fee for providing this service. Good Luck with this Anthony.

    Reply to: Anthony B*


    Application from: Donna

    City: Memphis
    State: TN
    Credit Rating (FICO): 520
    Profession: Concrete/construction business and full time job in pharmaceuticals
    Amount Requested: $200,000
    Age: Age not given
    Current Debt: 100,000
    Yearly Income: 98,000
    Zip Code: 38133

    Message:I am needing a loan to get my business back up and going my daughter got very ill and it took all I had to pay her medical treatment including selling off some of my business equipment now I am getting back up and running with my business so I am asking for a loan to pay off everything I owe and purchase equipment for my business. I am a single mom and a christian through and through, I have always handled everything without having to ask for help, I have always helped others in need and a true believer in giving to charties but now getting over my daughters illness and trying to catch up on everything I just need a little help I would only need the loan for 10 years or maybe less please help me out with this loan. Thank-you and God Bless you, Donna

    Reply to: Donna


    Application from: Robert*

    City: Salt Lake City
    State: Utah
    Credit Rating (FICO): 529
    Profession: Carpentry
    Amount Requested: $50000
    Age: 57
    Current Debt: 10000
    Yearly Income: 35000
    Zip Code: 84116

    Message:I'm looking to buy me a new truck >Hi Robert, We can recommend that you deal directly with the auto provider to get a secured loan against the vehicle you are purchasing. With a 529 credit score, we do not have a online lender that will provide loans for this amount. Regards,

    Reply to: Robert*


    Application from: Ernie

    City: Grayson
    State: Ky
    Credit Rating (FICO): 600
    Profession: Plant Manager
    Amount Requested: $100000
    Age: 40
    Current Debt: 91000
    Yearly Income: 70000
    Zip Code: 41143

    Message:I am an honest person and would pay off the loan. I am just looking for some help to get all of my loans into one payment

    Reply to: Ernie


    Application from: Sonya*

    City: Tuscaloosa
    State: Alabama
    Credit Rating (FICO): 633
    Profession: Nurse
    Amount Requested: $75000
    Age: 52
    Current Debt: 30000
    Yearly Income: 63756
    Zip Code: 35405

    Message:Please gond a lender got me. I need tjos money to try to get my debt dtraohhtened out.

    Reply to: Sonya*


    Application from: Osvaldo G*

    City: Tucson
    State: Arizona
    Credit Rating (FICO): 700
    Profession: Student
    Amount Requested: $100.000
    Age: 21
    Current Debt: No
    Yearly Income: 13.000
    Zip Code: 85705

    Message:Emergency Hi Osvaldo, With your income at $13,000.00, you will not be able to support the payments on $100,000. Is this a student loan?

    Reply to: Osvaldo G*


    Application from: Robert

    City: Salt Lake City
    State: Utah
    Credit Rating (FICO): 529
    Profession: Carpentry
    Amount Requested: $50000
    Age: 57
    Current Debt: 10000
    Yearly Income: 35000
    Zip Code: 84116

    Message:I'm looking to buy me a new truck

    Reply to: Robert


    Application from: Roger

    City: Sinton
    State: TX
    Credit Rating (FICO): 596
    Profession: Profession not given
    Amount Requested: $120000
    Age: 29
    Current Debt:
    Yearly Income: 90000
    Zip Code: 78387

    Message:

    Reply to: Roger


    Application from: Rob*

    City: Walnut Cove
    State: NC
    Credit Rating (FICO): 524
    Profession: Profession not given
    Amount Requested: $100000
    Age: Age not given
    Current Debt:
    Yearly Income: 29000
    Zip Code: 27052

    Message:Hi there, You will require a credit score of 720+ and an income of $85,000.00/year to qualify for an unsecured online loan of $100,000.00

    Reply to: Rob*


    Application from: Mark F*

    City: Newfoundland
    State: Pa.
    Credit Rating (FICO): 650
    Profession: Retired
    Amount Requested: $100000
    Age: 54
    Current Debt: 98,000.00
    Yearly Income: 76000
    Zip Code: 18445

    Message:I have 2 trucks 1 car 1 tractor and a personal loan I am making 3500.00 month payments with no problem I just want to make 1 monthly payment . Thank You Hi Mark, We would recommend a local Credit Union to you. Most online lenders do not offer secured loans. You have great security with your vehicles, your income is good, but your credit rating will cost you. Once you consolidate, your credit rating will improve very quickly.

    Reply to: Mark F*


    Application from: Brianna*

    City: Tampa
    State: Fl
    Credit Rating (FICO): 594
    Profession: Medical Coder
    Amount Requested: $5000
    Age: 32
    Current Debt: credit cards, car payment
    Yearly Income: 43681
    Zip Code: 33634

    Message:My credit is bad but that is due to old troubles mixed with recent. I still make all payments on time. Please help me out Hi Brianna, Here are a few options for you. With your credit rating at 594, you have limited options Personalloans.com offers loans from $1,000 - $35,000.00 with interests rates starting at 5.99% to 35.99% Minimum credit score of 580 We can also recommend one company that offers debt settlement services called national debt relief if you have debt to clear up over $10,000.00 America Loan Service is not a lender, we recommend lenders and financial services. Good luck, Gerald Proctor America loan Service Mountain View, California 94040

    Reply to: Brianna*


    Application from: Fatoumata*

    City: Hammond
    State: Indiana
    Credit Rating (FICO): 600
    Profession: Own a haire business
    Amount Requested: $
    Age: Age not given
    Current Debt:
    Yearly Income: Income Not Specified
    Zip Code: 46323

    Message:I need one off those unsecured loan >Hi Fatoumata, Can you send the amount you require and how long you have been in business

    Reply to: Fatoumata*


    Application from: Melisa*

    City: St Charles
    State: MO
    Credit Rating (FICO): 635
    Profession: Social work
    Amount Requested: $
    Age: 43
    Current Debt: 400,000
    Yearly Income: Income Not Specified
    Zip Code: 63301

    Message:Need a loan for $100,000 which can most likely be paid back in full within 7 months >Hi Melisa, You are showing $400,000. in debt. Is this for a mortgage or property? Do you have assets that you can leverage to get this $100k? If you apply for this as an unsecured personal loan, your interest rate will be very high and this loan will be expensive. To receive the best interest rate, you will need a credit score above 725, otherwise, apply for a secured loan at a credit union or bank.

    Reply to: Melisa*


    Application from: Chris

    City: Stoughton
    State: MA
    Credit Rating (FICO): 650
    Profession: Profession not given
    Amount Requested: $84998
    Age: Age not given
    Current Debt:
    Yearly Income: 77000
    Zip Code: 2072

    Message:Seeking a loan to consolidate all oustanding debt. Thank you

    Reply to: Chris


    Application from: Melisa*

    City: St Charles
    State: MO
    Credit Rating (FICO): 635
    Profession: Social work
    Amount Requested: $
    Age: 43
    Current Debt: 400,000
    Yearly Income: Income Not Specified
    Zip Code: 63301

    Message:Need a loan for $100,000 which can most likely be paid back in full within 7 months Hi Melisa, You applied at America Loan Service looking for $100,000.00 Can you tell us if you have some form of security to apply to this loan? To acquire a personal loan fro $100,000.00, most lenders require a credit score of 750+ and an annual income over $80,000.00 We would suggest that a loan this size be secured with your home or some other asset. It will cost you a lot less in interest costs secured.

    Reply to: Melisa*


    Application from: Osvaldo G*

    City: Tucson
    State: Arizona
    Credit Rating (FICO):
    Profession: Student
    Amount Requested: $100.000
    Age: 21
    Current Debt:
    Yearly Income: 120.000
    Zip Code: 85705

    Message:I'm sponsored student with benefits. I have a salary of 11.000 every month. I can make monthly payment. >Hi Osvaldo, You did not provide us your current credit score information. They will take into account your income. We would recommend LENDKEY for student loan refinancing. They are connected with the local credit unions throughout the USA. With our other student loan refinancing providers, they want a credit score starting at over 700-750. Regards, Gerald Proctor America loan Service Mountain View, California 94040

    Reply to: Osvaldo G*


    Application from:

    City:
    State:
    Credit Rating (FICO): 0
    Profession: Profession not given
    Amount Requested: $
    Age: -57
    Current Debt:
    Yearly Income: Income Not Specified
    Zip Code:

    Message: Are you in need of a loan with 3% interest? Contact us via: infoloanplc01@gmail.com

    Reply to:


    Application from: Celeste*

    City: Riverside
    State: California
    Credit Rating (FICO): 600
    Profession: Student
    Amount Requested: $250
    Age: 27
    Current Debt:
    Yearly Income: 16704
    Zip Code: 92508

    Message:Hi Celeste, We sent you an email with some suggestions.

    Reply to: Celeste*


    Application from: Godwin Umurkoro

    City: Houston
    State: Tx
    Credit Rating (FICO): 520
    Profession: Profession not given
    Amount Requested: $70000
    Age: Age not given
    Current Debt:
    Yearly Income: Income Not Specified
    Zip Code: 77053

    Message:

    Reply to: Godwin Umurkoro


    Application from: scott*

    City: campton
    State: NH
    Credit Rating (FICO): 595
    Profession: self employed
    Amount Requested: $100000.00
    Age: 54
    Current Debt:
    Yearly Income: 100000.00
    Zip Code: 3223

    Message:I was in the process of a loan mod with nationstar mortgage, they kept stalling for almost a year then sold it to SPS. Was modifying with SPS and they sold it to Rushmore after 3 months. Rushmore has been putting my mod off for a year, and I have a lawyer, now they want to foreclose because they say I don't make enough money, my lawyer says I make plenty of money. They just won't modify. They started sending late payments and foreclosure initiated to the credit agency so they have ruined my credit. The only way for me to keep my house is to pay off the amount owed. Really need help. I thank you in advance for time and consideration,and hopefully help. Based on this information, your credit score and the equity in your property, we suggest you go to your local credit union.

    Reply to: scott*


    Application from: Stefan f*

    City: Castro
    State: Ca
    Credit Rating (FICO): 420
    Profession: Assembly
    Amount Requested: $100000
    Age: 32
    Current Debt:
    Yearly Income: 60000
    Zip Code: 94546

    Message:Hi Stefan, We cannot recommend an online lender for $100,000.00 with your current credit score. Would suggest a credit union is you have a property to use as security. If you do not have security, the only option we are aware of is a cosigner or by improving your credit score above 750 to qualify for a loan this size without collateral. If you do find something, please come back and share with us. We will get the information out.

    Reply to: Stefan f*


    Application from: Gerry D*

    City: Waldorf
    State: Maryland
    Credit Rating (FICO): 485
    Profession: Finisher
    Amount Requested: $100000
    Age: 56
    Current Debt: 30000
    Yearly Income: 67000
    Zip Code: 20603

    Message:Hi Gerry, Are you looking for a business loan? We do nto know a lender that will do a persona loan for $100,000 with a credit score of 720+ and income over $85,000.00

    Reply to: Gerry D*


    Application from: Jamillah*

    City: Brooklyn
    State: New York
    Credit Rating (FICO): 525
    Profession: Senior Administrative Assistant Level III
    Amount Requested: $20000
    Age: 51
    Current Debt: 65,000
    Yearly Income: 36768.00
    Zip Code: 11216

    Message:I would appreciate any help that you may be able to offer or any suggestions you may be able to share with me. your assistance will be greatly appreciated. Thank you for your time and consideration to my request Hi Jamillah, New York has strict policies on bad credit lending.

    Reply to: Jamillah*


    Application from: Debbie*

    City: Hutchinson
    State: Kansas
    Credit Rating (FICO): 530
    Profession: Profession not given
    Amount Requested: $62000.00
    Age: Age not given
    Current Debt: $35,000
    Yearly Income: 65000
    Zip Code: 67502

    Message:Looking to borrow $65,000 to pay loan on foreclosure and will repay in 90 days. Renovating farm home (Value $144,000 now) after renovations $225,000. Thank you. Hi Debbie, You will need to refinance and use some of your equity.

    Mortgage Refinancing Options


    Reply to: Debbie*


    Application from: Todd*

    City: Lexington
    State: South Carolina
    Credit Rating (FICO): 791
    Profession: Restaurant Manager
    Amount Requested: $100000.00
    Age: 40
    Current Debt: 30000.00
    Yearly Income: 90000.00
    Zip Code: 29073

    Message:I'm looking for home improvement financing without the hassle of an equity loan. Hi Todd, SoFi is your best bet for your requirements online.

    Reply to: Todd*


    Application from: Todd*

    City: Lexington
    State: South Carolina
    Credit Rating (FICO): 791
    Profession: Restaurant Manager
    Amount Requested: $100000.00
    Age: 40
    Current Debt: 30000.00
    Yearly Income: 90000.00
    Zip Code: 29073

    Message:I'm looking for home improvement financing without the hassle of an equity loan. SoFi is your best bet. Go to our homepage and select personal loans then select excellent credit. You also may want to consider your own bank with your credit score for a longer term than 7 years.

    Reply to: Todd*


    Application from: Todd*

    City: Lexington
    State: South Carolina
    Credit Rating (FICO): 791
    Profession: Restaurant Manager
    Amount Requested: $100000.00
    Age: 40
    Current Debt: 30000.00
    Yearly Income: 90000.00
    Zip Code: 29073

    Message:I'm looking for home improvement financing without the hassle of an equity loan. Try SoFi under personal loans and excellent credit.

    Reply to: Todd*


    Application from: Carlo L*

    City: Staten Island
    State: New York
    Credit Rating (FICO): 500
    Profession: Profession not given
    Amount Requested: $100000
    Age: Age not given
    Current Debt: $360K Mortgage
    Yearly Income: Income Not Specified
    Zip Code: 10312

    Message:I need this loan ASAP. My now ex wife wracked up $132K in debt when we were going through our divorce, but technically still married because the divorce wasn't finalized. They are coming after me and threatening asset seizure. They froze all my accounts and took every dime I had liquid. My Credit score has been assassinated because of this I need help BAD. Hi Carlo, You have one shot here with a home equity.

    Home Equity Loan Offers Online


    Reply to: Carlo L*


    Application from: Karen*

    City: edgewater park
    State: NJ
    Credit Rating (FICO): 550
    Profession: Profession not given
    Amount Requested: $3000
    Age: 2
    Current Debt:
    Yearly Income: 34000
    Zip Code: 8010

    Message:Try this Karen,

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

    Any Credit Score Can Apply


    Reply to: Karen*


    Application from: Karen M*

    City: edgewater park
    State: NJ
    Credit Rating (FICO): 550
    Profession: Profession not given
    Amount Requested: $3000
    Age: 2
    Current Debt:
    Yearly Income: 34000
    Zip Code: 8010


    Reply to: Karen M*


    Application from: tom F*

    City: Brinnon
    State: Washington
    Credit Rating (FICO): 520
    Profession: gov welder
    Amount Requested: $100000
    Age: 32
    Current Debt: 90000
    Yearly Income: 60000
    Zip Code: 98320

    Message:Hi Tom, Is your debt related to a mortgage? This link can provide either refinance or home equity.

    Mortgage Refinancing Options


    Reply to: tom F*


    Application from: John Joseph Goulding III

    City: phoenix
    State: Arizona
    Credit Rating (FICO): 715
    Profession: Profession not given
    Amount Requested: $100000
    Age: 30
    Current Debt: No Debt.
    Yearly Income: Income Not Specified
    Zip Code: 85016

    Message:I'm looking to franchise a Nekter Juice Bar, I currently have 100k in my account. I can only do unsecured loans, because I don't have a mortgage or life insurance.

    Reply to: John Joseph Goulding III


    Application from: Jared

    City:
    State: Georgia
    Credit Rating (FICO): 560
    Profession: Self Employed
    Amount Requested: $
    Age: Age not given
    Current Debt: 95000
    Yearly Income: Income Not Specified
    Zip Code: 30349

    Message:

    Was wondering if I could borrow money against an estate that is in probate. 


    Reply to: Jared


    Application from: David Liggons

    City: Canton
    State: MI
    Credit Rating (FICO): 750
    Profession: Retired
    Amount Requested: $100000
    Age: 58
    Current Debt: $100,000.00
    Yearly Income: 46000
    Zip Code: 481888006

    Message:

    I want to become solvent before I eventually die.


    Reply to: David Liggons


    Application from: Dale

    City: saco
    State: maine
    Credit Rating (FICO): 712
    Profession: Profession not given
    Amount Requested: $80000
    Age: Age not given
    Current Debt:
    Yearly Income: Income Not Specified
    Zip Code:

    Message:

    Just checking to see if can get a loan to put my credit cards /loans together


    Reply to: Dale


    Application from: Darryl

    City: Kissimmee
    State: FL
    Credit Rating (FICO): 524
    Profession: Student
    Amount Requested: $85000
    Age: 31
    Current Debt: 2
    Yearly Income: 10500
    Zip Code: 34758

    Message:

    I need for school


    Reply to: Darryl


    Application from: Christina

    City: Clearwater
    State: Minnesota
    Credit Rating (FICO): 490
    Profession: Construction business owner
    Amount Requested: $3000.00
    Age: 33
    Current Debt: 2000.00
    Yearly Income: 43500.00
    Zip Code: 55320

    Message:

    Ok I need a loan because I am drained emotionally and financially. It seem to be a day to night thing I cant seem to stop. With two growing teenage boys things just never seem to stop. I have applied to several other online loan companies, so I didnt realize the effect it would do relating to my credit. So mostly what is on my credit is credit check inquires. Pleas please I really need a vaction.


    Reply to: Christina


    Application from: Larone

    City: Raleigh
    State: North Carolina
    Credit Rating (FICO): 414
    Profession: Profession not given
    Amount Requested: $60000
    Age: Age not given
    Current Debt: 35000
    Yearly Income: Income Not Specified
    Zip Code: 27603

    Message:

    Hello I am a huge financially bind and would like to borrow some money my score has dropped tremendously since my moving from New Jersey to North Carolina to hell my sick parent. Please help if possible


    Reply to: Larone


    Application from: John

    City: 1216 Quail Lake Blvd
    State: Florida
    Credit Rating (FICO): 660
    Profession: Retired
    Amount Requested: $30000
    Age: 57
    Current Debt: Credit card, loans
    Yearly Income: 40000
    Zip Code: 32541

    Message:

    Need to consolidate my debt


    Reply to: John


    Application from: Mona

    City: Mobile
    State: Al
    Credit Rating (FICO): 589
    Profession: Profession not given
    Amount Requested: $100000
    Age: Age not given
    Current Debt: 40000
    Yearly Income: 85000
    Zip Code: 36613

    Message:

    I included me and my husband's income and debt because we can apply together. I will be able to make $1500-$2000 payments a month. We need something that can pay off our debt while also help us finish our home renovations so we won't go back into debt.


    Reply to: Mona


    Application from: Andre

    City: Fayetteville
    State: NC
    Credit Rating (FICO): 450
    Profession: Otr driver
    Amount Requested: $100000
    Age: 42
    Current Debt: 30,000
    Yearly Income: 60000
    Zip Code: 28306

    Message:

    A large loan amount will help financially to pay off medical and credit bills as well as to help with a large purchase for trucking company to raise income to higher level and pay off loan faster after approval


    Reply to: Andre


    Application from: Cynthia

    City: lawrenceville
    State: GA - Georgia
    Credit Rating (FICO): 500
    Profession: Profession not given
    Amount Requested: $15000
    Age: Age not given
    Current Debt: 15000
    Yearly Income: 20000
    Zip Code: 30046

    Message:

    To be used for debt consolidation


    Reply to: Cynthia


    G
    Gerald Proctor

    April 23rd, 2019

    Hi Cynthia -

    Unfortunately, due to the stringent lending laws around poor credit in GA, we do not have any lenders that can give unsecured bad credit loans.

    My recommendation would be to use Novita Financial, a free online program to help you rebuild your credit.  

    If you own your home, I would check with your mortgage holder to see if they would give you a home equity loan or line of credit.

    Best of luck,

    Regards,

    Gerald

     

    Application from: Courtney

    City: Florida
    State: New York
    Credit Rating (FICO): 560
    Profession: Profession not given
    Amount Requested: $20000
    Age: Age not given
    Current Debt: 10000
    Yearly Income: Income Not Specified
    Zip Code: 10921

    Message:

    Hello. I am seeking loan. Have all documented papers needed to apply. 


    Reply to: Courtney


    G
    Gerald

    June 5th, 2019

    Hi Courtney -

    Unfortunately, due to the lending laws in New York around poor credit, we do not have a lender that would be able to help you find a bad credit loan. 

    I do recommend rebuilding your credit with Novita Financial (a free online program to help you rebuild your credit quickly)  Once your score is over 600 you will have access to better terms, interest rates and will have the ability to apply to several lenders.  Here is the link:

    Novita Financial

    To find out more information go to 'Bad Credit Loan in New York'.

    Best of luck!!

    Application from: Deonne

    City:
    State: Tennessee
    Credit Rating (FICO):
    Profession: Profession not given
    Amount Requested: $20000
    Age: Age not given
    Current Debt: 10000
    Yearly Income: Income Not Specified
    Zip Code: 38175

    Message:

    I have an emergency bill that must be paid before Saturday and would like to start my own business for a better life for me and my kids.


    Reply to: Deonne


    L
    Leyna

    June 2nd, 2019

    Hi Deonne -

    In order to direct you to a lender that may help you I would need the following information - your credit score and monthly income. I will send a link to a lender that may help you if you are looking for a personal bad credit loan. Double click the link below, fill in the application and hit 'send'.  You will know immediately if they can help.  Applying will not hurt your credit score.  As well, I am sending a link to a free online credit repair site that can help you rebuild your credit so you qualify for more money with better terms and interest rates. Best of luck.  Here are the links:

    Novita Financial (Credit Repair)

    Bad Credit Loans

    As well, here is a link to one of our pages if you are looking for more information on a personal unsecured bad credit loan.

    Leyna

    Application from: Wesley

    City: Carrollton
    State: Georgia
    Credit Rating (FICO): 601
    Profession: Management of retailers
    Amount Requested: $100000
    Age: Age not given
    Current Debt: 80,000
    Yearly Income: Income Not Specified
    Zip Code: 30116

    Message:

    I have a few different payments to different company’s that I’m trying to file under one. If I’m able to get a loan for 100,000, I can pay everything off and have one payment. This will allow me to start saving money and only have to deal with one company.


    Reply to: Wesley


    Application from: Wesley Fields

    City: Carrollton
    State: Georgia
    Credit Rating (FICO): 601
    Profession: Management of retailers
    Amount Requested: $100000
    Age: Age not given
    Current Debt: 80,000
    Yearly Income: Income Not Specified
    Zip Code: 30116

    Message:I have a few different payments to different company’s that I’m trying to file under one. If I’m able to get a loan for 100,000, I can pay everything off and have one payment. This will allow me to start saving money and only have to deal with one company.

    Reply to: Wesley Fields


    L
    Leyna

    July 30th, 2019

    Hi Wesley -

    It looks like you are looking to consolidate your student loans and credit cards.  You did not list what your annual income is so am unable to direct you to a lender that may be able to help you.  Depending on your salary, you may require either a smaller loan or a co-signer to help you qualify.  I will send you a link to our lenders who specialize in debt consolidation, as well as one who will accept a co-signer.  

    Student Loan Refinance

    Debt Consolidation

    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!



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