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2 Year Personal Loan Of $68000 With A Fair FICO Credit Score Of 529

Is your credit score under 550 or 600? America loan Service has listed personal loan options for bad credit loans with a credit score under 550 and lenders offering loans for a 600 and under credit score. If you have a 550 credit score vs a 600 credit score, this will make a big difference with bad credit lenders. Working towards a 600 credit score will open up a lot more lending options and lower your interest rate costs over the long term. A 550 credit score will provide unsecured loan options of $1,000 where a 600 credit score can open up loans as high as $35,000 all dependant on your credit history and income.  The first lender listed below will accept loan applications from any credit score and they will offer loans up to $5,000 with a credit score above 580. We have also listed a few providers that will look at a higher loan amount with a 600 credit score. If you have collections on your credit report, it will place you in the high risk loan category and we would recommend that you try to clean up any outstanding collections before applying for a loan. We have listed other potential lenders if you have a co-signer for a personal loan or student loan. Equity in your home or auto refinancing are another option and will help to qualify for a loan. Small business loan providers accept loans with a 500 credit score as long as you have been in business for one year. Check out the business loan conditions below. We have listed a few credit card products designed for bad credit either secured or unsecured.  

Bad Credit Loan Providers With Credit Score Under 600     

600 Credit Score Loan Options

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.  

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.   

Auto Refinance

Auto refinance 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.

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'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. 

High Risk 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.

 

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 For Personal Loans with a Credit Score Under 550

Maya completed our application listed below looking for $68,000 personal loan with a credit score of 529. Maya has recently secured an excellent job that pays over $180,000/year and is looking for a short term loan to pay off credit card debt and an outstanding personal loan with high interest rates. 

She emailed America loan service looking for options as she had damaged her credit score while she was in university with late and missed payments on her credit card. We provided the options listed on this page.

Maya is searching for a lender that will look past her current credit score and see that she is on track and earning enough to carry a large loan. 

Maya wanted to pay the loan off quickly and start saving to buy a home. 

Maya attempted to obtain a personal loan for $106,000.00 last year and was declined

Principle of Loan Term (Years)   Interest Rate (APR) Monthly Installment Payment Lending Institution

$105670.00 3 9.6% $3389.86 The Citizens Exchange Bank
$105880.00 7 7.7% $1634.49 Alliance Bank
$105810.00 3 9.5% $3389.41 Farmers State Bank
$106480.00 3 5.5% $3215.26 First United Bank, National Association
$106350.00 8 8.1% $1508.85 Farmers State Bank
$105730.00 6 8.4% $1874.51 Orange County Bank
$105760.00 11 6.5% $1123.57 The Union State Bank

Maya has an  auto loan of $12,000 lent by Farmers State Bank

Starting Interest Rate (APR)Remaining principleLender nameLender cityLender StateLoan Obtained

7.8% APR $8250.7 outstanding The Citizens Exchange Bank Fairmount Indiana
5.0% APR $10260.66 outstanding Alliance Bank Francesville Indiana
9.2% APR $10260.0 outstanding Farmers State Bank Losantville Indiana
10.2% APR $9670.02 outstanding First United Bank, National Association Middletown Indiana
5.6% APR $8364.94 outstanding Farmers State Bank Mooreland Indiana
8.6% APR $9036.5 outstanding Orange County Bank Paoli Indiana

$68000.00 personal loan - Chesterton, Indiana

Applying for loans frequently changes borrowers credit scores. Once approved, clients experience alterations to their credit. Maya underwent diverse changes to their credit over the course of the approval of this $68000 personal loan. Maya had a starting credit score of 589.

  • When it comes to Equifax, Maya had an initial credit score of 589, thus Maya has a fair credit score
  • On the Transunion scale, Maya had a 569 credit rating, a bad credit score
  • Maya had a rating on the Experian rating system of 590, which is regarded as fair credit

Data on the lending institution called Valley Savings Bank from Chesterton, Indiana which gave the $68000 personal loan. Maya required a co-signer to get approval for this personal loan and was fortunate to have a family member available to help.

  • Valley Savings Bank
  • Street Address: 103 Broadway
  • Branch city: Chesterton
  • Branch state: Indiana
  • Branch zip code: 46304
  • Branch County: Porter

Maya has an Equifax score of 589. This is a fair credit score

Fico Score: 589

Maya has a Transunion score of 569. This is a fair credit score. Credit scores like that of Maya alter lender's opinion

Transunion Score: 569

Maya has an Experian score of 590. This is a fair credit rating. If your score is fair like Maya, it won't affect your chances of finding a loan

Experian Score: 590

comment from Maya after meeting the Valley Savings Bank at 103 Broadway: I was very disappointed with my options given that I have such a great job now. They turned me down because my credit score was so bad. I got a co-signer (my Dad) to sign and I feel good about it with the income I am making now.  The interest rate of 5.9% was decided based primarily on the credit score of the co-signer (not me). 

Original inquiry for a personal loan from Maya

I have $68000 in debt, making a really good income and have a terrible credit score.  Can you direct us with a personal loan? Would really like a short term and just get rid of this debt. 

Borrower Data: Maya
  • County: Porter
  • Home State: Indiana
  • Current zip code: 46310
  • Current income: Undisclosed
  • Profession: Chemical engineer
  • Credit Card Debt: $8000 on their American Savings Bank Business Edition® Visa® Card

Steps to getting your Credit Score back to 660+

 Working on Your Credit Score

35% of your credit score is based on making payments on time.

Set up Pre Authorized Payments

Set all loan payments to come from your checking account automatically. The money is assigned and your credit rating improves quickly

Credit Cards Providers will take out the Minimum Payment Automatically

Have the credit card provider withdraw the minimum every month and then you make a payment against the principal.

Cut Your Costs

Every penny you can save, place on your highest interest credit card.

Borrow from Family

If your credit score is below 580, offer your family members a fair interest. Online lenders can charge over 60% for an installment loan.

Do You Have Security?

Use your equity in your home or auto to pay off high-interest debt.

How About A Co-Signer

Co-signing can improve your credit score once it's paid off. The debt will fall on your family if you default.

 Watch For the Scams

Payday loans are very short-term and can be over 1000% interest. Car title loan providers and set up to take your car. Banks and the credit union can offer secured loans to your automobile for security.

Expect Very Small Loan Amount Offers

Most bad credit lenders will only lend up to $5,000.00

Become a Credit Union Member

Credit Unions operate as a non-profit for their members. Become a member. They have great programs for helping with bad credit.

Eliminate your highest Interest Credit Card

Search 0% balance transfer credit card offers and transfers that high-interest credit card balance today. Set an auto withdrawal payment on this card to pay it off completely over 12 months or when it stops being free interest.

Keep your Oldest Credit Cards

Length of credit History makes up 15% of your credit score. Keep the older credit cards and cancel the new ones.

Only use 30% of Available Credit

If you have a $1,000 limit, try not to use more than $300 or 30%. This makes up 10% of your credit score

30% of your Credit Score is Based on How Much You Owe

Focus on paying off debt.

More on managing your credit score

Change Your Current Habits

Spending on things we do not need are habits and it takes 21 days to change a habit. Start with the small stuff like taking coffee to the office in a thermos. In our case, we saved $200.00/month just on coffee.

ideas for cutting cost

Personal Loans for Credit Scores Under 550

With credit scores under 550, there are 3 steps you need to follow to get a loan.

  • First, you should sign up for a free, DIY credit repair program. They'll show you how to build your credit yourself, for free, and get your score above 600.

    This process can take a few months depending on the factors that are lowering your credit score. Follow the steps provided in the program and your credit will improve over time. Aim for a minimum score of 600 before applying for a loan, otherwise, you'll end up paying extremely high interest rates.

  • Make sure you make your payments on time to maintain your improved credit score.

While the situations highlighted are accurate, the names and some cities have been changed for privacy. America Loan Service would appreciate your thoughts on our website. Please do not give America Loan Service your last name and try to keep the information in your comments quite general. It is the overall subject that people relate with and they appreciate your comments. When you send your comments, it will be reviewed within 24 hours and you will be notified if they are published.

Past Applications

Application from: Michael**

City: Ashland
State: Nh
Credit Rating (FICO): 547
Profession: Disabled
Amount Requested: $1500
Age: 36
Current Debt: Bills
Yearly Income: 8796
Zip Code: 3217

Message:

Hi Michael,

We will email you today and let you know a provider that may work for you.


Reply to: Michael**


Application from: Prince E**

City: Xenia
State: Ohio
Credit Rating (FICO): 529
Profession: City Bus Driver
Amount Requested: $5000.00
Age: 45
Current Debt: 22,000
Yearly Income: 33000
Zip Code: 45385

Message:

Hi Prince,

We have one lender that offers up to $5,000.00 loans and will send you the information


Reply to: Prince E**


b
brittany*

March 11th, 2017

please help me get approved Hi Brittany, You did not fill out one item.

Application from: Sandra**

City: Monroeville
State: Pa
Credit Rating (FICO): 529
Profession: Profession not given
Amount Requested: $2000.00
Age: Age not given
Current Debt: 2000.00
Yearly Income: Income Not Specified
Zip Code: 15146

Message:

Hi Sandra,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 529, 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 sent you can help with your request of $2,000.00 for a personal loan. Our one lenders offers personal loans from $1,000.00 to $35,000.00 and may help you up to that amount. You can see our page at personal loans and apply there . You may 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: Sandra**


Application from: Valarie**

City: Charleston
State: south carolina
Credit Rating (FICO): 547
Profession: Nurse Recruiter
Amount Requested: $15,000
Age: 34
Current Debt: school loans
Yearly Income: 60,000
Zip Code: 29407

Message:

Hi Valarie,

We do have a couple of options for you. The goal with financing your student loans is to have a manageable payment that works with your life style. We will send you a couple of solutions.


Reply to: Valarie**


Application from: Jennifer N

City: Paola
State: KS
Credit Rating (FICO): 529
Profession: Bus driver
Amount Requested: $2000.00
Age: 44
Current Debt: 7000
Yearly Income: 20000.00
Zip Code: 66071

Message:>Hi Jennifer, We will send you some information on a loan for $2,000.00 with a credit score of 529. Regards,

Reply to: Jennifer N


V
Veronica

November 13th, 2018

My score is bad 549 but I could 5000 for car repairs and bills

Application from: Tara E.*

City: Ilion
State: Ny
Credit Rating (FICO): 529
Profession: Production
Amount Requested: $1000.00
Age: 33
Current Debt: 6000
Yearly Income: 13500
Zip Code: 13357

Message:

In desperate need of a loan. I will pay the entire thing off in Feb with tax return

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: Tara E.*


K
Kara

October 2nd, 2016

Does this work? Will someone lend me money based on money I'll get bcak with my tax return? i want $60,000 loan to start a business - it'll definitely succeed, I've done this before. I know people and they say it's guaranteed.

Application from: Yanire H**

City: Bethlehem
State: PA
Credit Rating (FICO): 547
Profession: Profession not given
Amount Requested: $3000
Age: 43
Current Debt: 1000
Yearly Income: 35000
Zip Code: 18017

Message:

Hi Yanire,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 547, 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 $3,000.00 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: Yanire H**


Application from: Laura Y

City: Dover
State: Ohio
Credit Rating (FICO): 420
Profession: Self Employed
Amount Requested: $6000
Age: 22
Current Debt: Car Loan, a few accounts that have gone to collections.
Yearly Income: 40000
Zip Code: 44622

Message:

I know that it is extremely difficult for people like me with extremely low credit scores to get approved for loans. My husband and I have made some financial mistakes in the past and we are trying to climb out of that hole. With LuLaRoe, the company I am looking to get started with, the possibilities are truly endless and I know that this is our answer to getting out of debt and living the life that we want to live. I know it is going to take a lot of time and perserverance, but I know that someday soon, we will be able to live life debt free. I want more than ever to start this business and do something that I know I will love and I am passionate about. Thank you for your time and for reviewing this for me. I am hoping to get this loan so I can start my business and live debt free.

Hi Laura,

We will forward this on for you. We have found a lender that will help people with Fico scores in the 420 range. 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: Laura Y


J
Jones

October 2nd, 2016

Hey Laura, it's super hard for us to get loans with such bad credit ratings... I've been trying for weeks and I still can't manage! I'm going to apply with personalloans, maybe they'll give me a shot, but honestly these online lenders haven't been working out for me, but I'm seriously desperate.

Application from: robin

City: stuart
State: virginia
Credit Rating (FICO): 520
Profession: management
Amount Requested: $30000
Age: 38
Current Debt: 27000
Yearly Income: 27600
Zip Code: 24171

Message:

Hi Rob,

We will forward this on for you, good Luck. 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: robin


Application from: Major W

City: CENTENNIAL
State: Colorado
Credit Rating (FICO): 522
Profession: Profession not given
Amount Requested: $2000
Age: Age not given
Current Debt: 1000
Yearly Income: Income Not Specified
Zip Code: 80016

Message:

Hi Maj,

We will forward this on for you, good Luck. 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: Major W


Application from: Erica M

City: Hoschton
State: Georgia
Credit Rating (FICO): 525
Profession: Secretary
Amount Requested: $7500
Age: 34
Current Debt: 7000
Yearly Income: 30000
Zip Code: 30548

Message:

Hi Erica,

With a Fico score of 525 and limited debt, 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. 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. Regards, America Loan Service team


Reply to: Erica M


Application from: Belinda P.

City: Las Vegas
State: Nevada
Credit Rating (FICO): 529
Profession: Manager
Amount Requested: $10000
Age: 31
Current Debt: 20000
Yearly Income: 40000
Zip Code: 89156

Message:

Hi Bel,

We will forward this on for you, good Luck. 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: Belinda P.


Application from: Lashanda

City: St. Louis
State: Mo
Credit Rating (FICO): 529
Profession: Money handling
Amount Requested: $10000
Age: 35
Current Debt: 7500
Yearly Income: 27000
Zip Code: 63136

Message:

Hi Lashanda,

Your Fico score of 529 limits where we can send your request and you may not be very pleased with the interest rate that is offered from the lenders. We have seen some lenders come back with 49% interest rates and even as high as 99%. With most credit card companies charging 20-25% this is already very difficult to repay. Whatever got your credit to this point, we suggest you pull your credit report and check to see if you agree with all of the items listed on the report. There are three credit report providers, Equifax, Experian and Transunion, and they all have slightly different information. Search online and you will find a way to pull your credit report for free. A good search term is "free credit report from each providers name listed. Check them all and contact any company that has made an error on your report. When most of us are in debt, many people become ashamed and hide instead of fighting for yourself. Keeping a great credit score will save you thousands of dollars in interest fees and provide you the freedom you want for yourself and your family. Fight for it like you would fight for a friend or your family members. Contact the credit card providers and search out a cheap interest rate. Move all of the debt to one provider and cancel the other cards. If you are just starting out and trying to build your credit, apply for a cash credit card. This type of credit card makes you place cash on the card, then you can spend the cash and have to reload that card once its empty. This is how it starts, showing consistency and monthly responsibility.
We will forward your request on to the appropriate lender. America Loan Service (ALS) is not a lender, we only forward on loan requests. America Loan Service has no influence on the lenders and that relationship will be between you and the institution providing the loan. Wishing you success The ALS team.


Reply to: Lashanda


Application from: Michelle**

City: Columbus
State: Georgia
Credit Rating (FICO): 529
Profession: Student
Amount Requested: $75000
Age: 52
Current Debt: 98000
Yearly Income: 25500
Zip Code: 31903

Message:

Hi Michelle,

Hard position to have $98,000.00 in debt and needing an additional $75,000.00 I'm hoping that this amount is to pay off a portion of the existing $98,000.00 or for debt consolidation. Our concern for you is the interest rate that you will be charged by a lender for this amount of money with a credit score of 529. We sent you our recommendation to your email.

America Loan service is not a direct lender, we provide people with companies that may be able to help them

America Loan Team.


Reply to: Michelle**


Application from: Christina R*

City: Cutler Bay
State: Florida
Credit Rating (FICO): 550
Profession: Counselor
Amount Requested: $7000
Age: Age not given
Current Debt: Car loan some medical bills
Yearly Income: Income Not Specified
Zip Code: 33189

Message:Need to train to expand business Hi Christina, Can you let us know your current income and the amount of your debt? From the information that you have provided, we can only suggest a secured loan at a local credit union. If you do not have security, we would recommend working on your credit score. Pull your credit score and find out what you need to repair.

Reply to: Christina R*


Application from: Brian

City: Irvine
State: PA
Credit Rating (FICO): 565
Profession: Profession not given
Amount Requested: $5000
Age: Age not given
Current Debt: 10000
Yearly Income: 50000
Zip Code: 16329

Message:Had medical issues that caused an income problem for a few years...health back to good, got a good job and income..need a loan to get back on track, pay off a few things and repair or replace others that have gone in disrepair while medical issues happened. Looking fora personal loanfor 5,000.

Reply to: Brian


Application from: Brian Everitt

City: Canton
State: Texas
Credit Rating (FICO): 500
Profession: Police Officer
Amount Requested: $5000
Age: 28
Current Debt: Enrolled w National Debt Relief
Yearly Income: 53000
Zip Code: 75103

Message:I'm looking for a personal loan.

Reply to: Brian Everitt


Application from: Brittany A*

City: cottonwood
State: al
Credit Rating (FICO): 529
Profession: bills and car
Amount Requested: $10000
Age: 24
Current Debt: yes
Yearly Income: 30000
Zip Code: 36320

Message:please help me >Hi Brittany, If your credit score is below 580, the amount that online lender will loan is up to $5,000.00 and the loan is like a payday loan Very high-interest rates and short term. To qualify for a loan of $10,000.00 you will need a credit score of 580. Will send you both options. Best bet is to increase your credit score. Stop spending, pull your credit history and clean up the lenders causing your credit score to drop so far. Your young and have lots of time to work on this.

Reply to: Brittany A*


Application from: Sarah I*

City: Buford
State: Georgia
Credit Rating (FICO): 511
Profession: Manager
Amount Requested: $1500
Age: 34
Current Debt:
Yearly Income: 36528
Zip Code: 30518

Message:

Reply to: Sarah I*


Application from: Sarah*

City: Sayre
State: Pennsylvania
Credit Rating (FICO): 529
Profession: Nurse
Amount Requested: $5000.00
Age: 31
Current Debt:
Yearly Income: 38000
Zip Code: 18840

Message:Hi Sarah, Credit score of 529 makes it difficult to help you. Do you have a credit card now? If so, apply for an increase on that card, then set up an auto withdrawal payment plan. Will help your credit score. You didn't mention how much debt you have but if it's not too bad, you may want to go to a local credit union and set up an account. If you do not have a credit card, apply for a secure credit card, it will also help build your credit. This type of card is where you place cash on the card then use it. I do not want to suggest any expensive lenders and really would push you to improve your credit score first. Your a nurse so we know your very smart and can fix this. You can sign up for our monthly mailer on repairing your credit score on our home page.

Reply to: Sarah*


Application from: Miriam Rodriguez

City: Bronx
State: NY
Credit Rating (FICO): 525
Profession: Administrative
Amount Requested: $4500
Age: Age not given
Current Debt: 3500
Yearly Income: 40000
Zip Code: 10461

Message:

Reply to: Miriam Rodriguez


Application from: Anthony*

City: Brooklyn
State: NY
Credit Rating (FICO): 560
Profession: Clerk
Amount Requested: $3000
Age: 29
Current Debt: 1500
Yearly Income: 39000
Zip Code: 11230

Message:We would suggest a co-signer at a local credit union.

Reply to: Anthony*


Application from: Langston D*

City: Jacksonville
State: Florida
Credit Rating (FICO): 520
Profession: Finance
Amount Requested: $10000
Age: 32
Current Debt: $80000
Yearly Income: 35000
Zip Code: 32211

Message:In desperate need of financial assistance. I am starting a business and in the process of getting student loans paid off. Hi Langston, Would suggest working on your credit score so you have some flexibitiy going forward with your fonances.

bad credit score repair


Reply to: Langston D*


Application from: David*

City: Sophia
State: North Carolina
Credit Rating (FICO): 592
Profession: Process technician/Team Leader
Amount Requested: $30000
Age: 44
Current Debt: 30000
Yearly Income: 57384
Zip Code: 27350

Message:Looking for a second chance to get my financial life in order and set a budget. Would like to reduce my monthly payments so I can make ends meet again. Wanting to turn several monthly bills into one monthly bill. Hi David, Check out LendingPoint of our site.

Reply to: David*


Application from: David*

City: Sophia
State: North Carolina
Credit Rating (FICO): 592
Profession: Process technician/Team Leader
Amount Requested: $30000
Age: 44
Current Debt: 30000
Yearly Income: 57300
Zip Code: 27350

Message:looking to turn several monthly payments into one affordable payment. while my score low i feel that consolidating my bills into one will raise my score and allow more money in my account at the end of the month.

bad credit score repair

Mortgage Refinancing Options


Reply to: David*


Application from: Ricardo D*

City: Lake worth
State: FL
Credit Rating (FICO): 565
Profession: Driver
Amount Requested: $10000.00
Age: 41
Current Debt: 6000
Yearly Income: 40000
Zip Code: 33460

Message:Hi There, With your current credit score, you will need security/collateral to get approved for $10,000

Compare Mortgage Offers Online

Will not take you too long to improve your credit score if you start now.

bad credit score repair


Reply to: Ricardo D*


Application from: Apri*

City: Grand Rapids
State: Michigan
Credit Rating (FICO): 520
Profession: Mail Processing Clerk
Amount Requested: $25000
Age: Age not given
Current Debt: 15,000
Yearly Income: 42000
Zip Code: 49506

Message:I really need an opportunity to clean my credit up. Hi April, Until you improve your credit score, it will be impossible to get a loan for $25,000.00 unless you have collateral to secure the loan. We are offering a free credit repair program

bad credit score repair


Reply to: Apri*


Application from: Myrna*

City: Webster
State: TX
Credit Rating (FICO): 526
Profession: Profession not given
Amount Requested: $2500
Age: Age not given
Current Debt: 50000
Yearly Income: 70000
Zip Code: 77598

Message:Hi Myrna, Try this link

bad credit personal loan options


Reply to: Myrna*


Application from: KIMBERLIN*

City: 7219 FOSSIL LAKE
State:
Credit Rating (FICO): 585
Profession: PHLEB
Amount Requested: $2000
Age: 52
Current Debt: CAR
Yearly Income: 52000
Zip Code: 76002

Message:Hi Kimberlin, This lender may fit your request.

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

Any Credit Score Can Apply


Reply to: KIMBERLIN*


Application from: Jorge*

City: Lowell
State: MA
Credit Rating (FICO): 691
Profession: Profession not given
Amount Requested: $30000
Age: 23
Current Debt: 1,800
Yearly Income: Income Not Specified
Zip Code: 1852

Message:I would really love it if you help me out i can make monthly payments aswell...

Reply to: Jorge*


Application from: Ann H*

City: Kingsley
State: PA
Credit Rating (FICO): 563
Profession: accountin
Amount Requested: $8000
Age: Age not given
Current Debt: 8000
Yearly Income: 35000
Zip Code: 18826

Message:Hi Ann, Would suggest you lower your goal to $5,000 with a 563 credit score.

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

Any Credit Score Can Apply


Reply to: Ann H*


Application from: Dax*

City: claymont
State: DE
Credit Rating (FICO): 540
Profession: Profession not given
Amount Requested: $10000
Age: 43
Current Debt:
Yearly Income: 17000
Zip Code: 19703

Message:Hi Dax, With a 540 credit score, we would recommend this provider

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

Any Credit Score Can Apply


Reply to: Dax*


Application from: Christy*

City: Hickory
State: NC
Credit Rating (FICO): 549
Profession: Retail-Stock
Amount Requested: $5000
Age: 29
Current Debt: 500
Yearly Income: Income Not Specified
Zip Code: 28601

Message:Single mom of 2. Trying to find a home but my credit score isn't helping! I need money for a down deposit and to consolidate on my debt into one monthly payment.. Hi Christy,

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

Any Credit Score Can Apply


Reply to: Christy*


Application from: Angela M*

City: CENTERVILLE
State: GA
Credit Rating (FICO): 590
Profession: Profession not given
Amount Requested: $5000
Age: Age not given
Current Debt: 168000
Yearly Income: 41000
Zip Code: 31028

Message:

Reply to: Angela M*


Application from: Jackie

City: Canton ga
State: Ga
Credit Rating (FICO): 600
Profession: Painter
Amount Requested: $5000
Age: 49
Current Debt:
Yearly Income: 35000
Zip Code: 30115

Message:

I need a loan badly. They bulldozed our trailer park and were living in a tent in my step daughters back yard


Reply to: Jackie


Application from: Rukshana

City: Sacramento
State: CA
Credit Rating (FICO): 560
Profession: Profession not given
Amount Requested: $15000
Age: Age not given
Current Debt:
Yearly Income: 66000
Zip Code: 95834

Message:

looking for some money to get caught up with payments, please help


Reply to: Rukshana


Application from: John

City: Hiedelburg
State: Mississippi
Credit Rating (FICO):
Profession: Retired
Amount Requested: $10000
Age: 38
Current Debt: 15000
Yearly Income: Income Not Specified
Zip Code: 39439

Message:

Need to catch up on bills fix my bathroom and take care of 4 loans


Reply to: John


Application from: Chantelle

City: DORCHESTER
State: Massachusetts
Credit Rating (FICO): 534
Profession: Member services Representative
Amount Requested: $2000
Age: 25
Current Debt: 614
Yearly Income: 25000
Zip Code: 2121

Message:

The school year is almost hear and my kids need clothes


Reply to: Chantelle


Application from: Lyn

City: Manquin
State: Virginia
Credit Rating (FICO): 584
Profession: Buyer
Amount Requested: $10000
Age: 51
Current Debt: doctor bills, loans and a few credit cards... student loans
Yearly Income: 83000
Zip Code: 23106

Message:

Need help obtaining a loan to pay off bills and work to get my credit back up.... please contact me


Reply to: Lyn


Application from: sajid*

City: columbus
State: ohio
Credit Rating (FICO): 550
Profession: Profession not given
Amount Requested: $15000
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 43110

Message:

Reply to: sajid*


Application from: Ruby*

City: Bronx
State: Newyork
Credit Rating (FICO): 612
Profession: Babysitter
Amount Requested: $6000
Age: Age not given
Current Debt: 3000
Yearly Income: 28000
Zip Code: 10460

Message:Need a personal loan to help family members hit by hurricane Florence Thank you in advance

Reply to: Ruby*


Application from: Ruby*

City: Bronx
State: Newyork
Credit Rating (FICO): 612
Profession: Babysitter
Amount Requested: $6000
Age: Age not given
Current Debt: 3000
Yearly Income: 28000
Zip Code: 10460

Message:Need a personal loan to help family members hit by hurricane Florence Thank you in advance

Reply to: Ruby*


Application from: Claudia

City: Framingham
State: MA
Credit Rating (FICO): 580
Profession: Fraud Analyst
Amount Requested: $10000
Age: 33
Current Debt:
Yearly Income: 30000
Zip Code: 1701

Message:

I need to move as soon as possible and I need to cover the first, last and security. As well as other moving expenses


Reply to: Claudia


Application from: Joshua

City: Battle Creek
State: Michigan
Credit Rating (FICO): 520
Profession: Management
Amount Requested: $8500.00
Age: 30
Current Debt: ~10,000
Yearly Income: 83000.00
Zip Code: 49017

Message:

Looking to get some help getting back on track as well as focusing on improving my credit score and payment histories. I’m in a far better spot financially as well as mentally than I was when I made the ill-advised choice of letting these accounts go unpaid or delinquent. However right now I currently have had one of my accounts that I have utilized for 7+ years has become the victim of fraudulent activity, I went 9 days without access to the funds in this account, when the freeze was taken off, I received my new card, by 11:30pm that night my account had been drained again unknowingly. The criminals are under investigation for obtaining my routing/account number to the account not the suspected card number in Denver Springs, CO. My other savings account and checking account are now diminishing and my current responsibilities are getting behind, causing my payment history to drop and things become past due, I have requested once the funds are made back available to my account that they are loved to my bank savings account. I’m not great nor perfect but with the holidays and he intent to improve not only my debt, credit, future but the future Of my family and the holidays.


Reply to: Joshua


Application from: Ellen

City: norristown
State: PA
Credit Rating (FICO): 552
Profession: emt
Amount Requested: $4000
Age: 37
Current Debt:
Yearly Income: 27589
Zip Code: 19401

Message:

have a family emergency that i need the money for


Reply to: Ellen


Application from: Sam

City: Pontotoc
State: Mississippi
Credit Rating (FICO): 542
Profession: Assembly line worker
Amount Requested: $5000
Age: 38
Current Debt:
Yearly Income: 20000
Zip Code: 38863

Message:

looking for some money to get caught up with payments, please help


Reply to: Sam


Application from: Dan

City: Far Hills
State: New Jersey
Credit Rating (FICO): 558
Profession: Teacher
Amount Requested: $8000
Age: 31
Current Debt: 11000
Yearly Income: 67000
Zip Code: 7931

Message:

I am seeking out a loan for 5,000 or higher, I am in debt and I want to fix my credit score. I am getting married in July and need assistance with getting back on track.


Reply to: Dan


Application from: Lizzie

City: Charleston
State: South Carolina
Credit Rating (FICO): 550
Profession: Hsk
Amount Requested: $5500
Age: 29
Current Debt:
Yearly Income: 66000
Zip Code: 29407

Message:

Thank you


Reply to: Lizzie


Application from: Keli

City: Dallas
State: Oregon
Credit Rating (FICO): 585
Profession: Group worker
Amount Requested: $2000
Age: 44
Current Debt: 17,000
Yearly Income: 58000
Zip Code: 97338

Message:

I would like to apply for 2000 but am open to an 7,500 loan if it will pay off the other debt


Reply to: Keli


Application from: Wendy

City: Central islip
State: 45 hackmatac street
Credit Rating (FICO): 590
Profession: Clerk for traffic tickets in law firm
Amount Requested: $4000
Age: 48
Current Debt: Car loan
Yearly Income: 43000
Zip Code: 11722

Message:

Please consider


Reply to: Wendy


Application from: Tammy

City: Meyersdale
State: PA
Credit Rating (FICO): 540
Profession: Printer/ decorator
Amount Requested: $10000
Age: 56
Current Debt: 4000
Yearly Income: 22000
Zip Code: 15552

Message:

I wanted to borrow this amount but could work with less. I am doing home improvement..


Reply to: Tammy


Application from: Crystal

City: Barnardsville
State: NC
Credit Rating (FICO): 550
Profession: Self-Employed and Retired
Amount Requested: $13000
Age: 63
Current Debt: 9500.00
Yearly Income: 35000
Zip Code: 28709

Message:

I need to get a transmission put in and if I do that will need to consolidate all my debt. I drive for UBER and LYFT normally bring home 500.00 per week plus I get Social Security of 1390.00 per month. My bottom line is $35000.00 I have not been able to drive because of my transmission and really want to get back to work.


Reply to: Crystal


Application from: Terrance

City: Savannah
State: Georgia
Credit Rating (FICO): 560
Profession: Profession not given
Amount Requested: $300
Age: 35
Current Debt:
Yearly Income: 11000
Zip Code: 31404

Message:

Can you please help I'm in a financial crisis


Reply to: Terrance


Application from: Sharon

City: Dallas
State: TX
Credit Rating (FICO): 580
Profession: Profession not given
Amount Requested: $6000
Age: Age not given
Current Debt: Payday Loans
Yearly Income: Income Not Specified
Zip Code: 7509

Message:

I want to consolidate payday loans to allow me a new start. During bankruptcy; I needed help with medical bills after diagnosed with cancer. My mom assisted me.I am out of bankrupycy and trying to reestablish my credit.


Reply to: Sharon


Application from: Brandy

City: Jonesboro
State: Arkansas
Credit Rating (FICO): 505
Profession: Profession not given
Amount Requested: $3000.00
Age: Age not given
Current Debt:
Yearly Income: 30000
Zip Code: 72401

Message:

In desperate need of a loan to help with bills and fixing my house single mom of 3 hopes in my bathroom floor!


Reply to: Brandy


Application from: Jazzaline

City: Flowery Branch
State: Ga
Credit Rating (FICO): 560
Profession: Caregiver
Amount Requested: $500
Age: 24
Current Debt:
Yearly Income: 18000
Zip Code: 30542

Message:

My hours at work got cut down by a lot and I’m really struggling right now. I’m $200 short but n my rent right no and I’m very desperate for help pleas


Reply to: Jazzaline


Application from: Jaime

City:
State: NJ
Credit Rating (FICO): 588
Profession: Hospice RN
Amount Requested: $40000
Age: Age not given
Current Debt:
Yearly Income: 78000
Zip Code: 8062

Message:

Have many negative items on my credit report due to lack of income for several months due to care of a family member. I am able to pay the loan back at this time and really need it to get life back on track.


Reply to: Jaime


Application from: Stact

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

Message:

Can i get qualified with a 612 credit score?


Reply to: Stact


A
Anthony

April 22nd, 2019

Hi Staci -

It looks like you are looking for personal loans for credit under 600.  We do have lenders that would consider your application for a loan with a credit score of 612.  You would need to meet their lending criteria - Sufficient salary to repay the loan and how much you are looking to borrow.  Most lenders would lend you up to $35,000 if you met the criteria.

Application from: Crista

City: Millheim
State: PA
Credit Rating (FICO): 545
Profession: Administrative Assistant
Amount Requested: $5000
Age: Age not given
Current Debt:
Yearly Income: 35000
Zip Code: 16854

Message:

In the last 6 months- I am recently a single mother, left my abusive husband, no child support, we had to move immediately for safety, then a car accident that left my vehicle unfixable, had to buy a new and with medical bills. I've been barely scraping by the best I can but now I need to visit my father in Texas somehow asap. He's very sick, just diagnosed with Aplastic Anemia and Parkinson's. I'm his only child and the only family he has left, I haven't been able to in 6 yrs and he hasn't seen his only grandchild in 6 yrs. I desperately need help.


Reply to: Crista


G
Gerald

April 29th, 2019

Hi Crista -

First of all, I am glad you took the steps to protect yourself and your child.  Abuse should never be tolerated in any form or at any time.

Secondly, I am sorry to hear about your dad.  My father too had Parkinson's and it is a tough disease to watch.  

You are looking for a personal loan with a credit score under 550. It is tough to find loans for credit under 600 but there are many lending companies that will lend amounts under $5,000.  Unfortunately, we do not have a lender in Pennsylvania that you could apply to.  PA has very stringent guidelines around high-interest rates that are charged to those with poor credit and prohibits those type of lenders from operating there.  I would recommend finding a co-signer or visiting a local credit union as they have more relaxed lending laws and like to help those in their community. 

Best of luck,

Gerald

Application from: Lilita

City: Davenport
State: Iowa
Credit Rating (FICO): 565
Profession: Profession not given
Amount Requested: $1500
Age: 38
Current Debt: 4000
Yearly Income: Income Not Specified
Zip Code: 52806

Message:

Please help me? I'm on financial hardship. I have applied everywhere, but I've been denied because of my credit. Please give me a chance. I will repay if approved for a loan. Thank you. GOD bless.


Reply to: Lilita


G
Gerald

April 29th, 2019

Hi Lililta -

I am sending a link to one of our lenders that may be able to help you find a personal loan with a credit score under 550.  It will depend on your monthly income and how many lates you have on your credit report.  This lender only does a soft pull so it won't affect your credit score negatively.

Bad Credit Loans

Double click on the link and fill out the application form.

As well, read this article for more information on loans for credit under 600

Best of luck,

Gerald

 

Application from: Samantha

City: Pittsburgh
State: Pennsylvania
Credit Rating (FICO): 542
Profession: Profession not given
Amount Requested: $4500
Age: 25
Current Debt:
Yearly Income: 35000
Zip Code: 15216

Message:

I am in need of a loan to improve my credit score and pay down my debt


Reply to: Samantha


G
Gerald

April 29th, 2019

Hi Samatha,

Unfortunately, finding a personal loan with a credit score under 550 can be extremely difficult in Pennsylvania.  State laws are very stringent for loans with a 550 credit score and less to protect the consumer.  We do not have any lenders in PA because of this.  In the meantime, I recommend joining Novita Financial (a free online program that helps you repair and rebuild your credit)  It would not take you long to increase your score above 600.  

To understand more about the laws around lending and bad credit in Pennsylvania, click the link.

 

Regards,

Gerald

Application from: Saundra

City: Phoenix
State: Arizona
Credit Rating (FICO): 512
Profession: Medical Biller
Amount Requested: $3500
Age: 49
Current Debt: Installment Debt: $3,203 Student Loan: $31,110
Yearly Income: 37400
Zip Code: 85015

Message:

My May 2019 rent check which I pay via Money Order got lost in the mail so I have to replace it - I received a surprise wage garnishment in May that took over $700.00 away from my wages and now I am unable to make June 2019 rent. Because I will be two months behind if I don’t pay I will face immediate eviction and I am terrified as I have no where to go. I have no car and no means of transportation to move quickly if I was evicted and my best friends car is in the shop being repaired as I have no money. I am behind on all of my utilities and other bills as well. I just want to pay all my bills current and then get ahead on my rent and bills for July. With this loan I would be able to do that. Any help you could provide would be a major blessing for me. Thank you for taking the time to read this.


Reply to: Saundra


G
Gerald

June 1st, 2019

Hi Saundra -

That is tough with your rent.  We do have lenders in Arizona that may be able to help find a personal bad credit loan.  The issue is that you probably won't be able to qualify for the student loans until your credit score is higher than 550.  I am sending a link to a lender that may help you with the rent.  As well, I am sending a link to Novita Financial (a free online program) that can help you raise your credit score fairly quickly.  Best of luck  - here are the links:

Bad Credit Loan

OppLoans

Novita

Here is more information on how to find a bad credit loan in Arizona 

Application from: Aniya

City: Canton
State: OH
Credit Rating (FICO): 552
Profession: Home health aide
Amount Requested: $5000
Age: 30
Current Debt: 0
Yearly Income: 20000
Zip Code: 44703

Message:

Looking for a personal loan that will accept my credit score.


Reply to: Aniya


L
Leyna

June 24th, 2019

Hi Aniya -

It looks like you are looking for a personal loan with a 586 credit score or lower.  I am sending the name of a lender that we are affiliated with that may be able to help you - double click the link and apply.

As well, I would recommend that you join Novita Financial, a free online program that can help you rebuild your credit quickly so that you can qualify for more money with better terms.

Application from: Michelle

City: Gansevoort
State: New York
Credit Rating (FICO): 590
Profession: Profession not given
Amount Requested: $15000
Age: 30
Current Debt:
Yearly Income: 2000
Zip Code: 12831

Message:

Hello! I can make monthly payments, pay larger amounts a couple times a year, as well as pay most off during tax time. I am trying to get my credit fixed up that way I can purchase a home for my family. Thank you in advance if anyone is able to help me out.


Reply to: Michelle


L
Leyna

June 23rd, 2019

Hi Michelle,

I see that you are looking for a personal loan with a 586 credit score or higher.  

You are definitely on the right track as New York 's lending laws around poor credit will prevent you from being approved.

The good news is, you just have to increase your score a little bit -I would recommend Novita Financial, a free online program that will help you improve your score very quickly.

Application from: Susan

City: Brick
State: New Jersey
Credit Rating (FICO): 645
Profession: Profession not given
Amount Requested: $2000
Age: Age not given
Current Debt: 6000
Yearly Income: Income Not Specified
Zip Code: 8724

Message:

I need money to pay for a dental implant for my front tooth


Reply to: Susan


L
Leyna

August 9th, 2019

Hi Susan -

I see that you are looking for a personal loan for dental work.  Your credit score is good, but you did not list what your monthly income is.  Those numbers will also determine if you are approved and for how much.  Regardless, our lenders do a soft pull on your credit initially and if they are able to approve you, they may then do a hard pull.  

Here is the link to the lender that I would recommend you apply to.

Best of luck,

Leyna

Application from: Susan

City: Brick
State: New Jersey
Credit Rating (FICO): 645
Profession: Profession not given
Amount Requested: $2000
Age: Age not given
Current Debt: 6000
Yearly Income: Income Not Specified
Zip Code: 8724

Message:

I need money to pay for a dental implant for my front tooth


Reply to: Susan


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