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7 Month Fast Loan Of $16000 With A Bad FICO Credit Score Of 446

Finding a hardship loan with a bad credit score of 460 to 590 can be quite a challenge. We have listed loan providers that will accept your loan application.

If you are fortunate enough to have set aside money in your 401(K), there are some emergency expenses that may qualify for withdrawal. If you are under 59 and make this withdrawal, you could expect a 10% penalty. Check with your employer before taking this step and it may take a call to your accountant or the IRS to investigate your options. We have listed bad credit loan and personal loan options for your review based on your credit score. If your credit is below 580, you can expect the maximum you can borrow without some form of collateral is $5,000. The personal loan providers accept loan applications starting with a 620 credit score. We have listed secure credit cards; unsecured credit cards for damaged credit; secured loan providers; auto refinancing options; free credit rebuilding services; payday loan repayment loan providers; co-signing loan service; student loan refinance, reverse mortgage funding, and business loans options as low as a 500 credit score. When you have bad credit, there is no funding solution that we consider a good option. We have provided what we consider are the best choices in a difficult situation. If you can wait and repair your credit first, that is our first recommendation. If we have not provided a  loan option that fits your needs, please email us at support@americaloanservice.com and we will do our best to find a funding solution for you.    

Bad Credit Loan Options

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

Personal Loan

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

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.

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

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

Auto Refinance

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

Free Credit Score Repair 

Novita Credit Score Repair

By using the Novita program, you will receive reminders to make all payments on time.

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

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

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

PAL's features:

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

 

Co-Signing or Joint Signing

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

Student Loan Refinancing

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

Reverse Mortgage

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

Reverse Mortgage Options

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.

Research your Credit Score and Credit History

If you have not completed this already, it is a good idea to check your credit score and credit history. Look through the items and make sure you agree with everything listed on the report. If you disagree with the information on the report, contact the credit bureau and let them know that there is an error. 

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. 

Loan Case Study

Sheila contacted America Loan Service looking for a $16,000 loan as fast as possible to pay off credit cards that will go into collections if they are not paid off. Sheila was talking with the hardship department at the credit card companies requesting that they restructure her payments. Sheila does not want the credit card provider to send her account to collections and damage her credit history even more. If you are struggling with making your payments with your credit card company, ask for the hardship department and see if your credit card provider can help you work through a rough period. You will need to be able to make a consistent payment and stop using the credit card.

Sheila just applied for a 3,000.00 Bad Credit high-risk loan and was approved with a 515 credit score

Sheila has worked hard over this past year to improve her credit score that was at 446 only 18 months ago. It has been a lot of work for her to even get a small loan with her credit in its current state. She also got a better job in the same company that increased her take-home pay to $18.00/hour.

Sheila made an effort to obtain a fast secured loan for $135,000.00 last year but was declined

Principle of LoanLength of Term (Years)Interest Rate (APR)Monthly Installment PaymentLending Institution
$135260.00 4 10.4% $3456.58 Wesbanco Bank Sistersville
$135440.00 5 5.3% $2574.58 Wesbanco Bank, Inc.
$134900.00 7 7.7% $2082.47 Peoples State Bank, National Association

$16000.00 Personal Loan - Franklin, West Virginia

Applying for loans frequently lowers clients credit scores. When accepted, individuals experience alterations to their credit. Sheila experienced numerous variations to their credit over the course of the acceptance of this $16000 fast loan. Sheila had a starting credit score of 446.

  • When it comes to Equifax, Sheila possessed an initial credit score of 446, thus Sheila has a bad credit score
  • Sheila had a score on the Transunion rating system of 442, which is considered bad credit
  • When it comes to Experian, Sheila possessed an initial credit score of 460, and so Sheila has a bad credit rating

Sheila acquired this fast loan from Pendleton Community Bank, Inc., a bank from West Virginia

  • Pendleton Community Bank, Inc.
  • Street Address: 300 North Main Street
  • Branch city: Franklin
  • Branch state: West Virginia
  • Branch zip code: 26807

Sheila has an Equifax score of 446. This is a bad credit score

Fico Score: 446

Sheila has a Transunion score of 442. This is a bad credit score. Credit ratings like that of Sheila influence lender's opinion

Transunion Score: 442

Sheila has an Experian score of 460. This is a bad credit score. If your score is bad like Sheila, it will not affect your odds of finding a loan

Experian Score: 460

Quote
Comment from Sheila after visiting Pendleton Community Bank, Inc. at 300 North Main Street: I was able to get a co-signer on the loan for $16,000 and pay off these credit cards. With my new job, and working hard on doing better with finances, my parents signed for me over a 60-month loan. With my parent's credit score, the interest rate was 5.49%. Thanks for all of your suggestions.  I really did not want my parents to help me, but its the cheapest way to go. 

Sheila, an individual from Franklin, originally asked about a loan of $16000.

Hi There, I'm looking for a loan for $16,000 to pay off some credit cards. I am only making the interest payment now and the credit card company is threatening me to take me to collections. I missed a few payments. I'm stuck. Wondering f you can help me? Is there a hardship loan that I could apply for somewhere? I have a new job and doing really well now.  Keep me posted if there are any fast loans near to me in Franklin, West Virginia, We can use our house for security or get a co-signer if we have too.

Client Information: Sheila
  • County: Pendleton
  • Home State: West Virginia
  • Current zip code: 26811
  • Current income: Undisclosed
  • Profession: dietetic technician
  • Credit Card Debt: $1000 on their RewardsRunner Visa Prepaid Card

Delinquent in paying American Express payments?

Longterm illness causing financial hardship so that credit card issuers are sending your account to collections? An individual can look into a debt settlement plan or hire a debt settlement representative. The debt settlement officer will propose that you stop spending on the credit card that is in default. As well, if purchases are from high ticket items the banks will not assist if they assume the couple is manipulating financial obligations. A person has to show that the couple is really having financial difficulty.

While the articles described are true, the names and some cities have been changed to protect our followers. America Loan Service would value your comments concerning 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, they will be reviewed within 24 hours and you will be notified if they are used.

Past Applications

Application from: Esther L**

City: Fallingwaters
State: WV
Credit Rating (FICO): 480
Profession: West Virginia department of highways
Amount Requested: $9000
Age: 48
Current Debt: 12000
Yearly Income: 32000
Zip Code: 25419

Message:

Hi Esther,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 480, 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 $9,000.00 for a personal loan. Our lender offers Personal Loans from $1,000.00 to $35,000.00 and you can apply on our Personal Loan page. You can also want to check out our Bad Credit Loans page. They offer loans from $500.00 to $5,000.00. If you are unable to find what you are looking for with a personal loan, have a look at our Debt Settlement page and get your credit score back to a manageable level.

Good luck

America Loan Team


Reply to: Esther L**


Application from: Ikeshia C**

City: Dayton
State: Ohio
Credit Rating (FICO): 460
Profession: Cna
Amount Requested: $2000
Age: 25
Current Debt: 10000
Yearly Income: 20000
Zip Code: 45414

Message:

Hi Ikeshia,

We will email you a provider to apply with today.


Reply to: Ikeshia C**


Application from: Jordan B**

City: Lizemore
State: Wv
Credit Rating (FICO): 577
Profession: Profession not given
Amount Requested: $2500
Age: Age not given
Current Debt: 0.00
Yearly Income: Income Not Specified
Zip Code: 25125

Message:

Hi Jordan,

We will send you a lender that may work for you.


Reply to: Jordan B**


Application from: Barbara K D**

City: Hanahan
State: SC
Credit Rating (FICO): 466
Profession: Profession not given
Amount Requested: $4000
Age: 21
Current Debt: 4000
Yearly Income: 35000
Zip Code: 29410

Message:>Hi Barbara, We will send you an email with someone that may be able to help you. While your credit score is low, you do have good income to back this. Are you trying to pay off your debt? That would also be to your benefit.

Reply to: Barbara K D**


Application from: Robert C

City: Hibbing
State: Minnesota
Credit Rating (FICO): 446
Profession: Grinder Inspector
Amount Requested: $1000
Age: 39
Current Debt: 2200
Yearly Income: 54000
Zip Code: 55746

Message:

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


Reply to: Robert C


Application from: lashala

City: imperial
State: missouri
Credit Rating (FICO): 446
Profession: Profession not given
Amount Requested: $500.00
Age: 24
Current Debt: 30,000
Yearly Income: 13200.00
Zip Code: 63052

Message:

Hi Lash,

We have found a lender that can help people with a Fico score at 446. We will forward on your request to them. America Loan Service is not a lender, we find lenders that fit the requirements based on your Fico score, income and current debt situation. Best wishes from America Loan Services


Reply to: lashala


Application from: Ashli

City: Houston
State: Tx
Credit Rating (FICO): 440
Profession: Profession not given
Amount Requested: $10000
Age: 28
Current Debt: 6,000
Yearly Income: 51000
Zip Code: 77006

Message:

Hi Ashli,

We do not have a lender that I can send your request with a Fico score of 440. I cannot even forward on your information. Regards, America Loan Service Team.


Reply to: Ashli


Application from: Ricco D**

City: Houston
State: Texas
Credit Rating (FICO): 480
Profession: Customer service representative
Amount Requested: $1300
Age: Age not given
Current Debt: Student loan and auto repair
Yearly Income: 30000
Zip Code: 77021

Message:

Hi Davis,

Without knowing the amount of your existing debt, we cannot send this to anyone. Wishing you success in finding what you are looking for. Regards, America Loan Service team


Reply to: Ricco D**


Application from: Anthony V**

City: okmulgee
State: oklahoma
Credit Rating (FICO): 446
Profession: carpenter,custodial(housekeeping) Self Employed
Amount Requested: $500
Age: 43
Current Debt: do not know
Yearly Income: 1200
Zip Code: 74447

Message:

i dont know what may keeping me as a low credit scorer but i want to build it back up

Hi Anthony,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 446, 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 $500.00 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: Anthony V**


Application from: Jordan B**

City: Lizemore
State: Wv
Credit Rating (FICO): 577
Profession: Profession not given
Amount Requested: $2500
Age: Age not given
Current Debt: 0.00
Yearly Income: Income Not Specified
Zip Code: 25125

Message:

Hi Jordan,

You live in Lizemore, Wv and are looking for $2,500.00 and you are not employed. Your credit score is 577 and you do not have debt. We do not have a lender that would help you if you are unemployed. Go to our bad credit link above on our site and you can apply for as loan from our provider that may be able to help you.


Reply to: Jordan B**


Application from: Ryan J Reed

City: Jackson
State: MI
Credit Rating (FICO): 460
Profession: Laser tech
Amount Requested: $1000
Age: 24
Current Debt: 3000
Yearly Income: 40000
Zip Code: 49203

Message:

Reply to: Ryan J Reed


Application from: Leah

City: Greenwood
State: Indiana
Credit Rating (FICO): 460
Profession: Associate Broker and Executive Assistant
Amount Requested: $10000
Age: 32
Current Debt: 8000
Yearly Income: 30000
Zip Code: 46142

Message:I am looking for a loan to help consolidate my other debt. Having one payment would be so helpful to my family and I am me getting my credit out of the gutter! I am well aware with such a low credit score, I will be paying a significant interest rate. I would need to pay this back over the course of 60 months. I am happy to have the payment set up to come directly out of my account every month to hoepfully ease the mind of the lender. I make more than enough for the monthly payment on a loan of this size. If you know someone who could help, I would be forever thankful!

Reply to: Leah


Application from: Samantha*

City: Indiana
State: Pennsylvania
Credit Rating (FICO): 460
Profession: Bartender
Amount Requested: $
Age: 23
Current Debt: 1,800
Yearly Income: Income Not Specified
Zip Code: 15701

Message:I know my credit is bad, and I am working on fixing it. I got a great new job with amazing benefits and great pay. But I ran into some emergency medical expenses that need paid off so I can start to pay off my credit cards and debt. I need this personal loan and I will pay it off monthly. Hi Sam, We emailed you some information.

Reply to: Samantha*


Application from: Bernadine C*

City: Scottdale
State: GA
Credit Rating (FICO): 446
Profession: Sales
Amount Requested: $1000
Age: Age not given
Current Debt: 10000
Yearly Income: 55000
Zip Code: 30079

Message:>Hi Bernadine, With your credit score at 446, we only have one possibility with a loan provider. The interest rates with be very high as well. We will email you a link to apply.

Reply to: Bernadine C*


Application from: Joyce*

City: Memphis
State: TN
Credit Rating (FICO): 480
Profession: MD Asst.
Amount Requested: $2500.00
Age: 38
Current Debt: 14000
Yearly Income: 46000.00
Zip Code: 38134

Message:I need to get a vehicle and get caught up on bills. >Hi Joyce, We started working with Upstart and they are a bank out of New Jersey that is offering loans on the web. Their interest rates seem very fair. They provide personal loans from $1,000 to $50,000.00 They will look at your education and your current income as well as your credit score. With you credit score at 480, your only option may be a secured loan. Do you have anything you can use as collateral? If so, you will want to go to a local Credit Union and apply for a secured loan. They will lien an asset like your home, property or other asset. Upstart usually start lending when you have a credit rating of 620 but with your income, you may still want to apply. Hope this works out for you and that you get this. Upstart does not only look at credit score. They will look at your education, income and where your debt originated like student loans as an example. The only other option that we can recommend is badcreditloans.com They offer loans from $500.00 to $5,000.00 and may be another option for you. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. Wishing you success in finding what you are looking for.

Reply to: Joyce*


Application from: Jerry

City: Bankston
State: AL
Credit Rating (FICO): 460
Profession: Truck driver
Amount Requested: $5000
Age: 41
Current Debt: 32000
Yearly Income: 41600
Zip Code: 35542

Message:I was paying all my bills on time every month without fail, until I lost my job 2 months ago. I found work fast and was only unemployed for a few weeks, but getting caught back up on bills is not happening quick enough. My credit score dropped well over 100 points in the last few weeks and my credit card bills are going to collections. I need a loan to get caught up on expenses incurred while out of work and to help bring my accounts current.

Reply to: Jerry


Application from: Oscar*

City: Santa ana
State: California
Credit Rating (FICO): 477
Profession: Assistant General Manager
Amount Requested: $
Age: 25
Current Debt: Car , Apartments
Yearly Income: 51000
Zip Code: 92701

Message:I dont care about the interest rate as long as i pay of my other debt and just make monthly payment to one person

Reply to: Oscar*


Application from: Chasity*

City: Norman park
State: GA
Credit Rating (FICO): 482
Profession: Profession not given
Amount Requested: $2000
Age: Age not given
Current Debt: 50,000
Yearly Income: Income Not Specified
Zip Code: 31776

Message:>Hi Chasity, We will email you some information. From what you are sharing with us, your credit rating is 482, you have $50,000.00 in debt and you have not completed the income or profession lines or your age. we just started working with a lender that does not only look at credit score. They will look at your education, income and where your debt originated like student loans as an example. We will send you some information but we could be wrong based on the limited info you have provided.

Reply to: Chasity*


Application from: Chasity Merritt

City: Norman park
State: GA
Credit Rating (FICO): 482
Profession: Profession not given
Amount Requested: $2000
Age: Age not given
Current Debt: 50,000
Yearly Income: Income Not Specified
Zip Code: 31776

Message:

Reply to: Chasity Merritt


Application from: derick

City: alcester
State: sd
Credit Rating (FICO): 465
Profession: Crane operator
Amount Requested: $3500.00
Age: 39
Current Debt: Truck which is 30,000 plus the couple grand in medical bills
Yearly Income: Income Not Specified
Zip Code: 57001

Message:please, I'm deseperate. please help me

Reply to: derick


Application from: Monica*

City: Hemet
State: California
Credit Rating (FICO): 480
Profession: Food service and benefits
Amount Requested: $10000
Age: 49
Current Debt: 10000
Yearly Income: 18207
Zip Code: 92544

Message:Just want to pay my debts and have one payment. >Hi Monica, Sorry to hear about your loss. With your credit rating at 480, you will have a difficult time getting a $10,000.00 loan without security. If you have a home that you can use for security, that would be your best route and provide the lowest interest rate. the lender we deal with offer unsecured loans and require a credit score usually above 580.

Reply to: Monica*


Application from: KELLIE W*

City: PIKESVILLE
State: MD
Credit Rating (FICO): 446
Profession: SALES COORDINATOR
Amount Requested: $10000.00
Age: 46
Current Debt: 3000.00
Yearly Income: 52000.00
Zip Code: 21208

Message:PLEASE HELP ME >Hi Kellie, We have a few ideas for you. Was you credit rating damaged due to illness? We will email you information about a lender that thinks outside the box of credit history and Fico score.

Reply to: KELLIE W*


Application from: David C*

City: SHALIMAR
State: FL
Credit Rating (FICO): 456
Profession: Profession not given
Amount Requested: $2000.00
Age: Age not given
Current Debt:
Yearly Income: 26000
Zip Code: 32579

Message:>Hi David, We will send you a link to a lender that may be able to help you.

Reply to: David C*


Application from: Christen

City: Bloomingdale
State: Georgia
Credit Rating (FICO): 480
Profession: Ophthalmic Technician
Amount Requested: $600
Age: 27
Current Debt: 5600
Yearly Income: 26000
Zip Code: 31302

Message:I need help with giving my son a good Christmas and having to pay for unexpected vehicle repairs

Reply to: Christen


Application from: Jose R*

City: San Antonio
State: TX
Credit Rating (FICO): 460
Profession: Military
Amount Requested: $
Age: 26
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 78209

Message:During and after the divorce process bills acumulated resulting in unpaying credit cards, cars, and lost my house >Hi Jose, Divorce is so hard on everyone's financial position. Our bills double after divorce now needing two places to live, in many cases more capital required with children and credit cards are usually the first thing people run up. Going how you filled out our form, we see just how difficult this divorce has been on you. Without your income, amount of money you require and your current debt amount, we cannot advise you on anything. Get back to us.

Reply to: Jose R*


Application from: James V*

City: Haleyville
State: AL
Credit Rating (FICO): 488
Profession: Profession not given
Amount Requested: $1500.00
Age: 25
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 35565

Message:

Reply to: James V*


Application from: Ashley R*

City: Lubbock
State: Texas
Credit Rating (FICO): 537
Profession: Bartender
Amount Requested: $2500
Age: 24
Current Debt:
Yearly Income: 25000
Zip Code: 79412

Message:The past couple months have been very hard...car issues kids getting sick...me getting sick!!! I have fallin behind to where disconnect notices have came already rent still isn't paid and I can't lose my home! My kids and I will have nowhere else to go! Please help! Here are a few options for you. With your credit rating at 527, you have limited options The option that we can recommend for the amount you require and is badcreditloans.com They offer loans from $500.00 to $5,000.00 and the interest rate will be expensive. The approval rating that we have seen so far is very low. 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.

Reply to: Ashley R*


Application from: Leah

City: Greenwood
State: Indiana
Credit Rating (FICO): 460
Profession: Associate Broker and Executive Assistant
Amount Requested: $10000
Age: 32
Current Debt: 8000
Yearly Income: 30000
Zip Code: 46142

Message:I am looking for a loan to help consolidate my other debt. Having one payment would be so helpful to my family and I am me getting my credit out of the gutter! I am well aware with such a low credit score, I will be paying a significant interest rate. I would need to pay this back over the course of 60 months. I am happy to have the payment set up to come directly out of my account every month to hoepfully ease the mind of the lender. I make more than enough for the monthly payment on a loan of this size. If you know someone who could help, I would be forever thankful!

Reply to: Leah


Application from: Leah

City: Greenwood
State: Indiana
Credit Rating (FICO): 460
Profession: Associate Broker and Executive Assistant
Amount Requested: $10000
Age: 32
Current Debt: 8000
Yearly Income: 30000
Zip Code: 46142

Message:I am looking for a loan to help consolidate my other debt. Having one payment would be so helpful to my family and I am me getting my credit out of the gutter! I am well aware with such a low credit score, I will be paying a significant interest rate. I would need to pay this back over the course of 60 months. I am happy to have the payment set up to come directly out of my account every month to hoepfully ease the mind of the lender. I make more than enough for the monthly payment on a loan of this size. If you know someone who could help, I would be forever thankful!

Reply to: Leah


Application from: Brian P*

City: Evansville
State: Indiana
Credit Rating (FICO): 481
Profession: Profession not given
Amount Requested: $2500
Age: 31
Current Debt: 0
Yearly Income: 38000
Zip Code: 47710

Message:I wanna to reassure you that I will have the funds payed back.

Reply to: Brian P*


Application from: Leah

City: Greenwood
State: Indiana
Credit Rating (FICO): 460
Profession: Associate Broker and Executive Assistant
Amount Requested: $10000
Age: 32
Current Debt: 8000
Yearly Income: 30000
Zip Code: 46142

Message:I am looking for a loan to help consolidate my other debt. Having one payment would be so helpful to my family and I am me getting my credit out of the gutter! I am well aware with such a low credit score, I will be paying a significant interest rate. I would need to pay this back over the course of 60 months. I am happy to have the payment set up to come directly out of my account every month to hoepfully ease the mind of the lender. I make more than enough for the monthly payment on a loan of this size. If you know someone who could help, I would be forever thankful!

Reply to: Leah


Application from: Ronnie Boysel

City: Brookhaven
State: Mississippi
Credit Rating (FICO): 480
Profession: Teacher
Amount Requested: $2000
Age: 63
Current Debt: 38000
Yearly Income: 55000
Zip Code: 39601

Message:

Reply to: Ronnie Boysel


Application from: Harold*

City: Lorain
State: Ohio
Credit Rating (FICO): 460
Profession: Profession not given
Amount Requested: $350
Age: 68
Current Debt: 1200
Yearly Income: 12850
Zip Code: 44052

Message:

Reply to: Harold*


Application from: Karen*

City: Decatur
State: Al
Credit Rating (FICO): 541
Profession: Resolution Coordinator
Amount Requested: $6000.00
Age: 42
Current Debt: 2000.00
Yearly Income: 25000
Zip Code: 35603

Message:I was always on time on my bills, 2 months ago, I had good credit and now that I got behind my credit score dropped. I wished someone would give me a chance to see i will be a value customer. I just need a second chance to get back on track Hi Karen, We can only suggest that you contact the credit card provider and work out arrangements to get back on track. Your current debt is very low and a payment plan that you can manage is possible. Call them, tell them what is happening in your life and set up a plan. Life happens to all of us and credit card companies understand that. Running away or not dealing with the issue is the worst thing any of us can do and it damages our credit score. If you are in collections, call them and start making payments. Stop spending. We offer free credit repair services. Check this out

bad credit score repair


Reply to: Karen*


Application from: Karen*

City: Decatur
State: Al
Credit Rating (FICO): 541
Profession: Resolution Coordinator
Amount Requested: $6000.00
Age: 42
Current Debt: 2000.00
Yearly Income: 25000
Zip Code: 35603

Message:I was always on time on my bills, 2 months ago, I had good credit and now that I got behind my credit score dropped. I wished someone would give me a chance to see i will be a value customer. I just need a second chance to get back on track

Reply to: Karen*


Application from: Jose F*

City: Salinas
State: Ca
Credit Rating (FICO): 580
Profession: General Contractor
Amount Requested: $25000
Age: 59
Current Debt:
Yearly Income: 265000
Zip Code: 93907

Message:Hi Jose, Try applying with Ondeck. They may help you with business loan

Reply to: Jose F*


Application from: Jerry

City: Tampa
State: Florida
Credit Rating (FICO): 447
Profession: Disabled
Amount Requested: $10000
Age: 38
Current Debt: Credit card utility bills TeleCheck system
Yearly Income: 98000
Zip Code: 33682

Message:

Please help I'm in dire need I've became homeless and I need to get creditors off of my back


Reply to: Jerry


Application from: Amanda

City:
State: Vermont
Credit Rating (FICO): 480
Profession: Housekeeping
Amount Requested: $5500.00
Age: 35
Current Debt: 11950.00
Yearly Income: 31000
Zip Code: 5836

Message:

I am desperately looking for help from a lender as I am having a really hard time staying above water because of the fact that I have been homeless living between my car and hotels because I cant afford to do that and save to get in an apartment. I would like the loan so that I can pay off the debts that I have validated with my creditors several of them have been there for more than 10 years and are still present I have wrote about them to the creditors as well as the 3 major reporting agencies so to have them removed as that is a huge factor on my current credit rating and I know if I could just get this little bit of help to get my head out of the water that things would definitely absolutely allow me to pay a few things off in return it will increase my credit worthiness as well as me being able to consolidate Bill's, get me and my children back into as apartment no longer living in my car as in Vermont it is very hard to do let alone in the winter months with a young children. Praying for a miracle at this point. Thank you


Reply to: Amanda


Application from: Todd

City: San Antonio
State: TX
Credit Rating (FICO): 521
Profession: Consultant
Amount Requested: $16000.00
Age: 68
Current Debt: $5004.00
Yearly Income: 36028
Zip Code: 78201

Message:

Investing into a RV in order to keep from being homeless.


Reply to: Todd


Application from: Christopher

City: Dallas
State: Tx
Credit Rating (FICO): 424
Profession: Nurse
Amount Requested: $60000
Age: 43
Current Debt: $56,00000
Yearly Income: 105141
Zip Code: 75219

Message:

Help


Reply to: Christopher


Application from: Don

City: Orlando
State: Florida
Credit Rating (FICO): 460
Profession: Ex military
Amount Requested: $5000
Age: 28
Current Debt: 11,000
Yearly Income: Income Not Specified
Zip Code: 32801

Message:

Just trying to get my life back on track before I lose the love of my life


Reply to: Don


Application from: Ashley

City: lithonia
State: GA - Georgia
Credit Rating (FICO): 481
Profession: Manager
Amount Requested: $2000
Age: 32
Current Debt: 23000
Yearly Income: 39896
Zip Code: 30058

Message:

I got into a car accident a couple of months back and my bills are sky high high I need help before my family and I are homeless.


Reply to: Ashley


A
Anthony

March 30th, 2019

Hi Ashley -

Sorry to hear about your car accident and subsequent request for a hardship loan for bad credit.  Unfortunately, due to the stringent lending laws around bad credit in GA, we do not have any lenders that can help you.

Best of luck,

Regards,

Anthony

Application from: Sara

City: Los Angeles
State: California
Credit Rating (FICO): 503
Profession: Driver
Amount Requested: $7500
Age: Age not given
Current Debt:
Yearly Income: 48000
Zip Code: 90731

Message:

I've been in my apartment 19 years and have had some bad luck the last few months or so and rent increases and income decreases etc and my landlord was working with me but now that I'm stable financially, times up and I got a 3 day notice which I obviously can't pay that fast, but I can in a month or so, I just don't have that long anymore and don't want to and cat afford to move. But if I pay , plus lawyer fees, they said u can stay. Please help. I can make the money just not in 3 days.


Reply to: Sara


G
Gerald

April 29th, 2019

Hi Sara

I am sending a link to a few of our lenders that may be able to help you find an Installment loan.  Please read the terms and conditions, especially the interest rates as with your low credit score you will only have high-interest rates available.

Bad Credit Loans

OppLoans

Personal Loans

Cash USA

Signature Loan

Cash Advance

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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