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

7 Year High Risk Loan Of $16000 With A Fair FICO Credit Score Of 506

When you apply for a high risk loan, it can be difficult to access money when lenders see a higher probability of nonpayment or default. Traditional lenders like banks and credit unions will not quote on high risk loans when consumers credit score requirements do not meet the minimum standard. We've provided a list of loan providers for your review for bad credit loan providers that invite "every credit score to apply a loan" and do not use traditional credit scoring in the application process. The lenders focus on the borrower's employment history and monthly income other than credit score. The high risk personal loan lenders provide smaller loans with shorter terms than standard unsecured personal loans. We are trying to get creative here for you and added a list of other lenders that could be a possibility if you have a co-signer, equity in your home or business and even a credit card designed for high risk applicants.

Where to Apply for a High Risk Loan

Most high risk lenders are private companies who do not fall under the of traditional lending institutions. We encourage you to read the terms and conditions with any loan offer and make sure you understand what you are signing up for. Most lenders will complete a soft pull on your credit score and if your credit score is below their established credit risk, the lender will not proceed with the loan application.

High Risk Bad Credit Loan Options

$1000 is the amount that most high risk loan lenders as willing to offer unsecured if your credit score is below 580. 

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

Auto Refinance

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

Free Credit Score Repair

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

Research your Credit Score and Credit History

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

Lexington Law

Lexington Law tries to help consumers repair errors on their credit report. 

Bad Credit Auto Financing

If you are searching for an auto loan up to $45,000, 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

High Risk Payday Loan Debt Consolidation: $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 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 on a High Risk Personal Loan

Alisha completed that application on America Loan Service searching for a $16,000 high risk loan with a credit score of 506. Alisha had fallen behind on her payments when she was in a bad car accident and could not work. Alisha was living on credit during her recovery time and is now able to get back to work selling real estate.

She contacted America loan service wondering what choices she may have with a bad credit score and we provided the options listed on this page for her consideration.

Alisha is a realtor and works with banks, credit unions and mortgage brokers daily. Alisha understands the cost of home equity loans and home equity credit lines and the banks position on high risk loans but has never been in this positon herself. She also knows the lender's position on providing a high risk loan with a credit score in the 500's. Alisha owns a home and has some equity that she could access. She needs a lender that will look beyond her current credit score and see that she is now back on track working and earning enough to cover her monthly expenses.

Alisha wanted to keep the monthly loan amount as low as possible and pay off her high interest debt. It is placing her in a negative position every month.

Alisha made an attempt to get a high risk loan for $16,000.00 but was declined

Principle of LoanLength of Term (Years)Interest Rate (APR)Monthly Installment PaymentLending Institution
$16000.00 10 9.5% $207.04 Santa Monica Bank
$16000.00 5 10.7% $345.49 Farmers and Merchants Bank of Long Beach
$16000.00 9 6.8% $198.48 First Interstate Bank of California
$16000.00 11 5.3% $160.22 Union Bank
$16000.00 3 7.4% $496.96 Citizens Commercial Trust and Savings Bank of Pasadena
$117190.00 5 8.5% $328.26 Wells Fargo Bank, National Association
$16000.00 3 6.3% $488.93 Citizens State Bank of Santa Paula

Alisha has a personal loan of $13,000 from First Interstate Bank of California with $2,200 outstanding that she wants to pay off with this new loan

Starting Interest Rate (APR)Remaining principleLender nameLender cityLender StateLoan Obtained
5.6% APR $2200 outstanding First Interstate Bank of California Los Angeles California

High risk loan for $16000 - Fullerton, California

Applying for personal loans or credit cards frequently changes borrowers credit scores. Every time their application is turned down, their credit score can be affected. Once approved, people experience alterations to their credit especially if they make their payments on time. Alisha experienced a decline in her credit while she was applying to several banks looking for acceptance of this $16000 high risk loan. Alisha had an initial credit score of 506.

  • On the Fico scale, Alisha had a 506 credit rating, a fair credit score
  • Alisha had a credit value on the Transunion scale of 487, which is considered bad credit
  • When it comes to Experian, Alisha had an initial rating rating of 517, which, unfortunately, is still considered bad credit.

Alisha got a loan from California Pacific Bank despite her bad credit score. This is their contact details

  • California Pacific Bank
  • Street Address: 1700 West Orangethorp Street
  • Branch city: Fullerton
  • Branch state: California
  • Branch zip code: 92633
  • Branch County: Orange

Calculated with the Equifax scale, Alisha has a bad credit rating of 506

Fico Score: 506

Alisha has a Transunion score of 487. This is a bad credit rating. Credit scores like that of Alisha influence the bank's choices

Transunion Score: 487

With the Experian scale, Alisha has a bad credit rating of 517, that impacted their loan interest

Experian Score: 517

FICO was changed due to this $16000 high risk loan. Score change: 506 - 502

The Fico rating of Alisha was reduced to 502 from 506 due to this high risk loan. We should remember, all loans can reduce your credit rating even if you are not approved.

Comments from Alisha after visiting the California Pacific Bank at 1700 West Orangethorp Street:
I was unable to get a loan with my credit score at 506, 487, and 517. I had $82,000 of equity in my home and the bank would not provide the loan even with the security. I ended up with a personal loan for the $16,000 at 5.97% after a family member co-signing the loan. I did take the advice of America Loan Service and signed up with Novita to get my credit score back on track. Ass soon as I have improved my credit score and I can qualify on my own, I am getting rid of this co-signer.  

Alisha began by asking for their high risk loan with this form

I looking for a high risk loan of $16000. Let me know if there are any possibilities of high risk lenders near to me in Fullerton, California.  

Borrower Details: Alisha
  • County: Orange
  • Home State: California
  • Current zip code: 92638
  • Current income: undisclosed
  • Profession: Realtor
  • Credit Card Debt: $2000 on their Evans Bank Visa Signature® Card with Maximum Rewards®

Debt Consolidation for Alisha in Fullerton, California

Alisha met U.S. Bank of California 1700 West Orangethorp Street while hunting for debt consolidation advice on a loan for $16,000. The money was needed to pay towards existing debt. They were advised that the bank could not lend them any more money until their credit score was over 650. Alish and her husband have joined Novita a credit rebuilding program offered at America Loan Service

While the situations highlighted are real, the names and some locations have been changed to protect our readers. We would appreciate your comments on our work. Please do not give this website your last name and try to keep the information in your testimonial quite nonspecific. It is the overall topic that everyone relates to and we appreciate your comments. When you send your comments, they will be reviewed within 24 hours and you will be notified if they are published.

Past Applications

Application from: Darrell D**

City: Hillsboro
State: OR
Credit Rating (FICO): 506
Profession: United States Post Office
Amount Requested: $5000
Age: 41
Current Debt: 14000
Yearly Income: Income Not Specified
Zip Code: 97123

Message:

I am currently in a hardship situation, struggling to cover my bills. I currently have a 72 hour notice on my rent and am 3 payments behind on my vehicle. Once I receive this loan, I can get caught up and be set to stay caught up. Thank you

Hi Darrell,

I will send you to a lender that my help you out with the $5,000.00 amount. Make sure you mention that you were in the military.
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: Darrell D**


Application from: George**

City: Castroville
State: California
Credit Rating (FICO): 619
Profession: Profession not given
Amount Requested: $8000
Age: Age not given
Current Debt: 5200
Yearly Income: 53000
Zip Code: 95012

Message:

Hi George,

We work with a loan provider that should be able to help you. We have emailed you the lender that we think will provide you the loan you are looking for. Debt consolidation is always a great idea.

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: George**


Application from: KALEEMA S.

City: SOUTH HACKENSACK
State: NEW JERSEY
Credit Rating (FICO): 525
Profession: PAYROLL
Amount Requested: $21000
Age: 32
Current Debt: CREDIT CARDS AUTO HOSPITAL
Yearly Income: 65000
Zip Code: 7606

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: KALEEMA S.


Application from: Bobbie M.

City: San Antonio
State: Texas
Credit Rating (FICO): 530
Profession: Human Resources - Executiver Recruiter
Amount Requested: $6000
Age: 65
Current Debt: Mortgage, auto loan, medications for diabetes and cancer, personal loans
Yearly Income: 70392
Zip Code: 78253

Message:

I am asking for a loan to pay off some debts. Also to get work done on my vehicle, as well as some updates to my home.

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: Bobbie M.


Application from: Elizabeth P

City: Lexington
State: North Carolina
Credit Rating (FICO): 567
Profession: Profession not given
Amount Requested: $10000
Age: Age not given
Current Debt: 30,000
Yearly Income: Income Not Specified
Zip Code: 27295

Message:

Hi Eli,

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: Elizabeth P


Application from: Beyonka Robinson

City: WASHINGTON
State: District Of Columbia
Credit Rating (FICO): 517
Profession: Profession not given
Amount Requested: $1500
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 20020

Message:

Reply to: Beyonka Robinson


Application from: MICHELLE P MONROY

City: 5917 LOFTIS RD LOT 17
State: SOUTH CAROLINA
Credit Rating (FICO): 520
Profession: MEDICAL CODER SPECIALIST
Amount Requested: $15,000
Age: 49
Current Debt: AROUND 10,000 TO 15,000
Yearly Income: 39,107
Zip Code: 29410

Message:REALLY TRYING TO GET BACK ON MY FEET BEEN AT MY JOB TO 21 YEARS JUST CANT GET EVRYTHING PD WITH JUST ONE PAYMENT

Reply to: MICHELLE P MONROY


Application from: Edgar Valenzuela

City: PARAMOUNT
State: CA
Credit Rating (FICO): 510
Profession: Profession not given
Amount Requested: $6000
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 90723

Message:I really need help to get back on track

Reply to: Edgar Valenzuela


Application from: Sidney A*

City: Lanai city
State: HAWAII
Credit Rating (FICO): 488
Profession: Profession not given
Amount Requested: $10000
Age: 32
Current Debt: 15000
Yearly Income: 45000
Zip Code: 96763

Message:Please Help I have a good job now but could really use the help

Reply to: Sidney A*


Application from: Teresa massie

City: Spout spring
State: Va
Credit Rating (FICO): 506
Profession: Disability benefits
Amount Requested: $1500.00
Age: 51
Current Debt: 6000
Yearly Income: 50000
Zip Code: 24593

Message:

Reply to: Teresa massie


Application from: Fleur M

City: Anderson
State: California
Credit Rating (FICO): 506
Profession: In home care provider
Amount Requested: $10000
Age: Age not given
Current Debt: 5600
Yearly Income: 25000
Zip Code: 96007

Message:

Reply to: Fleur M


Application from: miguel O*

City: Irvington
State: new Jersey
Credit Rating (FICO): 506
Profession: sanitation driver
Amount Requested: $1500
Age: 47
Current Debt:
Yearly Income: 45000
Zip Code: 7111

Message:I need help please help me can pay you back in 15 months back Hi Miguel, With a credit score of 506, the only option we can recommend is badcreditloans.com.

Reply to: miguel O*


Application from: Thomas*

City: WARTBURG
State: TN
Credit Rating (FICO): 560
Profession: Auto Sales
Amount Requested: $5000
Age: 62
Current Debt: Mortgage, loans
Yearly Income: 36000
Zip Code: 37887


Reply to: Thomas*


Application from: Carrie F*

City: San Francisco
State: California
Credit Rating (FICO):
Profession: Profession not given
Amount Requested: $5000.00
Age: Age not given
Current Debt:
Yearly Income: 23000
Zip Code: 94103

Message:

Reply to: Carrie F*


Application from: Carrie F*

City: San Francisco
State: California
Credit Rating (FICO): 540
Profession: Childcare
Amount Requested: $5000.00
Age: 57
Current Debt: 1200
Yearly Income: 23000
Zip Code: 94103

Message:I was naive and allowed some people to get to clothes and they took advantage and set up a couple of accounts using my identity the debt on those is fairly low and I want to be able to just pay it off and move on I also my dentist and a pawn shop as well as a couple of other things I'm trying to clean up my credit so that I can fulfill the goal of starting a small business as soon as possible

bad credit score repair

bad credit personal loan options


Reply to: Carrie F*


Application from: Joana*

City: Los Angeles
State: California
Credit Rating (FICO): 530
Profession: Retired Executive Secretary United StatesFederal Government
Amount Requested: $5000
Age: 71
Current Debt: Credit cards, payday loans
Yearly Income: 27264
Zip Code: 90008

Message:3weeks ago in the hospital for pneumonia. Needing the loan will pay off IRS tax bill $919, pay loans and other bills and will just have one payment a months Hi Joana, Here are a couple of options for you.

bad credit score repair

bad credit personal loan options


Reply to: Joana*


Application from: Joana*

City: Los Angeles
State: California
Credit Rating (FICO): 530
Profession: Retired Executive Secretary United StatesFederal Government
Amount Requested: $5000
Age: 71
Current Debt: Credit cards, payday loans
Yearly Income: 27264
Zip Code: 90008

Message:3weeks ago in hospital for pneumonia. Needing the loan will pay off IRS taX bill $919, pay loans and other bills and will just have one payment a months Try this Joana,

bad credit personal loan options


Reply to: Joana*


Application from: Toynika*

City: Houston
State: Texas
Credit Rating (FICO): 563
Profession: Profession not given
Amount Requested: $5000
Age: 37
Current Debt: 4000
Yearly Income: 14617
Zip Code: 77053

Message:I have low credit and recent credit history. I am in need of a loan like yesterday. How can i get approved for a loan to improve my credit and get rid of debts for employment? Hi There, Try this link. We will email you a few other options.

bad credit personal loan options


Reply to: Toynika*


Application from: Alonzo W*

City: el paso
State: tx
Credit Rating (FICO): 612
Profession: disable vet
Amount Requested: $6500
Age: Age not given
Current Debt:
Yearly Income: 44000
Zip Code: 79924

Message:Hi Alonzo, Go to our homepage and select personal loans. Then select fair credit. You should qualify for LendingPoint.

Reply to: Alonzo W*


Application from: Louis S*

City: Cleveland
State: Ohio
Credit Rating (FICO): 534
Profession: Profession not given
Amount Requested: $8500
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 44134

Message:If you decide to give me the loan i will pay on time itll help me build my credit up to thanks

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

Any Credit Score Can Apply

Credit Score Repair


Reply to: Louis S*


Application from: Louis*

City: Cleveland
State: Ohio
Credit Rating (FICO): 534
Profession: Profession not given
Amount Requested: $8500
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 44134

Message:If you decide to give me the loan i will pay on time itll help me build my credit up to thanks

bad credit score repair


Reply to: Louis*


Application from: DANA*

City: Berea
State: OH
Credit Rating (FICO): 510
Profession: Recruiter
Amount Requested: $10000
Age: 32
Current Debt: 15000
Yearly Income: 50000
Zip Code: 44017

Message:I am trying to get a loan to get myself a head of the game finally and to have that 2nd chance. I would like to get rid of all of my debt Hi Dana, We find that if your credit score is under 590, the best you can expect without collateral or security is a $5,000.00 loan. You can try this link if your interested.

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

Any Credit Score Can Apply


Reply to: DANA*


Application from: Tenesha S*

City: Virginia Beach
State: Va
Credit Rating (FICO): 527
Profession: Profession not given
Amount Requested: $300
Age: 29
Current Debt: 615
Yearly Income: 37000
Zip Code: 23451

Message:Hi Tenesha, Try this link

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

Any Credit Score Can Apply


Reply to: Tenesha S*


Application from: Charlie N*

City: Covington
State: GA
Credit Rating (FICO): 500
Profession: Profession not given
Amount Requested: $146000
Age: Age not given
Current Debt: Medical bills
Yearly Income: Income Not Specified
Zip Code: 30014

Message:Im trying to better myself and would love to open own restaraunt possibly 2. You will need to your bank about an SBA loan or private lenders to back you. With a 500 credit score and no business income yet, we do not have lender is this area.

Reply to: Charlie N*


Application from: Alexis*

City: Chester
State: Va
Credit Rating (FICO): 500
Profession: Profession not given
Amount Requested: $10000
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 23836

Message:Facing eviction and no way to pay bills. I have no help and my credit score is suffering after many attempts to get loans. I'm desperate and cant get back on my feet. No one will loan to me I keep getting lead on only to get denied. Hi Alexis, With your credit score at 500, it will be a struggle to find money anywhere without a co-signer or some type of collateral to secure a loan. Would suggest credit repair.

bad credit score repair


Reply to: Alexis*


Application from: DONALD G*

City: Spring
State: TX - Texas
Credit Rating (FICO): 635
Profession: Driver
Amount Requested: $2500
Age: 38
Current Debt: 35000
Yearly Income: 90000
Zip Code: 77386

Message:Hi Donald, With your credit score at 635, check out this link They will take applications regardless of credit score. They offer loans from $500.00 to $5,000.00 https://www.badcreditloans.com/?aid=11093&cid=1472¬e={SUBID}&atrk={CLICK_ID} If you have assets to use as collateral, we would suggest a secured loan through your local Credit Union. If will cost you less in interest if you can qualify. We can also recommend one company that offers debt settlement services called national debt relief if your debt is over $7,500.00 https://americaloanservice.com/novita Novita | Reboot your credit americaloanservice.com The only personal finance system purpose built for people with bad credit Disclaimer: America Loan Service is not a lender. America Loan Service has no influence on the lender's 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. Cheers,

Reply to: DONALD G*


Application from: Greg*

City: Seattle
State: Washington
Credit Rating (FICO): 510
Profession: Business owner
Amount Requested: $3500
Age: 39
Current Debt: 2200
Yearly Income: 35000
Zip Code: 98108

Message:Looking to get my work van repaired. Pay off 2 low limit cards. Pay off one high interest loan. Hi Greg, I emailed you a provider that may work for you. We would suggest that you come and try out our new credit repair service called Novita so you can get your finances back on track. https://americaloanservice.com/novita You can also try this link

bad credit personal loan options


Reply to: Greg*


Application from: Shaun*

City: Springfield
State: MA
Credit Rating (FICO): 549
Profession: Disable
Amount Requested: $40000
Age: 37
Current Debt: 3000
Yearly Income: 10612
Zip Code: 1105

Message:I need a loan asap pleases Hi Shaun, With a 549 credit score, you will need some form of security or a co-signer. If you can use your home as collateral, this may work for you. You would need to calculate the amount of equity in your home to see if there is enough to leverage the amount you want to borrow. We have found that lenders with risk up to $5,000. unsecured when your credit score is below 600. Regards Gerald Proctor

Reply to: Shaun*


Application from: Shanetria*

City: Springfield
State: Tennessee
Credit Rating (FICO): 472
Profession: Assembly
Amount Requested: $5000
Age: 34
Current Debt:
Yearly Income: 30000
Zip Code: 37172

Message:

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

Any Credit Score Can Apply


Reply to: Shanetria*


Application from: David*

City: Sophia
State: North Carolina
Credit Rating (FICO): 580
Profession: Advanced Process Technician
Amount Requested: $25000
Age: 44
Current Debt: 23000
Yearly Income: 53000
Zip Code: 27350

Message:Trying to get myself out of the hole I've dug myself into. Looking to be able to breathe again, financially speaking. Please help. Hi David, We would suggest that you work towards getting your credit score above 600 before applying, you will have more options and a better interest rate. If you are stuck and have to apply now, here is the best option.

bad credit personal loan options


Reply to: David*


Application from: cheryl*

City: Bethany
State: MO
Credit Rating (FICO): 620
Profession: deli/ bakeryl
Amount Requested: $25000
Age: 51
Current Debt: 65000
Yearly Income: 34788
Zip Code: 64424

Message:I really need your help with getting this loan. I would like it for 84 - 120 months. I need to get my truck fixed as i have to take my dad 50 miles out of town to get his chemo treatments. If it was not for needing to take dad to his treatments, would not even ask. Please let me know as soon as you can if you are able to help try this Cheryl,

Upgrade


Reply to: cheryl*


Application from: Rebecca

City: Yakima
State: Wa
Credit Rating (FICO): 575
Profession: Disability
Amount Requested: $2000
Age: 34
Current Debt:
Yearly Income: 17000
Zip Code: 98901

Message:

Needing an emergency hardship loan as I've had a family emergency situation and having a difficult time acquiring a loan. I am on fixed disability income monthly but it is guaranteed monthly income every month


Reply to: Rebecca


Application from: Brandon

City:
State: Virginia
Credit Rating (FICO): 506
Profession: Construction/Carpenter
Amount Requested: $3500
Age: 33
Current Debt:
Yearly Income: 21000
Zip Code: 24277

Message:

I need the funds for a lawyer..


Reply to: Brandon


Application from: Benny jones

City: Houston
State: Tx
Credit Rating (FICO): 600
Profession: Maintenance
Amount Requested: $5000
Age: 52
Current Debt: Yes
Yearly Income: 46000
Zip Code: 77085

Message:

Hi Benny,

With a 600 credit score, you have two option for $5,000 Here are the links below. 

The company offers loans up to $5,000

Loan offers from $2500 to $25,000 with credit scores starting at 590+

Hope this helps.

Good Luck,

 

 

 

 


Reply to: Benny jones


Application from: Jimmy

City: Tifton
State: Georgia
Credit Rating (FICO): 500
Profession: Truck driver
Amount Requested: $50000
Age: 34
Current Debt: Yes
Yearly Income: 60000
Zip Code: 31794

Message:

Need a loan to pay off debt and buy me a semi truck


Reply to: Jimmy


Application from: Becca

City: Marlborough
State: Massachusetts
Credit Rating (FICO): 550
Profession: Supervisor
Amount Requested: $2500
Age: 46
Current Debt: Under 1,000
Yearly Income: 46000
Zip Code: 1752

Message:

I had a heartattack a few years ago with 3 blockages. I have finally gotten on my feet and able to work again but i was out of work for so long i now am beyond behind.


Reply to: Becca


Application from: Dani

City: Far Hills
State: New Jersey
Credit Rating (FICO): 558
Profession: Teacher and Coach
Amount Requested: $15000
Age: 31
Current Debt: 11000
Yearly Income: 70000
Zip Code: 7931

Message:

Trying to get myself out of a financial hole I put myself into over the past 3-5 years. My credit has dropped tremendously along with saving for a wedding it has been very hard to get back on track. I cannot get approved for loans due to my credit score, however, I need to get out of this hole and I am seeking a long term loan to help. Thank you for your time.


Reply to: Dani


Application from: Eddie Reynolds

City: Cuthbert
State: GA
Credit Rating (FICO): 530
Profession: Supervisor
Amount Requested: $4500
Age: 29
Current Debt:
Yearly Income: 40000
Zip Code: 39840

Message:

I am in dying need of this loan. I got bills piling up and in desperate need of a vehicle to get my children back and forth to the dr.


Reply to: Eddie Reynolds


Application from: Eva

City: Weymouth
State: Massachusetts
Credit Rating (FICO):
Profession: Profession not given
Amount Requested: $5000
Age: 44
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 2188

Message:

Hello I am currently behind on my rent. I have until 2/28/2019 to pay what I owe.


Reply to: Eva


Application from: Dale

City: Spring Arbor
State: Mi
Credit Rating (FICO): 590
Profession: VP
Amount Requested: $20000
Age: Age not given
Current Debt: 17000
Yearly Income: 90000
Zip Code: 49283

Message:

I had greT credit then my department was let go and jobs were out sources. It was all I could do to keep a roof over my kids head and pay their tuition.


Reply to: Dale


Application from: Brandi

City: St George
State: Utah
Credit Rating (FICO): 540
Profession: Office Manager/ Sales Manager
Amount Requested: $25000
Age: 37
Current Debt: mortgage, car, student loan, medical bills
Yearly Income: 250000
Zip Code: 84790

Message:

Please help, I see on here you say people were approved with credit scores lower than mine. Only got behind due to medical issues causing to be out of work for a few months. income is high and we can afford to pay off loan and medical


Reply to: Brandi


A
Anthony

April 29th, 2019

Hi Brandi-

Sorry to hear about your health and financial difficulties.  I am sending a link to one of our lenders that may approve your application for a high-risk personal loan.  They do a soft pull on your credit score so applying will not affect your score should you not be approved.  Having a credit score under 600 is considered a high-risk loan to the lender.  They may charge higher interest rates, shorter terms and lend more money.  This lender specializes in lending to those with less than good credit.  

Bad Credit Loan

I would also recommend joining Novita - a free online program that can help you rebuild your credit quickly.  Click here if you would like more information about high-risk personal loans 

Best of luck,

Regards,

Anthony

Application from: Sims

City: McKeesport
State: Pennsylvania
Credit Rating (FICO): 570
Profession: Profession not given
Amount Requested: $7000
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 15132

Message:

I just need to pay off this one bill and I'll be happy


Reply to: Sims


G
Gerald

April 29th, 2019

Hi Sims -

I see that you are looking for high-risk personal loans. We do have lenders that lend to those looking for high-risk loans, but unfortunately, due to the stringent lending laws in PA, our lenders do not lend there.  I would recommend joining Novita Financial, a free on-line program to help you rebuild and repair your credit score.  For more information on the lending laws in Pennsylvania click here.

Best of luck,

Regards,

Gerald

 

Application from: Bri

City: Sayre
State: Pennsylvania
Credit Rating (FICO): 562
Profession: Web Hosting Sales and Pre-Sales
Amount Requested: $15000
Age: 33
Current Debt: $12,000
Yearly Income: 28000
Zip Code: 18840

Message:

I am looking for a loan of $15,000-$20,000 to purchase a foreclosed home in my area. Rent in this area is astronomical. My husband and I have been living with a family member due to the unaffordability of rent and loss of our previous home due to a series of unfortunate circumstances. We have found a fixer-upper home for $29,000 that we would like to make a lower offer on, but as it is a cash only sale, the bank requires that anyone making an offer has the funds in the bank to prove that the offer is genuine. We are absolutely willing to accept a loan with a high APR, and are looking to have a 5 year loan. I have been working hard at building our credit back up and we are 100 pts higher than where we were this time last year. Our credit history is messy, but has been stabilizing over the past couple of years. We just need someone, anyone, willing to give us the second chance we absolutely need. Financially, we can afford up to $850 a month for a personal loan payment. We have a small amount of savings now so that we aren't coming into this with zero "skin in the game." Thank you in advance for your consideration.


Reply to: Bri


G
Gerald

May 27th, 2019

Hi Bri-

Thanks for reaching out to us.  Unfortunately, due to the stringent laws in PA around lending and bad credit, we do not have a lender in PA.  I am sorry to hear of your difficulties.  I would recommend that you go to a local Credit Union as their lending criteria is less stringent than traditional banks.  They may be able to help you especially if you have a cosigner.  For more information see Can I get a loan in Pennsylvania with Bad Credit

Best of luck,

Gerald

Apply now

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



Top