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Stephaine Receives A Payday Loan Of $1000 With A Bad FICO Credit Score

If you are looking for bad credit loan for $1,000 we have provided a list of loan providers that will consider a loan with a credit score starting at 450. These lenders will accept your loan application regardless of your credit score and may provide you options from a payday loan to an unsecured bad credit loan. Whatever you are offered, carefully read through the offer and make sure you understand all of the terms.  If you have payday loans that you cannot get out of, we have a few loan providers that you can look at. We have included bad crdit loans for auto financing and auto refinance as another method to get cash. We also have provided you with secured and unsecured credit cards for bad credit. if you own your own business and have a credit score above 500, we have listed lenders that will accept a loan applications.   

Bad Credit Loans

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

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

Payday Alternative Loans (PAL's)
The Credit Union working alongside the US Federal Government has 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.

 

Bad Credit Auto Financing

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

Auto Loans

Auto Financing or Refinancing

If you are looking for a new car or need to refinance your existing car, LendingTree may be your solution.

Secured Credit Cards

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

    

Unsecured Credit Cards

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

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

Credit Card Hardship Program

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

Debt Relief or Debt Settlement

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

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.

Best Secured Bad Credit Loan Options

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

Cash Advance Payday Loan

Personal Loan Provider Offering Co-Signing

________________________________________________________________________________________________________________________________

Stephanie contacted America Loan Service looking for a bad credit loan for $1,000 with a credit score of above 450. 

She had badly damaged her credit when she missed a payment on her credit cards for over 3 months. She is back working now and trying to get some money to get back on her feet. 


Cash Advance for $1000 - Sacramento, California

Searching loans frequently impact borrowers credit scores. Once denied, individuals, undergo alterations to their credit. Stephaine experienced variations to their credit during the application of this $1000 loan. Stephaine had an initial credit score of 476.

  • When it comes to Equifax, Stephaine had an initial credit score of 476, and so Stephaine has a bad credit score
  • When it comes to Transunion, Stephaine had an initial credit score of 459, thus Stephaine has a bad credit score
  • On the Experian system, Stephaine had a 486 credit score, a bad credit score

Stephaine was accepted by Cash Advance with bad credit rating. 

Stephaine has a Fico score of 476. This is a bad credit score

Fico Score: 476

Stephaine had a Transunion score of 459, looked upon as bad credit

Transunion Score: 459

Stephaine has an Experian score of 486. This is a bad credit score. If your rating is bad like Stephaine, it will affect your chances of obtaining a loan

Experian Score: 486

Stephaine comments after visiting the River City Bank at 2485 Natomas Park Drive:
The loan officer was only willing to provide a secured loan and Stephanie was unable to find a co-signer and did not have the property or a vehicle to secure the loan. 

Unfortunately, due to the amount of debt that Stephanie had, her monthly income and low fico score, we were unable to help her find a loan. Instead, Stephanie is looking for debt relief and /or settlement. We suggested that she contact Novita and work towards correcting her credit habits.

While the situations highlighted are real, the names and some locations have been changed to protect our readers. We would appreciate your input on our website. Please do not give us your last name and try to keep the information in your testimonial quite general. It is the overall topic that everyone relates to 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: cole**

City: topeka
State: ks
Credit Rating (FICO): 420
Profession: sales
Amount Requested: $7000
Age: 44
Current Debt: 30000
Yearly Income: 45000
Zip Code: 66604

Message:

We require a loan for medical bills.

Hi Cole,

We now have a lender to forward on your request with a 440 Fico score. America loan service is not a lender. We only forward on your information to the company that best suits your needs. We wish you the very best, America Loan Service Team.


Reply to: cole**


Application from: Sheri

City: Goddard
State: Kansas
Credit Rating (FICO): 650
Profession: Loan Documentation Manager
Amount Requested: $10000.00
Age: 57
Current Debt: Paying on Home - I am the owner - paying on car loan and other credit cards
Yearly Income: 160000.00
Zip Code: 67052

Message:

I would like to consolidate all credit cards into one payment which I could set up as a auto debit. I can be flexible on the loan amount.

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: Sheri


Application from: Melissa K

City: Kingsport
State: Tennessee
Credit Rating (FICO): 486
Profession: Manager
Amount Requested: $10000
Age: 34
Current Debt: 0
Yearly Income: 20000
Zip Code: 37664

Message:

I need this loan to pay offu car and get it in my name and to take a vacatiom

Hi Mel, We have found a lender that will work with clients that have a Fico score in the 400's. 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: Melissa K


Application from: Scott

City: Neenah
State: Wisconsin
Credit Rating (FICO): 519
Profession: Instructor
Amount Requested: $36000
Age: 41
Current Debt: Approximately $36000 total in unsecured debt
Yearly Income: 80000
Zip Code: 54956

Message:

Got into a bind first with medical copays and a couple of credit cards. Ran into some other expenses fixing my house (water heater leaked all over the basement floor, furnace had to be fixed, etc.), which led to more loans, and everything compounded on top of itself. I really need this loan to just get the payments down and clear up my credit rating. Any help would be great!

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: Scott


Application from: Tonya E.

City: Buckeye
State: AZ
Credit Rating (FICO): 590
Profession: Behavior health tech
Amount Requested: $30000
Age: 47
Current Debt: 60000
Yearly Income: 32000
Zip Code: 85326

Message:

Please help please I'm in desperate need

Hi Tonya,

We will forward this on right away. Your Fico score at 590 should not hurt you, but could increase your interest rate. Thanks.

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: Tonya E.


Application from: darryl

City: big bear city
State: California
Credit Rating (FICO): 486
Profession: Profession not given
Amount Requested: $35000
Age: 65
Current Debt: hospital morgage bills
Yearly Income: 38600
Zip Code: 92314

Message:

the reason for the loan is for home repairs

Hi Andrew,

Only have one possible company to send this request. Hope it works out for you. 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: darryl


Application from: VERONICA**

City: phoenix
State: AZ
Credit Rating (FICO): 519
Profession: office manager
Amount Requested: $1000.00
Age: 48
Current Debt: 4000.00
Yearly Income: 25000.00
Zip Code: 85041

Message:

Hi VERONICA,

We have a provider that is a good fit for you called badcreditloans.com Will send you the link now.


Reply to: VERONICA**


Application from: Benita H*

City: Anniston
State: Alabama
Credit Rating (FICO): 641
Profession: corrections
Amount Requested: $25000
Age: Age not given
Current Debt:
Yearly Income: 65000
Zip Code: 36201

Message:I can repay if I can get bills consolidate. Hi Benita, 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 fair. They provide personal loans from $1,000 to $50,000.00 They will consider people with credit scores starting at 620. Your interest rate offer will be based on your credit score. With your credit score at 641, the interest rate offered may still quite high. 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. If there is any way you could get a short-term credit line on your property or a secured loan like a home equity loan, your interest costs would be lower and it would be liquidated when your property sells. You can also try Personalloans.com offering loans from $1,000 - $35,000.00 with interests rates starting at 5.99% to 35.99% Minimum credit score of 580 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, Gerald Proctor America loan Service Mountain View, California 94040

Reply to: Benita H*


Application from: Edgar V*

City: PARAMOUNT
State: CA
Credit Rating (FICO): 510
Profession: Profession not given
Amount Requested: $1000.00
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 90723

Message:>Hi Edgar, We will send you a link to a loan provider that may be able to help you out.

Reply to: Edgar V*


Application from: Marcus*

City: Washington
State: Dc
Credit Rating (FICO): 450
Profession: Profession not given
Amount Requested: $3000
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 20019

Message:>Hi Marcus, You have not provided us enough information to provide you really anything. All we have from this is that you have a 450 credit score.

Reply to: Marcus*


Application from: Chris

City: Stoughton
State: MA
Credit Rating (FICO): 650
Profession: Profession not given
Amount Requested: $90000
Age: Age not given
Current Debt:
Yearly Income: 77000
Zip Code: 2072

Message:Hi, Looking for a personal loan to consolidate credit card and existing loan debt. Credit score of 650

Reply to: Chris


Application from: Tyreese Buchanan

City: Lemon Grove
State: California
Credit Rating (FICO): 541
Profession: Recording arts
Amount Requested: $1000
Age: 41
Current Debt: Repo/charge offs
Yearly Income: 27000
Zip Code: 91945

Message:Pleaseconsider

Reply to: Tyreese Buchanan


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