First, why do you need the loan?

Second, what are you driving?

Third, answer this and we may be able to help.

Check out Prosper.com

I've never used it, but a friend tried it out and got a small loan. Everything went pretty smoothly.

Why do you need the loan?

Have you thought of other ways to accomplish what you are trying to do (without a loan)?

I think this is important, too. Even if you (original poster) have a good job, your credit is bad, so what happens if you can't make your loan payments? Unless it's a dire necessity, I'd personally rethink a loan at this point. And you need it "within a few days"... and didn't say what it's for. Most creditors will give you a break if you ask... if it's to pay off *other* debts, I'd really think twice about getting into that quagmire.

Oh, and one more thought... places that do these quick no questions asked loans generally have very high interest rates.

the loan is for all my credit card debt and other personal loans i have out. it seems as though as much as i pay off each card or loan they never seem to go down. so i'm looking to just pay off everything at once and then only pay back one person or one lender. the car i'm driving is a honda ridgeline but its not fully paid for yet. haven't really got into touch with anyone that seems real. do you guys know if some of the ads with people that have yahoo emails are real? they ask for transfer fees for the loan and i'm just not sure if those are real lenders or just trying to get the transfer fee. thanks for any help guys

look for a cheaper car and sell or trade in the one you have, a ridgeline is a pricey vehicle if I remember right. Don't use lenders with yahoo emails, you're asking to get ripped off.

i was going to do that but was advised not to. the car is almost fully paid off just half a year or so left on it. anyone out there that can help me???

I would trade that ridgeline in for a Civic that's a few years old, then take the freed up car payment and apply it to the highest interest loan in addition to the minimum payments on all the other loans.

I would hide the credit cards since they seem to be a control issue.

Once you've paid down some of the debt it should be much easier for you to get a loan from a bank or credit union to consolidate the rest of your debt. It sounds to me that right now you need to show a lender that you can manage debt responsibly. I will be going into another situation in detail on my blog tomorrow.

You stated you have a house and car "not fully paid for yet". You also said your credit is bad, but you didn't list a score. You may find it is possible to refinance everything and reduce your monthly debt payments by rolling it all into a home refinance or obtaining a home line of credit (HELOC).

Those opposed to this idea would point out that you are trading unsecured debt, for secured debt. This could be an issue if you are considering bankruptcy. On the plus side, you are probably reducing the rate and amount of interest being paid out each month. Allowing more money to address the principal, you will get further ahead sooner. Those opposed would say you are turning short term debt into long term debt, but reality is if you make minimum payments on credit cards, they already are long term debt!

Finally, if you free up cash through a refinance, the tendency is to find something fun to do with that new found money. A majority of individuals who go through this process are right back in debt in 2-3 years and now the pit has grown deeper.

But there is a solution...save and invest the money that is now freed up. When you want something, only pay cash. If you can't pay cash, save until you can. Put a portion of these dollars where they are locked up for your retirement, like an IRA, 401, Annuity, or Universal Life policy.

A good rule of borrowing money is: "Never borrow money to pay for anything that decreases in value over time". That is why property investing is successful for so many.

This is all good advice. I got into the "I'll just get a loan to consolodate all these darn bills" mindset years ago. My credit was okay, so getting it wasn't difficult... BUT although it felt great to get those credit cards paid off, it was much too easy to use one of those cards again while telling myself "no problem, I'll just pay the whole balance next month and it won't built up again"... it usually doesn't happen that way and everything just gets worse.

Debts, arrears, defaults and missed repayments are the most commonly occurring factors that cause a lowering in the credit score of the borrower. The ultimate result of this is a bad credit history. If you need money when going through such a situation, the best way to cope up with your needs is to take up bad credit personal loans.


It is through these loans that most borrowers with low credit scores find solace and get a solution for their needs. They can easily get money through which they can fund their personal needs like debt consolidation, home improvement, car purchase, travel expenses, medical treatments, educational funding, etc.

[quote=vaguy8890;3286]in need of a personal loan within the next couple days. fairly large loan and its been hard getting a big loan from banks. credit not so great and my car and house not fully paid for yet but i have a real good job. if anyone can help me please let me know. thanks

Hi, I strongly advise you to visit my website below to seriously evaluate why you may or may not need another loan. The info is free and is only there to help you. You must stop building debt on top of other debt. It is a dead end that will trap you into a miserable life.
Regards, Robert

you can get unsecured loan, it is beneficial for you as per your requirement.banks are also giving the unsecured loan very easily.

I would be skeptical of a company contacting you from a yahoo account. Most established companies have their own name and email accounts. This doesn't sound like an established company. Be wary and never give out information unless you talk to someone.