mstatl asked:
I’m having some trouble finding a personal loan for about $3000 to eradicate my credit card debt. I have been in the country for a year, and have had a difficult time getting credit/established. I’m a full-time employed professional, and although I have made more than the minimum payment on my cards every month, and have been on time with all payments, i’m still having trouble getting credit. I have checked my report, and there are no apparent issues. I have a plan to pay these debts off myself within the next six months, but would like to do it sooner if possible. If anyone can reccommend a lender who could help in my situation, i’d greatly appreciate it. Thank you!
Shannon
I’m having some trouble finding a personal loan for about $3000 to eradicate my credit card debt. I have been in the country for a year, and have had a difficult time getting credit/established. I’m a full-time employed professional, and although I have made more than the minimum payment on my cards every month, and have been on time with all payments, i’m still having trouble getting credit. I have checked my report, and there are no apparent issues. I have a plan to pay these debts off myself within the next six months, but would like to do it sooner if possible. If anyone can reccommend a lender who could help in my situation, i’d greatly appreciate it. Thank you!
Shannon
#1 by Gemini on August 11, 2010 - 3:09 am
Victor
CitiFinancial.
#2 by irishbarfight on August 13, 2010 - 9:34 am
Holly
your best bet..to start off, would be to have a talk with the bank you have your savings and/or checking account with. As you’ve already established some sort of rapport with them, they’d be most likely to give you the loan that you need (maybe not at the interest rate you’d hope for…but the loan nonetheless.)
#3 by catwoman on August 14, 2010 - 10:56 pm
Gregory
Most banks will do a credit check to see how trustworthy you are before loaning you money. If you don’t have any established credit history, they may be reluctant to give you a loan. Personal lenders may be more sympathetic. You do have options. Many lenders have already replied to your question. Also consider person-to-person lending via organizations like Prosper.com, Lending Club, Lending Circle. Bascially it brings together real people who need money and real people who have money to loan. As a borrower, you post your request for a loan, including the amount, the interest rate you are willing to pay, and personal details which might make a lender more understanding despite your lack of credit history.
Check out the reviews of those websites by NPR and the Washington Post. See the links below.
Good luck!
#4 by Mimi L on August 16, 2010 - 4:44 am
Alice
Hello,My name is Mimi,i just got a loan from a private loan company,they offer me my loan with bad credit and they give long term payback period with a fair interest rate,they maybe able to help you out,you can contact them at.
Goodluck.