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User Topic: taking out a loan with fair credit
Numb2014
♀ Member
Member # 43919
Default  Posted: 2:37 PM, July 28th (Monday), 2014View ProfileEdit MessagePrivate MessageHomepage

Since my xh and I have separated, I have been trying to figure out how to lower my monthly bills. I have a 2 loans and 2 cc that are maxed out due to me using them to keep our heads above water when trying to pay for his expenses as well. What I am paying monthly is RIDICULOUS.

I don't have the best credit. Its not bad, most websites say my credit is "fair". I have tried going through my bank for a personal loan (I have no collateral) and my score is not quite high enough. Does anyone have any advice on companies that will provide a loan to someone like me? Not the best credit, but I just need something to consolidate this debt and my monthly pymts


BW-me (31)
WXH-him (30)
DD-4, DS-14
High school sweethearts. 14 years gone. He doesn't even care. It meant nothing to him.
False R-3/2011 to 6/2014
Found evidence going back 2 years. He's moving in with OW.

Posts: 233 | Registered: Jun 2014
Lucky2HaveMe
♀ Member
Member # 13333
Default  Posted: 3:06 PM, July 28th (Monday), 2014View ProfileEdit MessagePrivate MessageHomepage

Maybe find a legitimate credit counselor that could help you consolidate all the loans/cc's into one? Just be careful as there are lots of scammy people out there claiming to be helpful but not.


Indian wisdom says our lives are rivers. We are born somewhere small and quiet and we move toward a place we cannot see, but only imagine. From Tending Roses

Posts: 6544 | Registered: Jan 2007 | From: WNY
Whalers11
♀ Member
Member # 27544
Default  Posted: 3:46 PM, July 28th (Monday), 2014View ProfileEdit MessagePrivate MessageHomepage

Try a credit union. Sometimes they have more wiggle room than big banks.


Me: BGF - 33
Together 11+ years - not married, no children.
D-Day: 2/9/2010
OC Born: 10/9/2010
Status: He chose OW/OC and left immediately.

Posts: 2252 | Registered: Feb 2010
norabird
♀ Member
Member # 42092
Default  Posted: 4:26 PM, July 28th (Monday), 2014View ProfileEdit MessagePrivate MessageHomepage

I agree, check with a credit union. Consolidation would be a great solution!


Sit. Feast on your life.

Posts: 4196 | Registered: Jan 2014 | From: NYC
Jeaniegirl
♀ Member
Member # 6370
Default  Posted: 5:06 PM, July 28th (Monday), 2014View ProfileEdit MessagePrivate MessageHomepage

Especially a non-profit credit union

[This message edited by Jeaniegirl at 5:07 PM, July 28th (Monday)]


"Because I deserve better"

Posts: 990 | Registered: Feb 2005
Dark Inertia
Member
Member # 30727
Default  Posted: 11:16 PM, July 28th (Monday), 2014View ProfileEdit MessagePrivate MessageHomepage

I would look into consolidation as well. How much interest are you looking at with each loan?


"If I listened earlier, I wouldn't be here. But that's just the trouble with me. I give myself very good advice, but I very seldom follow it."

Posts: 1280 | Registered: Jan 2011 | From: The Ohio
Numb2014
♀ Member
Member # 43919
Default  Posted: 11:14 AM, July 29th (Tuesday), 2014View ProfileEdit MessagePrivate MessageHomepage

Each loan and cc has a pretty high interest rate. like 24% (recovering from a bankruptcy that was discharged 3 years ago). I am having a hard time finding anyone LEGIT who will loan me the money to consolidate, and I do not have enough in my car to refinance (I owe more than its worth already). I will check out a credit union here by my job. I will open an account with them if they are willing to loan me the money. Prayers and good thoughts please!!!!


BW-me (31)
WXH-him (30)
DD-4, DS-14
High school sweethearts. 14 years gone. He doesn't even care. It meant nothing to him.
False R-3/2011 to 6/2014
Found evidence going back 2 years. He's moving in with OW.

Posts: 233 | Registered: Jun 2014
Dark Inertia
Member
Member # 30727
Default  Posted: 7:24 PM, July 29th (Tuesday), 2014View ProfileEdit MessagePrivate MessageHomepage

Have you looked into the peer to peer loans? The Lending Club is very popular right now. In some of my financial forums a few of the posters "loan" money, and my husband's favorite blogger has also loaned money through the lending club. Might be worth it to look into.

[This message edited by Dark Inertia at 7:25 PM, July 29th (Tuesday)]


"If I listened earlier, I wouldn't be here. But that's just the trouble with me. I give myself very good advice, but I very seldom follow it."

Posts: 1280 | Registered: Jan 2011 | From: The Ohio
Topic Posts: 8

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