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Newest Member: Betrayedwife1120 (45756)

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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.


Love isn't what you say, it's what you do.

Posts: 6639 | 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: 2295 | 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: 4203 | 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: 1006 | 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: 1333 | 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: 1333 | Registered: Jan 2011 | From: The Ohio
Topic Posts: 8

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