I need to borrow 15,000 unsecured personal loan. I have a credit score of 530, I have a cosigner who owns home, auto outright. Credit score is one of unique in these times it is over 700. What are my chances of getting the loan, and any suggestions on where I should apply.
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You should try a credit union rather than a bank, they are slightly less restrictive in their less guidelines.
Unless the cosigner is your mother
ZERO!
The bank will scare the potential cosigner away by reminding them that if/when you default on the loan THEY will be responsible.
You have a biger chance of getting one:) But still with high interest rate. US now is facing financial crisis or credit crunch.
Check this site for the list of lenders that specialized in giving loans to people with bade credit score
http://www.badcreditresources.com/bad-credit-personal-loans.html