11 Comments

1. rhsaunders says:
   March 9, 2010 at 11:25 am

   No. You will have to re-build your credit record a step at a time.
2. Unclechris says:
   March 9, 2010 at 11:33 am

   You have to build up your credit score. This takes time, but is relatively easy to do if you don’t have a bankruptcy. Start with a small card, charge 100 or so a month and pay it off every month. Get another, charge 50 each per month and pay them off every month …….and so on. This will build a history of good credit on money you are going to spend anyway. Keep a close eye on your FICO score. Getting a 10k loan will be possible in time.
3. bdazzle says:
   March 9, 2010 at 12:16 pm

   you would need a co-signer, 100% guarenteeor, or colatoral
4. Pengy says:
   March 9, 2010 at 12:50 pm

   Sorry not going to happen, even if it was a payday loan. Your past is part of what is preventing you from getting this loan, part two might be you income does not support this amount. Your second chance will come after you repair your credit usually around 7 years. Sorry to be so blunt but that is how it is in the real world
5. bdancer222 says:
   March 9, 2010 at 12:59 pm

   Beware of all the scammers who respond to your question offering a loan. They will ask for up front money or are just looking for personal info.

   The only way is to rebuild your credit over time. Learn to live within your means. If you don’t have the cash, you don’t really need it.
6. The_Nest says:
   March 9, 2010 at 1:02 pm

   I would suggest you fix the dings on your credit score and then take out a collateralized credit card… With a year or two of no lates, you should be able to get a loan…
   Your question is guaranteed to draw the “Advance Fee Loan Fraud” scammers…
   Here are some tips for determining whether a loan is legitimate or a scam:
   1) They don’t use a free email address (yahoo, gmail, hotmail, etc)
   2) They have a secure website you can go to to fill out their application
   3) They don’t require ANY fees upfront. Any fees will come out of proceeds of the loan (scammers want their fees via Western Union or Moneygram)
   4) They have a REAL address you can send mail to
   5) They have a REAL phone number, not a cel phone

   Good luck!
7. ThatGuy! says:
   March 9, 2010 at 1:39 pm

   Try borrowing from multiple places if one won’t loan you what you need!

   http://www.wo-mo.info
8. Slimick says:
   March 9, 2010 at 2:01 pm

   There’s always CashCall…..they charge 99.9% interest….It’s a horrible firm….but that’s really the only non-payday option I know of….Only other option would be any mafia-related loan sharks that might operate in your city.
9. shahab a says:
   March 9, 2010 at 2:22 pm

   Your credit history isn’t all that important when it comes to lenders as long as you can prove that you are earning a good wage and being a first time borrower, you may only get offered around $1000 with most lenders which is pretty bad. Banks are never the best places to get loans unless you can provide up to five years worth of addresses and have had a regular income going into your account for a good while.

   Most lenders (Not Bank ones) are interested only in whether you have a regular full time job and/or if you have a home of your own or assets they can take in the event that you might die or fail to keep up with payments for any reason. This is why many loans are for home-owners rather than for tenants secured or unsecured loans.

   Many loan companies take on people with bad credit or no credit because they are going to make a profit from the interest rates they charge anyway and why the good/bad credit thing is so irrelevant when applying for a loan generally. Very few loan companies turn away poor credit score customers as long as they are working or own a home.

   ———————————–
   http://www.loansandinsurances.com/
10. Josh K says:
    March 9, 2010 at 3:04 pm

    If you have some collateral or a co-signer possibly. Without such things probably not.
11. Ujj H says:
    March 9, 2010 at 3:52 pm

    try prosper.com

    eloan.com

    Today the lenders have started offering nearly all varieties of loans for people with poor credit record.They are also introducing many new loan products meant for this group. Now people with poor credit can get the same choices as those with the good or mediocre credit. Today you can use bad credit personal loans for many purposes like car purchase, vacation or even debt consolidation.

    But if you have some assets to offer as collateral, your chances brighten. The primary reason why people with poor credit history do not get loans is because the lenders are scared that the borrowers will default again. But if you can offer collateral, your lender is secure in the knowledge that his money is in safe hands. You have to try and meet the repayment schedule, failing which you lose the asset.
    http://pay-your-debts.com/category/Personal-Loan-With-Bad-Credit.html