How can I get an $800 personal loan?

Sep 26th, 2010
by admin.

I have a bank and checking account with Bank of America (I got one on July 22nd, so it’s a new account), but I tried applying online for their personal loan and they still denied me (even with a cosigner), even when they didn’t even ask on the form of how much I want to borrow. I heard that payday loans (cash advances) suck as some of them are traps and you usually need to pay it back in full in 2 weeks. I have no credit history and I’m trying to build one. I earn money by selling things I create online. I need $800 fast and don’t have any family or friends I can ask. Do I have any other options? Thanks :D

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3 Comments

  1. Shelly J says:
    September 26, 2010 at 3:17 am

    Cash Advance or Payday loans do have to be paid back immediately so don’t even try for those if you can’t pay it back next pay period.

    Try going to the bank (actually go in and talk to a person) and ask for a signature loan. Do you have a car? If they won’t do a signature loan ask if they can do a loan and use the car as colateral.

    As a last resort you can try for a credit card. If you need cash you can cash advance the card but watch out. The interest rate for cash advances is usually over 20% even if you have excellent credit. It can be really hard to pay that off. I’d only do that if it’s a real emergency

    There are legit work from home opportunities out there but I would be very hesitant to use one that someone posts here. Check it out very carefully. Try to find several people that use the service before you sign up for anything. Especially if it requires an investment up front.

    Good luck

  2. Jen says:
    September 26, 2010 at 4:05 am

    If you are in a bind, a cash advance or payday loan online can often get you the money you need sometimes within one hour. This type of loan is a short term unsecured loan so it is expected to be paid back within 2-4 weeks time. It usually also comes with a one time high interest fee. But, if you need money now, it might be worth it.

    I know that a lot of these loan lenders will require no credit check, no collateral, no faxing and the application is really short and easy to fill out.

    If you have nowhere else to turn you might want to check it out if you are able to pay it back on time. If you go online you can get the money directly deposited into your checking account.

    Check out http://cashadvancepaydayloan4less.blogspot.com or http://paydayloanonline4less.blogspot.com, it has a lot of places to chose from and lots of articles to read. Hope this has helped.

  3. Jeffrey says:
    September 26, 2010 at 4:54 am

    Stay away from payday loans…especially if you think you might not be able to pay it back anytime soon.

    It sounds like you might need to take a part time job to subsidize your internet business. You can use the income from your part time business to apply for a credit card to help you begin to build your credit.

    And when your internet business starts booming in 6 months, quit your part time job and focus on your passion full time.

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