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No Credit Check Personal Loans Knowledge Base
Has anyone had luck finding personal loans without a credit check? I'm looking for a personal loan that does not require a credit check for at least $3000 I keep finding payday advance places and they do not go up that high.
i need to get a personal loan with no credit check for 18000.00 dollars? can anyone tell witch site i can go to so i can get approved.i will nogo threw any of those credit or debt managment programs.and i will not refinance my home because my husband has no idea i have any debt and i can not tell him either because he is not the understanding kink of guy.
what site can i goto get a personal loan either w/o credit check or 4 bad credit & is has fixed rates??? i need to find a web site or a place to go that would approve me for a loan but i have bad credit...so i need some place that either do not do credit checks or they do loans for people with bad credit but stil have fixed rates....if some ones knows can you please help me thanxs
What personal loan company uses experian to check credit? I need to find a loan company that pulls from experian versus trans union Heres the problem.Most loan companys go through Trans Union. For some reason with in a year everything on my Trans Union has been wiped away and Trans Union told me there was nothing they could do. I just had My experian and shows info. I have gone through two loan companies now that wont approve me b/c of this.
Question re business loans and personal credit history? I'm starting a business with a partner, we're incorporating and planning on having 50/50 ownership. We'll want to apply for a loan or credit line and banks will naturally be checking our credit histories. Here's the issue: my credit history is good, perfectly clean, and improving. My business partner has some big credit card balances from starting the business, has missed some payments... his credit is bad. I'm thinking maybe I should be the 100% owner initially, so my partner's credit doesn't become an issue. Later on after we've established business credit we can change to 50/50 ownership. Does that sound like a good strategy? Thanks for the comments re my partner's credit issues. As background, he is great in retail, customer service, and started the business- currently owns it. Definitely needs help with the financial aspects, and I think the partnership will work well.
Can someone explain "Premier Lines of Credit" and "Personal Loans" to me, please? Never taken out a loan, and have had one credit card for the last three years, so I am a complete novice when it comes to all these bank terms. For what it's worth, I bank with USBank. Anyways, I need a new computer, for which I don't have the funds. I looked around on the USBank website, and found two options that looked interesting: Personal Loan, and Premier Line if Credit. About the loan: How does that work? Does the money go into one of my accounts (I have checking, savings, and a Visa with them)? Or is it managed like an account of it's own? About the credit line: Is it really hard to get approved? Should I just apply for another credit card? I know I should just go to my bank and ask, but I would like to get to know more first, and see if anyone has any experiences they can share. Thank you!
Know of any Student Loans with No Credit Check and No Co-signer required? I'm EXTREMELY desperate! I've looked EVERYWHERE! I can't find ONE site that gives student loans to people with bad credit and no co-signer. Can someone please tell me what the difference is between private and personal loans? HELP!!!
Credit Bureau report for credit check-Personal? Hi all, What is Credit Bureau report for credit check? I need to get the Credit Bureau report for credit check to allpy for a loan. I live in Hong Kong. Where and how I can get it? Can I get it from my Bank? Or elsewhere. Thanks!
Anyone know of legit bad credit personal loans? I am going through a divorce and my credit is completely demolished. I have entered a debt management program and have paid on time every month for about 4 months. I have had to move and in addition to the expenses of moving, Washington Mutual put a hold on my cash deposit and bounced my first month's rent and security deposit checks. I've had to pay outrageous fees, and I am looking for a small personal loan to get back on my feet. I have SERIOUSLY bad credit, but I have been at my job for over 2 years. I am scared of getting ripped off by scammers (Preston Financial group wanted $940 up front wired to them). (I already tried Project Payday. I wound up losing more than I made.)
Dose signing a personal guarantee for a business loan show up in personal credit report? the personal guarantee for a business loan shows up on personal credit report? i mean more then a credit check inquiry? how much will that lower my credit score?
Is there a safe/secure private lender for college loans that does not require a co-signer or a credit check? I've maxed out school assistance and stafford loans. My parents won't cosign or take out a PLUS loan. I only have a couple weeks left to come up with the money before I have to cancel my enrollment. Is there any way to get about $7K this semester and $5.5K next semester through a private/personal lender without a cosigner or credit check?
No credit check loan article: is it well written and informative? The link is http://www.yourloanservices.com/article/2662/personal_loans_for_the_unemployed_to_escape_shortage/
If primary contact has great credit on a personal loan app and cosigner has bad credit, can they get approved? I have bad credit, around a score of 500. My boyfriend has excellent credit, owns his own home, his own car, was approved for a line of credit of 25000 on his own...etc. Together we make about $100k a year. We recently applied for a joint line of credit (revolving personal loan) where I was listed as the primary applicant and he was listed as the cosigner. We were denied without them even checking his credit because they said that I have unpaid collection items on my credit report. (These are from 7 years ago and are about to fall off of my credit report). The lady then told us that we would be denied on any application that I was on because of the unpaid chargeoffs. Someone from the same bank that we spoke to last week said that the way we could get approved is if we put my boyfriend on as the primary and put me on as the cosigner. Anyone have experience with that? I thought a cosigner was supposed to help someone with negative credit get approved?
Do personal loan underwriters spend a lot of time verifying income or do they rely on credit score? Do personal loan underwriters spend as much time as mortgage loan undertwriters verifying income? I know mortgage loan underwriters spend days checking a loan and have tools to check docs. Do personal loan underwriters follow the same guidelines?
Very important. 10pts for best answer. Are there any online websites that you can apply for a personal loan? Will they do it if you have bad credit? Or, will they work with you to obtain a personal loan without a credit check? Need to know. No crazy answers please.
Why do people keep asking about work from home sites and quick no credit loans? People always ask about easy ways to work from home, even though the same scammers answer the questions over and over. Why do people keep asking if the website is obivously a scam or blog about scams with ridiculous web addreses like : http://ehrer.moneyfromhome.com Why does Yahoo not delete the 500 scammers that post their "god sent" loans, who have free emails and ask for personal info, with no credit check guarenteed bad loans? Are people that desperate/gullible they don't see others getting scammed? I am being close minded because I don't want to sign up as an affiliate for your marketing scheme so you can earn $1 directing me there, in reality providing little or no income? I am being close minded because I don't want to sign up as an affiliate for your marketing scheme so you can earn $1 directing me there, in reality providing little or no income? Why is it you only have answered questions on Yahoo directing people to your scam, because you aren't here to help people just yourself.
Where Can I get a Real Personal Load with Bad Credit? Where can I get a real $3,000 personal loan with bad credit. I completed a bankruptcy due to divorce a while back. Since then I've been able to get a new car and apartment, but I can't seem to get a personal loan. I have no problems paying the loan and my new income more than qualifies for this type of loan. I've applied a a few places and was turned down. I'm tired of checking out places online that promise and personal loan that turns out to be a payday type loan. I want to seriously know if there is a place in California or on the internet that will give someone like me a real personal loan. There has to be some place the give this type of loan to people with my credit background. Please don' t tell me not to get a loan and all that other nonsense, I have no problem paying this loan back with in 4 months time and the only reason I went bankrupt is because of a x-husband who refused to pay his half of our bills since I left his cheating butt. Loan to take care of a serious situation.
If I have not so good credit from the states can I still be approved for a small personal loan overseas ? Will they do a credit check from the states?
Why are lenders willing to give people with poor credit payday loans faster than a regular loan? I mean a person can open and close a checking account faster than lighting and you go into the credit bureau if you do not pay and the same thing happens with an unsecured personal loan. Why the risk? What is the difference? Bad credit is bad credit.
Does your own personal credit score affect getting loans/finance for a newly opened ltd company? I am 19 years old about to become 20 this November and have incorporated a new LTD company but however I have just checked my credit score Experian: 241 Call Credit: 730 Equifax: 574 And I am worried about my Experian credit score as it is very low. I didn’t really understand the world of Banking and money before and made stupid mistakes such as miss payments and so on. But nothing major such as defaults or ccjs. The main problem is I had been late with payments by a month and applied for too many loans which have been declined. I need to get some finances together to launch my new business and wanted to know what approaches I can take realistically to get these funds (about £5/6K). Any tips or advice would be greatly appreciated. Thanks in advance! How much money am i putting in? I have already invested in most of the equipment needed for the company £4,550 in total so far. Hence why i require £5/6K to complete the start up for the business. Initially the company will go into Computer Consulting and Instant Repairs for end users/contracts with 3rd parties. However in the business plan I have a 2 – 3 year expansion and launch of other servers/products which will be offered by the company.
Do personal bank accounts appear in your credit report and/or chexsystems ? And by that I mean like your personal checking or savings account even if you don't pass a bad check or default in some way. Also, I'm not talking about credit card accounts or bank loans at all.
Can I pay a bank loan using a personal check? Blame it on ignorance... Because my credit union lost all my direct deposit account info when I initially set up an auto loan, I physically make my payments there each month. I always pay cash. But can I simply write a check for the amount due and hand it to the teller? Is that acceptable? It would save me a trip to my other bank each month. Thanks.
Where can I get a "no credit check" 90 day loan online--please? I need a personal loan ASAP...I have looked all over the internet and I have only been able to find loans regarding "next payday loans" or you have to have excellent credit. If someone could give me a RELIABLE company that issues loans longer than 60 days with no credit check I will be forever thankful...please respond back soon. I need about 1500.00 Does Provident have a website? If so may I have the domain address?
personal loan on stock check? i get a check every year from stock i have in a company i used to work at. it will come in august. i am having an emergency and need some money now. i have terrible credit, no bank account, and no help from family or friends. the check will be for over 4 thousand dollars. anyone know where i can get a loan based on the stock check, since my credit is so bad. no payday loans, no bank account.
Why are lenders willing to give people with poor credit payday loans faster than a regular loan? I mean a person can open and close a checking account faster than lighting and you go into the credit bureau if you do not pay and the same thing happens with an unsecured personal loan. Why the risk? What is the difference? Bad credit is not so good credit.
Personal Credit card loan for business? I just started a small business and i need to buy the first equipment in the company name, but pay it with my credit card. In quickbooks, what category or what section, perhaps, how do i set up this loan in quickbooks so that it shows as an obligation that needs to be paid every month eventhough its from my personal credit card. In other words, how can i make quickbook know that its a loan and its needs to be paid eventhough the credit card is my personal card. I want to pay the equipment in full and just pay of the credit card gradually. Also, how can i set it up without quickbooks. Do i just write a check payable to the credit card at the end of the month?
how can i get cash in my checking acount do not want a payday loan just a bad credit loan? i need cash in my checking acount but do not want a paydayloan need a personal loan with bad credit
Personal Student Loans? Anyone know of personal student loan companys that do no credit checks?
Can you use a student debt consolidation loan for personal use? I have researched online and am still not clear on how this works. I really need a personal loan to help out with some other bills and am no longer able to take my classes. I am now in deferrment on my federal loan and they don't do credit checks or anything for a consolidation loan. Just curious.
Improving My Credit Score/Getting a Personal loan? I checked my Credit Score for the first time today. My score is 637. I currently have two Bank accounts(checking), and a Credit Card. I'm leaving to go out of the country on vacation in 4 weeks. I will be in Europe for a month, and I'm getting married next year. I have contemplated getting a small personal loan for the trip. I have saved up quite a bit, but would like to have a little cushion for emergencies etc. I have tried to apply for a retail credit card, and have not been approved(5 months ago). Perhaps getting a personal loan for my vacation will also help my credit score once it's paid off. Could you please give me some suggestions on how to improve my credit score, and how to go about getting a personal loan. As I would like for it to have more of a history before I get married, and make our first big purchase together. All suggestions/advice are appreciated. Just for further information. I am just starting out with my credit. So I believe that I do not have "bad" credit, I just don't have much of a history. Also, I do not trust the e-mail addresses provided in some of the responses...What is the correct way to go about getting a loan. Should I use my bank(Regions), or credit card issuer(Capital One)? Also, are there any other Secured Lenders that I can contact, via face to face?
Provident Personal Loans? Does anyone have any information on these people please? Are they regulated? My sister in law is a single parent on a council estate who has been totally ripped off by these people. They knock on the doors of people they suspect will struggle to obtain loans elsewhere, or may not have time to do so, and get them to sign up for loans at 177% APR !!! I know she has to accept some responsibility, but the premiums are so high, we are going to have to organise her a new loan with a longer term and lower interest rate so she can afford the monthly premiums. In the past, when she is near to completing paying off one loan, they turn up on her doorstep and offer her another, no affordability checks, no credit checks, etc, they take their NI numbers so if they stop paying, they can get the money straight from their salaries. I would really like to complain about these people, but I looked them up on the internet and as far as I can see they aren't even regulated! Has anyone else had any experience with these 'Lenders'? Any advice greatly appreciated. Jon B- Thanks, but don't you agree that the 'break your legs' lenders are the next step for families when they can't afford the monthly repayments to the Provident and the money starts being debited straight from their wages? Thecoldvoiceof reason- Thanks for your reply, my sister in law was told by the provident agent that their NI number would be used if ever she stopped payments so they coudl take the money straight from her wages. I will double check this with her though, thanks.
Secured loan credit check? I want to open a savings account and then turn around and get a secured loan on it. I called my bank(wells fargo) and asked them about it. They said yes they do loans like that and yes they report to all 3 credit bureaus. But she said it depends if you get approved or not. I dont understand why it would be difficult to get a secured loan when the bank freezes your money anyway. Even if you have bad credit it shouldnt matter because its 0% risk to them. Can someone explain this to me? Also, If anyone has personal experience would it be easy if you have terrible credit to get a secured loan using a savings account or CD from a big bank like Wells Fargo or BofA, or from a local credit union? Thanks
Improving My Credit Score/Getting a Personal loan? I checked my Credit Score for the first time today. My score is 637. I currently have two Bank accounts(checking), and a Credit Card. I'm leaving to go out of the country on vacation in 4 weeks. I will be in Europe for a month, and I'm getting married next year. I have contemplated getting a small personal loan for the trip. I have saved up quite a bit, but would like to have a little cushion for emergencies etc. I have tried to apply for a retail credit card, and have not been approved(5 months ago). Perhaps getting a personal loan for my vacation will also help my credit score once it's paid off. Could you please give me some suggestions on how to improve my credit score, and how to go about getting a personal loan. As I would like for it to have more of a history before I get married, and make our first big purchase together. All suggestions/advice are appreciated. My Credit Card started out with a $500 limit, which was just raised to $750. I have always paid it off completely each month with a $200 balance each time. I have also never been late for a payment. I usually never have more than a $200 balance on any given statement. I'm not trying to improve my credit before I leave the country, just before next June.
Anyone know where to get a personal loan with poor credit? Serious responses please!!!? Okay, so I am looking to move out of the city, I am not a city person and 5 yrs has been long enough. I have found a beautiful mobile home out in the country that is for sale, but who actually has $4000 just laying around. I have checked into the loans available at my bank, but poor credit and little or no credit gets you nowhere. I work full time and make oaky money, but the credit thing is really holding me back. Any ideas??? I could really use some help!!!
how can i get money in my checking acount dont want a payday loan just a bad credit loan? i need money in my checking acount but dont want a paydayloan need a personal loan with bad credit
is there a way for someone on disability and has bad credit to get a personal loan? i need a loan and i have no income except for my son's disability check and help from the state and i have bad credit is there anything i can do
Personal Loan with Fair Credit? I am looking for a personal loan to help with closing costs on a house I want to buy. My credit score depending on the bureau they check is 560-619. I make over $80k, and have roughly $2k in monthly expenses. The loan amount I want is $5-$8k, but I don't want to apply to a bunch and put my score at risk. Does anyone have any ideas to where I should go?
Where do Non-profit theater orgs go to find investor funding? We've tried several sites. Many if them ask us to do a loan that requires personal credit checks and credit card receipts. Grants can take a long time.
Is there a wesite I can apply for a personal loan? I need one that has no credit checks, no employment verification, and no collateral. And it can't be a payday advance loan. I can't seem to find one, or one that doesn't charge a fee to find one. I was recently laid off, single mom, and need a loan w/ poor credit, and don't have a co-signer and I don't own a home. Any help would be great my eyes are starting to cross trying to read all the mumbo jumbo on most of these sites. Thanks
Personal loan with good credit score? Hi guys, I have a question. I need a personal loan for about $8k and I've checked my score and I have above 700. Now my question is....I apply before when I had nearly 700 but my bank told me that my score was still "young" I've have some accounts open but they are less than a year. So honestly, do I have good chances to get a loan? what places that you personally dealt or not with would you recommend me? thank you!
Can anyone explain why employers request a credit check when doing a background check? It doesn't seem right and too personal of information. Why should they know if I have loans, and how much? Doesn't allowing others to view my credit, open me up to possible credit fraud? They say employers can not ask for your age, or if you're married or not. But, this information can be confirmed through a credit check!! Once I denied access to my credit history, & the perspective employer informed me that I would no longer be considered a candidate for a position w/their company. That is NOT right !!
credit unions-opening an account/applying for a personal loan? i applied for a personal loan through a credit union then was told before they can do anything with the application i gotta first join the credit union. and make a savings deposit of a minimum $25. i'm wondering what qualifies you to be able to join in the first place? i have a regular checking account with another bank that is not credit union. (wells fargo). i have low credit scores due to credit cards in the past being taken to collections, which are paid now, i have ongoing cards now i pay promptly. but still have that 7 year thing on my report.however my credits still not good enough for a loan from a regular bank. is it possible that credit unions are more lieniant with low credit scores for a personal loan? if still not approved with a credit union do i have the option to use my vehicle as collateral in order to "prove" myself. if so-how does that work?
Secured loan credit check? I want to open a savings account and then turn around and get a secured loan on it. I called my bank(wells fargo) and asked them about it. They said yes they do loans like that and yes they report to all 3 credit bureaus. But she said it depends if you get approved or not. I dont understand why it would be difficult to get a secured loan when the bank freezes your money anyway. Even if you have bad credit it shouldnt matter because its 0% risk to them. Can someone explain this to me? Also, If anyone has personal experience would it be easy if you have terrible credit to get a secured loan using a savings account or CD from a big bank like Wells Fargo or BofA, or from a local credit union? Thanks
Do banks do credit checks when issuing student loans? I am planning on take summer classes this summer and I just found out my financial aid will not pay for my summer classes. So I am going to go to a bank (National City) and try to get a student loan. I have gotten students loans before, they just have been through Fafsa. I already filled my Fafsa for the fall semester and thats all done with. Right now I'm just worried about the summer. Like I said, I already have a loan out for my first yr of college (I am going into my second yr) and I also have two credit cards. My credit is not the greatest, specifically because the balance on my cards are too high. I know they run your credit for private loans but I am not sure if they do for student loans. And if they do, is it the same procedure that they do for private loans. I do not want a private loan and besides, I dont have a cosigner. Everyones credit I know sucks. Any info will help, even personal experience. Thanks
Prosper.com? There is a poster on here that has advised several people inquiring about bad credit personal loans to check out prosper.com if their credit score is 520 or above. Doesn't a score of 520 constitute very poor credit? Says right on prosper's website that if you have bad credit Proper isn't the place for you. How good does your credit have to be?
I need a personal loan for $3000 over 12 months - have little credit, but am current on all payments. Help!? I'm having some trouble finding a personal loan for about $3000 to eradicate my credit card debt. I have been in the country for a year, and have had a difficult time getting credit/established. I'm a full-time employed professional, and although I have made more than the minimum payment on my cards every month, and have been on time with all payments, i'm still having trouble getting credit. I have checked my report, and there are no apparent issues. I have a plan to pay these debts off myself within the next six months, but would like to do it sooner if possible. If anyone can reccommend a lender who could help in my situation, i'd greatly appreciate it. Thank you!
Where can I find a personal loan for bad credit and/or use life insurance as collateral for a loan.? I am need of a loan in the amount of $65K as a minium. To get back on my feet I need $$120K. I am a service connected disabled veteran with monthly compensation pay and ssi pay. I have guarnteed pay each month. My kids ruined me and a individual I loaned some money to wrote bad checks. With this my bills have fallen behind and now my credit is not good. Immediate help is needed. Let me know if there is anyone or place that could help me quickly. Thanks
how can i find out if the company is legit? I am approved for personal loans no credit check just based on income(i can't qualify with the regular bank because of my fico) but they are asking for a blanket insurance before they fund the loan. The contract states that the blanket insurance is to cover for emergency (i.e. unemployment, death) and will refund the money back in 3months of consecutive payments. I am really weary sending $ especially through Western Union. Sunrise Financial Group (Canada Corp)*** which i can't find in Canada Business- what kind of documents should i ask for? Alliance Capital Financial ***registered in BBB but i can't find it under the secretary of state or department of finance in the state of Illinois which i would think they would be registered since they're lending money.
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