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Bad Credit Client Kathe Gets Personal Loan For $54000

If you have a 450 to 590 credit score and you're looking for a personal loan from a direct lender, we have provided a list of bad credit loan funding options. The bad credit loan providers listed will accept a loan application regardless of your credit score. We have also listed providers that offer secured credit cards; unsecured credit cards for damaged credit; secured loan providers; auto refinancing options; free credit rebuilding services; payday loan repayment loan providers; co-signing loan service; student loan refinance, reverse mortgage funding, and business loans options as low as a 500 credit score. When you have bad credit, there is no funding option that we considered a good option. We have provided what we consider a good choice when funding is difficult to acquire.

Bad Credit Loan Options

Loan options up to $5,000 and any credit score can apply.

Secured Credit Cards

  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI

    

Unsecured Credit Cards

Get the security and convenience of a full-featured, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; First Access may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

Home Equity Loan or Home Equity Line of Credit (HELOC)

A home equity loan or home equity line of credit (HELOC) can be a good way to consolidate debt even with bad credit. When you have good credit and the bank looks to provide a home equity loan or HELOC, they will normally finance the property up to 80-90% of the loan to value. The loan to value is the difference between the size of the mortgage and what you will get if you sold the property. With bad or fair credit, the loan to value may drop to as low as 60 to 70% and the interest rates may be higher. This will mean that the amount they are willing to lend will be lower.  

Auto Refinance

Auto refinance can be a great way to get capital out of an asset and use this money for debt consolidation. This provider can refinance your vehicle and get your capital back to work.

Payday Bad Credit Debt Consolidation Loan: $500 to $5,000

Consolidating payday loans with 400% to 1500% interest rates is very difficult to accomplish. OppLoans offer an installment loan which provides equal payments over a set period of time to get rid of payday loans that never seem to go away.

Payday Alternative Loans (PAL's)
The Credit Union along with the US Federal Government have developed a program called PAL's to help people stuck in revolving payday loans. 

PAL's features:

Loan amounts $200 to $1,000.
Must be a credit union member for one month
Loan terms range from 1 to 6 months
There may be a fee for setting up the application of $20.00
Contact this link to get some help.

 

Research your Credit Score and Credit History

If you have not completed this already, it is a good idea to check your credit score and credit history. Look through the items and make sure you agree with everything listed on the report. If you disagree with the information on the report, contact the credit bureau and let them know that there is an error. 

Debt Relief or Debt Settlement

Another option to consider debt relief or debt settlement. They can help you work with creditors and will explain your options. You can call them at the number below or click this link to go to their site now. 

America loan service was contacted by Kathe who was looking for 54,000 personal loans from a direct lender. Kathe had a bad experience dealing with loan companies that were not the actual lender. When Kathe contacted America Loan Service, she asked specially for a direct lender so we sent her to her closest bank.  We developed this article for anyone that may be in the same position as Kathe.

Kathe graduated from NYU with a degree in business and would like a personal loan for $54000 to pay off her existing loans and credit cards. Kathe, at present works in communications in New York. This loan has been a problem for Kathe as she has been negligent in paying her bills on time and has a credit score of 580. It is very difficult to find a lender in New York to lend her the money. Interest rates are significantly higher and due to the lending laws in New York, she has been unable to find a loan. Kathe, a communications expert has been looking for a personal loan to pay off her $54000 debt. As security, Kathe has equity in her home to use as collateral. Kathe was able to get a personal loan to consolidate her debt as a secured Line of Credit with a moderate interest rate of 8.9%. She hoped to pay off this debt within 5 years.

Kathe attempted to obtain a personal loan for $95,000 and was declined

Principle of LoanLength of Term (Years)Interest Rate (APR)Monthly Installment PaymentLending Institution
$95390.00 6 6.8% $1617.16 LaSalle Bank NI
$94520.00 7 9.2% $1530.35 State Bank of Clearing
$94700.00 7 6.1% $1387.97 NBD Bank Evanston, National Association

2005: Kathe had a Student loan from years ago of $38,000 lent by State Bank. 

Starting Interest Rate (APR)Remaining principleLender nameLender cityLender StateLoan Obtained
9.7% APR $24733.25 outstanding The Gerber State Bank Argenta Illinois
8.5% APR $30203.7 outstanding The Belvidere National Bank and Trust Company Belvidere Illinois
10.5% APR $24931.68 outstanding Commerce Bank Bloomington Illinois
10.0% APR $27398.42 outstanding Byron Bank Byron Illinois
9.3% APR $26273.39 outstanding Amalgamated Bank of Chicago Chicago Illinois

Personal loan for $54000 in Illinois near 62938

Applying for personal loans frequently over a short period of time will lower the applicant's credit score between 3 - 5 points per hard pull. Once approved, clients can improve their credit score if they make the payments on time and in full. Kathe underwent numerous changes to her credit while finding a lender to approve her application.

  • Kathe's Equifax score was 595, which is looked upon by lenders as bad credit
  • On the Transunion scale, Kathe had a 592 credit score, a bad credit score
  • Kathe possessed a credit value on the Experian scale of 578, which is considered bad credit

Kathe was approved by First National Bank because she had enough equity in her home and solid work history.

  • First National Bank
  • Street Address: Main Street
  • Branch city:
  • Branch state: New York
  • Branch zip code: 62938
  • Branch County: Pope

Kathe has an Equifax Fico score of 580. This is a poor credit score

Fico Score: 580

Kathe had a Transunion score of 579, viewed to be poor credit

Transunion Score: 592

Kathe has an Experian score of 578. This is a poor credit score. If your credit rating is bad like Kathe, it will affect your chances of finding a loan especially if you live in New York.

Experian Score: 578

Kathe' credit score went down as a direct result of applying several places for a personal loan

The Fico ranking of Kathe decreased to 578 from 580 due to this personal loan. Let's not forget, all loans will impact your credit rating. We have experienced individuals experiencing credit changes of up to 10 points on the Transunion scale. This is a lot.

Standard Lender Profile Of First National Bank

Kathe's Quote after meeting First National Bank Main Street:
The bank gave me the $54,000 loan using my home's equity. The interest rate of 8.5% was set based primarily on Transunion credit rating, the equity in her home and her job. The loan amount of $54000 was chosen by the client's request. 

Kathe Originally Started By Inquiring For This Personal Loan Using This Form

Borrower Details: Kathe
  • Client name: Kathe H
  • County: New York
  • Home State: New York
  • Current zip code: 62946
  • Current income: undisclosed
  • Profession: Communications
  • Credit Card Debt: $9000 on their First Federal Savings Bank Visa

While the situations described are true, the names and some cities have been changed for privacy. We would like your input concerning our work. Please do not give us your last name and try to keep the information in your testimonial quite nonspecific. It is the overall topic that everyone relates with and they appreciate your comments. When you send your story, they will be reviewed within 24 hours and you will be notified if they are used.

Past Applications

Application from: Brandon L**

City: Mesa
State: Arizona
Credit Rating (FICO): 570
Profession: Profession not given
Amount Requested: $15000
Age: 27
Current Debt: old debt
Yearly Income: 36000
Zip Code: 85203

Message:

Hi Hector,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 570, we are limited on the lenders we can recommend.

Here's a handy table to help you to figure out what type of credit you have: Excellent Credit Scores: Over 750 Good Credit Scores: 700 to 749 Fair Credit Scores: 650 to 699 Poor Credit Scores: 600 to 649 Bad Credit Scores: Less than 600

America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we sent you can help with your request of $15,000.00 for a personal loan. Our one lenders offers personal loans from $1,000.00 to $35,000.00 and may help you up to that amount. You can see our page at personal loans and apply there . You may also want to check out our Bad Credit Loans page. They offer loans from $500.00 to $5,000.00.

Good luck

America Loan Team


Reply to: Brandon L**


Application from: Jessica**

City: Longmont
State: Colorado
Credit Rating (FICO): 487
Profession: Profession not given
Amount Requested: $5000
Age: Age not given
Current Debt: 13000
Yearly Income: Income Not Specified
Zip Code: 80501

Message:

Hi Jessica,

With a credit score of 487, we have sent you an option by email. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will email you information about the lender we feel best suits your requirements based on your credit score and annual income. You can contact them directly from the link we provide. Wishing you success in finding what you are looking for. Best wishes


Reply to: Jessica**


Application from: Kia**

City: Oxon Hill
State: Maryland
Credit Rating (FICO): 510
Profession: Military
Amount Requested: $15000
Age: 28
Current Debt: 10000
Yearly Income: Income Not Specified
Zip Code: 20745

Message:

Hi Kia,

This provider offers loan up to $35,000.00 would suggest you apply for a debt consolidation loan. Will email you a lender.


Reply to: Kia**


Application from: Andrea L**

City: Aptos
State: California
Credit Rating (FICO): 579
Profession: Bartender
Amount Requested: $35000
Age: 41
Current Debt: $15000
Yearly Income: 69000.00
Zip Code: 95003

Message:

Would like a $35,000.00 personal loan for 36 months

Hi Gregory,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 579, we are limited on the lenders we can recommend. America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we sent you can help with your request of $35,000.00 for a personal loan. Our one lenders offers a $35,000.00 limit and may help you up to that amount. You can also see our page under personal loans and you can apply there. Good luck

America Loan Team


Reply to: Andrea L**


Application from: harry**

City: quinton
State: alabama
Credit Rating (FICO): 450
Profession: power generation
Amount Requested: $85000
Age: 45
Current Debt: 885000
Yearly Income: 110000
Zip Code: 35130

Message:

trying to restructure my debt so I dont have to file bankruptcy

Hi Harry,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 450, we are limited on the lenders we can recommend. With your income being so high, you may have other options with credit unions. America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we sent you can help with your request of $85,000.00 for a personal loan.


Reply to: harry**


Application from: SANDRA C.

City: Jacksonville
State: Florida (FL)
Credit Rating (FICO): 434
Profession: Profession not given
Amount Requested: $3500.00
Age: 54
Current Debt: TRUCK
Yearly Income: 38000.00
Zip Code: 32244

Message:

We will forward this on for you, good Luck. We have a very good lender that fits the amount of capital you require. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: SANDRA C.


Application from: Kyle

City: Cape girardeau
State: Missouri
Credit Rating (FICO): 560
Profession: Forklift driver
Amount Requested: $1500
Age: 21
Current Debt: 35000
Yearly Income: 35000
Zip Code: 63701

Message:

Hi Kyle,

We will forward this on for you, good Luck. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Kyle


Application from: Richard D.

City: passaic
State: new jersey
Credit Rating (FICO): 480
Profession: Profession not given
Amount Requested: $30000
Age: 28
Current Debt: 5000
Yearly Income: 60000
Zip Code: 7055

Message:

We will forward this on for you, good Luck. We have a very good lender that fits the amount of capital you require and works with people with a Fico score in the 480 range. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Richard D.


Application from: Danielle T**

City: Plymouth
State: New Hampshire
Credit Rating (FICO): 457
Profession: Teacher
Amount Requested: $1500.00
Age: 22
Current Debt: 35000
Yearly Income: 25000.00
Zip Code: 3264

Message:

Hi Danielle,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 457, we are limited on the lenders we can recommend.

Here's a handy table to help you to figure out what type of credit you have: Excellent Credit Scores: Over 750 Good Credit Scores: 700 to 749 Fair Credit Scores: 650 to 699 Poor Credit Scores: 600 to 649 Bad Credit Scores: Less than 600

America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we emailed you can help with your request of $1,500.00 for a personal loan. Our lender offers Personal Loans from $1,000.00 to $35,000.00 and you can apply on our Personal Loan page. You can also want to check out our Bad Credit Loans page. They offer loans from $500.00 to $5,000.00. If you are unable to find what you are looking for with a personal loan, have a look at our Debt Settlement page and get your credit score back to a manageable level.

Good luck

America Loan Team


Reply to: Danielle T**


Application from: Danny

City: Bella vista
State: Arkansas
Credit Rating (FICO): 450
Profession: Cna
Amount Requested: $120000
Age: 35
Current Debt: 40000
Yearly Income: 20000
Zip Code: 72715

Message:

Hi Danny,

The lender that we work with that would try to fund with a Fico score at 450 will only lend up to $35,000.00 so we do not have anyone to forward this request. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We forward information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Danny


Application from: Michelle S.

City: Columbus
State: Georgia
Credit Rating (FICO): 445
Profession: Freight team member
Amount Requested: $50000
Age: 51
Current Debt: 150000
Yearly Income: 35000
Zip Code: 31903

Message:

I am a retired veteran and I made some bad investments and I am just trying to get back on my feet. I thank you for your help.

Hi Michelle,

Getting a loan this large with a Fico score of 445 could be difficult. We have a lender with will do $35,000.00 and work with Fico scores in the 400 range. We will forward your request to them and they may help with part of your request. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Michelle S.


Application from: RONALD T

City: ellenwood
State: Georgia
Credit Rating (FICO): 500
Profession: Profession not given
Amount Requested: $5000
Age: 64
Current Debt: 0
Yearly Income: 23000
Zip Code: 30034

Message:

I have three bills o would love to pay off I hope it's something u guys can do to help me

Hi Ron,

With a Fico score at 500 and requiring $5,000.00, we have a lender to send your request. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: RONALD T


Application from: Sappreha D

City: pittsburg
State: California
Credit Rating (FICO): 450
Profession: Profession not given
Amount Requested: $800
Age: Age not given
Current Debt: student loans
Yearly Income: Income Not Specified
Zip Code: 94565

Message:

Hi Sappreha,

As you did not include your income, it makes it very difficult to try and help you. If you are not working, I cannot send this to anyone. Your Fico score of 450 limits who we can access to help you, so please apply again and send us your income info and your age. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Sappreha D


Application from: Jackson L

City: Borger
State: Texas
Credit Rating (FICO): 609
Profession: pipefitter helper
Amount Requested: $5000
Age: 33
Current Debt: 20000
Yearly Income: 34000
Zip Code: 79007

Message:

Hi Jackson,

We will forward this on for you to a lender that may be able to help you. The interest rate will be based on your fico score with the lenders. America Loan Service is not a lender, we only connect lenders to people looking for funding. Good Luck with this Jackson.

All the best

America Loan Service Team


Reply to: Jackson L


Application from: Roberta Z.

City: Jurupa Valley
State: CA
Credit Rating (FICO): 420
Profession: Profession not given
Amount Requested: $50000
Age: Age not given
Current Debt: 50000
Yearly Income: Income Not Specified
Zip Code: 91752

Message:

Hi Roberta,

With a Fico score of 420, it is very difficult to get a loan for the amount you are requesting. I will forward you request on, but this lender only lends to the $35,000.00 level. Your income is not listed so make sure if they contact you to complete that information.

America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Roberta Z.


Application from: Xavier**

City: BROOKLYN
State: NY
Credit Rating (FICO): 450
Profession: Profession not given
Amount Requested: $4000
Age: 32
Current Debt: 2000
Yearly Income: 23000
Zip Code: 11229

Message:

Hi Xavier,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 450, we are limited on the lenders we can recommend.

Here's a handy table to help you to figure out what type of credit you have: Excellent Credit Scores: Over 750 Good Credit Scores: 700 to 749 Fair Credit Scores: 650 to 699 Poor Credit Scores: 600 to 649 Bad Credit Scores: Less than 600

America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we emailed you can help with your request of $4,000.00 for your medical bills. Our lender offers Personal Loans from $1,000.00 to $35,000.00 and you can apply on our Personal Loan page. You can also want to check out our Bad Credit Loans page. They offer loans from $500.00 to $5,000.00.

Good luck

America Loan Team


Reply to: Xavier**


Application from: Brittany**

City: Fairburn
State: Ga
Credit Rating (FICO): 444
Profession: Bartender
Amount Requested: $4500
Age: 26
Current Debt: 4500
Yearly Income: 30000
Zip Code: 30213

Message:

Hi Brittany,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 444, we are limited on the lenders we can recommend.

Here's a handy table to help you to figure out what type of credit you have: Excellent Credit Scores: Over 750 Good Credit Scores: 700 to 749 Fair Credit Scores: 650 to 699 Poor Credit Scores: 600 to 649 Bad Credit Scores: Less than 600

America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we emailed you can help with your request of $4,500.00 for a personal loan. Our lender offers Personal Loans from $1,000.00 to $35,000.00 and you can apply on our Personal Loan page. You can also want to check out our Bad Credit Loans page. They offer loans from $500.00 to $5,000.00.

Good luck

America Loan Team


Reply to: Brittany**


Application from: Terrance

City: Humble
State: TX
Credit Rating (FICO): 455
Profession: teacher
Amount Requested: $6000.00
Age: 37
Current Debt: 2050.00
Yearly Income: 54000.00
Zip Code: 77338

Message:

I am looking to apply for a loan for 6,000.00. It is needed to clear up 2,000.00 debt, much needed auto repair, and moving expenses (in town). Need and want to discuss arrangements to receive and show my trustworthiness of loan.

Hi Terrance,

We will send this off to a lender that normally helps people with a Fico score of 455. Looks like you have very limited debt and a great job. America Loan Service does not make lending decisions, we only forward on requests to the lenders that we believe will help people based on their financial position and requirement.

All the best

America Loan Service team.


Reply to: Terrance


Application from: Gene L

City: Sturgeon Bay
State: Wi
Credit Rating (FICO): 435
Profession: Profession not given
Amount Requested: $1200
Age: 63
Current Debt: Credit card debt
Yearly Income: 16800
Zip Code: 54235

Message:

Hi Gene, We have found a lender that will work with clients that have a Fico score in the 400's. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Gene L


Application from: Justin M

City: Ringwood nj
State: NJ
Credit Rating (FICO): 458
Profession: Profession not given
Amount Requested: $18000
Age: Age not given
Current Debt: 0
Yearly Income: Income Not Specified
Zip Code: 7456

Message:

Hi Justin,

We have found a lender that can provide loans with a Fico score in the 400's. You have not provided us enough information to forward this on. America Loan Service is not a lender. America Loan Service has no influence on the lenders decisions and the financial relationship will be between you and the institution providing the loan. We will forward your information onto the lender we feel best suits your requirements. They will contact you directly via email if they are able to help you based on the criteria you have provided. Wishing you success in finding what you are looking for. Best wishes America Loan Service team


Reply to: Justin M


Application from: Dawn P

City: Spring grove
State: Pennsylvania
Credit Rating (FICO): 474
Profession: Sales
Amount Requested: $8500.00
Age: 33
Current Debt: 0
Yearly Income: 40000
Zip Code: 17362

Message:

Hi Dawn,

We have found a lender that will work with a Fico score in the 400's. America Loan Service is not a lender, we only forward on requests to the lender that we are hope full will help you.

Best Wishes America Loan Service Team


Reply to: Dawn P


Application from: Andrea S**

City: NASHVILLE
State: Tennessee
Credit Rating (FICO): 467
Profession: Self-employed housekeeper and cleaning
Amount Requested: $2500
Age: 33
Current Debt: Student loan, Comcast bill,
Yearly Income: 40000
Zip Code: 37211

Message:

I really appreciate any loan amount that I can get approved for. This is my last option and I desperately need this to work.

Hi Andrea,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 467, we are limited on the lenders we can recommend.

Here's a handy table to help you to figure out what type of credit you have: Excellent Credit Scores: Over 750 Good Credit Scores: 700 to 749 Fair Credit Scores: 650 to 699 Poor Credit Scores: 600 to 649 Bad Credit Scores: Less than 600

America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we emailed you can help with your request of $2,500.00 for a personal loan. Our lender offers Personal Loans from $1,000.00 to $35,000.00 and you can apply on our Personal Loan page. You can also want to check out our Bad Credit Loans page. They offer loans from $500.00 to $5,000.00.

Good luck

America Loan Team


Reply to: Andrea S**


Application from: Hector R**

City: Orlando
State: Florida
Credit Rating (FICO): 450
Profession: Vehicles service attendance
Amount Requested: $15000
Age: 26
Current Debt: J
Yearly Income: Income Not Specified
Zip Code: 32822

Message:

Hi I need personal loan because I have my dog and he need a surgery and I whant to pay couple months for my cars I need the help

Hi Hector,

We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 450, we are limited on the lenders we can recommend.

Here's a handy table to help you to figure out what type of credit you have: Excellent Credit Scores: Over 750 Good Credit Scores: 700 to 749 Fair Credit Scores: 650 to 699 Poor Credit Scores: 600 to 649 Bad Credit Scores: Less than 600

America Loan Service is not a lender and we do not make lending decisions. We hope the providers that we sent you can help with your request of $15,000.00 for a personal loan. Our one lenders offers personal loans from $1,000.00 to $35,000.00 and may help you up to that amount. You can see our page at personal loans and apply there . You may also want to check out our Bad Credit Loans page. They offer loans from $500.00 to $5,000.00.

Good luck

America Loan Team


Reply to: Hector R**


Application from: Gwendolyn H*

City: Manning
State: SC
Credit Rating (FICO): 450
Profession: Profession not given
Amount Requested: $35000.00
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 29102

Message:>Hi Gwendolyn, We do not have a lender that we can recommend for a $35,000.00 with a credit score of 450 with no income. You may want to consider a debt relief company.

Reply to: Gwendolyn H*


Application from: Gwendolyn H*

City: Manning
State: SC
Credit Rating (FICO): 450
Profession: Profession not given
Amount Requested: $35000.00
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 29102

Message:>Hi Gwendolyn, We do not have anyone for $35,000.00 loans with a 450 credit score. For this amount of loan with your credit score, you will require some form of security. Good luck

Reply to: Gwendolyn H*


Application from: Terrell*

City: Tifton
State: Ga
Credit Rating (FICO): 522
Profession: Driver
Amount Requested: $
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 31794

Message:

Reply to: Terrell*


Application from: David Weathersby

City: Pittsburg
State: Kansas
Credit Rating (FICO): 417
Profession: production
Amount Requested: $2500
Age: 31
Current Debt:
Yearly Income: 17039
Zip Code: 66762

Message:hoping too get help with Christmas this year

Reply to: David Weathersby


Application from: Laura

City: Saint Charles
State: MO
Credit Rating (FICO):
Profession: Registered Nurse
Amount Requested: $6500
Age: Age not given
Current Debt:
Yearly Income: 75000
Zip Code: 63304

Message:

Reply to: Laura


Application from: Ashley R*

City: Lubbock
State: Texas
Credit Rating (FICO): 440
Profession: Profession not given
Amount Requested: $2000.00
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 79412

Message:Hi Ashley, We answered you on your last request. Best,

Reply to: Ashley R*


Application from: Evan*

City: Honolulu
State: Hawaii
Credit Rating (FICO):
Profession: Environmental
Amount Requested: $25000
Age: Age not given
Current Debt: 10000
Yearly Income: 57000
Zip Code: 96706

Message:Looking to build my credit and pay off my debts. Some listed on report a few are not. Also I am trying to assist in some unexpected family situation that would be of great help. Hi Evan, Unable to make a recommendation Without your credit rating? thanks,

Reply to: Evan*


Application from: Laura

City: Saint Charles
State: MO
Credit Rating (FICO):
Profession: Registered Nurse
Amount Requested: $6500
Age: Age not given
Current Debt:
Yearly Income: 75000
Zip Code: 63304

Message:

Reply to: Laura


Application from: Roger*

City: Corona
State: California
Credit Rating (FICO): 488
Profession: Driver
Amount Requested: $8000
Age: 62
Current Debt: 22000
Yearly Income: 32000
Zip Code: 92879

Message:Looking to pay bills because of 2 months out of work ,back to work! Hi Roger, You will need to get your credit score up to 580 to have any success with the lenders online. We would suggest a local credit union if you have collateral. Good luck.

Reply to: Roger*


Application from: Ashley R*

City: Lubbock
State: Texas
Credit Rating (FICO): 440
Profession: Profession not given
Amount Requested: $2000.00
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 79412

Message:I am a single mom and I have a good job now but I need help catching up on bills that got behind before the good job. My credit score is low but I will pay bay back. Please help me. Hi Ashley, We sent you a few options. You did not give us very much info so we are really guessing. good luck

Reply to: Ashley R*


Application from: Kimbria H*

City: Austell
State: Georgia
Credit Rating (FICO): 552
Profession: Personal Banker
Amount Requested: $5000
Age: 31
Current Debt:
Yearly Income: 32500
Zip Code: 30106

Message:Trying to pay off some debt single mom of three just need a little help >Hi Kimbria, We would really recommend that you not apply for financing right now. With your credit score at 552, even if a bad credit lender does offer you money, the interest rate will be extreme. You should expect 30-35% interest if you are offered anything at all. With you income below 3,000.00/month, the last thing you need is a loan with interest rates this high, its a recipe of failure. You can apply for a copy of your credit report. Find out what items are causing your credit score to be so low. Fix the issues and your credit score will improve. We have lenders that will look at your application when your credit score is above 580. You meet the income requirement of $2,000.00 per month as well. You have not listed your debt on this application so we do not know what to send you.

Reply to: Kimbria H*


Application from: Crystal

City: BREAUX BRIDGE
State: LA
Credit Rating (FICO): 464
Profession: Profession not given
Amount Requested: $5000
Age: Age not given
Current Debt: 14000
Yearly Income: 24000
Zip Code: 70517

Message:

Reply to: Crystal


Application from: jordan*

City: sumerduck
State: Virginia
Credit Rating (FICO): 454
Profession: customer​ service representative
Amount Requested: $5000
Age: 24
Current Debt: 10000
Yearly Income: 32000
Zip Code: 22742

Message:looking for a 5000 dollar loan. To help with debt and get me back on track.

Reply to: jordan*


Application from: Hasen B*

City: Spencer
State: OK
Credit Rating (FICO): 505
Profession: Profession not given
Amount Requested: $5000.00
Age: 35
Current Debt: 0
Yearly Income: 24000
Zip Code: 73084

Message:Hi Hasen, With your credit score at 505, we would recommend you try applying at www.americaloanservice.com. When you apply, there are many lenders that offer loans to all levels of credit scores. They also offer short and long term loans ranging from $100-$25,000.00 ** America Loan Service is not a lender. America Loan Service has no influence on the lender's decisions and the financial relationship will be between you and the institution providing the loan. Wishing you success in finding what you are looking for. Credit rating table: Excellent Credit Scores: Over 750 Good Credit Scores: 700 to 749 Fair Credit Scores: 650 to 699 Poor Credit Scores: 600 to 649 Bad Credit Scores: Less than 600 Thanks for contacting us. We will not be contacting you again unless you complete the online application again at www.americaloanservice.com Hope this helps you out. Regards, Gerald Proctor America Loan Service Mountain View, California 94040

Reply to: Hasen B*


Application from: Victor

City: PONCHATOULA
State: LOUISIANA
Credit Rating (FICO): 520
Profession: Construction
Amount Requested: $8000
Age: 58
Current Debt: 8000
Yearly Income: 45000
Zip Code: 70454

Message:Need to get out of debt

Reply to: Victor


Application from: Jordan R*

City: sumerduck
State: Virginia
Credit Rating (FICO): 454
Profession: customer​ service representative
Amount Requested: $5000
Age: 24
Current Debt: 10000
Yearly Income: 32000
Zip Code: 22742

Message:looking for a 5000 dollar loan. To help with debt and get me back on track. Hi Jordan, We can recommend a lender, but we do not recommend that you use them. With your current credit score, they will charge overcharge you in interest. They may not approve you as well and that will depend on your credit history and what got you to a 454 credit score. I'm hoping for your sake its only a lack of credit history.

Reply to: Jordan R*


Application from: allen Baine

City: geneva
State: AL
Credit Rating (FICO): 435
Profession: Press operator
Amount Requested: $5000.00
Age: 41
Current Debt: 8500
Yearly Income: 25000
Zip Code: 36340

Message:I just need a life line to get caught up

Reply to: allen Baine


Application from: Hasen Burrough

City: Spencer
State: OK
Credit Rating (FICO): 505
Profession: Profession not given
Amount Requested: $5000.00
Age: 35
Current Debt: 0
Yearly Income: 24000
Zip Code: 73084

Message:

Reply to: Hasen Burrough


Application from: Shariece Davis

City: Topeka
State: Kansas
Credit Rating (FICO): 490
Profession: Admin. Asst.
Amount Requested: $2500.00
Age: 37
Current Debt: 32,000 - student loans primarily
Yearly Income: 48500
Zip Code: 66619

Message:

Reply to: Shariece Davis


Application from: Hasen Burrough

City: Spencer
State: OK
Credit Rating (FICO): 505
Profession: Profession not given
Amount Requested: $5000.00
Age: 35
Current Debt: 0
Yearly Income: 24000
Zip Code: 73084

Message:

Reply to: Hasen Burrough


Application from: Shameika*

City: Hopewell
State: VA
Credit Rating (FICO): 493
Profession: Profession not given
Amount Requested: $10000
Age: Age not given
Current Debt: Student loans, and hospital bills
Yearly Income: 27000
Zip Code: 23860


Reply to: Shameika*


Application from: Erica*

City: Salem
State: OR
Credit Rating (FICO): 450
Profession: SSD
Amount Requested: $20000
Age: 46
Current Debt: 19500
Yearly Income: 29000.00
Zip Code: 97305

Message:Hi Erica,

bad credit score repair


Reply to: Erica*


Application from: Rebecca S*

City: San Marcos
State: Texas
Credit Rating (FICO):
Profession: CNA
Amount Requested: $5000
Age: Age not given
Current Debt:
Yearly Income: 30000
Zip Code: 78666

Message:

Reply to: Rebecca S*


G
Gerald Proctor

August 6th, 2018

Hi Rebecca, This company offers loans of up to $5,000 for bad credit

Any Credit Score Can Apply

G
Gerald Proctor

August 6th, 2018

Hi Rebecca, This company offers loans of up to $5,000 for bad credit Any Credit Score Can Apply

Application from: Amber

City: Amarillo
State: TX
Credit Rating (FICO): 500
Profession: Nurse
Amount Requested: $1500
Age: 43
Current Debt: 60000
Yearly Income: 35000
Zip Code: 79108

Message:

My numbers may not be exact, but close


Reply to: Amber


Application from: Jalesya

City: Rocky Mount
State: NC
Credit Rating (FICO): 518
Profession: Labor
Amount Requested: $3500
Age: Age not given
Current Debt: 75000
Yearly Income: 25000
Zip Code: 27804

Message:

How fast is the process and, how soon I can receive my funds?


Reply to: Jalesya


G
Gerald

April 29th, 2019

Hi Jalesya -

Our lenders can process a loan within 48 hours, but the issue is that due to the stringent lending laws around bad credit in NC, we do not have any lenders there.  

Best of luck,

Gerald

Application from: Chris

City: Elkins Park
State: PA
Credit Rating (FICO): 605
Profession: Clerk
Amount Requested: $17000
Age: 41
Current Debt: 13000
Yearly Income: 2500
Zip Code: 19027

Message:

I am in a bad situation. I have a bad back and had to quit my higher paying job. I am working a new job and collect SSDI. I am late on a few Bill's and could really use this loan to help with my Bill's and debts.


Reply to: Chris


G
Gerald

May 26th, 2019

Hi Chris -

It is tough to be in a difficult financial situation.  I see that you are looking for a personal loan from a direct lender.  Americal Loan Service is an online company that helps consumers find the right lender for them.  We take the frustration of searching for help and make it a much easier process for you.  I see that you are looking for a loan to pay off your credit cards and medical bills.

Your monthly income and credit score will determine how much you can apply for.  My recommendation would be the following;

1) If you own your home and have equity, I would apply for a secured personal loan.  

2) If you own your vehicle we have lenders that will refinance your car or use it as security for a secured personal loan.

3) We have a lender that would allow you to pay off your credit cards at a much lower interest rate, but your score needs to be higher than 550.  Alternatively, I recommend joining Novita, a free credit repair program that helps you rebuild your credit.

For more information see:  Auto Loan ReviewsHome Equity LoansDebt Consolidation

 

 

 

Application from: Chris

City:
State: PA
Credit Rating (FICO): 605
Profession: Clerkl
Amount Requested: $17000
Age: 41
Current Debt: 13000
Yearly Income: 30093
Zip Code: 19027

Message:

I am in a bad situation. I have a bad back and had to quit my higher paying job. I am working a new job and collect SSDI. I am late on a few Bill's and could really use this loan to help with my Bill's and debts.


Reply to: Chris


Application from: Desiree

City: Escanaba
State: Michigan
Credit Rating (FICO): 527
Profession: Profession not given
Amount Requested: $10000
Age: Age not given
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 49829

Message:

can you email me a lender that can help


Reply to: Desiree


G
Gerald

June 3rd, 2019

Hi Desiree -

So sorry to hear about your little one with medical issues - so hard as a parent.  Your score is a little low, but I am sending you a couple of links of lenders that may help you.  As well, I am sending you a link to a free online credit rebuilding program that will help you get your credit to a place that you will qualify for a larger loan with better terms and rates.  Here are the links -

Novita

Bad Credit Loan

Best Bad Credit Loans

 

Application from: Ashley

City: Lawrenceburg
State: Tn
Credit Rating (FICO): 420
Profession: Nurse
Amount Requested: $80000
Age: 24
Current Debt: Medical, credit card
Yearly Income: 110000
Zip Code: 38464

Message:

My daughter went thru some medical problems and I fell behind on payments. Currently working as a pediatric nurse and need help getting back on top.


Reply to: Ashley


L
Leyna

June 24th, 2019

Hi Ashley

Sorry to hear about your daughter's health problems.  Unfortunately, the most money you would get for an unsecured personal loan with a credit score of 486 or less would be $2,500.  If you own your home and have equity, you could apply for a secured home equity loan.  The issue is, if you have any late payments or a bankruptcy on your credit report you will not be approved.

Application from: Josh

City: Centennial
State: Co
Credit Rating (FICO): 460
Profession: Driver
Amount Requested: $30000
Age: 44
Current Debt: 25000
Yearly Income: 48000
Zip Code: 80015

Message:

Just want to have to have one payment I can afford and a little money for a vacation for me and my brother. Spent a year and a half trying to build up my credit got it to a 638 and in 2 months it's down to a 460. Just need someone to help me this time.


Reply to: Josh


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