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Is Your Credit Bad Like Sylvie? Get $36000 A No Collateral Loan From National Penn Bank

Looking for a home equity loan or debt consolidation loan has never been easier. We have listed providers for home equity loan and home equity line of credit as well as debt consolidation loans for any credit score. We've also listed a loan provider for co-signing or applying together for a loan. Own your own business? Check out business loan providers offering debt consolidation loans with a credit score starting at 500.

Secured Home Equity Loan Options

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

A home equity loan or home equity line of credit (HELOC) provides an excellent way to consolidate debt even with bad to fair credit score. The home equity provider we have listed has consolidated over 1,500 companies to give you the greatest chance to qualify for a loan.  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.   

Personal Loan

An unsecured personal loan is a great solution if your credit score and credit history meet the criteria of the lender.  We have listed personal loan providers with credit scores starting at 620. This lender group offers loans ranging from $1,000 to $100,000. When banks consider a 620 credit score a high risk, online lenders are happy to receive your loan application.  

Business Loan Refinancing

We have added a number of business loan providers that will look at a debt consolidation loan with credit scores starting at 500. Some conditions apply including the time in business and gross annual revenues.

Best Secured Bad Credit Loan Options

Most lenders are looking to provide money to people with security. The lenders want their money to be protected with your assets for collateral. If you do try to apply for a loan with bad credit, having security can go a long way. Security refers to the equity in your home, refinancing your vehicle or finding a co-signer. The lender will place a lien against your asset to secure the loan. Even when you are using security, it can be difficult getting aa secured loan. Lenders still check your payment history as they do not want to risk having to repossess your assets. If you are planning on using security to secure your loan, you are risking the possibility of losing your assets if you default on the loan payment.

Unsecured Bad Credit Loan Providers

A bad credit loan definition is referring to a credit score. When a credit score is below 580, this is typically referred to as bad credit. If your searching for a loan with a credit score below 580 without collateral, you are applying for an unsecured bad credit loan.

What you can expect when you apply for a bad credit loan: 

  • Loan amounts normally do not exceed $5,000
  • The term of a bad credit loan is much shorter with the longest around 36 months 
  • Interest rates will be much higher with some starting over 25%

Secured Auto Purchase and Refinance

LendingTree offers hundreds of auto lenders that will help you buy the new car or refinance your existing vehicle.  This can be a great way to get capital out of an asset. This provider can refinance your vehicle and get your capital back to you.

Bad Credit Auto Financing

If you are searching for an auto loan up to $45,000, look no further.  This auto loan provider specializes in auto loans for any credit score. Give them a try today. Auto loans -- Bad Credit? No Credit? No Problem!

Auto Loans

Auto Financing or Refinancing

If you are looking for a new car or need to refinance your existing car, LendingTree may be your solution.

Asking your Family or Friends

Once you’ve reviewed the bad credit loan offers, consider offering the same interest to your family members with some form of security.

Co-Signing or Joint Signing

FreedomPlus specializes in co-signing with loans up to $40,000. If you are considering co-signing or asking someone to co-sign, we have provided information that explains the pros and cons of co-signing.

Free Credit Score Repair

Novita offers a free service credit score rebuilding program 

Research your Credit Score and Credit History

It's always a good idea to check your credit score and credit history before applying for a loan. Look through the report and check and see if you agree with everything 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.

Lexington Law

Lexington Law helps consumers repair errors on their credit report. 

Unsecured Payday Loan Debt Consolidation: $500 to $5,000

Consolidating payday loans with 400% to 1500% interest rates will save you money. OppLoans offer an installment loan which provides equal payments over a set period of time to get rid of payday loans.

Payday Alternative Loans (PAL's)
The Credit Union working alongside the US Federal Government has developed a program called Payday Alternative Loans (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.


Student Loan Refinancing

We have listed the best student loan refinancing providers in the USA that will work with co-signing. Most students have not had the time to establish their credit score. This is considered no credit history vs. calling it bad credit. The results are the same for the person applying, the lenders will not consider offering you a loan. 

Reverse Mortgage

A reverse mortgage is another way to access capital for debt consolidation from your home or property. This product is best suited for retired people that want to start taking equity from their home. Before you take this step, LendingTree will provide you information on the pros and cons of reverse mortgages.

Reverse Mortgage Options

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.

Credit Card Hardship Program

You can call the hardship department with credit card providers and request a new payment plan. Depending on the circumstances, the credit card provider may suspend use of the credit card until it's paid off in full. This is a much better step than letting the credit card go to collections.

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. 

Bad Credit Unsecured Loan

Unsecured loans do not require any type of collateral and if you have bad credit, especially with collections on your file, you may be forced to apply for a secured loan. The lender is providing money based on your word of repayment. This is a riskier investment for lenders and they normally charge higher interest rates than a secured loan. If you have an excellent credit score and a solid credit history, interest rates can be similar to a secured personal loan.

Case Study For $36000 no collateral Personal Loan with Bad Credit

Sylvie is a reservation ticket agent from Allentown, Pennsylvania who is looking for a $36000 no collateral loan to pay off the Ashley Furniture HomeStore Credit Card and his Princess Cruises Rewards Visa Card. The debt was over $36,000, and Sylvie makes $53,000 per year after tax. She is searching for no collateral loan or a secured loan using her home for collateral if she is forced by the lender.

Sylvie tried to obtain a bad credit loan for $15,000.00 and was declined

Principle of LoanLength of Term (Years)Interest Rate (APR)Monthly Installment PaymentLending Institution
$15160.00 9 5.3% $176.8 Orrstown Bank
$14540.00 6 8.7% $259.93 Peoples Bank of Nanticoke
$15190.00 9 5.7% $180.12 The Bridgeville Trust Company

Sylvie has a no collateral loan of $36,000 courtesy of Industrial Valley Bank and Trust Company 

Starting Interest Rate (APR)Remaining principleLender nameLender cityLender StateLoan Obtained
8.7% APR $29564.3 outstanding The People's Bank of Oxford Oxford Pennsylvania
8.5% APR $25119.66 outstanding First Lehigh Bank Walnutport Pennsylvania
5.5% APR $31813.85 outstanding SunBank Selinsgrove Pennsylvania
8.7% APR $30805.51 outstanding Merchants Bank (North) Wilkes-Barre Pennsylvania
11.4% APR $32840.28 outstanding Green Ridge Bank Scranton Pennsylvania

No collateral loan for $36000 in Pennsylvania near 18101

Searching for financing often impacts borrowers credit scores. When approved, individuals experience alterations to their credit. Sylvie experienced diverse changes to their credit over the course of the approval of this $36000 no collateral loan. Sylvie had an original credit score of 466.

  • Sylvie had an Equifax credit score of 466, which is regarded as bad credit
  • When it comes to Transunion, Sylvie had an initial credit score of 454, and so Sylvie has a bad credit score
  • On the Experian rating system, Sylvie had a 479 credit score, a bad credit rating

Sylvie got a loan from National Penn Bank despite their bad credit score. Here are their contact details

  • National Penn Bank
  • Street Address: 645 Hamilton Street Suite 1100
  • Branch city: Allentown
  • Branch state: Pennsylvania
  • Branch zip code: 18101
  • Branch County: Lehigh

Sylvie has a Fico score of 466. This is a bad credit rating

Fico Score: 466

Sylvie has a Transunion score of 454. This is a bad credit score. Credit scores like that of Sylvie alter lender's decisions

Transunion Score: 454

Sylvie had an Experian rating of 479, which is viewed as a bad credit score. Such bad credit ratings may significantly change results.

Experian Score: 479

Fico was changed due to this $36000 no collateral loan. Score change: 466 to 424

The Fico rating of Sylvie was reduced to 424 from 466 due to this no collateral loan. We should remember, any loan will reduce your credit rating. Our lenders have experienced clients going through credit fluctuations of up to 57 points on the Transunion scale. This is a lot.

Sylvie's quote after visiting National Penn Bank: The bank was thrilled to give me a loan. The APR of 7.10% was set based on my father co-signing the loan and his credit score of 745. As long as I make all of the payments on time, my credit score will get back on track very quickly with my current income and help from Novita getting my credit score back on track

Starting Loan Request From Sylvie For This No Collateral Loan

I've been responsible with money and now 2 little slip-ups with a home loan, a secured loan, and a secured loan and I have been very irresponsible. I still owe $97,000 to questionable lenders,  but that's my partner's fault. It is all her fault that I owe so much. 

Client Information: Sylvie
  • Client name: Sylvie 
  • County: Lehigh
  • Home State: Pennsylvania
  • Current zip code: 18107
  • Current income: undisclosed
  • Profession: reservation ticket agent
  • Credit Card Debt: $4000 on their Sister Hazel Rewards Visa Card

Living With Too Much Credit Card Debt Interest In Allentown, Pennsylvania

Sylvie in Allentown, Pennsylvania was hiding from creditors and every call was a debt collector. They had 5 credit cards between the business cards and personal cards. The credit score analysis came back that they were in trouble and had to take care of their debt situation. Sylvie connected with Novita for advice when the banks were unable to help them. Experian 479, Equifax 466 and Transunion 454

While the articles described are accurate, the names and some cities have been changed to protect our readers. America Loan Service would appreciate your thoughts concerning our work. Please do not give us your last name and try to keep the information in your testimonial quite general. It is the overall topic that everyone relates with and they appreciate your comments. When you send your comments, they will be reviewed within 24 hours and you will be notified if they are published.

Past Applications

Application from: Hawwah

City: Rockford
State: Illinois
Credit Rating (FICO): 533
Profession: insurance claim examiner
Amount Requested: $22000
Age: 20
Current Debt: 89,000
Yearly Income: 77,000
Zip Code: 61107


need get rid of some tiny loans from 7 months ago . disablility began paying us in 2006 for my disability that went down in 1999 - would like to get my credit score go back to normal : it's currently 533 which is fair we think .

Reply to: Hawwah

Application from: mark

City: Omaha
State: ne
Credit Rating (FICO): 479
Profession: trailer mechanic
Amount Requested: $4000
Age: 36
Current Debt: none
Yearly Income: 32000
Zip Code: 68107


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: mark

Application from: Jackie A

City: Silverton
State: Oregon
Credit Rating (FICO): 479
Profession: Caregiver
Amount Requested: $5000
Age: 27
Current Debt: yes, credit card
Yearly Income: 26000
Zip Code: 97381


I have three jobs, and recently got in a car accident totaled out my car and waiting to settle with insureanced.. missed over a month of work.

Hi Jackie, So sorry to hear about your accident. Hope you are doing better now. We submitted your personal loan request to a selected lender and we are hopeful that they contact you. You did not complete the debt amount on the form so they will be requesting that information from you at the time of contact. Your Fico score is only 479 and you will need to explain to the lender why it is so low. Try to be very detailed on the issues so they understand how your credit got into this position and that you are focused on making it right. ALS is not a lender, we only forward on loan requests. ALS has no influence on the lenders and that relationship is between you and the institution providing the loan.

Reply to: Jackie A

Application from: Tywana W

City: Houston
State: Texas
Credit Rating (FICO): 454
Profession: Profession not given
Amount Requested: $10000
Age: Age not given
Current Debt: 2,000
Yearly Income: Income Not Specified
Zip Code: 77028


Hi Ty,

We have found a lender that will try to help you with a Fico score in the 400"s. WE will 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: Tywana W

Application from: Megan H*

City: Monroeville
State: New Jersey
Credit Rating (FICO): 479
Profession: Social worker
Amount Requested: $3000
Age: 28
Current Debt: Credit cards
Yearly Income: 45000
Zip Code: 8343

Message:>Hi Megan, We have an option for you. Will email this to you tonight.You have a great job Megan. If you can get your credit score under control, you will benefit for the rest of your life. Check out this on our site.

Reply to: Megan H*

Application from: Ermias

City: Streamwood
State: Illinois
Credit Rating (FICO): 503
Profession: patent agent
Amount Requested: $86000
Age: 43
Current Debt: 49,000
Yearly Income: 80,000
Zip Code: 60103


we are trying to procure money to get rid of a dumb legal matter which was filed against us for funds I owe for our Barneys New York Credit Card - $86000 that is quite a lot . I require a personal loan for legal fees to fight the credit card guys. If I are unable to fight these guys we will lose payments as they'll legally be able to take from my paychecks directly and I wont be able to stop them from taking our money. Help - I made bad decisions lately, but owing $86000 shouldn't mean I get a criminal record !

Reply to: Ermias

Application from:

Credit Rating (FICO): 519
Profession: Profession not given
Amount Requested: $
Age: 33
Current Debt: 9000
Yearly Income: Income Not Specified
Zip Code:

Message:Trying to buy a home, had some money Daveed up, my father in law was detained at the border and that became a 14,000 expense over the last year. We own a body shop and have been trying to buy a home, We can afford more than a $40k home but want to start off small then eventually upgrade. Thank you for any help.

Reply to:

Application from: Cristy G*

City: Cartersville
State: Georgia
Credit Rating (FICO): 466
Profession: Profession not given
Amount Requested: $3000
Age: 27
Current Debt: 2000
Yearly Income: 36000
Zip Code: 30120

Message:I really need a loan to catch up on bills. I have 2 jobs now working at a restaurant as a salesperson and also working in a factory.

Reply to: Cristy G*

Application from: Ebony

City: Brooklyn
State: New York
Credit Rating (FICO): 466
Profession: Profession not given
Amount Requested: $4000
Age: 23
Current Debt: 3500
Yearly Income: Income Not Specified
Zip Code: 12229


I’m looking for some financial help so I can pay off my debts. I’m young and still want to have a good life as I grow older and credit is needed for everything these days. I’m working to catch back up on my debts but it seems like nothing is paying off. So help pleaseee.

Reply to: Ebony


April 22nd, 2019

Hi Ebony -

Unfortunately, due to the stringent guidelines around lending and poor credit, we do not have any lenders that could help you.

I would recommend that you join Novita Financial (a free online program that works with you to rebuild your credit).  In New York, your score needs to be over 600 before you can borrow money.

Here is the link Novita Financial

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