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!
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.
Business Loan Refinancing
There is a number of business loan providers that will look at a debt consolidation loan with personal credit scores starting at 500. Some conditions apply including the time in business and gross annual revenues.
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. if you have damaged your credit with too much debt a co-signer can help with lowering your monthly interest expense.
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/security, you're 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 term around 36 months
- Interest rates will be much higher with some starting over 25%
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.
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.
Free Credit Score Repair
Novita offers a free service credit 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.
If you find errors in your credit report, Lexington Law helps consumers repair errors on their credit report.
Best Secured Bad Credit Loan Options
Most lenders are looking to provide loans to people with security. The lenders want their money to be protected with assets as 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 a 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.
Laurenn began her career as a police artist in New Jersey. Having attended Laredo Community College, Laurenn has since taken up a job as an art director. Prior to beginning her job, Laurenn accumulated $47,000 in credit card debt on their First Hawaiian Bank Heritage MasterCard. The APR on this First Hawaiian Bank Heritage MasterCard was 19%. Laurenn is looking for a debt consolidation loan to clear off this credit card debt.
Laurenn also has 4 other credit cards with $47,000 outstanding including her Hawaii USA Federal Credit Union Visa Platinum Credit Cards and Chicago White Sox BankAmericard Cash Rewards MasterCard. Laurenn and her partner have student loans as well that total $126,000. They are looking for a debt consolidation loan to pay off everything. They have been paying the minimum payment on all of the credit cards for almost 2 years and the principal is not going down at all.
Student Loan Refinancing
Private Student Loans
With the Fico scale, Laurenn has a bad credit score of 494
On the Transunion scale, Laurenn has a bad credit score of 478. This score impacts how lenders will view them, and as a result, the APR of their loan
Laurenn has an Experian score of 511. This is a bad credit rating. If your credit rating is bad like Laurenn, it will affect your chance of obtaining a loan
Laurenn comments after visiting First Fidelity Bank, National Association, South Jersey at Holly & Sunset Rds.
This was very difficult with my credit score so low. My partner had a much better credit score and had to sign for everything. We used our home as collateral and took out a home equity debt consolidation loan to pay off the student loans and the credit card debt. Now we have one payment and the debt will go down. We looked at a home equity line of credit and decided to just take a home equity loan so the payments went down asap.
Starting Request For Financing From Laurenn:
I'm looking for a debt consolidation loan to pay off my credit card debt and student loan debt. Can you recommend someone for this?
Client Information: Laurenn
- Client name: Laurenn
- County: Burlington
- Home State: New Jersey
- Current zip code: 8023
- Current income: Undisclosed
- Credit Card Debt: $6000 on their First Hawaiian Bank Heritage MasterCard
Application from: Ahreum
I graduated and would like to consolidate my loans. I am not sure I qualify. I work but not to do with my degree. I am hoping you can help me?
Reply to: Ahreum
Application from: Howard S.
I am in need of two months rent and the rest to cover utilities until work picks up. I need to keep a roof over my childrens dead. Please I need help. I can be reached at 301 861 8155
Reply to: Howard S.
Application from: Gwendolyn
I need help i don't know what else to do.
We have a lender that works with people with a Fico score in the 494 range. Will get this out for you right away. 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: Gwendolyn
Application from: Cortney H**
I just need help on my rent and car repairs...Also to get a block off my licenses...I need my license to work so I can provide for my kids.
We sent you an email with a few choice lenders that may be able to help you. With your Fico score at 550, 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 $5,000.00 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.
America Loan Team
Reply to: Cortney H**
Application from: Gideon
going through a divorce and I need a loan to clear off all debt between us. We reside in Bonham Texas so give info about the least expensive loan provider for our city.
Reply to: Gideon
Application from: Tom
Reply to: Tom
Application from: Bertha S*
Reply to: Bertha S*
Application from: Kimberly B
Reply to: Kimberly B
Application from: Jennifer
Trying to get back on my own two feet
Reply to: Jennifer