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Nachshon Has An Equifax Score Of 488, And Gets $32000 From Community Capital Bank

We were contacted by Nachshon with a 488 credit score who was searching for an auto loan. We responded with a list of options including bad credit loans, secured loans, secured credit cards, business loans and many more options

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.

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.

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.

Debt Consolidation Personal Loan Options

An unsecured personal loan is a great solution if your credit score and credit history meets the criteria of the lender.  We have listed personal loan providers with credit scores starting at 590. 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

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.

Secured 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.

Reverse Mortgage Options

Business Loan Refinancing

We have added 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.

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.

Lexington Law

If you find errors in your credit report, Lexington Law helps consumers repair errors on their credit report.

America Loan Service was contacted by Nachshon looking for an auto loan. We sent them many options for their review. 

Nachshon contacted America loan service looking for an auto loan for $32000. Having attended at Globe University, Nachshon has since taken up a career as a mediator. Before beginning her job, 

With the Equifax scale, Nachshon has a bad credit rating of 488

Fico Score: 488

Nachshon has a Transunion score of 469. This is a bad credit score. Credit ratings like that of Nachshon impact the bank's decisions

Transunion Score: 469

Nachshon has an Experian score of 506. This is a bad credit rating. If your score is bad like Nachshon, it will impact your probability of obtaining a loan

Experian Score: 506

Nachshon Began By Asking For This Debt Consolidation Loan Using This Information

I'm looking for an auto loan? We completed your form looking for a few ideas. Thank you, Nachshon.

Client Data: Nachshon
  • County: Kings
  • Home State: New York
  • Current zip code: 11209
  • Current income: Undisclosed
  • Credit Card Debt: $7000 on their Entrust FCU Visa REWARDS Platinum Credit Card

Past Applications

Application from: Mirta

City: Gulf Breeze
State: Florida
Credit Rating (FICO): 593
Profession: private nurse
Amount Requested: $18000
Age: 51
Current Debt: 2,000
Yearly Income: 70,000
Zip Code: 32561

Message:

had an injury in the family : found an payday loan - decided to go on a outing I wasn't able to afford - need a debt consolidation help for $18000. I am in Gulf Breeze in Florida. I went to Bismarck State College , which isn't a awesome school we know - we're educated !


Reply to: Mirta


Application from: Beradine

City: FORT MORGAN
State: Colorado
Credit Rating (FICO): 488
Profession: Maintenance Supervisor
Amount Requested: $5000
Age: 29
Current Debt: 4000
Yearly Income: 40000
Zip Code: 80701

Message:

looking for $5,000.00 for medical bills and pay off credit cards. My credit score is a bit low but I only need $5,000.00 and my current debt is $4,000.00 Maybe a consolidated loan for $9,000.00 would be better over a longer term?

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: Beradine


Application from: Victoria D.

City: Macon
State: Ga
Credit Rating (FICO): 488
Profession: Profession not given
Amount Requested: $6000
Age: Age not given
Current Debt: Auto loan
Yearly Income: 30000
Zip Code: 31210

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: Victoria D.


Application from: Jason

City: Thaxton
State: Mississippi
Credit Rating (FICO): 504
Profession: Truck Driver
Amount Requested: $85000
Age: 35
Current Debt: 85000
Yearly Income: 40000
Zip Code: 38871

Message:

This loan will payoff all loans leaving me with just this loan

Hi Jason,

We do not have a lender that will do an $85,000 loan with a Fico score of 504. Sorry we can't help. Wishing you success in finding what you are looking for. Regards, America Loan Service team


Reply to: Jason


Application from: Ashley R.

City: 213
State: CA
Credit Rating (FICO): 488
Profession: Profession not given
Amount Requested: $10000
Age: 25
Current Debt: 5000 school loan plus a check systems that needed to be disputed but i guess its to late of 1000 with bank of america.
Yearly Income: Income Not Specified
Zip Code: 90804

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: Ashley R.


Application from: Marcus

City: Campbellsville
State: Kentucky
Credit Rating (FICO): 488
Profession: Profession not given
Amount Requested: $2500
Age: 30
Current Debt:
Yearly Income: Income Not Specified
Zip Code: 42718

Message:

Reply to: Marcus


Application from: Joana*

City: Port huron
State: Michigan
Credit Rating (FICO): 506
Profession: Disabled
Amount Requested: $40000
Age: 36
Current Debt: There is debt for medical bill and some other this
Yearly Income: 21000
Zip Code: 48060

Message:If you can find it in your to help me I can get a house that is so much affordable thanks for your you Hi Joana, We emailed you some options. We would suggest your first options is professional help with getting your credit score repaired. Look for credit counseling services that are free. With your credit score at 506, you're wasting your time looking for money. Here is a link to the USA Gov site on dealing with debt. USA government help for debt counseling

Reply to: Joana*


Application from: Sidney*

City: Lanai city
State: HAWAII
Credit Rating (FICO): 488
Profession: Profession not given
Amount Requested: $5000
Age: 37
Current Debt:
Yearly Income: 45000
Zip Code: 96763

Message:>Hi Sidney, Give badcreditloans.com a try. We will send you a link. Good luck

Reply to: Sidney*


Application from: Olivia*

City: Newfane
State: NY
Credit Rating (FICO): 490
Profession: Banking
Amount Requested: $5500
Age: 26
Current Debt: 4500
Yearly Income: 37500
Zip Code: 14108

Message:>Hi Olivia, We sent you a couple of options. As you already know from being in the banking world, your credit score can be a killer if its below 600.

Reply to: Olivia*


Application from: Scottie*

City: Columbia
State: Maryland
Credit Rating (FICO): 488
Profession: Trucking
Amount Requested: $5000
Age: 45
Current Debt: 5000
Yearly Income: 50000
Zip Code: 21044

Message:Needing to pay off debt to get credit score up

Reply to: Scottie*


Application from: Daniela H*

City: Howell
State: New Jersey
Credit Rating (FICO): 488
Profession: Supervisor
Amount Requested: $5000
Age: 37
Current Debt: 9000
Yearly Income: 50000
Zip Code: 7731

Message:Hi Daniela, We sent you a link to badcredit loans. com. We would recommend working on your credit score instead of taking a loan. Interests rates will be very high. You would be better off to contact a debt settlement company and clear your existing debt, then repair your crddit score.

Reply to: Daniela H*


Application from: Miranda*

City: New york
State: New york
Credit Rating (FICO): 469
Profession: Director
Amount Requested: $5000
Age: 53
Current Debt: Credit cards, personal loan and student loan.
Yearly Income: 99360
Zip Code: 11369

Message:I can really use some help

Hi There Miranda

New York Co-Signed Loans for Bad Credit

Backed offers low-interest loans with a co-signer in New York State Your co-signer will require a credit score of 720 and earn at least $50,000. annually to qualify Max Loan Amount: $25,000 APR: from 2.99% (fixed) to 15.99% Loan term from 12 to 36 months Must be 18+ years old and be an American citizen or permanent resident Origination fee of .8% to 2% of loan amount Offering loans in Arizona, Arkansas, Florida, New Jersey, New York and West Virginia There are no prepayment fees Late fee after the 15-day grace period $20. Personal check processing fee of $10. Unsuccessful payment fee of $15.

Reply to: Miranda*


Application from: Jane

City:
State: pa
Credit Rating (FICO): 489
Profession: Profession not given
Amount Requested: $1500
Age: 52
Current Debt: hardly any large debt. I owe 500 on credit card and I don't want that going any higher. just need to get back on track
Yearly Income: Income Not Specified
Zip Code: 16875

Message:

Both my husband and I work full-time. I have no problem making monthly payments up to 300. I just need to get back on track with a few bills that are a month late. Please help


Reply to: Jane


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