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
Private Student Loans
Student Loan Refinancing
Secured Home 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.
Reverse Mortgage Options
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
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.
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 helps consumers repair errors on their credit report.
Fina, a resident of Johnston, Iowa has a few credit cards with large balances. Fina owes about $26,000 on her America's First FCU Visa Secured and Citizens Bank Clear Value MasterCard alone, and now wants an unsecured loan of $120,000 to consolidate the debt from their credit cards and student loans. Fina's main credit card is Detroit Tigers BankAmericard Cash Rewards MasterCard, and they've got $33,000 on it as of December 14, 2010. The best way that Fina can repay her Detroit Tigers BankAmericard Cash Rewards MasterCard is with a debt consolidation loan.
Fina is a dental/orthodontic office administrator from Johnston, Iowa who needs $120000 loan. Fina attended Fairleigh Dickinson University for 4 years and still has student loan debt and would like to consolidate the credit card debt and the student loan debt into one payment.
Fina had an Equifax Fico score of 682, regarded as a fair credit rating
Fina has a Transunion score of 665. This is a fair credit score. Credit scores like that of Fina influence lender's decisions
Fina has an Experian score of 597. This is a fair credit rating. If your rating is fair like Fina, it will not affect your odds of finding a loan
Fina Began By Inquiring For An Unsecured Loan Using The Inquiry Form
Hi I'm Fina born and raised in Johnston, Iowa. My current location is Johnston, Iowa still. My current credit rating is 682 on the FICO scale and my Experian score is 665. Looking for a $120,000 loan to pay off student loans and credit cards. One payment every month and the debt all have an end date.
- Client name: Fina
- County: Polk
- Home State: Iowa
- Current zip code: 50133
- Current income: $120,000
- Profession: dental/orthodontic office administrator
- Credit Card Debt: $7000 on their Detroit Tigers BankAmericard Cash Rewards™ MasterCard
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