11-04-2011 07:28 PM
You have zero chance.
Almost no credit history. Very, very short work history. Not enough income.
You haven't stated but I'm assuming that you don't have a net worth of at least $1,000,000.
Do you have any idea what it takes to qualify for a personal loan of $100K?
11-04-2011 07:32 PM
i mean someone must be able to get them if they werent able to i dont think wells fargo would offer unsecured loans up to 100k.
Yes, but if they gave a $100k personal loan to everyone who makes $100k+ pre-tax, they would be handing out loans left and right. Though it's much more than I make, $100k is not an incredible income.
Of course, you have a much better chance if you have a good reason for requesting such a large personal loan. Clue us in?
11-04-2011 10:09 PM
I don't want to pry...but is this for someone not covered by your medical insurance? That'd be crazy if your insurance wouldn't cover that procedure for you/your dependants. You need to let the hospital/surgeon know that this is coming directly from your pocket.
I personally hope they give you the max + for whatever you qualify for. You might need a plan B to make up the difference though. 401k loans...HELOC if you have a house not underwater, donations/loans from family. Again, best of luck.
11-05-2011 11:29 AM
I hope things work out for you, but I just dont see banks in this economy handing out a blank check for that amount. I'm no loan officer, but I would think the low credit limits you have and recent credit you've applied for is going to be a negative.
11-09-2011 02:32 PM
Zero chance, sorry.
Do you have assets with equity in them? WF is conservative and my quess is that you would nee to be making $300K+ per year, and have significant deposits on records with them for that kind of personal unsecure loan, but good luck.
11-09-2011 04:39 PM
oh and I must have calculated something wrong according to my last 3 checks I net $4632.44 every 2 weeks.
By net do you mean after taxes and all other monthly bills? Or only after taxes?
11-10-2011 11:22 AM
i have no monthly bills and yes after taxes i applied yesterday and they said i should recieve a answer today!!
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