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Valued Member
Posts: 91
Registered: ‎11-04-2010
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Re: 800 LOAN MART and personal loan experience :(

What about payday loans from Check into cash or one of those places before outrageous fees?  Not as much $ as once, but more manageable?

Gardening since 6-28-2013
Barclay's iTunes: $3,500 | Travelocity Amex $3,350.00 | USAA $7,000.00 | Chase Freedom: $2,000.00 | Discover IT $1,000.00 | NFCU cashRewards Visa $22,500.00 | NavCheck $12,500.00 | USAA $7,000.00 | JCP $3,000.00 | Macy's $2,200.00 | Sam's Club $1,100.00 | Care Credit: $3,300.00 | Carson's $5,250.00 | Wal*Mart $1,500.00 | Various others... can't remember most store cards --- Long journey to HERE -- keep up the good fight!
Frequent Contributor
Posts: 390
Registered: ‎01-11-2013
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Re: 800 LOAN MART and personal loan experience :(

I actually went to a payday loan and the most they give is $255 and a payback of 300. which obviously sucks too but is helpful. however, i cannot pay that back with a credit card so i need cash in my account


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Frequent Contributor
Posts: 390
Registered: ‎01-11-2013
0

Re: 800 LOAN MART and personal loan experience :(

At the credit unions I started asking for 5k, but then the last few i started asking for 1000 to hope that would be low enough...no luck


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Regular Contributor
Posts: 144
Registered: ‎06-28-2012
0

Re: 800 LOAN MART and personal loan experience :(

[ Edited ]

Do you live in California? If so you can look up Progresso Financia. It's a California based company that loans 2500 or so. There are about $100 in fees and the intrest rate is about 30%. I think it ends up making the loan a little more than $3100. Not as bad as 7000 and your score would probably qualify you. However they are only located in CA.

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 :smileysurprised:)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



Frequent Contributor
Posts: 390
Registered: ‎01-11-2013
0

Re: 800 LOAN MART and personal loan experience :(

yes i live in san diego, ca


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Regular Contributor
Posts: 144
Registered: ‎06-28-2012
0

Re: 800 LOAN MART and personal loan experience :(

[ Edited ]

dddfresh wrote:

yes i live in san diego, ca


AWESOME>>> Look up Progresso Financiero. They were great for my sister and they report to credit bureaus like a regular personal loan. They do check 3 refrences and do extensive phone calls with them. That's how I know about it because I was a reference for my sister. There are locations in San Diego.

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 :smileysurprised:)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



Frequent Contributor
Posts: 390
Registered: ‎01-11-2013
0

Re: 800 LOAN MART and personal loan experience :(

is it only for hispanics? or am i on the wrong site??? it says its to help mexican community?


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Frequent Contributor
Posts: 390
Registered: ‎01-11-2013
0

Re: 800 LOAN MART and personal loan experience :(

it says the loan documents are in spanish...i dont speak or read spanish


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Regular Contributor
Posts: 144
Registered: ‎06-28-2012
0

Re: 800 LOAN MART and personal loan experience :(


dddfresh wrote:

is it only for hispanics? or am i on the wrong site??? it says its to help mexican community?


I think it is marketed for hispanics but I am sure they cannot discriminate against you if you are not. My sister is caucasian and she has a loan with them.

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 :smileysurprised:)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



Regular Contributor
Posts: 144
Registered: ‎06-28-2012
0

Re: 800 LOAN MART and personal loan experience :(


dddfresh wrote:

it says the loan documents are in spanish...i dont speak or read spanish


Yeah, they will provide an english copy for you and they have people who speak english. Hey, give it a shot! It's much better than 7000!!!!!!!!!!!!

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 :smileysurprised:)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



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