What are my changes for a signature loan?

[lessismore2014]

I haven't been in this forum for so long.

I have a question, I quit my job back in May because they refused to let me take personal time off to do an internship for school. Anyway, I get an allowance from my son every month, who owns his own business, and I have no mortgage payments. I drive a Range Rover that is free & clear also no payments. I do have CC's that are almost maxed out. My question is what are the chances of me getting a signature loan with my credit union? I already have an unsecured loan with them. But if they can give me a secured loan using my car as collateral I would do it. I can show payments going into my account every month so I can show income. I have never been late with any of my bills. Everything has been paid on time every month. I just don't want to waste my time to get an inquiry when I have none on Experian or Equifax and only 3 on TU. Any thoughts?

[myjourney]

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@mnegron1969 wrote:

I haven't been in this forum for so long.

I have a question, I quit my job back in May because they refused to let me take personal time off to do an internship for school. Anyway, I get an allowance from my son every month, who owns his own business, and I have no mortgage payments. I drive a Range Rover that is free & clear also no payments. I do have CC's that are almost maxed out. My question is what are the chances of me getting a signature loan with my credit union? I already have an unsecured loan with them. But if they can give me a secured loan using my car as collateral I would do it. I can show payments going into my account every month so I can show income. I have never been late with any of my bills. Everything has been paid on time every month. I just don't want to waste my time to get an inquiry when I have none on Experian or Equifax and only 3 on TU. Any thoughts?

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Sorry to say IMHO 
I doubt it they will want to see some type of income as well as the car

[thom02099]

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@mnegron1969 wrote:

I haven't been in this forum for so long.

I have a question, I quit my job back in May because they refused to let me take personal time off to do an internship for school. Anyway, I get an allowance from my son every month, who owns his own business, and I have no mortgage payments. I drive a Range Rover that is free & clear also no payments. I do have CC's that are almost maxed out. My question is what are the chances of me getting a signature loan with my credit union? I already have an unsecured loan with them. But if they can give me a secured loan using my car as collateral I would do it. I can show payments going into my account every month so I can show income. I have never been late with any of my bills. Everything has been paid on time every month. I just don't want to waste my time to get an inquiry when I have none on Experian or Equifax and only 3 on TU. Any thoughts?

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That could also be a detriment to getting any further credit approvals.