topic Re: Personal loans with fair credit in General Credit Topics

Personal loans with fair credit

AwwwYeee — Wed, 03 Sep 2014 22:43:57 GMT

I'm having trouble paying off my credit cards and would like a personal loan to help with it. Do you know any instituions that would approve someone with fair credit?

Re: Personal loans with fair credit

Anonymous — Wed, 03 Sep 2014 23:16:01 GMT

I know the feeling and went through this last year. Had some CC debt not a huge amount but it was difficult not seeing any real results because my debts were spread around a few cards. I applied for a personal loan and was denied and was extremely bummed. The next week I got a pre qualified letter for a 0 apr CC for balance transfers. I applied and was approved. Then got approved for another and was able to move all my debt into 2 0% CCs. Life got much easier and it's really helping to not pay interest and just watching my balance drop.

I know it's not what you asked but you might have good luck with another CC if a loan doesn't pan out. Good luck!

Re: Personal loans with fair credit

TheGardner — Wed, 03 Sep 2014 23:28:07 GMT

Have you tried Lending Club or Prosper?

Re: Personal loans with fair credit

tcbofade — Thu, 04 Sep 2014 01:02:50 GMT

Lending club and Prosper will deny with those scores.

A local credit union helped me to exactly this a few years ago. Got a local CU you can talk to?

Re: Personal loans with fair credit

Anonymous — Thu, 04 Sep 2014 02:13:54 GMT

@tcbofade wrote:

A local credit union helped me to exactly this a few years ago. Got a local CU you can talk to?

Said this in another thread. Same exact experience. CU helped me when no one else would.

Lending Club "prequalified" me for a loan at 30%, which was hilarious/useless since the APRs on all my cards were less than 20%. My CU gave me an unsecured loan that cut my interest almost in half.

Re: Personal loans with fair credit

RushXTC — Thu, 04 Sep 2014 03:11:47 GMT

@Anonymous wrote:
@tcbofade wrote:

A local credit union helped me to exactly this a few years ago. Got a local CU you can talk to?
Said this in another thread. Same exact experience. CU helped me when no one else would.

Lending Club "prequalified" me for a loan at 30%, which was hilarious/useless since the APRs on all my cards were less than 20%. My CU gave me an unsecured loan that cut my interest almost in half.

Which CU is that?

Re: Personal loans with fair credit

tcbofade — Thu, 04 Sep 2014 13:49:53 GMT

Community America Credit Union.

Don't know where OP lives, but a local CU might be able to help.

Re: Personal loans with fair credit

AwwwYeee — Thu, 04 Sep 2014 17:46:03 GMT

@tcbofade wrote:
Community America Credit Union.

Don't know where OP lives, but a local CU might be able to help.

Thanks guys! I'll try my local Credit Union.. I currently live in San Diego. Hopefully they can help out!

Re: Personal loans with fair credit

Anonymous — Fri, 05 Sep 2014 02:05:00 GMT

@RushXTC wrote:

Which CU is that?

Truliant. Depending on what company the OP works for, they may be able to join.