topic Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN in Rebuilding Your Credit

ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

cazz — Fri, 28 Jun 2013 20:39:51 GMT

HEY JUST WONDERING IF ANYONE HAS EVER USED SPRINGLEAF FINANCIAL WHO HAS HAD CREDIT LIKE ME.. MY CURRENT SCORES ARE 669 (MY FICO) 613 (CK) BUT THEY ARE ALWAYS OFF.. AND I RECENTLY SIGNED UP FOR CREDIT SESAME (605) IM GUESSING THEY'RE OFF TOO.. BUT I NEED A PERSONAL LOAN OF $5000 FOR AN EMERGENCY SURGERY I NEED THAT INSURANCE WONT PAY FOR... ASKING FAMILY FOR A LOAN IS OUT OF THE QUESTION AND SO IS WORKING TWO JOBS AND EXTRA HOURS BECAUSE I JUST CANT DO IT LOL I NEED THE SURGERY IN AUGUST AND WILL HAVE THE MONEY TO PAY IT OFF IN SEPTEMBER.. i KNOW YOU'RE THINKING "WHY AM I NOT JUST WAITING UNTIL SEPTEMBER WHEN I KNOW I WILL HAVE THE MONEY" WELL ITS BECAUSE I NEED THIS SURGERY DONE RIGHT AWAY.. HAS ANYONE EVER USED SPRINGLEAF? AND DO YOU THINK THEY WILL APPROVE ME? I ALREADY KNOW ABOUT THE HIGH INTEREST BUT THAT DOESNT BOTHER ME BECAUSE IM PAYIN IT RIGHT OFF. IVE HEARD BAD THINGS ABOUT THEM BUT I THINK THEY ARE MY LAST RESORT... ANY SUGGESTIONS?????????????????

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

nativenyer — Fri, 28 Jun 2013 20:50:56 GMT

I don't know about Springleaf but why not try your bank? Ask the bank which CRA they pull for loan approval and instead of applying right then, bring in a copy of your report from that CRA and sit down with a loan officer. Ask them, after they've reviewed your report, if you would qualify for a personal loan. In this way you won't have an HP reporting on your credit report without qualifying. Your scores are not too bad so they may be willing to give you a loan. Are you with a traditional bank or a credit union? Credit unions are easier to deal with.

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

cazz — Fri, 28 Jun 2013 20:55:54 GMT

I BANK WITH CHASE AND I FIGURED THAT THEY ARE A LITTLE STRICT SO I DIDNT EVEN THINK OF APPLYING WITH THEM. I'VE NEVER BEEN APART OF A CREDIT UNION BUT I WILL TRY TO SIT DOWN WITH THE LOAN OFFICER AT CHASE AND SEE WHAT THEY THINK. THANKS

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

nativenyer — Fri, 28 Jun 2013 20:57:07 GMT

Let us know!

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

bfranklin825 — Fri, 28 Jun 2013 21:29:59 GMT

I would definitely try to join a credit union if I were you. Chase is proabably way too strict. CRs are far more lenient. I got a CC with a 15k limit from a CR when my score was around what yours is. I love credit unions.

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

cazz — Sat, 29 Jun 2013 16:45:24 GMT

how long were you with that credit union before you got the cc? I was going to try springleaf because I need the money within the next 2 weeks. If I join a credit union will they allow me to borrow right away or is there a waiting period?

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

justrock — Sat, 29 Jun 2013 19:13:49 GMT

There is also a company called carecredit that gives loans for medical procedures. You might try them. carecredit.com

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

cazz — Sat, 29 Jun 2013 19:40:42 GMT

thought about carecredit but the doctor doesnt accept financing.. so i would have to use a place that puts the money in my checking account or one that gives me the money.

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

bluescale — Sat, 29 Jun 2013 20:11:05 GMT

I used them back when they were American General Finance. Not a great deal, as the interest rates on personal loans are always high, but I needed the money immediately, and they have fairly relaxed credit standards. There are a lot of online complaints about American General Finance, but I didn't have any issues with them. I paid the loan back in a few months because the interest was so high.

I hope to never be in a position where I need a cash infusion like that again, but we all know that stuff happens.

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

cazz — Sat, 29 Jun 2013 22:58:44 GMT

Yeah I heard the interest was high but I just need a place that will approve me with my credit... I'm paying it back the very next month so thanks.. I think they might be one of my only options so I'll give them a try.. I'm actually trying to wait until my othe credit card reports on the July 4th because my utilization is really low so i was hoping for a score bump before I applied just in case lol...

If you dont mind me asking... how much were you approved for?

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

bfranklin825 — Sun, 30 Jun 2013 12:19:20 GMT

@cazz wrote:
how long were you with that credit union before you got the cc? I was going to try springleaf because I need the money within the next 2 weeks. If I join a credit union will they allow me to borrow right away or is there a waiting period?

I had to join the CU into order to get the CC. In other words, I wasn't a member until I applied for the card. I had to become a member in order for them to give me a card. They approved me while not a member with the stipulation that I become a member.

Re: ANYONE USED SPRINGLEAF?? NEED A PERSONAL LOAN

bluescale — Mon, 01 Jul 2013 00:44:04 GMT

I believe it was a $6k loan, but I don't quite remember. It's been a while.