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Hello all, I wanted to apply for a personal loan because I have none in my credit report, I only have credit cards thats it, so my question is where/what company will provide a loan even when you are not currently working. Its only my husband is working and have great income.. My score were great 728 the highest but I couldnt get approve for Lending club and prosper. So any help be greatly appreciated. Thanks!
@lisat009 wrote:Hello all, I wanted to apply for a personal loan because I have none in my credit report, I only have credit cards thats it, so my question is where/what company will provide a loan even when you are not currently working. Its only my husband is working and have great income.. My score were great 728 the highest but I couldnt get approve for Lending club and prosper. So any help be greatly appreciated. Thanks!
I would check out a few local CUs or National ones as well like DCU, NASA, NFCU, SDFCU and I would use joint tax returns to prove income, income these days with a few exceptions is "what you reasonable expect to be able to get your hands on".
Do I need to be a member for DCU, NASA?? are they SP or HP?
you have to be a member of ANY credit union for any of them to talk to you. but you can join most for a small donation or belong to an organization that works with them. I'm sure there is a local CU where you live...correct?






























@lisat009 wrote:Hello all, I wanted to apply for a personal loan because I have none in my credit report, I only have credit cards thats it, so my question is where/what company will provide a loan even when you are not currently working. Its only my husband is working and have great income.. My score were great 728 the highest but I couldnt get approve for Lending club and prosper. So any help be greatly appreciated. Thanks!
Why did lending club and prosper deny you? just income verification?
Do you need a loan or you just looking for credit mix? because you absolutely don't need to get it for credit mix if you have no other purpose for it.