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Loan for a home maker

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lisat009
Valued Member

Loan for a home maker

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!

FICO : EQ: 706 // EX: 728 // TU:720 GOAL: 750.
Citi DP: 2000 // Citi DC: 2000 // Slate: 5000 // Freedom: 3500 // Amex ED: 6000 // Paypal 1000 // Discover: 500 // Walmart: 600 // VS: 750 // Jcrew: 1500 // Express: 250
Message 1 of 5
4 REPLIES 4
gdale6
Moderator Emeritus

Re: Loan for a home maker


@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".

Message 2 of 5
lisat009
Valued Member

Re: Loan for a home maker

Do I need to be a member for DCU, NASA?? are they SP or HP?

FICO : EQ: 706 // EX: 728 // TU:720 GOAL: 750.
Citi DP: 2000 // Citi DC: 2000 // Slate: 5000 // Freedom: 3500 // Amex ED: 6000 // Paypal 1000 // Discover: 500 // Walmart: 600 // VS: 750 // Jcrew: 1500 // Express: 250
Message 3 of 5
1GaDawg85
Valued Contributor

Re: Loan for a home maker

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?


FICO 5 ,4, 2 - 10/2023                            FICO 8 - 10/2023                                   FICO 9 - 10/2023                                   FICO 10 - 10/2023
     
Message 4 of 5
Creditaddict
Legendary Contributor

Re: Loan for a home maker


@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.

Message 5 of 5
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