Could I get a $15,000 personal loan?

Anonymous · ‎09-05-2015

I'm 24

I work 2 jobs...

My credit report consist of:

4 baddies, 1 paid off, and the rest are all 2-3 years old and they are all under $200 medical bills.

Credit Card #1: the limit is only $300.00 I had it for 1 year, Through out my history with this card, I maxed out the card and paid off, then maxed it out again and paid it off now. Never been late! NEVER!

Credit Card #2 is a secured card in which I deposited $1000.00 on the card... never maxed out and has kept my balance at about 40% for the last two months. I had the card for about 5 months now. Never been LATE... never.

Car Loan: I have a $4,500 car loan for a piece of **bleep** car... but it gets the job done. I had the car loan for 4 months. Never missed a payment.

*NO lates*

Last I checked which was about 3 months ago... my credit was a 613. I know my score has jumped up since then.

Anyhow, in the next month or two... I'm looking to get a loan from prosper for about $10,000 - $15,000 for a business loan.

What is my chances?

Anonymous · ‎09-05-2015

Welcome to MyFico. You left out the most important part. How much do you make in terms of salary?

Anonymous · ‎09-05-2015

Oh yeah sorry... and thanks for the welcoming. I make about $2,100 a month... I make about $400 in my freelance business! But from my job... about $2,100

Anonymous · ‎09-05-2015

Unless your 613 score has taken a HUGE jump, you aren't going to get approved by Prosper. If you did somehow get approved, the APR would be sky high. On the other hand, it's a soft pull to find out so there's no harm in apping. Others that are also a soft pull are Payoff.com, Sofi.com, LendingClub.com, Avant.com, and PromiseFinancial.com.

Anonymous · ‎09-05-2015

@Anonymous wrote:
Oh yeah sorry... and thanks for the welcoming. I make about $2,100 a month... I make about $400 in my freelance business! But from my job... about $2,100

@I agree with @Anonymous.. Go to a credit union and see if you can get a loan through them. Prosper will not take you with that score. You do have a good income so try CUs.