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Will I qualify for $5,000 loan

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Will I qualify for $5,000 loan

I need $5,000 whether it's a loan or a credit card. I need jaw surgery like really bad, braces helped out but lower jaw surgery is needed to complete the ordeal. The procedure is $15,000, I picked up a second job and has managed to save up $10,000 in 2 years for the procedure I just need $5,000 more. I'm trying to have this surgery done by November so that I can be healed by next year cause I have plans. The oral surgeon does not offer in-house financing and does not accept care credit, they go through a lending company that requires perfect credit. 

 

My current credit

$400 limit Cap One Secured for 7 months - On time payments

Hutton Chase (reports to trans and equi) $1,500 limit, and on time payments for 3 months

Cap One (AUTHORIZED USER)- $11,000 limit (reports to all three) 2 yrs

Barclays (Authorized User) - $8,000 limit (Reports to all three) 1.5 yrs


Baddie:
Finger Hut Charge off from last year for $300.00 it doesn't report anymore because I paid them off but it's still on my credit, I've sent goodwill letters but they're not biting. 

 

My current score is 709 with equifax and 701 with Trans.

Any suggestions on who might approve me for $5,000? I just don't want to keep applying and adding more inquiries.

Message 1 of 10
9 REPLIES 9
Regular Contributor

Re: Will I qualify for $5,000 loan

You might check out Care Credit. They have introductory 0% APRs. If you dont get approved for the amount you need, you can always call and ask for additional.

Edit: Sorry I missed that you stated doc doesn't accept Care Credit.
Starting Score: Jan 2018 EX 598
Current Score: EX 682 TU 683 EQ 698
Goal Score: 700+


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Message 2 of 10
Valued Member

Re: Will I qualify for $5,000 loan

OP says doc doesn't take care credit.

Message 3 of 10
Frequent Contributor

Re: Will I qualify for $5,000 loan

Lending club has pre qualify check your rate. You can do that and see if you qualify without having to risk a hard pull. As long as your FICO scores are above 600 youll be approved. Can’t gurantee it’s a great rate but you’ll get it.
Message 4 of 10
Moderator

Re: Will I qualify for $5,000 loan

Hi @SpeedRacerTito1, I've removed/merged your duplicate thread.  Please refrain from cross-posting in the future, as it's confusing to follow and is against our guidelines here.

 

--UB

Message 5 of 10

Re: Will I qualify for $5,000 loan

My internet connection was messing up and I made a mistake and post twice by pushing "submit" too many times. 

Message 6 of 10

Re: Will I qualify for $5,000 loan

@debtguy3939 I'm going to look into them. THank you.


@debtguy3939 wrote:
Lending club has pre qualify check your rate. You can do that and see if you qualify without having to risk a hard pull. As long as your FICO scores are above 600 youll be approved. Can’t gurantee it’s a great rate but you’ll get it.

 

Message 7 of 10
Valued Contributor

Re: Will I qualify for $5,000 loan

Hi, SRT. Sorry about the sore jaw. 

 

It would be a good idea to know your FICO 08 scores before you app anywhere and for a $1 you can get them here. It looks like you're referencing CK scores which are not useful for this scenario. 

 

Update with your scores and you'll get some helpful suggestions. Good luck.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2019): FICO 08 EXP: 747; TU: 749; EQ: 747
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 8 of 10
Regular Contributor

Re: Will I qualify for $5,000 loan

Try to prequalify with Discover or BBVA Compass bank. I’d try Discover first. Good luck.
Message 9 of 10
Valued Member

Re: Will I qualify for $5,000 loan

    Well since your an authorized user with an $8K and $11K limit , then why not ask the primary account holder if you can charge $2.5K each from Barclays and Capital One and by doing this you don't even have to worry about new inquiries on your report ...


@SpeedRacerTito1 wrote:

I need $5,000 whether it's a loan or a credit card. I need jaw surgery like really bad, braces helped out but lower jaw surgery is needed to complete the ordeal. The procedure is $15,000, I picked up a second job and has managed to save up $10,000 in 2 years for the procedure I just need $5,000 more. I'm trying to have this surgery done by November so that I can be healed by next year cause I have plans. The oral surgeon does not offer in-house financing and does not accept care credit, they go through a lending company that requires perfect credit. 

 

My current credit

$400 limit Cap One Secured for 7 months - On time payments

Hutton Chase (reports to trans and equi) $1,500 limit, and on time payments for 3 months

Cap One (AUTHORIZED USER)- $11,000 limit (reports to all three) 2 yrs

Barclays (Authorized User) - $8,000 limit (Reports to all three) 1.5 yrs


Baddie:
Finger Hut Charge off from last year for $300.00 it doesn't report anymore because I paid them off but it's still on my credit, I've sent goodwill letters but they're not biting. 

 

My current score is 709 with equifax and 701 with Trans.

Any suggestions on who might approve me for $5,000? I just don't want to keep applying and adding more inquiries.


 

Message 10 of 10
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