suggestions for a debt consolidation loan - mid 600s FICO 8

[Anonymous]

Finally showing some progress in rebuilding my credit, but lastly need a $6000 debt consolidation loan. Any suggestions. No payday loans.

All 3 FICO 8 scores around 650.

One Main wants collateral. UPstart approved, then denied when I had 1 inquiry in last 30 days.

I would even consider a hard money loan to get past this last hurdle.

[Anonymous]

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@Anonymous wrote:

Finally showing some progress in rebuilding my credit, but lastly need a $6000 debt consolidation loan. Any suggestions. No payday loans.

All 3 FICO 8 scores around 650.

One Main wants collateral. UPstart approved, then denied when I had 1 inquiry in last 30 days.

I would even consider a hard money loan to get past this last hurdle.

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Are you doing this for 1 easy payment?  I would think that at 650, any loan offers will be a high APR that may be around what you are paying now.  Either way, I feel your best best would be a credit union.

[Anonymous]

Exactly. I need a stable monthly payment over a few years.I realize I wont get a great rate, but I need to get rid of these.These are a bunch of misc. high interest loans ( a few months left on the last payday loan). Moving expenses, etc.

I have had a PenFed account for years, before my credit problem. They usually need a 700. Anyone have any CU suggestions for a mid 600's score ?

[satio]

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@Anonymous wrote:

Exactly. I need a stable monthly payment over a few years.I realize I wont get a great rate, but I need to get rid of these.These are a bunch of misc. high interest loans ( a few months left on the last payday loan). Moving expenses, etc.

I have had a PenFed account for years, before my credit problem. They usually need a 700. Anyone have any CU suggestions for a mid 600's score ?

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Do you have anything that could be used as collateral, like a vehicle that is paid for and has a clear title?

[AzCreditGuy]

Have you tried Sofi? I had 4 inquires and 2 credit cards within the month they offered me a 12.5k personal loan, they seem to be better than most of the others out there I tried who denied me 

[difringe]

This is super late but I'm just seeing this...if you have a PenFed account and you apply for a personal loan, they will show you if you are pre-approved for a loan (giving you an amount and a rate).  If you haven't already gotten this resolved, check there first and see what they show you.