private lender for personal loan? low credit score?

i am looking for a legit private lender for a personal loan. i pay all of my bills on time, i just have high credit card balances and a lot of inquiries so it dropped my score A LOT. i am very responsible and trustworthy, and am looking to consolodate debt and help pay for funeral costs for a close family member that just passed. i know there are a lot of scams, but anyone know of anything or could anyone help? i am willing to pay any interest rate. thanks so much.

Public Comments

1. check your bank, don't be willing to pay any interest rate as they will bend you over if you are.
2. There used to be a time when it was very difficult and perhaps even impossible to get a personal loan if one had bad credit. Many people think that still holds true today<!--but in today's information society and culture, bad credit does not need to hold you back from getting a personal loan, you just need to know where to look. http://best-loans.awardspace.com/personalloans.htm Most traditional banks and credit unions will still tend to turn up their nose at you if you are requesting a loan from them and they see that you have bad credit-->But what more and more lenders are starting to realize is that bad credit does not occur for the same reasons across the board.
3. Your credit history isn't all that important when it comes to lenders as long as you can prove that you are earning a good wage and being a first time borrower, you may only get offered around $1000 with most lenders which is pretty bad. Banks are never the best places to get loans unless you can provide up to five years worth of addresses and have had a regular income going into your account for a good while. Most lenders (Not Bank ones) are interested only in whether you have a regular full time job and/or if you have a home of your own or assets they can take in the event that you might die or fail to keep up with payments for any reason. This is why many loans are for home-owners rather than for tenants secured or unsecured loans. Many loan companies take on people with bad credit or no credit because they are going to make a profit from the interest rates they charge anyway and why the good/bad credit thing is so irrelevant when applying for a loan generally. Very few loan companies turn away poor credit score customers as long as they are working or own a home. ----------------------------------- http://www.loansandinsurances.com/