Need help finding a personal loan for people with bad credit!?

My husband and I both have bad credit. I am currently unemployed searching for a job and he is in the military. We need a small personal loan to pay our bills off. So far I have not been successful in gettin approved. Please help!

Public Comments

1. All you will find here are scams.
2. Make a budget and make payments you can afford. DON'T convert your unsecured debt into a 2nd mortgage secured on your home. It may be cheaper in interest charged but see all the people losing there homes now???
3. Hello I am a Certified Credit counselor and would like to try and help. If your objective is to pay bills off than more than likely it is the bills that are preventing you from getting a loan. Your debt to income ratio is probably not where it should be either. It could also be your credit. If you do have a credit problem and you get approved for a loan then the interest rate willl be extremely high try to avoid it. However you do have options. 1. Not pay the bills. This is obviously the worst option but it is an option. It comes down to prioritizing debt. You want to ensure that your house, utilities, and cars are paid before credit cards which are unsecured. The credit cards and other unsecured debt can not take your home or shut your lights off. They can eventually try to sue you however it takes time for that to happen. 2. Settle the accounts. This strategy's strengths are on the surface you do not pay the full balance, they settle for less, however it wil show on your credit report as settled account not paid as agreed. It will stay on your report for about 7 years. In addition the IRS can tax for what you saved. If you choose this option do not hire any one to do it for you the book "Credit Repair" has forms you can use. You do need lump sums. 3. You can use a debt management plan. If you choose this option look for a non profit organization like ours. You want a company that will help you look at all your options provide education and will not put you on a debt management program unless it is apporpriate. If however you need it can be a good tool. This is why: - Your payments are combined into one payments. - Harassment can stop - You pay the debt back sooner than you would on your own There are things that you want to be aware of: - I can have a negative impact on your credit report - Any accounts you put on the program will be closed however this accounts for only 15% of your FICO score - It reflects on your report as "monthly payment managed by credit counseling", it will stay there until the debt is paid. - After the debt is paid any signs your were on the program wil be removed. - You may not be able to get loans or credit cars while on the plan. You are protected under the debt protections act against phone calls. This act states they can only call between certain hours, they can not call your husband's command, place of employment or family and friend to try to collect the debt. You have the power to tell them to stop and if they do not than you can filie a complaint with the FTC and your state. Be careful. If you tell tehm to stop calling you at home or stop sending statements you do back them into a corner and they will be more likely to take you to court. With that in mind do not hesitate to stop them from calling work and family. Be aggressive about the calls. Calling you at home is one thing but calling elsewhere is not legal. These are just a few options out there. I hope this helped. If you have any other questions you can e-mail me. Also a few books you may want to look into is Money troubles and Credit Repair by NOLO. They are great resources.
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5. There are plenty of places that offer loans for people with bad credit with no-hassle applications and easy requirements. Some of these lenders even offer 1 minute approvals, and have both secured and unsecured loans, depending on your need and situation. Check the page listed below, it has information and bad credit lenders listed off and on. http://www.axalda.info/bad-credit-loans.html