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Home > Money & Services > Other Money & Services   »   need to borrow money

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Old Jun 22, 2008, 09:35 AM
Qin
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need to borrow money
i am in need to borrow 5k, but with my credit being so bad i don't quality from any reputable finance companies. everytime i apply online, i get these people from canada/florida who are a bunch of crooks and i'm embarrassed to say that i did get taken for for $1200. anyway is there any reputable finance companies out there that anybody knows will take a chance in lending me this much money?

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Old Jun 22, 2008, 09:54 AM   #2  
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Originally Posted by Qin
i am in need to borrow 5k, but with my credit being so bad i don't quality from any reputable finance companies. everytime i apply online, i get these people from canada/florida who are a bunch of crooks and i'm embarrassed to say that i did get taken for for $1200. anyway is there any reputable finance companies out there that anybody knows will take a chance in lending me this much money?

It sounds like you've tried all the reputable companies and you've been denied - once you run out of reputable companies you run into scam artists.

Are you looking for a secured loan or an unsecured loan? Sometimes the company will take collateral which makes you less of a risk.
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Old Jun 22, 2008, 10:51 AM   #3  
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i'm lookin for an "unsecured" loan.
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Old Jun 22, 2008, 11:28 AM   #4  
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Originally Posted by Qin
i'm lookin for an "unsecured" loan.

Well, you've already said you have tried the reputable companies and they won't lend you money so as far as finding a reputable company, I think you've tried them all.

Problem with bad credit is people figure if you didn't pay the last guy (or two), you aren't going to pay them.
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Old Jun 22, 2008, 11:43 AM   #5  
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no, if you credit is bad enough no one is going to loan you money.
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Old Jun 27, 2008, 01:23 PM   #6  
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try Personal Loans at Great Rates! Get a Personal Loan Online at the P2P Lending Marketplace - Prosper it is not a scam but the interest rates of some of those loans are high.

I have some money invested in a few borrowers in that site, they are doing all right so far, I just picked the ones asking for a reasonable interest 12-15% some of the people asking for a loan in their desperation offer to pay 30 or even 40% APR thinking that lenders will get greedie and finance the loan right away, actually you stand a better chance if you make a reasonable offer. You might get part of your loand financed by me after all

They check the credit but even people with bad credit get financed if they sell it right


Carl.-
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Old Jun 27, 2008, 08:30 PM   #7  
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okay you think i should try prosper and offer a 15% rate for a $5k loan? if you're a part of that team, can i just request the loan from you?? (probably not ha).....okay i will apply with Prosper and see what happens. Thanks for your help.
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