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$1K-$10K Unsecured Bad Credit Signature Personal Loans in NYC (Bronx, Brooklyn, Queens, Manhattan)

Today we are in New York City and we are discussing four different unsecured loans which were applied for from four different boroughs, which includes a $1300 loan in Queens, a $4700 loan in the Bronx, a $7300 loan in Brooklyn, and a $9400 loan in Manhattan. All of these borrowers had bad credit ratings at the time of their applications and they all had FICO scores below 600. As you can surely imagine, we get a lot of applications coming through our websites from NYC. Actually, the vast majority of our loan applications online come from NYC, Houston Texas, Miami Florida, and the State of California.

The increment levels for the loans we collect in our database are all $500 (rounded up), but as you can see in these loan tables, these NYC applicants were finalized for unsecured loans that were not exactly in $500 increments. We thought we should publish the actual finalized amount of money they borrowed from the lenders in New York State.

I know there are plenty of people that go online looking for unsecured loans and have a hell of a time finding real, legitimate, and reputable lenders, who will lend money to people who have bad credit – but rest assured, there are plenty of unsecured loans to be had in the state of New York, and in this specific case, four of the main boroughs of NYC.

The APR levels on these loans do range (as usual), and in the first loan from Queens the APR requested was 6%, with the finalized APR of 8.4%. The loan in the Bronx was requested below 8% APR and finalized at 9.2% APR. The loan in Brooklyn was requested below 4% APR, and finalized at 12.1% APR. The loan in Manhattan was applied for at 7% APR and finalized at 10% APR.

The reason I have listed off all of the interest rates in this introduction is because you need to see the differences between the requested interest rates by the borrowers and the final interest rates approved by the lenders. The reason the APR levels are usually much higher than requested is because these are by-and-large unsecured personal loans, meaning there isn’t any collateral or security involved on the notes. You can safely say that we use the term “notes” loosely, because these are generally small consumer-based loans, and don’t always have a conventional bank involved anywhere down the line of lending.

We have not published any information in, and from, NYC in the past, so it’s also safe to say that we are long overdue in regards to such a major city – arguably the most active lending ground in all of the United States, and once again arguably, in the world. Of course, commercial lending would be the highest amount of movement in the sector, and we focus only on smaller consumer-based lending in the United States.

So without any further delay we would like to get going on our first loan from one of the NYC boroughs. Please keep in mind that we have listed off all of the most common lending amounts that the lenders have approved in the boroughs listed in the tables below, and we have chosen a very typical lending amount, and loan purpose for each borrower/lender transaction.

$1000-$1500 Unsecured Personal Signature Loan in NYC (Queens) 

Our first loan application for an unsecured note is in the Queens borough of NYC, and the lender that approved the loan services the areas of Queens, Elmont, Flushing, Garden City, and Rego Park. He branches out to other areas of New York State, but focuses mostly within the boundaries of NYC. This lender’s most recent loan applications and approvals were to people who have bad credit ratings and live in Hempstead, Oceanside, Bayside, Freeport, and Levittown.

Loan range on average for this lender is $1000-$3000, and they work on high volumes in order to maximize profits on a quarterly basis. This is why the interest rate was so reasonable at 8.4%. This borrower wanted to get an unsecured loan with an interest rate below 6%, and wasn’t able to get anything lower than the 8.4%.

Her FICO score was 525 at the time of borrowing, and the reason for her bad credit rating is due to some credit card bills she had neglected to make payments on. She has a Discover Card that currently has $3500 owing on it, a Visa card with $1800 owing on it, and an Exxon card with $650 owing on it. She also has rental responsibilities for her apartment in Queens which she shares with two other roommates. She doesn’t own a car (which is a good thing if you can get away with it), but the costs of everyday life in NYC are extremely high, as anybody who has lived in there can testify to.

This applicant has all of her bank accounts with the Dime Savings Bank at the corner of the Union Turnpike and Utopia Parkway right across the street from St. John’s University where she went to school for three years. Currently, she has full-time work over in Flushing, but has only been working for that employer for eight months. This short amount of employment time makes it difficult to get approved for an unsecured loan as well, and she had to provide a letter of intent (LOI) from her employer there. We purposely did not disclosedthe applicant’s employer, or what kind of business her employer runs in Flushing, NYC.

Since the Dime Savings Bank wouldn’t approve her, she did try to get approved elsewhere in her borough of Queens but there was nothing really available as far as conventional bank offers go. She tried applying for a small personal loan at the Municipal Credit Union in Jamaica, NYC, and was declined there. She also tried getting approved at the State Savings and Loan Association in Flushing NYC and was declined there as well. After that she tried getting approved at a Electchester FCU in Flushing as well, but was unfortunately not approved there either. As with all of our applicants, she eventually gave up on getting an unsecured loan with a bank in NYC, and went on the Internet to find a solution to her financial problems.

She needed this money to pay for the very basics of life, which was some overdue rent and some groceries. She had some really bad luck in that her apartment was broken into and ransacked, and she lost her computer which he needed for work and for school, and she had to replace that. After replacing her computer, she didn’t have enough money to pay the rent and buy food.

We are happy to say that she was approved for her $1300 loan, and the lender who approved the loan was paid back on time by this borrower.

Loan Data Loan Values
Loan Principal Increments (avg. in area) $1000, $1500, $2000, $2500, $3000
Loan Principal Finalized $1300
Loan Product Nomenclature Bad Credit Personal Loan (BCPL)
Loan Cost Per $100 n/a – 3 month term
Effective APR Request Below 6% APR
Finalized APR on Loan Agreement 8.4%
Total Interest Paid to Lender $18.20
Total Paid Back To Lender $1318.20
Monthly Installment Payment $433.38
Closing Payment $18.06
Loan Term/Period 3 month term
Applicant’s Area of Residence Queens, Elmont, Flushing, Garden City, Rego Park, Utopia
Main City Center of Loan Origin NYC
Neighbouring Areas Lenders Service Hempstead, Oceanside, Bayside, Freeport, Levittown
State New York
Classification of Lender Unsecured Personal Loan Provider - Signature/Personal
FICO Score 525

$4500-$5000 Unsecured Personal Signature Loan in NYC (Bronx)

Our next borrower in line borrowed $4760 over a six-month term. Similarly, like the applicant above in Queens, this applicant was not approved for the APR that he requested. He requested an unsecured loan with an 8% APR and he wanted to initially borrow $10,000. The finalized loan came to $4760 which is clearly because of his DTI (debt to income ratio).

This was a six month term, and an unsecured loan with the finalized APR of 9.2%, with the full amount paid back to the lender of $4887.70. The total interest on the loan was only $127.70, and the closing payment was $67. The installment payments on the six-month loan came to $803.46, which is manageable considering that the applicant makes over $6000 net income each month.

This applicant lives in the Bronx borough of NYC, and works a full-time job in a restaurant over in New Rochelle. He was approved by a lender for this unsecured loan within a two week period which is rather long compared with the other lending and borrowing negotiations we see through on our website. The lender in this case services areas and boroughs all over NYC, but generally has approved personal loans in the Bronx, Mount Vernon, New Rochelle, and Bridgeport.

The last four loans that this lender approved were to applicants/borrowers living in Yonkers, Eastchester, White Plains, and Greenwich. This lender has been giving out bad credit loans to consumers within the range of $3500 and $5500 for the last three years. At one time this lender was providing small business loans as well, and even dabbled in student loans, but they are now only providing unsecured loans to applicants who are fully employed and have poor credit scores. Their APR levels range between 9% and 18%, depending on the financial status of the borrower involved in the application.

The reason this loan was applied for was due to some back taxes that had to be paid to the IRS. This applicant had a small business partnership that went belly up not long before this transaction, and he thought he was done with the whole thing. Unfortunately, he got a letter from the IRS saying that he owed $3800 to the government in back taxes. He wanted to pay off the IRS and get them out of his hair, and at the same time get a repair done on his car. He travels a lot with his work, and his parents live over in New Jersey where he often goes on the weekends to visit family.

This loan was taken out just before Christmas and he was rather desperate because he wanted to make sure to buy some Christmas presents, and manage to get over to his family in Jersey.

As usual, this applicant tried to use his own bank branch which is the Bank of America, but he was declined for an unsecured loan. The BOA wanted to have some security on the note and he didn’t have any form of security to provide – no collateral whatsoever. His FICO score of 540 didn’t help matters much either, and ever since this loan he has been scrambling to clean up his credit score and clean up his financial house. Often borrowers who have FICO scores below 600 find it very difficult to get approved for any kind of financing at all.

Loan Data Loan Values
Loan Principal Increments (avg. in area) $3500, $4000, $4500, $5000, $5500
Loan Principal Finalized $4760
Loan Product Nomenclature Bad Credit Personal Loan (BCPL)
Loan Cost Per $100 n/a – 6 month term
Effective APR Requested Below 8% APR
Finalized APR on Loan Agreement 9.2%
Total Interest Paid to Lender $127.70
Total Paid Back To Lender $4887.70
Monthly Installment Payment $803.46
Closing Payment $66.94
Loan Term/Period 6 month term
Applicant’s Area of Residence Bronx, Mt. Vernon, New Rochelle, Bridgeport
Neighbouring Areas Lenders Service Yonkers, Eastchester, White Plains, Greenwich
Main City Center of Loan Origin NYC
State New York
Classification of Lender Unsecured Personal Loan Provider - Signature/Personal
FICO Score 540

$7000-$7500 Unsecured Personal Signature Loan in NYC (Brooklyn) 

This is our third loan application today, and it’s from Brooklyn, NYC. This borrower was initially requesting a loan for $5000, but ended up finding a willing lender who wrapped up all of her debts into one monthly payment of $840.33 over a nine month term. This was a debt consolidation loan, as so many of these unsecured loans are, and the borrower here was looking for an APR of around 4%. Of course, with this borrower’s FICO score of only 560, she wasn’t eligible for such a low interest rate. As you can see, the interest rate that she was approved for ended up being three times that of what she was requesting.

The lender in this unsecured loan does business all through NYC, and some of the recent loan approvals they funded were in Brooklyn, Flatbush, Glendale, Greenwood, Fresh Pond, Gowanus, Cypress Hills, and Crown Heights. All of these loans were approved recently in the above respective order. This lender has been providing unsecured loans for borrowers who have bad credit ratings for over five years now. At one time they used to be providing loans through the Prosper.com website exclusively, but now they do private lending through a variety of peer to peer lending websites.

Unsecured personal loans are the toughest loans to get approved for if you have a bad credit score, with no collateral, no cosigner, and a damaged Teletrack score (if you are trying to get a payday loan or cash advance – which we are not talking about today). Because of this, the interest rates bad credit borrowers end up paying are almost always much higher than what borrowers pay who have good credit ratings.

Seeing that this borrower was approved for a 12.1% interest rate over a nine month installment payment term, you can see in black and white how much your average bad credit loan will cost you in total interest paid to the lender. A 12% rate is actually not that bad in regards to bad credit lending if you consider that the average interest paid on credit cards is around 18%. As long as this borrower doing her debt consolidation understands that she has to change her spending habits, and find ways to earn more each month, she will come out of this fine, and she will be able to clean up her credit rating and raise her FICO score into a fair credit zone. We define a fair credit score being somewhere between 660 FICO to 690 FICO. If you are lucky enough to have a score over 700, you will likely never be declined for extra credit when you need it.

The reason this applicant from Brooklyn needed to get a debt consolidation note is because she had run up her credit cards to over $6000, and she had an outstanding AT&T bill of $850. This really isn’t a dire situation in regards to high interest personal debt, but she was smart to find a solution to her growing debt problem before it got completely out of hand. She doesn’t have any equity in real estate, and doesn’t have any new vehicles that she could use as a form of collateral, so she was simply looking for a cash loan with an interest rate lower than your typical credit card. This is an extremely typical loan request and approval, as so many millions of Americans are carrying allot of personal debt these days. Hopefully, with some new regulations at the State level in New York, and regulations at the federal level coming from Washington as per the Dodd/Frank bill, consumers like this one will have a better chance of avoiding predatory lenders, and getting their financial house in order.

So with a total of $7300 in principal on this note, and a 12.1% interest rate, the total paid back to the lender over the nine month term was $7667, with an $840 installment payment each month, with the closing fee of $105. The time it took to get this loan approved with an unconventional lender was six days in total.

This borrower did try to get approved with her bank branch at the Citibank on Flatbush Avenue, in Brooklyn. She also tried getting approved at the Capital One branch, the Bank of America on Ocean Avenue, the Astoria Federal Savings at Duryea Place, and Chase Bank.

It’s unfortunate that she kept trying to get approved for a loan at several different banks, as every one of those requests for credit was reported to the credit scoring agencies, such as TransUnion, Equifax, and Experian. We always encourage our readers and visitors to avoid making multiple loan applications with several different banks for this reason. Most often, if you can get approved for credit at your own branch, your odds of getting approved with a bank branch that you don’t have any accounts with is extremely slight.

Loan Data Loan Values
Loan Principal Increments (avg. in area) $6000, $6500, $7000, $7500, $8000
Loan Principal Finalized $7300
Loan Product Nomenclature Bad Credit Personal Loan (BCPL)
Loan Cost Per $100 n/a – 9 month term
Effective APR Requested Below 4% APR
Finalized APR on Loan Agreement 12.1%
Total Interest Paid to Lender $367.97
Total Paid Back To Lender $7667.97
Monthly Installment Payment $840.33
Closing Payment $105
Loan Term/Period 9 month term
Applicant’s Area of Residence Brooklyn, Flatbush, Cypress Hills, Crown Heights
Neighbouring Areas Lenders Service Fresh Pond, Glendale, Gowanus, Greenwood
Main City Center of Loan Origin NYC
State New York
Classification of Lender Unsecured Personal Loan Provider - Signature/Personal
FICO Score 560

$9000-$10,000 Unsecured Personal Signature Loan in NYC (Manhattan) 

Our fourth loan today from NYC, comes to us from the Upper West Side of Manhattan. This borrower is a young Wall-Street trader who is beginning to make some good coin each month, but because he had some medical problems costing him over $30,000 in uninsured funds, he was desperate to get a loan for $10,000. He also ended up using an unconventional lender instead of his bank branch. His bank of choice is the Sovereign Bank at 2275 Broadway, New York, NY.

He was smart enough not to apply for a loan with other banks such as Citibank, HSBC Bank, TD Bank, or Chase Manhattan. He knew that he was going to have to deal with this outstanding debt he had, in some fashion or some way, but borrowing money from friends or family, or his bank was out of the question.

This borrower lives in a very interesting place being that his apartment is in the Upper West Side right across the street from the American Museum of Natural History. This is a beautiful area of Manhattan, only one block from Central Park (The Lake) he doesn’t own the vehicle yet, except for an RV and a boat that he keeps at his parents place in Houston Texas, and outside of those debts, he doesn’t own any property yet either. This applicant is only 25 years old and has a very promising career ahead of him, and we are guessing that this loan he got will be the last dodgy financial situation he will ever be in. After all, he didn’t get in debt because of bad spending habits – it was purely out of his control, being that it was a medical problem, and if the insurance company was legit and honest, he wouldn’t have ever been in debt.

The actual loan amount was unusual as well in that it came down to a very specific number, and we don’t know why this was the case. All we know is that the total amount borrowed was $9375 over a one year term, with monthly installment payments of $812.28. This was a completely unsecured loan, based on the borrower’s employment and other criteria that the lender had to have satisfied before the note was provided.

The lender for this borrower services all areas of NYC (as all of the NYC lenders above do) and the last personal unsecured loans that this lender approved were to applicants living in Manhattan, Murray Hill, Harlem, Morrisania, Palisades Park, Long Island City, Melrose, and Belmont NYC. This lender has been doing business in NYC for over 10 years now, ever since the Internet started taking a bigger role in the small consumer lending industry. They have been providing unsecured loans for people with bad credit ratings for over six years. The first four years of his lending activity was in commercial lending.

This applicant had a FICO score of 585 at the time of this application, and we are going to presume that he is actively cleaning up his credit score, and taking the necessary steps to avoid another unsecured loan with an interest rate of 10%. He requested an APR of 7% on this note but was finalized at a 10% rate instead. If you are a frequent visitor to our website you will know that the finalized APR on unsecured personal loans is almost always higher than the APR requested by the applicants. As you can surely imagine, this makes perfect sense when you consider how difficult it is to get approved for loan when your credit score is severely damaged.

Loan Data Loan Values
Loan Principal Increments (avg. in area) $8500, $9000, $9500, $10000
Loan Principal Finalized $9375
Loan Product Nomenclature Bad Credit Personal Loan (BCPL)
Loan Cost Per $100 n/a – 12 month term
Effective APR Requested Below 7% APR
Finalized APR on Loan Agreement 10%
Total Interest Paid to Lender $507.72
Total Paid Back To Lender $9882.72
Monthly Installment Payment $812.28
Closing Payment $135.36
Loan Term/Period 1 year term
Applicant’s Area of Residence Manhattan, Long Island City, Melrose, Belmont
Neighbouring Areas Lenders Service Murray Hill, Harlem, Pallisades Park, Morrisania
Main City Center of Loan Origin NYC
State New York
Classification of Lender Unsecured Personal Loan Provider - Signature/Personal
FICO Score 585

This concludes this publication in regards to NYC lenders and borrowers who have poor credit ratings. We have tried to cover as much of NYC as possible. There were plenty of different applications and approvals to choose from when we were picking out loans to detail, because there were literally thousands of different loans to choose from. We had many loans coming from the SoHo district of New York and we had loans coming from Dyker Heights, Bergen Beach, Rockaway area, Haberman (Queens), Linden Hill, Chelsea, Chinatown, West Village, the Upper East Side, Midtown Center, Sutton Place, Hells Kitchen, East Harlem, Manhattanville, and the list goes on and on.

We will be stretching out past Yonkers and Greenwich to discuss some of the different loans approved throughout the full State of New York in the future. We have many thousands more to choose from throughout the entire State, including borrowers from Middletown, Newburgh, New Paltz, Woodstock, the Lake Carmel area, Poughkeepsie, Binghamton, Rochester, Syracuse, Buffalo, and even some loans over in the Hamptons (yes, rich people get up to their ears in debt too).

It will be interesting to see the comparisons of these loan applications once they are all published, and there will never be a shortage of examples to use for our documentation. The data we have gathered from the state of New York is like all of our data, in that we have protected all of the borrowers and lenders privacy throughout all the publications, and as requested, we have changed names (and sometimes locations) to protect all parties involved. You can see different unsecured loans from all areas of the United States, including NYC, and the rest of New York State, by doing a simple search using our search function at the top right sidebar of our website. You can also put your own pre-application form through so that lenders can view your request. Simply follow the instructions on how to make that request known to our database of lenders who use our website. We hope you have a great day.

68 Loan Requests

  1. Marni applied for the following loan:

    Purpose of Loan:

    I need to pay for some medication that isn’t covered by my insurance company – this is an emergency loan. I need the other money to pay of some credit cards. Getting calls from collection agencies now.

    My boyfriend got a loan through this is site last month, and was approved for $2500 in 3 days. I’m hoping you can approved mine even faster please. Thanks!

    Marni

    Monday, December 12, 2011 at 4:49 pm | Permalink
  2. raheem applied for the following loan:

    Purpose of Loan:

    I need the loan to pay for personal emergency and would be able to pay back in timely manner as soon as needed

    Tuesday, January 24, 2012 at 3:18 am | Permalink
  3. nicky applied for the following loan:

    Purpose of Loan:

    Had heart attach and accummulated medical bills. Can pay back as installments. I am paid every 2 weeks.

    Monday, February 6, 2012 at 8:52 am | Permalink
  4. Mohit applied for the following loan:

    Purpose of Loan:

    debit release and medical expenses for baby birth

    Thursday, March 8, 2012 at 11:09 am | Permalink
  5. TC applied for the following loan:

    Purpose of Loan:

    Mother selling business/building in Brooklyn, NYC Building Dept. stated on Monday that she has 8000 in violations for not having boiler inspected since 92. Boiler past inspection 2011 and 2012. Closing is set for May 14, 2012. No money from relatives due to cost of repairs to building to get buyer. Now that we have a closing date NYC states bank will not close without violations being paid and in computer before the 14th. Money will be paid back after closing.

    Tuesday, May 1, 2012 at 5:08 pm | Permalink
  6. lucy applied for the following loan:

    Purpose of Loan:

    i am behind on my student loans and bills. i do not have any money to put down to secure a loan. i would like to pay everything off and just make one payment per month.

    Monday, May 7, 2012 at 9:22 am | Permalink
  7. Andrew applied for the following loan:

    Purpose of Loan:

    Pay off some debt and do some work around the house.

    Tuesday, May 8, 2012 at 6:37 pm | Permalink
  8. jeffrey applied for the following loan:

    Purpose of Loan:

    pay some bills off and get the car i have fixed its my only transportation to work and just got a little over my head with bills. i have nothing to put up for a secured loan and looking for a low monthly payment plan not a short turm loan because i dont make much.

    Sunday, May 27, 2012 at 4:27 pm | Permalink
  9. Alfred applied for the following loan:

    Purpose of Loan:

    Daughter’s wedding in July
    Misc. bills.

    Monday, June 11, 2012 at 11:27 am | Permalink
  10. Dayvon applied for the following loan:

    Purpose of Loan:

    I have recently been laid off from my job. I am rapidly falling into debt trying to help out my ailing grandmother. Only need loan to hold us over till my settlement payday in november.

    Monday, July 2, 2012 at 11:53 pm | Permalink
  11. Kathy applied for the following loan:

    Purpose of Loan:

    I need to pay my rent and my kids private education. I go laid off from a job and i did find another one but its part time. I am behind on my rent

    Monday, July 9, 2012 at 3:07 pm | Permalink
  12. Kathy applied for the following loan:

    Purpose of Loan:

    I am a single mother of two young children I am behind my rent and I am in the verge of bieng evicted please help me!!!

    Monday, July 9, 2012 at 3:10 pm | Permalink
  13. Crystal applied for the following loan:

    Purpose of Loan:

    Hello, I have medical expenses to be paid off , and I’m behind on rent. Can pay back biweekly. I need help . I’m too deep in debt and I want out please.

    Monday, July 30, 2012 at 1:43 pm | Permalink
  14. Barbara applied for the following loan:

    Purpose of Loan:

    Pay off some small bills, and get my car serviced along with a set of new tires. Loking for unsecured loan with low monthly payments to ensure that I will not fall behind. Not a short term loan, please.

    Tuesday, August 7, 2012 at 7:05 pm | Permalink
  15. Bobbie applied for the following loan:

    Purpose of Loan:

    My contract ended with my job so I was unemployed for several months. My mother is in stage 4 cancer and my father was on the waiting list for his second transplant. I went to NC to take care of them and uses the rest of my saving. I currently took a job that pays way less than what I was making and now my father just received his second transplant and I can not go back to NC because I have so many bills and can’t afford a plane ticket and rent a car. I need &10,000 to get me back on track with bills from when I was unemployed and go see my parents this week.

    Tuesday, August 7, 2012 at 9:14 pm | Permalink
  16. ronald applied for the following loan:

    Purpose of Loan:

    to assit with family emergency

    Friday, August 10, 2012 at 8:55 am | Permalink
  17. ronald applied for the following loan:

    Purpose of Loan:

    family emergency

    Friday, August 10, 2012 at 8:58 am | Permalink
  18. Brandon applied for the following loan:

    Purpose of Loan:

    I need a loan to buy a new car so I can take care of my son a I am a single father

    Sunday, August 12, 2012 at 9:08 pm | Permalink
  19. Kyle applied for the following loan:

    Purpose of Loan:

    I am trying to purchase a Semi truck and start my own business so I can make much more money!

    Wednesday, August 15, 2012 at 6:43 am | Permalink
  20. Subely applied for the following loan:

    Purpose of Loan:

    I am in desperate need of $3400 to be able to start classes this week. I can make payments biweekly but I just don’t have any funds saved for such an expense at the moment and unfortunately my school will not allow anyone to register for classes until balance is paid.

    Monday, September 10, 2012 at 10:26 am | Permalink
  21. Erica applied for the following loan:

    Purpose of Loan:

    Need to consoldate some bills, to ease the cash flow for winter.

    Thursday, September 20, 2012 at 7:39 am | Permalink
  22. Erica applied for the following loan:

    Purpose of Loan:

    Consoldate some bills

    Thursday, September 20, 2012 at 7:40 am | Permalink
  23. joseph applied for the following loan:

    Purpose of Loan:

    i am needing the loan for several reasons
    one is for my daughters medical
    another is to pay my car loan off
    and another is to have a down payment on a home

    Thursday, September 20, 2012 at 12:20 pm | Permalink
  24. cat applied for the following loan:

    Purpose of Loan:

    Divorce this past year has left me with a poor credit score. I enrolled approximately $5,000 of credit card debt into a consolidation program which has hurt my score despite making ALL my monthly payments.
    I would like to pay these off, pay off approximately $1,500 of legal fees from the divorce and pay approximately $1,500 in payday loans which were a HUGE mistake on my part. I’m not behind on any of them but the three high interest payments are killing me.

    I am happy to pay a high interest rate to a lender but need terms of 36 months (3 years). I would be happy to pay interest so that the lender profits up to $4,000 on my $8,000 loan. $12,000 over 36 months would be payments of $334.00 per month which i am very comfortable with and this would take a huge burden away from the legal fees and very stupid payday loans that I have.

    Thank you so much for your time and consideration.

    Friday, September 28, 2012 at 10:21 am | Permalink
  25. Tee applied for the following loan:

    Purpose of Loan:

    Need to move from NC back to NYC. Due to medical reasons. Made mistakes in the past that caused deliquents, need to pay off medical bills and for moving expenses to NY.

    Saturday, September 29, 2012 at 5:05 pm | Permalink
  26. Jackie applied for the following loan:

    Purpose of Loan:

    My car died and need the money for a down payment as well as to pay off some medical bills.

    Tuesday, October 2, 2012 at 6:08 am | Permalink
  27. Marie applied for the following loan:

    Purpose of Loan:

    I am a single mom. My child’s support ended when he turned 21. He’s mentally disabled- can’t finish school, on medication, and very scared of finding a job. He was not approved for social security. I have made bad money decisions in the past which ended in bankruptcy few years ago. Now,I have 1 week to pay $3000 so we can stay in our apartment or we will be evicted. My car is almost 3 mos behind. I initially cosigned this with a family member but they decided not to finish the loan. I owe money here and there, got stuck with payday loans so I can just make ends meet. Sometimes we dont have money just to buy groceries. i just want to pay 1 bill monthly instead of getting deducted every payday. i was praying and hoping that someone will give me a chance to start over. Please help!

    Thursday, October 4, 2012 at 9:34 pm | Permalink
  28. Henry applied for the following loan:

    Purpose of Loan:

    I would like to consolidate some bills

    Friday, October 5, 2012 at 10:37 am | Permalink
  29. Kevin applied for the following loan:

    Purpose of Loan:

    Due to being laid off for quite some time, I need to catch up on some bills. Paying them all off would really help.

    Friday, October 5, 2012 at 7:33 pm | Permalink
  30. juan medina applied for the following loan:

    Purpose of Loan:

    family emergency in the dominican republican

    Thursday, October 25, 2012 at 4:40 pm | Permalink
  31. Yudelka applied for the following loan:

    Purpose of Loan:

    Family emergency in the Dominican Republic.

    Thursday, October 25, 2012 at 4:41 pm | Permalink
  32. Chue applied for the following loan:

    Purpose of Loan:

    Need to get rid of depts and help with a new car for this up coming winter.

    Tuesday, November 6, 2012 at 4:41 pm | Permalink
  33. Liz applied for the following loan:

    Purpose of Loan:

    I’m going to lose my apartment if I don’t pay the back rent from the lost work and unexpected and uninsured medical expenses ASAP. Please help me avoid eviction.

    Friday, November 9, 2012 at 12:44 pm | Permalink
  34. Ameera applied for the following loan:

    Purpose of Loan:

    Getting evicted in a week this is my last resort had a medical emergency come up so the rent got backed up Please Help

    Thanks

    Tuesday, November 20, 2012 at 8:37 pm | Permalink
  35. Michael applied for the following loan:

    Purpose of Loan:

    foreclosed home purchase and repair, relocation and new vehicle purchase for the move

    Tuesday, November 20, 2012 at 8:49 pm | Permalink
  36. Crystal applied for the following loan:

    Purpose of Loan:

    I owe a ton of people money, and I don’t make much. But if I can pay the people I owe off, then I can afford to pay on this loan once a month until it’s paid off. No worries. I have tried everything else and only dug the hole deeper. PLEASE HELP!

    Monday, November 26, 2012 at 7:31 pm | Permalink
  37. RASHAD applied for the following loan:

    Purpose of Loan:

    MY MOTHER JUST DIED AND I CANT AFFORD TO PAY THE NOTE ON HER HOUSE I WAS LIVIN WITH HER TO TAKE CARE OF HER AND HE CHECK WAS HELPIN ME WITH THE BILLS SO NOW IM LIVIN IN MY CAR TILL I CAN COM UP WITH THE MONEY TO GET THIS APPRMENT AND FINISH PAYIN ON MY TATTOO SHOP THAT IM ABOUT TO OPEN!

    Thursday, November 29, 2012 at 2:09 pm | Permalink
  38. Katie applied for the following loan:

    Purpose of Loan:

    I lost my medical insurance and need to pay for bills and medicine.

    Thursday, November 29, 2012 at 6:32 pm | Permalink
  39. Michael applied for the following loan:

    Purpose of Loan:

    I have several bills due, Christmas needs,continuing my home repairs needing more supplies, heating season came, just all bad timing. My annual income with bonuses will allow me to repay the loan. Ideally I would prefer 24-36 month repayment terms.

    Saturday, December 1, 2012 at 7:40 pm | Permalink
  40. chanda applied for the following loan:

    Purpose of Loan:

    Pay bills off get back on track

    Tuesday, December 4, 2012 at 12:02 pm | Permalink
  41. Linda applied for the following loan:

    Purpose of Loan:

    pay off bills

    Sunday, December 9, 2012 at 11:26 am | Permalink
  42. Rodtravus applied for the following loan:

    Purpose of Loan:

    Rent behind eviction 12/17/12

    Saturday, December 15, 2012 at 9:05 am | Permalink
  43. Crystal applied for the following loan:

    Purpose of Loan:

    Need loan to pay rent dept.

    Saturday, December 15, 2012 at 5:46 pm | Permalink
  44. Troy applied for the following loan:

    Purpose of Loan:

    I take care of my niece who has a terminal illness that I won’t speak anymore about. I have acquired a severe amount of medical bills and need to put a big dent in them so I can then make smaller payments on them over time. I owe about $30,000 in medical bills and have most of that amount set on a monthly payment but some of her medications and other procedures that have been done need to be paid in full ASAP. Thank you for your time

    Sunday, December 16, 2012 at 11:37 am | Permalink
  45. Ollie applied for the following loan:

    Purpose of Loan:

    I am trying to just get caught up on some bills so that I can approach the new year as a new year. God Bless

    Wednesday, December 19, 2012 at 11:06 am | Permalink
  46. LORENA applied for the following loan:

    Purpose of Loan:

    My husband and I were married shortly before he left for his business trip. We weren’t able to get me access to his accounts before he left. I get a $3,000 monthly allowance but the funds aren’t deposited into my account—the funds are put into a locked box for easy access. The monthly allowance has been non-existent since he left. I ran into medical issues while he has been gone, as well as his daughter. Unfortunately, I have had to help pay for her medical bills as well as mine that aren’t covered by insurance. Then on top of that, I ran into some personal financial issues resulting from the medical problems that resulted in nearly being evicted from my apartment; as well as having my phone and utilities shut off. My father, who is cosigner on my apartment lease, had to dip into his savings and credit card to keep me from losing my apartment and restoring my utilities. If you can please help, I would greatly appreciate it. We will have this loan paid back as soon as my husband returns within the next few weeks.

    Thursday, December 20, 2012 at 11:20 pm | Permalink
  47. LORELLE applied for the following loan:

    Purpose of Loan:

    I will be paying off accounts that are behind and a personal loan that is current. My credit is very poor due to my getting scammed and I haven’t been able to catch up. I am a single Mother of two so this was a major blow to my finances and my credit. I moved back in with my parents to try and fix things on my own, but I need a large sum of money to really make a difference.I have a student loan payment, no car payment and I don’t have to pay for rent or utilities. This is the max amount I would need to pay off everything. I would be glad to take a smaller amount and pay off whatever I could. Thank you for your time and consideration.

    Thursday, January 3, 2013 at 8:40 am | Permalink
  48. Ally applied for the following loan:

    Purpose of Loan:

    My roommate ditched me, I didnt have anywhere to go so ive been staying in my apartment and the rent has been piling up, i need to pay that off and get a new apartment ASAP. pleasee help me. I can pay a certain amount a month.

    Wednesday, January 16, 2013 at 3:48 am | Permalink
  49. Lisa applied for the following loan:

    Purpose of Loan:

    I am now a single divorced mother of 4 children, two of which are disable. I too am disable, I had my Idenity stolen in 2009 it’s on going from Bank Of America it was a Federal offense because my accounts where disability accounts. Myself and my children’s accounts were hit hard. It is very hard to come back from such a hit they took everything we had in all the accounts, I was working then. The person left me with nothing! I would like a chance for a installment loan of 3-4 years to get caught up on the medical bills not covered due to no health insurance. My elctrice bill and other bills which took a hit while trying to keep my kids healthy.
    Thank you Lisa

    Thursday, January 17, 2013 at 2:35 pm | Permalink
  50. Vickie applied for the following loan:

    Purpose of Loan:

    I am buried in debt with pay day loans, credit cards, etc. I would rather have a loan to pay off all my creditors and then only have to worry about making one monthly payment to pay off the loan. All these creditors that I owe money to is an extreme burden for me.

    Saturday, January 26, 2013 at 2:24 pm | Permalink
  51. Jeremy applied for the following loan:

    Purpose of Loan:

    The exact reason for this loan is to payoff back bills and be able to keep my company. I can provide numbers and proof of the company financial records. HELP IS NEEDED ASAP PLEASE. the reason I even started my business back up was so I could regain shared custody of my 2kids I’m willing to pay high interest rates on a monthly basis that I can afford. THIS IS OF THE UTMOST IMPORTANCE… Thank you for your time and consideration.

    Wednesday, February 6, 2013 at 5:52 pm | Permalink
  52. Annette applied for the following loan:

    Purpose of Loan:

    My exhusband was court ordered to pay a collection agency bill that he accured while we were seperated but not divorced yet and he didn’t pay it so they have a judgement against me now. He also took out several payday loans in my name and now I have to try to pay those back too. I nedd the money to get a better car so I can go back to school to try to get a better job and pay all these bills back so I can take care of my kids the way they deserve.

    Friday, February 8, 2013 at 10:12 pm | Permalink
  53. Annette applied for the following loan:

    Purpose of Loan:

    My exhusband was court ordered to pay a collection agency bill that he accured while we were seperated but not divorced yet and he didn’t pay it so they have a judgement against me now. He also took out several payday loans in my name and now I have to try to pay those back too. I nedd the money to get a better car so I can go back to school to try to get a better job and pay all these bills back so I can take care of my kids the way they deserve.

    Friday, February 8, 2013 at 10:17 pm | Permalink
  54. Dave applied for the following loan:

    Purpose of Loan:

    Pay off payday loans and become current on mortgage on home and other bills.

    Wednesday, February 13, 2013 at 11:53 am | Permalink
  55. Abby applied for the following loan:

    Purpose of Loan:

    We lost everything in hurricane sandy. We have been living on people’s couches for the past few months because of bills an we were not able to work for a few weeks. We tried to get an apartment but the premises were not as promised in the lease when we viewed (I.e. feces all over the bathroom) and they will not return the money. Waiting on a lawsuit. We also have a 7 month daughter with expenses. We can not stay at friends or family anymore and need immediate payment for a credit card and a new apartment.

    Sunday, February 17, 2013 at 9:27 am | Permalink
  56. Christina applied for the following loan:

    Purpose of Loan:

    Reestablishing credit and some bills have surfaced that hss to be fixed so I dont further interrupt my progress of cleaning my credit.

    Thursday, February 21, 2013 at 9:36 am | Permalink
  57. Shonie applied for the following loan:

    Purpose of Loan:

    I need to pay down on credit cards, pay off all small debt, finish 2 bedroom basement project so can add more income by renting rooms out to tenants waiting to move in. Tenants move in date is within month of April.

    Tuesday, March 19, 2013 at 12:51 pm | Permalink
  58. Pat applied for the following loan:

    Purpose of Loan:

    We have lost our home over a year ago due to many hardships, medical bills, caring for sick parent in California, etc. We also purchased a used car during the gas crisis a few years ago to help save money for my long job commute and lost eventually lost that through a volunteer return of the vehicle because of finding it difficult to afford at the time with our home, medical bills and family needs. Since then, I have changed jobs to a closer location reducing the need for high gas costs.
    We are attempting to pay as many medical bills as we can and want to buy another home after we restore our credit.
    Our plan is to purchase a used fifth wheel (RV) and do year round campground hosting, which is a possibility for us. This would eliminate the $900.00 monthly rent we presently pay. We then would be able to make larger payments and pay out the RV and then be able to pay out our other bills too eventually. Ultimately, we hope to buy another home after everything is paid.
    Our problem is obvious, we are unable to get a loan due to our credit. Can you recommend a reputable company that may be willing to work with us to help us secure the loan we need?
    Hope to hear from you soon.

    Thursday, March 21, 2013 at 5:44 am | Permalink
  59. LORENA applied for the following loan:

    Purpose of Loan:

    Husband is out of town on business. I was receiving a $3000 monthly maintenance income before he left, but the income became non-existent when his business trip ran into a bunch of issues. I’ve had mounting medical bills due to being off work and I recently moved to be closer to my office. I return to work on April 1 and my husband will be returning as soon as the project is completed. My husband will pay back the loan as soon as he returns.

    Wednesday, March 27, 2013 at 8:33 pm | Permalink
  60. Nicki applied for the following loan:

    Purpose of Loan:

    I am a CERTIFIED MEDICAL ASSISTANT with 8+ yrs experience. I worked for those 8 yrs in my profession but I got laid off & shortly after I found out I was pregnant. During my pregnancy I tried seeking employment in my early stage but that was not a success. My baby is now 11 months old & I have been seeking employment but not having much luck. It’s very depressing & stressful because I am a single mother & I am down to nothing now. I have exhausted all my savings. My Unemployment also recently exhausted. I am struggling to make ends meet. My daughter is about to be 1 year old in less than a month. When I had her I moved in with my mother whom helped sooooo much. She is struggling also and even though she doesn’t complain I can’t continue to depend on her. I am DESPERATELY seeking this loan so I can start a new fresh life for my daughter & I. I need this loan to get us a place to live & to pay my bills that are accumulating by the day. I’m tired of crying & wondering which direction I’m going to go. This is for my baby. I need to protect her well being. Please help me. I will be so grateful. I just need this to make a start. Thank You in advance.

    Wednesday, April 17, 2013 at 11:28 am | Permalink
  61. Oskar applied for the following loan:

    Purpose of Loan:

    To fix my credit and finally get my own apartment!

    Thursday, April 18, 2013 at 6:29 pm | Permalink
  62. Rose applied for the following loan:

    Purpose of Loan:

    Severe financial hardship. Need money to pay several outstanding and overdue bills.

    Monday, April 29, 2013 at 8:15 am | Permalink
  63. tanis applied for the following loan:

    Purpose of Loan:

    back rent gave 900.00 need 500.00 more to be caugt up electric bill 373.00 make 10 to much to qualify for energy asst im a diabetic but force to eat a McDonald not great for my health but I have to eat ti take insulin four times a day please please God know I am begging for your help ill sign what it is for me to sign and I will pay you back every dollar thank you help please

    Tuesday, May 28, 2013 at 8:40 pm | Permalink
  64. tee applied for the following loan:

    Purpose of Loan:

    Want to pay off everything i owe to increase my credit score

    Wednesday, July 10, 2013 at 11:12 am | Permalink
  65. George applied for the following loan:

    Purpose of Loan:

    To clear up expenses and to pay off car loan.

    Friday, July 12, 2013 at 11:23 am | Permalink
  66. Michelle applied for the following loan:

    Purpose of Loan:

    The reason is i have medical bills and parking tickets to b payed by the end of the week if not i might b going to jail.

    Sunday, August 11, 2013 at 6:46 am | Permalink
  67. Adrien applied for the following loan:

    Purpose of Loan:

    To pay off some bills and consolidate debt. Just an honest hard working guy that wants to start a better financial life.

    Wednesday, August 21, 2013 at 7:57 am | Permalink
  68. Dwayne applied for the following loan:

    Purpose of Loan:

    Vacation

    Friday, August 23, 2013 at 10:14 am | Permalink