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$1K-$10K Unsecured Personal Signature Loans – Bad Credit in Philadelphia, Pa

For the state of Pennsylvania we will start with borrowers requesting unsecured personal loans between $1000 and $10,000 (in Philadelphia). Of course, it only makes sense that we would cover this largest PA city first. We have four different loans to discuss in this publication. One for $3000, one for $5000, one for $7000, and one for $10,000, respectively.

Due to the fact that we are talking about the approval of purely 100% unsecured personal loans, with absolutely no collateral or security on the note, the APR levels reflect the risk that the lenders are taking.

The $3000 loan was finalized at an APR of 25%, while the $5000 loan was finalized at a 33% APR, the $7000 loan finalized at an APR of 22%, and finally, the $10,000 loan was approved at an interest rate of 43%.

Recently we looked at what banks are doing in the unsecured lending sector (of lending products), and most big banks are now (at the time of this writing) only funding and approving about 1% to 3% in unsecured products, as compared with what they used to lend out in unsecured funds. Before the market crash of 2008/2009 there were many lenders and banks (and credit unions) that were providing unsecured funding for customers in excess of 25% of their business models. This is a dramatic pullback by personal banking establishments, and has left millions of Americans scrambling to try and find some source of unsecured cash.

The reason conventional banks have moved away from the unsecured lending market is because they no longer want to take on the risk, regardless of the high premiums and interest rates they charge on their products. Why – because they were seeing some high percentages in the charge-offs and defaults.

This has left a wide swath of opportunity for payday loan providers and cash advance companies, and they have certainly taken advantage of this. Many different borrowers are now trying to find unsecured loans with peer to peer websites, and private lending institutions still willing to provide high risk loans to consumers who need/want debt consolidation, an rv loan, boat loan, home loan, student loan, and all-purpose loans. Of course, these high risk lending entities charge higher and higher interest rates as time goes on because they know they don’t have any competition from the major banks and lending houses. This puts many consumers at a disadvantage, in that they can’t really find low interest deals anymore.

Some of the lenders (that we allow access to our database) do provide loans with reasonable interest rates, but there are still some that only offer interest rates exceeding 25% APR. This is why we encourage applicants to not just except any loan offer they are proffered, and to shop around for the lowest interest rates possible – otherwise they just end up furthering their bad high interest debt into the future, which can lead to personal bankruptcy and a temporary financial ruin. The key word here is temporary, and that has to be kept in mind if you are in financial trouble. We always tell applicants who have poor credit ratings to remember that their financial situation is just a temporary state, and with time, patience, and a plan, they can navigate their way out of the nightmare of a bad credit rating and personal financial insolvency.

We try to publish information about those borrowers that find low interest solutions to their financial shortfalls, so that we can encourage people to shop around online and at the local level until they find a willing lender who will give them an unsecured loan.

However, it would be disingenuous if we didn’t publish some of the loans we see approved every month that do actually carry stiff APR, reaching heights of 50%. In some cases, applicants need to borrow money on a short-term basis for only a few weeks or a few months. They are willing to accept high interest rates on their loan product(s), because they are going to be seeing a windfall of cash come their way from some other source in the very near future.

You see many small business owners in this category who are gambling on the hope that they will be earning a substantial amount of money per month in the very near future, enabling them to pay down their high interest debt quickly, and without issue.

Of course, you never want to take out an extremely high APR loan for longer than one year, and you certainly don’t want to take out a high APR loan when there is no chance of paying it off quickly. These are often called hard money loans, but that lending product has been distorted by definition in the last decade due to the new lending nomenclatures we see being created on the Internet. Traditionally, hard money loans are loans that real estate speculators and developers seek out to find a new development or property purchase that they can leverage (or flip) within a matter of months.

We strongly encourage our visitors not to borrow money at these high interest rate levels unless they know for a fact that they will have a windfall of income coming their way during the next year.

With all of this in mind, below are four different loans - applied for, and approved, that carry extremely high interest rates, and they all originate out of Philadelphia, PA.

$2500-$3000 Unsecured Personal Bad Credit Signature Loan in Northeast Philadelphia, PA

Our first high interest loan is an unsecured loan for $3000 over a short term of three months. This borrower requested cash to use for traveling across the country to visit family for the holiday season (December/Christmas) and to pay off some debt which was causing her to get a constant stream of phone calls and nasty letters in her mailbox from collection agencies.

She felt that she could pay off all of her debts and visit her family with a $3000 loan, and she would have enough money from some investments that she was confident in. She had invested $1000 in the stock market six months earlier, and at the time of her application she was 100% confident that she would be able to sell her stock and make a profit of over $7000 within the next month. Of course, this is a gamble, because you never know what can happen on the stock market.

The APR that this borrower asked for was 9%, but the actual finalized interest rate on the $3000 ended up being 25%. This created a monthly payment of $1027 per installment, and a closing fee of $43. The total interest paid to the lender over the three month period came to $125, and this is not really a big deal as long as she pays back the lender in full at the end of three months.

This borrower had a FICO score of 580 at the time of application which certainly put her in the position where she was not going to qualify for an unsecured loan with a conventional lender. When she was applying, she was not aware of this fact, and if she was aware of how bad her credit score was, she could have saved herself a lot of time and aggravation.

Her bank is the Trumark Financial Credit Union on N. 5th St. in Philadelphia, PA. She applied there for a $5000 unsecured loan, and was declined. She then asked for a $3000 loan, which is all she really needed, and was declined for that amount as well. This applicant lives in the Kensington area of Northeast Philadelphia, and also works in the area.

Since her bank wouldn’t approve her for an unsecured loan, she tried to get approved at the PNC Bank on North Broad Street, with the Hyperion Bank on W. Girard Ave., and at the Citizens Bank on W. Lehigh Ave. – none of these banks would approve her for any kind of financing.

The one thing going for this applicant is that she had/has a good full-time job working in a jewelry store in Northeast Philly, kitty- corner to Washington Square. She has been working there for over five years now and loves her job. She gets along great with her employer and her coworkers and they are very happy with her performance as an employee. Because of this, she figured that there would be some lender out there that would approve her for an unsecured loan based on her monthly income only.

Unfortunately, her credit score with TransUnion, Equifax, and Experion, was much too low for any conventional bank to qualify her for approval.

She ended up using our website to apply for an unsecured loan of $3000, and as explained above, she was willing to accept a temporary APR of 25% on the note. The good news is that she ended up selling her stock and making a profit of over $12,000, and was able to easily pay off the $3000 principal and the interest charges of $125.

This lender provides unsecured loans to people who have bad credit ratings and lends money to borrowers exclusively in the State of Pennsylvania, with their highest ratio of loans going to consumers living in the Philadelphia area. The most recent loans they approved at the date of this publication were given to borrowers living in the neighborhoods and areas of Kensington, Fishtown, Fair Hill, Ludlow, Rockledge, Jenkintown, Lawndale, and Willow Grove, all in the Northeast of Philadelphia, PA.

Of course, this lender also approves loans for people who have poor credit in all surrounding areas of Philadelphia, but we chose them for this publication based on the fact that their most recent loans went to people in this area of the city (NE Philly)

Loan Data Loan Values
Loan Principal Increments (avg. in area) $1000, $1500, $2000, $2500, $3000
Loan Principal Finalized $3000
Loan Product Nomenclature Bad Credit Personal Loan (BCPL)
Loan Cost Per $100 n/a – 3 month term
Effective APR Request Below 9% APR
Finalized APR on Loan Agreement 25%
Total Interest Paid to Lender $124.98
Total Paid Back To Lender $3124.98
Monthly Installment Payment $1027.39
Closing Payment $42.81
Loan Term/Period 3 month term
Applicant’s Area of Residence Kensington, Ludlow, Fishtown, Fairhill, NE Philly
Main City Center of Loan Origin Philadelphia
Neighbouring Areas Lenders Service Rockledge, Jenkintown, Lawndale, Willow Grove
State Pennsylvania
Classification of Lender Unsecured Personal Loan Provider – Signature/Personal
FICO Score 580

$4000-$5000 Bad Credit Unsecured Personal Signature Loan in Northwest Philadelphia, PA

Our next applicant lives in the North West area of Philly. He works as a data entry employee for a company located in downtown Philadelphia. He lives not too far from South Broad Street on Cecil B Moore Avenue in an apartment with his common-law wife of eight years. She is employed as well, and they don’t have any children to support, so his DTI isn’t that outrageous.

At the time of his application he had a DTI number of only .27. Unfortunately, he had some financial trouble because of overspending (and over living), and found himself in the bad books with his creditors. He has a personal loan that he often misses payments on with the Polonia Bank on Spring Garden Street. He also has a Citibank credit card, a PNC Bank Visa card, and a Bank of America Visa card, which he is behind on as well. Most of his debts are credit card debts, and he was looking for some form of debt consolidation.

Just like the first borrower in this application, he was convinced that he would have a substantial amount of cash coming in from a small business venture he had recently started. He was running a skate sharpening business with a close friend of his who is now his partner. He was willing to take out a very high interest loan to clean up all of his personal debt, with the hope that he would be able to pay the loan off in a six-month period. He had initially applied for a $10,000 loan with his bank, but since he had a personal loan of $30,000 with the Polonia Bank he wasn’t able to get approved. He tried to apply at Citibank and with the Bank of America for this $5000 note but was declined.

As you can see in the table below, this borrower was approved for an unsecured loan of $5000 over a six month term, with installment payments of $900 per month (rounded down).

Because of the high interest rate (33%), this loan was finalized with monthly payments for a six month term, with a total of $481. His closing payment, you can see, was at $75. We never did get any follow-up information from the lender or the borrower here so we don’t know how this whole thing played out over time – did he manage to pay off the loan as per the loan agreement? I guess we will never know.

What we do know is that this lender is not agreeable to disclosing allot of information on the loan products they provide to people in the State of Pennsylvania. This is often the case, and we certainly don’t begrudge any lenders (or borrowers) for not being willing to give out their information. We rely on the few lenders and borrowers who don’t mind disclosing some of the data on their business dealings. In this case, we had scant data to work with, and barely just enough data to make a substantial note on the application, the process, the approval, the term, and the finalized APR.

Just like all of our loans discussed here at FUSA, we like to let our readers know some of the areas in the respective city where loans were approved. In this case we are choosing all of the recent loans that were approved in North-West Philadelphia, including borrowers from Francisville, Overbrook, Norristown, Fort Washington, Germantown, Allegheny West, and Brewerytown. All of these loans were unsecured as well, so it seems that this lender is making a great deal of profit charging some substantial interest rates on their products.

Unsecured personal loan providers like this one can make a lot of profit by lending money to people who have bad credit scores, but you always have to keep in mind that they are taking a lot of risk on with these activities. The charge-off rate for this lender is undisclosed so we can’t tell you exactly how many unsecured loans end up not being paid, but we can tell you by looking at all of our data on unsecured loans in the United States – they are probably charging off around 7% of their loans.

This is why they feel they can justify such high interest rates. We should make note that the average amount of money lent out by this lender is between $3500 and $5500. They approve loans up to $100,000, and a minimum of $2000 for short terms, but the vast majority of their loans are between $3500 and $5500 – we have to take our data points from somewhere.

 

Loan Data Loan Values
Loan Principal Increments (avg. in area) $3500, $4000, $4500, $5000, $5500
Loan Principal Finalized $5000
Loan Product Nomenclature Bad Credit Personal Loan (BCPL)
Loan Cost Per $100 n/a – 6 month term
Effective APR Requested Below 10% APR
Finalized APR on Loan Agreement 33%
Total Interest Paid to Lender $481.16
Total Paid Back To Lender $5481.16
Monthly Installment Payment $901.01
Closing Payment $75.10
Loan Term/Period 6 month term
Applicant’s Area of Residence N. Philly West, Brewerytown, Francisville, Overbrook
Neighbouring Areas Lenders Service Allegheny West, Norristown, Ft. Washington, Germantown
Main City Center of Loan Origin Philadelphia
State Pennsylvania
Classification of Lender Unsecured Personal Loan Provider – Signature/Personal
FICO Score 550

$6000-$7000 Bad Credit Unsecured Personal Signature Loan in Southeast Philadelphia, PA

Our third loan today is in Southeast Philadelphia, and the applicant lives in an area called Hawthorne, which is in the area of South Broad Street and Christian Street in Philly. The lender in this case had it’s most recent loans qualified in these areas – Hawthorne, South Philly East, Pennsport, Southwark, and City Center East.

These loans were all between $6000 and $8000 total. All of these particular loans were unsecured loans as well, keeping with the theme of this publication today. This specific borrower is a woman who was recently separated from her common-law husband, and has fallen behind in the bills because she can’t afford to pay for the lifestyle. She has two children to support and she makes a mere living working at Walmart. She wanted to get a loan for around $10,000, but settled for a loan of $7000 principal in the end.

The interest rate she got from the lender was 22% and it was for a nine month term. The total amount of monies paid back to the lender was $7640 over the term, with a monthly installment payment of $837. The closing fee on the loan was $104.68. A fairly good chunk of interest paid on this loan, but nothing that can’t be handled if she manages to raise some money outside of her monthly income that she gets from Walmart.

The reason she was comfortable taking out this kind of a loan (with a high interest rate) is because she was promised some interest free money from her parents within the next two years. Her parents promised to pay her $1500 a month for the next two years, but she needed to get some fast cash right away so she could pay off her Visa cards which were starting to get out of hand.

She does all of her banking at PNC Bank on Christian Street, but also has a credit card with United Savings Bank on S. 10th St. in Philadelphia. She tried to get approved with these banks for an unsecured loan of $10,000 but because of her income being so low she couldn’t qualify for approval. Luckily for her, she had some parents that were willing to help her out, and of course her parents didn’t want to see their grandchildren suffering in poverty, so it was really not a question for them – they could afford it.

The initial APR that she was applying for was 7% on the $7000 principal, but the lender was not willing to go that low for an unsecured note. She had to settle for the 22% APR that was offered, and she had to settle for a nine month term. This lender never provides loans for terms longer than 12 months. This kind of cash has to be paid back quickly, and in fact, this lender prefers to have all loans paid off within a six month period. If you are the borrower, you want to make sure you are paid off quickly too, because with an interest rate over 20% APR you don’t want the cost of the loan growing up to the stratosphere over a long period of time.

As it turned out, everything went according to plan and she did get approved for this loan, and her parents didn’t give her the $1500 a month to pay off the loan and provide food, clothing, and shelter for her two children.

This is one of the lucky ones. So many people don’t have jobs, let alone family members who are willing to give interest free loans. She considered herself very lucky, and works hard to increase her income and decrease her spending every month. She is now taking night classes in accounting so that she can supplement her income from Walmart, and one day become a full time chartered accountant.

Loan Data Loan Values
Loan Principal Increments (avg. in area) $6000, $6500, $7000, $7500, $8000
Loan Principal Finalized $7000
Loan Product Nomenclature Bad Credit Personal Loan (BCPL)
Loan Cost Per $100 n/a – 9 month term
Effective APR Requested Below 7% APR
Finalized APR on Loan Agreement 22%
Total Interest Paid to Lender $641.55
Total Paid Back To Lender $7641.55
Monthly Installment Payment $837.43
Closing Payment $104.68
Loan Term/Period 9 month term
Applicant’s Area of Residence Hawthorne, S. Philly East, Pennsport
Neighbouring Areas Lenders Service Southwark, City Center East
Main City Center of Loan Origin Philadelphia
State Pennsylvania
Classification of Lender Unsecured Personal Loan Provider – Signature/Personal
FICO Score 560

$8500-$10,000 Bad Credit Unsecured Personal Signature Loan in Southwest Philadelphia, PA

Our last loan takes place in Southwest Philly, and the lender in this case exclusively does loans that are unsecured in Pennsylvania. This lender’s last customers were living in the areas of New bold, South Philly West, Yeadon, Elmwood, Fitler Square, Drexel Hill, Millbourne, and Kingsessing. This unsecured loan provider works on extremely high yields and high interest rates, and also only allows a maximum term length of one year, and prefers biweekly payments.

In this case the borrower was approved for monthly payments of $1013. Please note the total interest paid on this loan over the year – coming in at $2300 and change. Being that this was an unsecured loan and that the borrower had a 530 FICO score, the lender really stuck it to them with the interest rate of 43%.

Now, you have to question any kind of loan that has an APR as high as 40% to 50%, and you have to ask yourself the question, “How can this borrower afford these kinds of payments on the principle, and how can they afford such a high APR“.

The answer is very simple. This borrower had a DTI of only .23, meaning that they have very little financial responsibilities each month (at the time of borrowing), and they were making over $8500 a month net take-home pay. Of coarse, this brings up the next question, “Why would somebody who makes $8500 a month need to get a loan for $10,000, over a year, with such a high APR“.

The answer to that is very simple as well. This borrower is paying health care costs for his parents (up to $6000 a month), and it was killing him financially. He knew that this was just temporary, but he had to do it anyways – love, and pride in caring for his family.

So his DTI was obviously calculated by lenders and financial institutions without these monthly medical expenses in the equation. He managed to keep that to himself, by using cash money from his accounts to pay for those expenses. The truth is, that this DTI in reality would be about .65, which is much too high for any conventional lender to consider for qualification.

He tried to get approved with his own banks, which were at the time the Bank of America, Citibank, TD Trust, and PNC Bank. He has credit spread all over the place, but not a lot of credit had been racked up at the time. He really had to get this fast $10,000, which he wanted to use as a down payment on a small house, because he was tired of renting and tired of having roommates.

As you can tell by the above information, the data that was given to us by the borrower was sketchy at best. When we see this kind of information coming through we get the feeling that the purpose of the loan is likely not as a documented, but more likely for another reason that they just don’t want to disclose. Fair enough – like we say so often here at Financing-USA.com, it’s none of our business why you need money, how much you want to borrow, where you borrow it from, who you borrow it from, and the interest rates you pay – we’re only here to journal on lending and borrowing throughout the United States.

As it turned out, this borrower got approved for the $10,000 loan and they did manage to pay back the lender on time (and in full) by the end of the year term.

Loan Data Loan Values
Loan Principal Increments (avg. in area) $8500, $9000, $9500, $10000
Loan Principal Finalized $10000
Loan Product Nomenclature Bad Credit Personal Loan (BCPL)
Loan Cost Per $100 n/a – 12 month term
Effective APR Requested Below 8% APR
Finalized APR on Loan Agreement 43%
Total Interest Paid to Lender $2328.73
Total Paid Back To Lender $12328.73
Monthly Installment Payment $1013.32
Closing Payment $168.89
Loan Term/Period 1 year term
Applicant’s Area of Residence Newbold, S. Philly West, Yeadon, Elmwood
Neighbouring Areas Lenders Service Fitler Square, Drexel Hill, Millbourne, Kingsessing
Main City Center of Loan Origin Philadelphia
State Pennsylvania
Classification of Lender Unsecured Personal Loan Provider – Signature/Personal
FICO Score 530

90 Loan Requests

  1. Cierra applied for the following loan:

    Purpose of Loan:

    Im tryna get an apartment for me and my two young children and im also trying to get them some christmas gifts and i have no money or no help.

    Wednesday, December 21, 2011 at 12:04 pm | Permalink
  2. Tara applied for the following loan:

    Purpose of Loan:

    I have become blind as a result of a medical condition and am seeking funds to acquire things to assist me in having a productive and successful lifestyle. I have returned to work following time off due to surgery and have now been emplyed for almost two years since losing my sight and want to sustain gainful employment which is why I am seeking funds to obtain the things needed to help in this area.

    Thursday, December 29, 2011 at 11:46 am | Permalink
  3. Jill applied for the following loan:

    Purpose of Loan:

    Ive been a simgle mom for over16 years and the father has no interest in being a part of thier lives, so im supporting a mentally handicapted son and trying to keep my other son in college. Ive made some bad choices financially to do so, so now even though I make good, I can barely buy groceries due to so manyfinance loans, and school loans.If I had 8000 dollars, I could afford one payment, and have more money left over to take care of basic needs..please , I need some help…thank you, jill

    Sunday, January 1, 2012 at 11:46 am | Permalink
  4. javier applied for the following loan:

    Purpose of Loan:

    I have fallen behind on my bills and its made it hard to get by ,the reason for that is my mother resently had a car accident and her medications and operations have been very expensive ,around the same time we had a new baby so that made money tighter ,but thankfully my mother is recovering good and my spouse returned to work now were just trying to get on track agian . We would really appreciate the help

    Friday, April 13, 2012 at 8:20 am | Permalink
  5. javier applied for the following loan:

    Purpose of Loan:

    recently my mother had a car accident where she almost lost her life, her medical bills and operations were very expensive . around the same time my spouse and i had a baby makeing money around the house really tight.beacouse of that we have fallen behind on our bills , with this loan we want to to catch up on all our bills and get our lifes back to normal. thankfully my mother is doiong much better and my spouse has returned to work makeing it easier to pay back the loan. we would really appreciate the help thanks

    Friday, April 13, 2012 at 9:43 am | Permalink
  6. Diahnn applied for the following loan:

    Purpose of Loan:

    We would like to pay off some bills including our children’s tuition, which needs to be paid in full at the end of the month. It has been a struggle to adjust to a much smaller income than before.

    Wednesday, April 18, 2012 at 7:36 am | Permalink
  7. Sherrie applied for the following loan:

    Purpose of Loan:

    Medical expenses and security deposit for apartment that i want to move in june 1st…hopefully you guys can help me thank you soo much

    Sunday, April 22, 2012 at 5:30 pm | Permalink
  8. Erica applied for the following loan:

    Purpose of Loan:

    To pay for medical procedure for my spouse not covered by my insurance and some debt, want to get things on track in my life to help secure my future.

    Sunday, April 22, 2012 at 5:37 pm | Permalink
  9. lisa applied for the following loan:

    Purpose of Loan:

    i got caught in the payday loan cycle. i want one payment per month instead of the continual rollovers and payments from each paycheck.

    Wednesday, April 25, 2012 at 5:07 pm | Permalink
  10. Rob applied for the following loan:

    Purpose of Loan:

    got behind on utility bills after auto repairs I will be bringing them current and buying some groceries

    Wednesday, May 2, 2012 at 12:07 pm | Permalink
  11. dennis applied for the following loan:

    Purpose of Loan:

    Wife left job 2 years ago to care for our special needs son. Mortgage company was supposed to escrow taxes and we just found out they have not for 2 years, and we are in jeopardy of losing home to tax sale

    Monday, May 21, 2012 at 11:15 am | Permalink
  12. Sue applied for the following loan:

    Purpose of Loan:

    House that I bought couple years ago went on foreclosure. I had 2 mortgage for this house. Due to foreclosure, 2nd mortgage became unsecured loan and I want to settle this account.

    Thursday, May 24, 2012 at 1:23 pm | Permalink
  13. Charles applied for the following loan:

    Purpose of Loan:

    Medical expenses, I need to get surgery on my back and I am waiting on a lawsuit.

    Monday, June 25, 2012 at 12:30 pm | Permalink
  14. Juanita Clark applied for the following loan:

    Purpose of Loan:

    Need loan to travel to Texas for family emergency

    Saturday, July 21, 2012 at 12:13 pm | Permalink
  15. Thomas applied for the following loan:

    Purpose of Loan:

    Pay off some debit

    Monday, August 6, 2012 at 7:30 pm | Permalink
  16. W.C. applied for the following loan:

    Purpose of Loan:

    I got laid off and I am working again but I had to take some personel time off and used all of my saving’s. I’m not behind but struggeling to stay caught up on all my bill’s. This amount will keep me ahead and take the pressure off. I can repay the $6000.00 plus Int. back very quick if I can get everything on track. Thank for your time, W.C.

    Saturday, August 11, 2012 at 12:16 pm | Permalink
  17. Kim applied for the following loan:

    Purpose of Loan:

    I’am 4 months behind in rent and need help.

    Monday, August 13, 2012 at 4:42 pm | Permalink
  18. Joseph Serwacki applied for the following loan:

    Purpose of Loan:

    Hello, I live in the Buffalo New York area. I will try to explain my situation, so maybe you can help give me some ideas. I had established my credit when I was 18 yrs old. I had very good credit up until 2003. I had gotten married and from 2003 to 2006 my ex had managed to destroy my credit forcing me to go bankrupt. Now, I’m looking to restore my credit slowly. Because I am unemployed but I do receive
    benefits. I get around $1300.00 a month.
    My living expenses are low. I’m looking for a $3000.00- $5000.00 loan. When I can make monthly payments until the loan is paid off. The purpose of the loan is to either repair or help
    purchase a newer electric wheelchair. I had an accident that has caused me to become disabled.Any advise would be greatly appreciated. Thank You for your attention concerning this matter. Sincerely, Joseph Serwacki

    Saturday, August 18, 2012 at 7:17 am | Permalink
  19. William applied for the following loan:

    Purpose of Loan:

    My current vehicle is unreliable and unroadworthy- and a car. In my line of work i require a truck as a nessecity in order to haul antiques- as well as the area we live in four wheel drive is a must. My bind is although I Make good money, a prior marriage and co siging anothers loan at the age of 18 has left me with poor credit- and although I have found a reliable truck for a good price- buying it outright strictly in personal cash will esentially financially break me. I am inquiring as to if I could feasibly get a 2000 personal loan- and I would be able to put down a 25% downpayment (500) prior to loan.

    Sunday, August 26, 2012 at 7:12 pm | Permalink
  20. Amanda applied for the following loan:

    Purpose of Loan:

    I need the money to pay off people who tried to help me financially as I went thru my bankruptcy. My daughter also needs braces so I would liked to also pay for those also.

    Sunday, September 2, 2012 at 10:05 pm | Permalink
  21. Amanda applied for the following loan:

    Purpose of Loan:

    I would like to pay back the people who helped me out during my bankruptcy. I also want to pay for my daughters braces.

    Sunday, September 2, 2012 at 10:12 pm | Permalink
  22. Marybeth applied for the following loan:

    Purpose of Loan:

    Need to catch up on two months mortgage and finish paying off outstanding credit cards

    Monday, September 10, 2012 at 10:51 am | Permalink
  23. cat applied for the following loan:

    Purpose of Loan:

    I went through a divorce this past year. I finally left an abusive man and have landed on my feet (almost). I have some legal fees that I would like to pay off. Earlier this year I enrolled approximately $5,000 of credit cards into a consolodation program which has harmed my credit despite making monthly payments EVERY month. I also very foolishly took out two payday loans which I have since learned are the dumbest thing anyone could ever do! I am happy to pay a high interest rate – somehing where the lender could earn $2-4,000 over the term of the loan in interst. I would like the term to span 36 months (3 years). Thank you so much for taking the time to review my situation. Happy to provide credit reports pull this month (September 2012).

    Friday, September 28, 2012 at 9:15 am | Permalink
  24. John applied for the following loan:

    Purpose of Loan:

    Would like to clear up some credit issues and catch up on my utilities. Tired of small loans that get me nowhere. Willing to pay high interest to try to get back on the road to good credit.

    Thursday, October 4, 2012 at 10:36 am | Permalink
  25. John applied for the following loan:

    Purpose of Loan:

    Money is needed to pay utilities and personal loans. Looking for a way to try to make one payment and get on the road to recovering my good credit.

    Thursday, October 4, 2012 at 10:40 am | Permalink
  26. Roszina applied for the following loan:

    Purpose of Loan:

    I am going through a divorce and need housing for my 2 children. I am unable to pay lawyer fees and bill to be able to place a security deposit down. I had to leave everything we owned and I need money to help replace things for my kids and myself.

    Monday, October 8, 2012 at 1:05 pm | Permalink
  27. Alfreda applied for the following loan:

    Purpose of Loan:

    Financial Hardship and never recovered from it

    Wednesday, October 10, 2012 at 3:51 am | Permalink
  28. Tika applied for the following loan:

    Purpose of Loan:

    Behind on rent, car note, and all bills. About to be evicted and really need this loan to pay catch up on bills. My car needs tires and repairs.

    Sunday, October 14, 2012 at 11:44 am | Permalink
  29. Tika applied for the following loan:

    Purpose of Loan:

    About to be evicted, behind on care note, behind on bills. Need tires and repairs on car to make it to work.

    Sunday, October 14, 2012 at 11:48 am | Permalink
  30. Oyequepasa applied for the following loan:

    Purpose of Loan:

    I’ll be using the funds to consolidate my personal debts into one monthly payment. My main financial thorn on my side is two vehicles I have financed that combined cost me $790 a month. I also have personal debts, private and medical,and utility bills in arrears.

    Monday, October 29, 2012 at 7:22 pm | Permalink
  31. King Charles applied for the following loan:

    Purpose of Loan:

    I need this loan to purchase a vehicle . This will be my first car & I’m eager to purchase it . Please help me

    Tuesday, November 6, 2012 at 12:57 pm | Permalink
  32. Gerri applied for the following loan:

    Purpose of Loan:

    My husband has become disabled and I currently am behind on bills. Need the money ASAP

    Wednesday, November 7, 2012 at 9:42 am | Permalink
  33. Debbie applied for the following loan:

    Purpose of Loan:

    I need to help my mom pay her taxes. My father died and left no money. I also have a disable sister who lives with my mom and I don’t want my mom to lose her home.I need help please!!!!!!

    Tuesday, November 13, 2012 at 7:28 pm | Permalink
  34. THUY & AN applied for the following loan:

    Purpose of Loan:

    FOR COMING BACK VN TO VISIT MY MOTHER-IN-LAW LAST STAGE OF CANCER

    Wednesday, November 14, 2012 at 5:57 am | Permalink
  35. Jennifer applied for the following loan:

    Purpose of Loan:

    I need to be able to pay an attorney to save my home, so that my children and I have a place to live.

    Wednesday, November 14, 2012 at 1:03 pm | Permalink
  36. Heather applied for the following loan:

    Purpose of Loan:

    I’m expecting my first baby and don’t make enough for myself let alone my new baby. I need to get myself caught up on my rent and bills so I can start fresh and to start saving. I’m in desperate need of a loan so I can have a little piece of mind and not worry about late bills anymore.

    Sunday, November 18, 2012 at 2:14 am | Permalink
  37. Darlene applied for the following loan:

    Purpose of Loan:

    I have several higher interest loans that I would like to pay off. My car needs repaired and I just cant seem to get my head above water. If i could just pay off these loans and catch up on my bills I would be alright. I have a budget and a plan but my checks are being eaten away before I even get them. I have enough income now I just need the opportunity. I will get more than enough to pay off my loan with my taxes.

    Tuesday, November 27, 2012 at 10:26 pm | Permalink
  38. Faaasa applied for the following loan:

    Purpose of Loan:

    My husband and I owned a house, but he couldn’t approve for any loan because of his credit ratio. We tried to get a loan to fix the roof before it snowed, but unable to approve. We want to fix our house but no help. I’ve been turned down from banks, but I am able to pay anything.

    Thursday, November 29, 2012 at 7:26 pm | Permalink
  39. Wendy applied for the following loan:

    Purpose of Loan:

    Pay off a very high interest loan.

    Monday, December 3, 2012 at 8:19 am | Permalink
  40. Shine applied for the following loan:

    Purpose of Loan:

    I need the loan to consolidate all my frivolous debt with the exception my student loans, to boost my credit score so I am able to purchase a home in the near future . My sister just landed a job so some of my stress will be relieved . This loan would help me tremendously.

    Monday, December 3, 2012 at 8:13 pm | Permalink
  41. Joshua applied for the following loan:

    Purpose of Loan:

    Need car repaired to continue side job were
    I make about 800$ a month. And need to see
    Medical specialist and I have no
    Medical insurance and need the cash for
    The procedure I need done. It’s very important to my health and have been denied by countless lenders and family even. Will deffinetly honor terms of loan for as to not ruin my credit anymore than I have already done

    Tuesday, December 4, 2012 at 12:13 am | Permalink
  42. Daniel applied for the following loan:

    Purpose of Loan:

    consolidate my personal loans and car repairs
    preperations for a baby soon

    Friday, December 7, 2012 at 7:42 pm | Permalink
  43. keanna applied for the following loan:

    Purpose of Loan:

    Bills

    Sunday, December 9, 2012 at 2:12 pm | Permalink
  44. Patricia applied for the following loan:

    Purpose of Loan:

    I am trying very hard to start over after my husband was sick for several years and passed away. Filed bankruptcy due to horrendous medical bills. I recently started a new job and need money to get on my feet. Need to pay for my move to another city and the cost of relocating. I had absolutely nothing after the bankruptcy was done. I just want and need to start over. The money will help me start over and I have very little going out outside of rent and utilities.

    Monday, December 10, 2012 at 8:03 am | Permalink
  45. Seema applied for the following loan:

    Purpose of Loan:

    I was hit with a tremendous amount of medical which.caused me to go into debt. I’m about to lose my house without this payment.

    Thursday, December 13, 2012 at 6:06 pm | Permalink
  46. Olivia applied for the following loan:

    Purpose of Loan:

    I want to pay off my payday loans and catch up my car payment. I am 3 months behind.

    Sunday, December 16, 2012 at 6:51 pm | Permalink
  47. Verne applied for the following loan:

    Purpose of Loan:

    I need to pay off credit cards and to clear off another small bill and have one payment to pay. My number is 347 221 4697

    Wednesday, December 19, 2012 at 7:45 pm | Permalink
  48. Patricia applied for the following loan:

    Purpose of Loan:

    I need this loan to pay outstanding bills and consolidate. I had to go overseas for a funeral, thats why some of my bills did not get paid, and now I am backed up.

    Friday, December 28, 2012 at 7:55 am | Permalink
  49. Howard applied for the following loan:

    Purpose of Loan:

    I want to pay off some of the negatives on my credit report as well as pay a couple of bills

    Friday, December 28, 2012 at 10:51 am | Permalink
  50. Howard applied for the following loan:

    Purpose of Loan:

    I would like to fix my credit.

    Sunday, December 30, 2012 at 8:02 am | Permalink
  51. Janice applied for the following loan:

    Purpose of Loan:

    To pay off payday loans

    Friday, January 4, 2013 at 6:30 pm | Permalink
  52. Tom applied for the following loan:

    Purpose of Loan:

    I need this loan really bad so i can keep my apartment and pay my rent. I have a new born child and i need money to get him some more food and diapers. I can pay this loan off with know problem. I just need someone to give me a chance.

    Saturday, January 5, 2013 at 2:05 am | Permalink
  53. Sherri applied for the following loan:

    Purpose of Loan:

    pay off payday loans and some unexpected expenses for activities my child is involved in.

    Tuesday, January 22, 2013 at 9:54 am | Permalink
  54. Carolyn applied for the following loan:

    Purpose of Loan:

    Medical reasons also for medicine

    Tuesday, January 29, 2013 at 11:51 pm | Permalink
  55. LYDIA applied for the following loan:

    Purpose of Loan:

    Son in Atlanta…car repossessed. Need money to get car back.

    Monday, February 4, 2013 at 10:23 am | Permalink
  56. Max applied for the following loan:

    Purpose of Loan:

    Emergency and for personal debt consolidation

    Tuesday, February 5, 2013 at 10:47 am | Permalink
  57. Max applied for the following loan:

    Purpose of Loan:

    Need money fast for personal reason and personal debt consolidation

    Tuesday, February 5, 2013 at 10:48 am | Permalink
  58. David applied for the following loan:

    Purpose of Loan:

    consolidate auto loan

    Wednesday, February 6, 2013 at 3:24 pm | Permalink
  59. Lakeisha applied for the following loan:

    Purpose of Loan:

    groceries and payday loans trying to get ahead

    Monday, February 11, 2013 at 6:10 am | Permalink
  60. James applied for the following loan:

    Purpose of Loan:

    to get out of payday loan cycle to catch up
    on utilities

    Wednesday, February 13, 2013 at 4:29 pm | Permalink
  61. amelia applied for the following loan:

    Purpose of Loan:

    car loan

    Friday, February 15, 2013 at 8:50 pm | Permalink
  62. amelia applied for the following loan:

    Purpose of Loan:

    unexpected car issues car loan

    Friday, February 15, 2013 at 8:53 pm | Permalink
  63. darlane applied for the following loan:

    Purpose of Loan:

    I need to pay off combined bills, and up my credit score for a car.mine is not so good

    Sunday, February 17, 2013 at 4:45 pm | Permalink
  64. darlane applied for the following loan:

    Purpose of Loan:

    consoladate bills

    Sunday, February 17, 2013 at 4:48 pm | Permalink
  65. Antoine applied for the following loan:

    Purpose of Loan:

    Im trying to buy my own semi truck.

    Tuesday, February 19, 2013 at 1:52 pm | Permalink
  66. Ann applied for the following loan:

    Purpose of Loan:

    Want to have one monthly payment other then truck payment. I just need a little help getting back on track.

    Tuesday, February 26, 2013 at 6:12 am | Permalink
  67. Dee applied for the following loan:

    Purpose of Loan:

    Emergency home repair.

    Tuesday, February 26, 2013 at 11:43 am | Permalink
  68. Seth applied for the following loan:

    Purpose of Loan:

    my company is well funded and we have a great portfolio of client companies with significant equity in each one. we are 18 months old, and the our first client is currently in negotiations to be acquired.. our next exit should be no later than end of the year 2013… because my company is a start-up of which i am a founder, we have lived on 1/5 of our normal income and invested our own money/savings to get to where we are. i am almost at the breaking point but i see the light but need to pay for a move into a new home for my young, growing family. the house is priced right, but need money for a security deposit + first and last months rent and everything that comes along with moving. my wife is currently 7 1/2 months pregnant with our second child and while we are truly excited for our daughters birth, we are scared to death with no money for a pending move this weekend.

    Tuesday, February 26, 2013 at 11:30 pm | Permalink
  69. Kathy applied for the following loan:

    Purpose of Loan:

    I have fallen behind on both my mortgages and my household expenses. My car needed alot of repairs and my partner who was sharing in the household expenses has left. Please help!

    Thursday, February 28, 2013 at 12:31 pm | Permalink
  70. Justin applied for the following loan:

    Purpose of Loan:

    To consolidate all of my bills including paying my truck off so that I have one bill to pay a month.

    I can afford a $1500 – $2000 a month payment

    Friday, March 1, 2013 at 9:43 pm | Permalink
  71. Pam applied for the following loan:

    Purpose of Loan:

    Need a loan to catch up on bills

    Wednesday, March 6, 2013 at 8:09 am | Permalink
  72. Steven applied for the following loan:

    Purpose of Loan:

    Catch up and combine bills

    Friday, March 8, 2013 at 1:20 pm | Permalink
  73. Alvine applied for the following loan:

    Purpose of Loan:

    My car needed serious repair

    Wednesday, March 13, 2013 at 12:26 pm | Permalink
  74. Charles applied for the following loan:

    Purpose of Loan:

    Was injured on my full time job as a carpenter. Fell off a roof injuring my back and wrist enough to be out of work for 8 – 12 weeks. Come to find out my employer was not carrying a workers compensation policy at the time ofthe injury. Because of this I filed a lawsuit and we expect to receive a significant settlement within the next 6 – 12 months. Unfortunately, due to the lack of WC coverage I fell very far behind on my bills. I am making some monthly income now that will only increase as the weather improves. In the meantime however, I will soon be facing eviction and/ or repossession of m y truck. I can pay back this loan because as soon as in healthy again (2-4 weeks) I’ll be back to earning 3400 – 4000 monthly with a settlement on the way. Is just my 3 year old son myself and our two dogs here in

    Thursday, March 14, 2013 at 9:52 pm | Permalink
  75. Annastasia applied for the following loan:

    Purpose of Loan:

    I need to move into my own home ASAP.

    Wednesday, March 20, 2013 at 10:01 am | Permalink
  76. amber applied for the following loan:

    Purpose of Loan:

    I went through a divorce an left with the clothes on my back. My car is broken he messed it up because i didnt go back to him. I have very little an need to get back on my feet.

    Saturday, March 23, 2013 at 12:18 am | Permalink
  77. Steven applied for the following loan:

    Purpose of Loan:

    debt

    Tuesday, March 26, 2013 at 10:26 am | Permalink
  78. Drew applied for the following loan:

    Purpose of Loan:

    I want to start a home business

    Wednesday, March 27, 2013 at 4:27 pm | Permalink
  79. Drew applied for the following loan:

    Purpose of Loan:

    I want to start a home business.

    Wednesday, March 27, 2013 at 4:29 pm | Permalink
  80. K Harris applied for the following loan:

    Purpose of Loan:

    I have been employed with this school district for four years. I am really working to better my credit score by paying off some debt. I am a single mother and have a son that is an honor student and will be entering high school. I know that he will be attending college in the next four years and I want to have the credit to provide this for him. My credit score is 577 (up from the mid 400′s in a years time). I attended and graduated college and took advantage of all the “easy to get” credit cards. I did not fully understand the importance of credit and my credit score until I applied for a housing loan about a year ago and was denied. I was naive in my financial decision making in my youth and am paying for it now. I just want to be able to get ahead and get my credit where it should be. I need $5,500 and would like a 36 term agreement. I am able to pay $150-250 a month. If you are not able to finance this loan due to the low score, I really understand, but if you want to deal with a hardworking, honest individual that just wants to make a fresh start, then please respond with the next steps that I should take. Either way, I would love to hear from you and am open to any advice that you may offer.

    Tuesday, April 2, 2013 at 4:01 pm | Permalink
  81. Joan applied for the following loan:

    Purpose of Loan:

    14 year Construction Material Wholesaler out of Minneapolis, MN
    Afro-American Woman Owned

    Tuesday, April 16, 2013 at 12:53 am | Permalink
  82. Ashley applied for the following loan:

    Purpose of Loan:

    Monday when I woke up and went into the living room I discovered that the storm from the night before damaged our roof so much that there was water on my wood flooring and our ceiling was heavily damaged with water. Also, our siding has huge holes in it due to all the hail and our insurance company only gave us 1,000 for the damage when its going to cost us 5,000 to repair all the damages. Please help!

    Sunday, April 21, 2013 at 3:54 pm | Permalink
  83. Ashley applied for the following loan:

    Purpose of Loan:

    We had a bad storm hit our home and damage our homes roof, siding and our living room floor. Our insurance only gave us 1000 to do repairs and need 5000 to fix everything. Until we can repair it, it will continue to rain in our house. Please help.

    Sunday, April 21, 2013 at 4:01 pm | Permalink
  84. Hugh applied for the following loan:

    Purpose of Loan:

    catch up on past due phone bill 700.00, past due water bill 200, pay of 2 payday loans for 600.00 total, pay off personal loan for $800.00
    pllus $700.00 for bounced check.

    Wednesday, April 24, 2013 at 1:21 pm | Permalink
  85. Denise applied for the following loan:

    Purpose of Loan:

    I am just emerging from a divorce which left me with internet loans tied to my name and paycheck. I need to combine these loans and my lawyer fees and my auto loan all into one monthly or twice monthly payment. The interest on the internet loans alone are outrageous. I want and need to start my new life by paying my debts in a more manageable manner. Please contact me for further details and concider me a good candidate for a loan.

    Thursday, April 25, 2013 at 5:41 pm | Permalink
  86. Denise applied for the following loan:

    Purpose of Loan:

    I am newly divorced and want to combine my van loan. Lawyer bill and multiple internet loans into one manageable payment. My budget will support me amd ths loan. I am a dedicated and loyal happy employee. I would like to regain control of my finances so I can move forward with my new life. Internet loans are a seductive evil that I want to be done with. Those loans started when I was still with my exhushand. My income was the only verifiable income so they are all tied to my name and check. Please grant me the chance to start fresh and rebuild my ruined credit ny giving me this loan to prove I am a good borrower and I do know how to live within a budget.

    Thursday, April 25, 2013 at 6:07 pm | Permalink
  87. valerie applied for the following loan:

    Purpose of Loan:

    Behind on bills, took a loan out on my car and want it paid in full, also one payday loan that is current but paying it off monthly which is tripling every month. Want to pay it in full.

    Thursday, May 2, 2013 at 5:07 pm | Permalink
  88. Faye applied for the following loan:

    Purpose of Loan:

    to pay off bills owing and a car loan

    Friday, May 3, 2013 at 3:54 pm | Permalink
  89. Edward applied for the following loan:

    Purpose of Loan:

    Wife’s medical bills auto

    Saturday, June 15, 2013 at 11:45 am | Permalink
  90. Jessica applied for the following loan:

    Purpose of Loan:

    I recently had a baby and had to be out of work for a while. During that time I got behind on my bills because the income I was getting wasn’t enough to cover everything. I’m now a week away from going back to work and would like a loan to pay things off. I acknowledge that my credit is not great but getting a loan and paying it off will help change that so I can build a better future for me and my daughter. I’m moving back in with family so my only bill obligations will be phone bill, child care, and the loan payment. Thank you for your consideration.

    Wednesday, June 26, 2013 at 10:11 am | Permalink