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12 Mo, 2yr, 3yr, 4yr Loans in PA for Bad Credit (Based on Job Income Only)

Today we’re looking at loans in Pennsylvania and we have four different loans which we are addressing. The first loan will be in Wilkes-Barre and the Scranton area in PA – the borrower ended up applying for an $18,000 loan and was “approved”.

The second loan is in the Harrisburg/York area of PA for a $10,000 loan. And then we go to Pittsburgh/Butler area for a $20,000 loan over a three-year period, and then finally we go off to Philadelphia with a borrower who actually lives in the Camden area of New Jersey.

All of these loans were unsecured loans, or what some people like to call signature loans. However, we should point out (right away) that three of these lenders are not approved by us, because there APR rates (and terms) of their financing are highly suspect and we will put them in the category of being loan sharks. You can see that we have noted who we believe to be loan sharks, and we show their effective APR on each of their notes.

As usual, we show the total amount of money owed on credit cards by these borrowers and we show the complete breakdown of their loans, including their monthly installment payment amounts, the total amount of money paid back the lender, and of course the total interest paid over the terms of the notes. As usual we will be including the credit rating of each applicant based on the average credit score of their combined Fico’s with TransUnion, Equifax, Fair Isaac, and Experian. If you look closely at the information we provide in the bullet points below you will notice that the effective APR basically correlates with the credit scores of the applicants (typical).

All of these lenders were doing business in Pennsylvania at the time of these applications and approvals, and they serviced the entire State – we include some of the towns and cities they have been focusing their market strategies on. We have included the lender classifications and the criteria of these loans – for example, all of them are giving loans based on a signature only, with no documents involved, credit checks, or any of the typical qualification checks that traditional lenders always insist upon. Should note that on the 4th loan there was a credit check.

The problem with three of these loans is that the loan sharks involved were taking part in predatory lending, and in fact one of these lenders was up on charges by the State for going over the usury levels dictated by law in Pennsylvania. We want to make it perfectly clear that these were not loans that we processed for them, and the information we have gathered here came directly from the borrowers who got these deals. They volunteered their information with the stipulation that we would not disclose any of their true identities, and that we would not risk their privacy.

One of these loans had an APR of 17% which was legal, and that loan is the last one we will be discussing here today.

12 Mo (1 Yr) Signature Loan / PA, Wilkes Barre-Scranton Area, $18000

Unsecured Loan in Wilkes Barre-Scranton, PA (No Credit Check)

So our first borrower lives in Wilkes-Barre and commutes to Scranton for her job. This young woman worked as a clerk for an accounting firm in the Kingston area of Wilkes-Barre, which is just across the Market Street bridge if you are familiar with this area. She tried to get approved with her main branch at the 1st National Community Bank located on N. Franklin Street - not far from the intersection of West Market Street.

Because of her credit score being 422 she was declined for any kind of financing.

She tried to get a loan in the form of a new credit card with them and was denied. She went to another bank branch that wasn’t hers and applied for a loan at the M&T Bank but had no possibility of approval there either. She even offered to move all of her accounts from the First National Community Bank over to M&T but that didn’t sweeten the pot for the loan officers.

She wanted this loan for one year with 12 installment payments at a reasonable rate (hopefully below 10% if she could), but as it turned out in the end that’s not what happened.

The reason she needed this loan was because she had to consolidate her credit card balances. She owed just under $9000 on her Visa card, and she owed over $5500 on her MasterCard, and she had a balance of just under $2500 on her American Express card. The total of her credit card debt(s) came to just over $17,000. She used our online system through this website to find a lender who would approve her for a one year loan. She used the application form of the bottom of the page, and she was courted by three different lenders. One lender wanted to charge her an interest rate of 38%, and the other lender offered a 37% APR. Just before she was about to sign up for the 48% loan she got an offer for a 35% APR on the note. NOTE: these APR levels included all fees – closing fees, administration fees, etc.

So if you see the breakdown below you can see that her monthly payments were quite large, and luckily for her, her fiancé had a good job in Scranton as well, and between the two of them they could manage these payments which were installments of $1800 a month. The total amount of cash paid back to the lender was over $21000, and the interest on this was just under $3000. A very expensive loan for sure.

This lender also does business in Lewisburg, Allentown, Bethlehem, Reading, and Newcastle. They didn’t ask her for any documents except for proof of her income – the loan was based on her job income only. This was an unsecured loan with no credit checks, and they didn’t even ask her for her credit score information. Hence the high rate!

The reason she needed this loan was to clear up (quickly) all of her credit card debt as soon as possible, and the only reason she could was because she and her partner had a dual income on the go. For most people this kind of loan would be cost prohibitive as the monthly payments were massive.

They did manage to pay off the loan in time and the lender got all of their money without default. In the end this is a good situation for them because she was completely debt-free and they could get ready to move out of their apartment and buy a home together.

This was the whole plan from the start. They wanted to get themselves ready for their first starter home and they wanted to get all of her debts behind her. His credit rating was very good with a 720 FICO score, and this is how it often goes down – if you are lucky enough to have one partner in the relationship who has a good credit rating, you can leverage the entire mortgage for the new home on the one applicant, and the banks will approve the entire note based on that.

Her fiancé does all of his banking with the Bank of America and PNC Bank which he has accounts with in Downtown Scranton right next to the Mercy Hospital.

We wish that all of our visitors were so lucky to have a partner who has a solid credit rating so they can slide in under their wing while they are repairing their own credit rating. But alas, this is not reality.

Loan App for 12 Month Installment Loan in Wilkes Barre-Scranton, PA

  • Borrower’s Visa Balance: $8965
  • Borrower’s Mastercard Balance: $5634
  • Borrower’s American Express Card Balance: $2423
  • Total Credit Card Debt: $17022
  • Finalized Approval of Loan: $18000
  • APR: 35% (high interest lender)
  • Monthly Payment: $1748.34
  • Total Monies Paid Back: $20980.08
  • Total Interest: $2980.08
  • Loan Term Length: 12 months/1 year
  • Credit Rating FICO Score: 422
  • Loan Product Nomenclature: 12Mo/CCCL
  • Applicant’s Area of Residence: Wilkes Barre
  • Other Areas of Lender’s Service: Lewisburg, Allentown, Bethlehem, Reading, New Castle
  • Main City of App. Origin: Scranton
  • Applicant’s State: Pennsylvania (PA)
  • Lender Classification:  CCCL
  • Signature Only Loans: ✔
  • No Doc. Loans:✔
  • Unsecured Loans:✔
  • No Credit Checks:✔
  • Bad Credit OK:✔
  • Loan Based on Job Income Only:✔
  • Lender Approved By FUSA:✔

2 Yr. Poor Credit Loan / PA, Harrisburg-York Area, $10000

Unsecured Loan in Harrisburg-York, PA (No Documents)

Our next loan was an unsecured loan over a two-year period with monthly installments at $800 and change. This applicant is a young man at the age of 23 years old who wanted to borrow $10,000 to pay off all of his credit card balances. He works in Harrisburg and grew up in York Pennsylvania. Unfortunately, he had no way of getting approved by his bank either (which is very common if you read all of our submissions), and with a credit score of 400 he was in a financial situation which was extremely difficult to deal with.

The reason he had credit card balances totaling around $9000 is because he had been unemployed for seven months back in 2010. He had lost his job as a sales rep for a Harrisburg-based bottling company, and he couldn’t find work no matter how hard he tried (thanks to the great recession that started early 2009).

At the time of his application he had a MasterCard balance of $4700, a Visa card balance of $1700, and an American Express card balance just shy of $2500. The actual detailed totals of these balances can be found in the bullet points presented below. So what this loan shark did was approve him for a $10000 loan which was rounded up from his total credit card balance, and charged him a whopping 75% interest rate. Totally illegal, and not recommended by any means. Just as another reminder, we want you to know that this was not an approved lender within our system.

We see the breakdown of this loan over two years and payments of close to $800 a month and the total interest being just under $8500. The total amount of money paid back to the lender was just under $19000. So you see how ridiculous this kind of rate is because you should never be paying back your loan twice over a two-year period. This well exceeds the law as far as usury limits go.

This lender does business in Pittsburgh, Philadelphia, Lewisburg, Bethlehem, Allentown, and Newcastle as well. I know that you may be tempted to try getting a loan with them because you feel desperate and in need of some quick cash, but we strongly recommend that you never try to find a lender like this and do business with them. You need to be careful and stick to legitimate lenders who are not breaking the law. There is other ways around a financial catastrophe that need to be considered long before you are looking at this kind of loan shark. This kind of high interest is just not acceptable by any standards – that includes legally and morally.

The monthly payments on this loan were just over $800 and after 18 months of making payments this borrower moved out of State to Houston Texas where he then defaulted on the loan completely. He was harassed every day with many phone calls threatening him, and even waking him up in the middle of the night. He ended up just disconnecting his phone altogether and going underground. We don’t even know the final outcome of the situation, and even if this shark got their money back as they were planning. A complete cluster.

Loan App for 2 Year Installment Loan in Harrisburg-York Area, PA

  • Borrower’s Visa Balance: $1747
  • Borrower’s Mastercard Balance: $4713
  • Borrower’s American Express Card Balance: $2466
  • Total Credit Card Debt: $8926
  • Finalized Approval of Loan: $10000
  • APR: 75% (loan shark rates)
  • Monthly Payment: $767.33
  • Total Monies Paid Back: $18415.92
  • Total Interest: $8415.92
  • Loan Term Length: 2 Years/24 Months
  • Credit Rating FICO Score: 400
  • Loan Product Nomenclature: 2 Yr./CCCL
  • Applicant’s Area of Residence: York
  • Other Areas of Lender’s Service: Bethlehem, Lewisburg, Allentown, Reading, New Castle
  • Main City of App. Origin: Harrisburgh
  • Applicant’s State: Pennsylvania (PA)
  • Lender Classification: 2 Year Loan Providers (shark)
  • Signature Only Loans: ✔
  • No Doc. Loans:✔
  • Unsecured Loans:✔
  • No Credit Checks:✔
  • Bad Credit OK:✔
  • Loan Based on Job Income Only:✔
  • Lender Approved By FUSA:✘

3 Year Unsecured Loan / PA, Pittsburgh-Butler Area, $20000

Loan in Pittsburgh-Butler Area, PA - No Collateral, Income Only

Our third loan comes to us from Pittsburgh PA (and Butler area). This was also a loan shark and they were put out of business only three months after this so-called “approval” was finalized. This borrower needed a loan badly to try and consolidate all of his credit cards as well. He needed a bank or credit union to give him the loan based on his income (only) that he got from his job as a distribution manager for a plant operating out of Pittsburgh.

This was a three-year loan with 36 installment payments of around $1200, and the total interest on this loan over the note was a crazy $23000. The actual finalized approval on this so-called loan was a principal of $20,000 – he owed Visa Gold Card $4500, American Express $8000, and MasterCard $5300. All of these are rounded up or rounded down from the data in the bullet points below.

This lender is certainly predatory in our opinion – charging the customer 62% and scooping more than double the amount of the principal on the term.

If you use the loan calculator we have at the bottom of the page you are actually calculating the amortization rate as well. This is a very accurate loan calculator if you want to find out what your total amount of interest will be on the entire life of the loan, and the monthly installment payment you will be paying if you decide to sign up for an agreement with a lender.

The reason this borrower was duped into getting a loan with this shark is because he had a really bad credit score of 330 approximately, and he had a very bad payment history with TransUnion and Equifax. His parents lived in the City of Butler at the time and have recently moved down to Miami Florida in their retirement – he tried to get a loan with them to sort out his credit card debt but they denied him. He felt extremely embarrassed even asking his parents for help with his debt, and this is another reason why he ended up falling into the trap of a predatory lender. Once again, you need to avoid this at all costs.

Whenever you are approached by a predatory lender (loan shark) always look at their rates and terms, and then go back and use one of our calculators to figure out what your total responsibility would be over the term of the loan. Once you have that figured out you should be looking at the total amount of interest you would be paying back over the entire life of the loan.

This lender was online at the time and they advertised that they provided signature loans with no credit checks and based on income only.

Loan App for 3 Years (Job Only) Loan in Pittsburgh-Butler Area, PA

  • Borrower’s Visa Balance: $4562
  • Borrower’s Mastercard Balance: $5295
  • Borrower’s American Express Card Balance: $8000
  • Total Credit Card Debt: $17857
  • Finalized Approval of Loan: $20000
  • APR: 63% (loan shark class)
  • Monthly Payment: $1,185.52
  • Total Monies Paid Back: $42,678.72
  • Total Interest: $22678.72
  • Loan Term Length: 3 Years/36 Months
  • Credit Rating FICO Score: 332
  • Loan Product Nomenclature: 3 Yr./CCCL
  • Applicant’s Area of Residence: Butler
  • Other Areas of Lender’s Service: Bethlehem, Reading, New Castle, Lewisburg, Allentown
  • Main City of App. Origin: Pittsburgh
  • Applicant’s State: Pennsylvania (PA)
  • Lender Classification: Bad Credit Loan Provider (shark)
  • Signature Only Loans: ✔
  • No Doc. Loans:✔
  • Unsecured Loans:✔
  • No Credit Checks:✔
  • Bad Credit OK:✔
  • Loan Based on Job Income Only:✔
  • Lender Approved By FUSA:✘

4 Year Unsecured Installment Loan / PA, Philadelphia-Camden Area, $6000

Unsecured Loan in Philadelphia-Camden, PA (No Credit Check)

The fourth loan today was with an approved lender that is still in our system because they follow all of the laws of Pennsylvania in regards to their usury rates, and you can see that they have a 17% APR on this loan.

This was a pretty good deal for the borrower and since the loan was over four years with 48 installments of just over $170 (monthly) it was certainly affordable within a modest budget. This borrower was a 32-year-old single mom who is raising three kids on her own. She lived in Philadelphia, and worked in the Camden area of New Jersey. She would commute across State lines every day to her work as a receptionist for a chiropractor based out of Camden.

As in keeping with all of these loans, this borrower had three credit card balances that were bothering her and she just wanted to get it cleaned up with the consolidation. She owed just over $3800 on her Visa, over $300 on her MasterCard, and close to $7000 on her American Express.

Her told credit card debt was $5800 and the lender provided a principal of $6000 to be paid back over a four-year term. The APR was only 17%, as we mentioned above, and this was reasonable bringing her total interest in at $2200 for the four years.

She chose to have monthly payments. She was offered biweekly payments on this loan, but she didn’t want to be paying out every two weeks. She gets paid on the last Friday of each month, so she wanted to keep things simple.

Now you may be wondering where you can get a loan for four years at this rate as well, and this lender is within our system providing loans to people across Pennsylvania and in New Jersey. However, take a good close look at the credit rating of this applicant – her credit score was close to 640, which is workable with most lenders if you have a full-time job and a fairly decent payment history under your belt.

Unfortunately, this lender advertises that they provide signature loans based on income only but in fact they do end up carrying out the traditional credit checks. Therefore we have show this in the listed parameters below.

In reality, if you want to get a fair interest rate, and you have a fair credit rating, you are going to have to follow the traditional process of providing documents to the lender, and they will be doing a full credit check on you before your loan is approvaled.

Loan App for 4 Year Installment Loan in Philadelphia-Camden Area, PA

  • Borrower’s Visa Balance: $3843
  • Borrower’s Mastercard Balance: $345
  • Borrower’s American Express Card Balance: $1677
  • Total Credit Card Debt: $5865
  • Finalized Approval of Loan: $6000
  • APR: 17% (FUSA approved lender)
  • Monthly Payment: $170.71
  • Total Monies Paid Back: $8194.08
  • Total Interest: $2194.08
  • Loan Term Length: 4 Years/48 Months
  • Credit Rating FICO Score: 639
  • Loan Product Nomenclature: 4 Yr./CCCL
  • Applicant’s Area of Residence: Camden (NJ)
  • Other Areas of Lender’s Service: Lewisburg, Allentown, Bethlehem, Reading, New Castle
  • Main City of App. Origin: Philadelphia
  • Applicant’s State: Pennsylvania (PA)
  • Lender Classification: 4 Year Loan Providers
  • Signature Only Loans: ✘
  • No Doc. Loans:✘
  • Unsecured Loans:✘
  • No Credit Checks:✘
  • Bad Credit OK:✘
  • Loan Based on Job Income Only:✘
  • Lender Approved By FUSA:✘

 

Conclusion

So when you look at all of these lenders and borrowers above it’s easy to see why you need to stay clear of predatory lenders and loan sharks. Due to the Internet, many of these lenders are floating around their offers in hopes to find somebody who is desperate enough to accept their terms. We truly hope that you are not one of these borrowers, and that perhaps this post will show you (in clear math) why you want to avoid these unscrupulous kinds of wheelers and dealers.

We encourage you to use the Internet to find all of the facts about the lenders you are talking to, and find out all of the facts in regards to the usury law(s) of your state. Pennsylvania is just like any other state in regards to having loan sharks swimming in shallow water looking for unsuspecting prey. I know that many of the visitors to our site think they are in such a dire financial situation that they are willing to take on this kind of loan. What you should be doing is looking at all other traditional ways of consolidating debt.

Unfortunately, we see applicants who think that they can get themselves out of their financial mess by getting a nontraditional loan like some of these we have documented. They think that they can get a high interest loan and manage the payments, and somehow escape damaging their credit rating further, and digging themselves out of the hole – that’s just not what usually happens.

Sometimes you just have to accept the fact that your credit rating is going to get severely damaged and you are going to have to negotiate with your creditors to pay back all of your debt over an extended period of time.

Even if you hire a trustee or an attorney to negotiate for you, and you pay back pennies on the dollar, that is a better way of doing things even if your credit rating gets destroyed through the process. You don’t want to be helping out these loan sharks – you need to be using the normal channels and normal processes.

If you end up paying an interest rate anywhere above 18% you are actually shooting yourself in the foot. You are not getting yourself any further ahead because your credit card balances are likely in the 18% range anyways. When you are using predatory interest rates, you’re defeating the purpose of a consolidation altogether.

You are better off in the long run if you accept your destroyed credit rating and build up your FICO score over time. There are many things you can do, while you are suffering from bad credit. You can get yourself discharged from personal bankruptcy, and get a prepaid credit card to slowly build up your credit again.

I know it’s painful to claim personal bankruptcy but sometimes it’s the only valid option. Keep in mind though, I’m not saying that you need to claim bankruptcy when you have only $20,000 in credit card debt- far from it. I am talking about personal bankruptcy when you have credit card balances that are extremely high in total and you don’t even have a job to make the minimum payments required.

Once you have your credit rating on its way back to being healthy, then you need to work on ways of finding more income and less expenses. Then it’s just basic math over time, and you may never find yourself in the position where you would be considering taking out a loan with predatory rates.

If you live in Pennsylvania and you need to get a loan with bad credit, you can use the application form below to make your pre-app. What’s good about these pre-apps is that you don’t damage your credit rating any further – because it’s not a formal style application. This is just precursor information provided to over 90 different lenders who provide loans in your State to people who have damaged credit.

Once you have filled out your application and submitted it, you have to wait for one of the lenders (or multiple lenders) to get back to you via e-mail. If you don’t hear back from any lenders within five business days, this usually means that they are not interested in taking on your business. We get some people who get very frustrated and they actually think that we don’t have lenders, but the fact is we don’t have lenders that will approve THEM.

We have an applicant approval percentage of about 63% here, and the other 37% never even get approached by lender(s). Usually this is because the prospective borrower doesn’t provide enough information to satisfy any of the lenders, and they don’t want to waste their time with somebody who is willing to at least give some details about the purpose of the loan and their credit scores. It’s always good to mention what your FICO score is when you make a submission because lenders want to know that you have done at least a little bit of your own homework.

Good luck out there and we hope you get approved soon.

63 Loan Requests

  1. Chris applied for the following loan:

    Purpose of Loan:

    You approved a loan for my ex-wife 4 months ago for $15000 dollars and she had an interest rate of 12% over a 4 year period – I would also like a four year loan.

    I need to get some quick cash ASAP so I can pay my mortgage which is behind two months – if I don’t get this money soon I may get evicted. My wife left me three months ago and she made most of the family income. I really need this loan to get back on track please. Please call me tonight or tomorrow morning. I will be home tomorrow so I can take a call from one of your lenders.

    Tuesday, November 6, 2012 at 9:00 pm | Permalink
  2. Christy applied for the following loan:

    Purpose of Loan:

    I want to consolidate all my credit cards and pay off some others. I got behind due to repairs on my son’s car and now I can’t get caught up. I’m living paycheck to paycheck with no hope in sight, other than tax time. Having one loan instead of several would be easier to manage once I’m caught up. I am desperate to find a loan!! Please help!

    Friday, November 9, 2012 at 6:06 am | Permalink
  3. Monique applied for the following loan:

    Purpose of Loan:

    I need to pay down household expenses and consolidate some bills. I’ve hit a rough time financially as work has been a bit slow and I’m trying to play catch up

    Monday, November 19, 2012 at 11:37 am | Permalink
  4. Linda applied for the following loan:

    Purpose of Loan:

    Pay off high interest loan

    Tuesday, November 20, 2012 at 9:04 am | Permalink
  5. Shana applied for the following loan:

    Purpose of Loan:

    Pay off past due bills

    Tuesday, November 20, 2012 at 11:13 am | Permalink
  6. Brian applied for the following loan:

    Purpose of Loan:

    two vehicles – both broken – medical bills for myself and wife. wife unemployed and can’t find work.

    Tuesday, November 20, 2012 at 6:21 pm | Permalink
  7. Jan applied for the following loan:

    Purpose of Loan:

    I am looking to move to be closer to my new office and also to purchase a computer and a few other things to build my business. I am an investment advisor with Ameriprise. I am also a PGA class A golf professional and generate some additional income through golf lessons during the playing season. I ha e no debt other than a small credit card.

    Wednesday, November 21, 2012 at 4:52 pm | Permalink
  8. Robert applied for the following loan:

    Purpose of Loan:

    Need help paying off payday loans and other bills. Wife only works 1 to 2 days a week because we have 3 kids at home.

    Saturday, November 24, 2012 at 6:47 am | Permalink
  9. Rick applied for the following loan:

    Purpose of Loan:

    I am a single parent and need a loan for car repair expenses & other debt to restructure finances to repair credit status, increase credit score and increase financial stability & future opportunities.

    Saturday, November 24, 2012 at 10:43 am | Permalink
  10. Amanda applied for the following loan:

    Purpose of Loan:

    I was scammed out if 2500 for a personal loan and I was off work on medical leave for 6 weeks. I would like this loan to pay off my existing credit card debit.

    Saturday, November 24, 2012 at 9:03 pm | Permalink
  11. Shirlene applied for the following loan:

    Purpose of Loan:

    I need to pay my daughter’s tution so that she does not get put out of school – I have been doing this for 2 years, family emergencies and tax issues have derailed my progress and I am falling behing in everything. I want/need to get back on my feet – I know I can, I need a break.

    Monday, December 3, 2012 at 3:43 pm | Permalink
  12. Egli applied for the following loan:

    Purpose of Loan:

    The reason I need that amount is because my mom just told me that she has Brest cancer and she asked me if I can helper with 30.000$. That’s the amount of her surgery and treatment together. I know it might seems cheap but it is not where she lives. She lives at Albania that’s where I come from. I have been here 4 years. And I don’t have that amount of money. If you guys can help me it will be amazing. I promise that I will pay everything. I just want my mom to be safe.
    Sincerely Egli

    Tuesday, December 4, 2012 at 11:04 pm | Permalink
  13. Jordan applied for the following loan:

    Purpose of Loan:

    I am looking for this amount to payoff a car note , credit cards and the closing cost on a house. Close on the house on December 17, 2012. I can afford to payback $1200 per month at any interest rate. Please contact me as soon as possible.

    Wednesday, December 5, 2012 at 1:53 pm | Permalink
  14. tara applied for the following loan:

    Purpose of Loan:

    Pay off bills

    Wednesday, December 5, 2012 at 8:59 pm | Permalink
  15. pamela applied for the following loan:

    Purpose of Loan:

    loaned someone cash i didnt have to give they never paid me back my account been in n out of good stature ever since n now christmas is here n i just getting further behind

    Tuesday, December 11, 2012 at 2:57 pm | Permalink
  16. christy applied for the following loan:

    Purpose of Loan:

    Need to catch up on my rent and I also need to cover some cost with my wedding. I’m a single mother that’sust looking for some help.

    Monday, December 17, 2012 at 9:14 am | Permalink
  17. christy applied for the following loan:

    Purpose of Loan:

    neeed to catch up on my rent and also use funds for my wedding. I’m a single mother looking for some help.

    Monday, December 17, 2012 at 9:17 am | Permalink
  18. carrie applied for the following loan:

    Purpose of Loan:

    I’m need some new furniture and want to pay off some bills

    Tuesday, December 18, 2012 at 7:07 pm | Permalink
  19. Jason applied for the following loan:

    Purpose of Loan:

    I need the loan to catch up on all my bills. This way I can pay one amount per month.

    Sunday, December 23, 2012 at 2:43 pm | Permalink
  20. Josh applied for the following loan:

    Purpose of Loan:

    I had a very slow month at work do to a new born and holidays and weather conditions I need the money to catch up on bills and pay my rent before I fall to far behind please help me I have 3 children and a brother along with my wife who are relying on me and I have tried everywhere this is my last chance my rent is due in a few day that’s why my credit has dropped so much in the last week

    Sunday, December 30, 2012 at 5:26 pm | Permalink
  21. Shawn applied for the following loan:

    Purpose of Loan:

    I had back surgery in November to repair 3 damaged discs. I am now having complications and may need another surgery. I am able to work from home so my income has not been affected. I need to get an adjustable bed to relive the pressure on my spine. I have 4 children, two of which are in college, so I can’t come up with the $3500 cost of the bed. My wife and I made the difficult decision to file for bankruptcy in 2008, so we are unable to get a traditional loan at this time.

    Sunday, December 30, 2012 at 11:11 pm | Permalink
  22. Bill applied for the following loan:

    Purpose of Loan:

    Pay off payday loans and other small debts. Trying to get out of the never ending cycle of payday debt and I am in desperate need of just a little extra help.

    Monday, December 31, 2012 at 10:52 am | Permalink
  23. david applied for the following loan:

    Purpose of Loan:

    To have one monthly payment for bills and to improve finances and credit score

    Thursday, January 3, 2013 at 8:59 am | Permalink
  24. Cynthia applied for the following loan:

    Purpose of Loan:

    I need to take care of urgent medical bills, personal needs and put my car in order and most importantly i wanna clear of my credit card bills and know that my loan payment is going to one company instead of different companies.

    Sunday, January 6, 2013 at 2:28 am | Permalink
  25. Richard applied for the following loan:

    Purpose of Loan:

    I have some emergency medical bills, and an upcoming surgery for my son.

    Monday, January 7, 2013 at 7:09 am | Permalink
  26. marc applied for the following loan:

    Purpose of Loan:

    consolidate personal loans that i am paying 1600 a month payments

    Thursday, January 17, 2013 at 12:20 pm | Permalink
  27. Belinda applied for the following loan:

    Purpose of Loan:

    I have overdue bills and I’m worried I will be without electricity or car to get to work.

    Friday, January 18, 2013 at 6:43 am | Permalink
  28. belinda applied for the following loan:

    Purpose of Loan:

    Need to pay off debt and get bills paid up to current. Risking my car being repossed and electricity being shut off.

    Friday, January 18, 2013 at 6:59 am | Permalink
  29. cheryl applied for the following loan:

    Purpose of Loan:

    To pay up my Mortgage/Rent. Recently I have had nothing but bad luck. About 2 months ago I was sick for days which cut back my income and I started falling behind on my bills. Then a month ago I have wrecked my car and all my checks since have went to fixing my vehicle. Now I need to desperately get caught up on my bills especially mortgage.

    Friday, January 18, 2013 at 2:05 pm | Permalink
  30. Karen applied for the following loan:

    Purpose of Loan:

    The purpose of my loan is to take a vacation and throw my sister a birthday party.

    Tuesday, January 29, 2013 at 2:53 pm | Permalink
  31. NURIT applied for the following loan:

    Purpose of Loan:

    I am a single mother of 1, currently couch surfing in Florida . I am in debt for $9,800 and can’t get an FHA loan because I’m about 100 points shy of the required credit score due to losing my job in 2010. Orlando has zillions of cheap condos for sale from 20K and up.

    If you run a credit check on me it will show that I was paying all bills fine until June 2010. Once you get in a hole like that there’s no way to get out unless a lump sum of cash falls in your lap. I was paying $1000.00 mthly for a 2 bedroom and struggling financially due to a V8 gas guzzling old jalopy breaking down on me constantly.

    I desperately need the loan to put an offer on a cheap condo but need proof of funds. If a lender would take a chance on me I could kill two birds with one stone and pay off my debt and just outright buy a cheap condo in cash. Then my son and I could sleep in an actual bed!

    Willing to even do a private mortgage with the lender. Also willing to have the loan payments auto drafted bi-mthly

    Friday, February 1, 2013 at 11:12 pm | Permalink
  32. NURIT applied for the following loan:

    Purpose of Loan:

    RESUBMISSION DUE TO INCOMPLETE INFO:

    I am a single mother of 1, currently couch surfing in Florida . I am in debt for $9,800 and can’t get an FHA loan because I’m about 100 points shy of the required credit score due to losing my job in 2010. Orlando has zillions of cheap condos for sale from 20K and up.

    If you run a credit check on me it will show that I was paying all bills fine until June 2010. Once you get in a hole like that there’s no way to get out unless a lump sum of cash falls in your lap. I was paying $1000.00 mthly for a 2 bedroom and struggling financially due to a V8 gas guzzling old jalopy breaking down on me constantly.

    I desperately need the loan to put an offer on a cheap condo but need proof of funds. If a lender would take a chance on me I could kill two birds with one stone and pay off a big chunk of my debt and just outright buy a cheap condo in cash by adding my tax refund. Then my son and I could sleep in an actual bed!

    Willing to even do a private mortgage with the lender. Also willing to have the loan payments auto drafted bi-mthly

    Saturday, February 9, 2013 at 12:16 pm | Permalink
  33. Mike applied for the following loan:

    Purpose of Loan:

    Looking to pay off tax debt before filing as well as paying off multiple loans. Have you much money tied up in different places that need to be paid off now.

    Tuesday, February 19, 2013 at 5:19 pm | Permalink
  34. Lynn applied for the following loan:

    Purpose of Loan:

    I have several PayDay Loans I want to pay off because of the extremely high interest rate. Every pay period, my money goes towards paying the interest on these loans. I rarely have any left to pay down the principal. I want to get out of this never-ending cycle. I have approximately $8,000 in Pay Day Loans and I am Paying $1,600.00 out of my $2,000.00 paycheck every pay period for the Interest, nothing is going towards the Principal Amount. I have never defaulted or been late with my Biweekly Payments of $1,600.00, but this is draining me and making me late with other routine bills. Getting this loan will enable me to pay off the Principal Amount and get my life and “Paycheck” back. Even though my Credit Score is Low, I can make your loan payment On Time. Obviously, if I can pay out (not willingly) $1,600 every pay period, I can manage your monthly payment (which I sure would be more ressonable than what I am paying out now)! I am a good person who made several huge mistakes by overextending myself with these Pay Day Loans. I just want to pay my bills, get back on track, and end this never-ending payday loan cycle. Thank You for Any Consideration You Can Give My Loan Request.

    Friday, February 22, 2013 at 1:49 pm | Permalink
  35. Gail applied for the following loan:

    Purpose of Loan:

    I am currently out of work due to a work related injury which is being fault in court. In about 5 days, I am going to lose mine & my partner’s medical benefits. My car is about to get repossessed and by failing to pay my rent, I have allowed the house to go into foreclosure! Please help me!

    Thursday, February 28, 2013 at 12:42 pm | Permalink
  36. Tony applied for the following loan:

    Purpose of Loan:

    Behind on bills. Need to get caught up for a fresh start. Since I owe back money on some of my bills i always have to pay extra on everything. If i can get caught up it will free up extra money for savings and improving my family’s quality of life.

    Monday, March 4, 2013 at 9:38 am | Permalink
  37. Tony applied for the following loan:

    Purpose of Loan:

    Behind on quite a few bills. Always have to pay extra towards back balances. Sometimes double.If i can get caught up it would relieve a ton of pressure and allow me to build some sort of savings again and it would give me the fresh start ive needed for quite some time now.

    Monday, March 4, 2013 at 9:50 am | Permalink
  38. Joshua applied for the following loan:

    Purpose of Loan:

    I am in desperate need of this loan. My mother has been diagnosed with breast cancer and she needs the best treatment that my family can get her. This money would start her treatments whether we do radiation or a new treatment called angeoplastons. The latter has better results but cost significantly more. My parents have been self employed their whole life so no insurance means we are responsible for any medical bills, even though the hospitals and programs are working with us to lower the cost we still have to pay for a lot of it.
    I would like to pay this off in a 5-10 year loan and if everything goes well with my wife and I’s new jobs coming up then this loan would be a top priority to get taken care of and payed off in as soon as a year. I have horrible credit due to a family member stealing my credit cards and then leaving and refusing to pay for them. So I didn’t send her to jail and now my lawyer and myself have found a way of at least getting these balances taken care of.
    I will pay back this loan and sense I am in urgent need of it I am willing to deal with higher interest rates. My wife and I have budgeted $950-1050 a month as of right now to pay off this loan. And of coarse if our jobs improve that amount will only go up. Please get with me soon so I can help my family as soon as possible.

    Wednesday, March 6, 2013 at 6:34 pm | Permalink
  39. richard applied for the following loan:

    Purpose of Loan:

    Vehicle loan And to pay off a debt

    Thursday, March 21, 2013 at 3:24 pm | Permalink
  40. Dan applied for the following loan:

    Purpose of Loan:

    I need to lump bills so I can get back on track to a more secure future for my son. I have got 6500 dollars left till I can achieve it but it feels like its never ending so please consider helping me.

    Wednesday, April 10, 2013 at 8:36 am | Permalink
  41. Kevin applied for the following loan:

    Purpose of Loan:

    I want to pay off some debts I am behind on and get my credit score back to where it was. I just need a little help. I just want my credit to improve.

    Wednesday, April 17, 2013 at 5:21 pm | Permalink
  42. Jeffrey applied for the following loan:

    Purpose of Loan:

    I need to take care of my school loans I have defaulted because I had no job out of college but now I do and I want to get it off my back ASAP. This school loan was private and they are threatening with taking legal action.

    Thursday, April 25, 2013 at 4:22 am | Permalink
  43. George applied for the following loan:

    Purpose of Loan:

    Catch up on 4 months of car payment before they repo it and some other past due obligations.

    Sunday, May 5, 2013 at 9:19 am | Permalink
  44. Talaya applied for the following loan:

    Purpose of Loan:

    I had gastric bypass and I am now having complications.I can’t stop losing weight no matter how much I try. I am down to 104 lbs and still losing. I’m not asborbing iron sufficiently. I had to have several blood transfusions. I’ve had a partial bowel obstruction and if it had been a full bowel obstruction I could have died. I need to have
    my intestines routed back to normal but since it’s related to the gastric bypass the surgery wouldn’t be covered under my insurance.

    I have three small kids depending on me. My husband left us so I am all my children have. I need to be healthy for them and not in and out the hospital. I promise to make my monthly payments on time. I have been turned down by banks and credit unions because of my credit score. This is my last hope. If someone would take the chance to see me for me and not just as a credit score number then they will find that I am genuinely a good person. I am dependable and trustworthy but unfortunately have had a rough life. My estranged husband really took advantage of me and is part of the reason why I have poor credit along with the medical bills I acquired before getting health insurance. I pray God will touch someone’s heart to help me. I just want to live a healthy life with my children, put my estranged husband behind me and start over rebuilding my life.

    Wednesday, May 15, 2013 at 3:02 pm | Permalink
  45. john applied for the following loan:

    Purpose of Loan:

    I am a single parent with quite a few overhead bills at home also my daughter is graduating to go to high school. this loan will help me get a head start

    Saturday, May 18, 2013 at 9:34 am | Permalink
  46. john applied for the following loan:

    Purpose of Loan:

    I am a single parent and I have quite a few overhead bills backed up. Also my daughter is graduating to go to high school. This loan will help to give me a head start to balance myself . I have bad credit and no other source of income support

    Saturday, May 18, 2013 at 9:46 am | Permalink
  47. Yvette applied for the following loan:

    Purpose of Loan:

    Need to pay back medical bills, surgeries and testings were not covered by health insurance.

    Sunday, June 9, 2013 at 4:25 pm | Permalink
  48. zachary applied for the following loan:

    Purpose of Loan:

    Debt consolidation

    Thursday, June 20, 2013 at 9:07 pm | Permalink
  49. Eric applied for the following loan:

    Purpose of Loan:

    When I lost my business I lost my car condo and everything else. I have been working for the last 6 years and prior to this job my last employer was paying me but it as late, not the complete amount or sometimes not at all. So that is why I searched for a new job and I need a small loan to get the bill paid current. My car is current going to repossessed and 1 month behind in rent.

    Friday, June 21, 2013 at 9:54 am | Permalink
  50. Elisha applied for the following loan:

    Purpose of Loan:

    Need to pay off small loans and catch up bills. Am a single parent n trying to do my best but my past mistakes have caught up and i just want to pay them off.

    Monday, July 8, 2013 at 9:53 am | Permalink
  51. Eric applied for the following loan:

    Purpose of Loan:

    My mother is behind on the mortgage payments which is technically my responsibility because the mortgage loan is in my name. She has recently fallen into a medical situation is is causing me to cover her bills.

    Saturday, August 31, 2013 at 12:32 pm | Permalink
  52. Stephen applied for the following loan:

    Purpose of Loan:

    Consolidate all payments to one. All of my payments are more than i bring home. I keep borrowing from one to pay another. I have nevr been able to get everything consolidated, and it just gets worse. I need to get everything down to one payment.

    Thursday, September 5, 2013 at 11:38 pm | Permalink
  53. Angie applied for the following loan:

    Purpose of Loan:

    Trying to save my property from foreclosure. The sale is sept 28,1013. Tried many ways to cure default but no luck

    Monday, September 23, 2013 at 2:17 pm | Permalink
  54. Jennifer applied for the following loan:

    Purpose of Loan:

    To get by pay my mortgage ft the month and get some food in the house and some baby food and formula for my 9 month old baby

    Tuesday, September 24, 2013 at 12:59 pm | Permalink
  55. Richard applied for the following loan:

    Purpose of Loan:

    I had some credit issues in the past on top of some identity theft but I’m working my way back. My landlord is moving back in and I need the 20 grand to purchase a house for my wife i and 2 young kids. I am trustworthy and will make payment on time.
    Thank you

    Thursday, September 26, 2013 at 2:49 pm | Permalink
  56. Gregory applied for the following loan:

    Purpose of Loan:

    Credit suffering from divorce some years back plus business crash. Cant get ahead enough with current contract volume; but want to work my way out of my own mess. Have been approached by a multi-store retailer about servicing their account, which would be a tremendous cash flow increase. Need cash to upgrade equipment and supplies in order to accomodate this new business.

    Thursday, October 17, 2013 at 11:25 pm | Permalink
  57. Carl applied for the following loan:

    Purpose of Loan:

    Rent

    Wednesday, October 30, 2013 at 8:53 am | Permalink
  58. Shannon applied for the following loan:

    Purpose of Loan:

    debt

    Tuesday, November 12, 2013 at 7:36 am | Permalink
  59. Robert applied for the following loan:

    Purpose of Loan:

    I need to pay off some debt. Trying to get out of debt. Need to get help for my fiancé. I can make high monthly payments for repayment if the loan. Please I need this loan ASAP.

    Tuesday, November 26, 2013 at 8:21 pm | Permalink
  60. Dianna applied for the following loan:

    Purpose of Loan:

    pay off some bills to have less money going out

    Wednesday, November 27, 2013 at 11:03 am | Permalink
  61. Jennifer applied for the following loan:

    Purpose of Loan:

    i just lost my job and my husband doesn’t make enough to pay all bills and rent on his own. We have 6 kids all tigether and just recieved an eviction notice. Not only do we have no money for christmas but now we are about to be homeless as well! I need money to catch things up and buy us some breathing room untill i get a new job.

    Friday, November 29, 2013 at 6:07 am | Permalink
  62. Bridgett applied for the following loan:

    Purpose of Loan:

    Bills and also for credit improvement.

    Monday, January 13, 2014 at 3:14 am | Permalink
  63. Dan applied for the following loan:

    Purpose of Loan:

    pay off student loan debt and purchase needed equipment for business

    Tuesday, March 25, 2014 at 3:26 am | Permalink

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