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$2000 – $10000 Personal Loans With Bad Credit – NC, SC, GA, ALA

Today we are going to talk about personal loans that are all purpose loans applied for and approved for people who have different needs.

We are going to use four examples of people who have applied for personal loans in four different USA states – Alabama, South Carolina, North Carolina, and Georgia.

All of these loans were applied for by people who have really bad credit scores. Their predicaments were completely different in regards to why they needed a loan, and their locations, ages, marital statuses, and income levels were completely different. The other thing that wasn’t in common with these personal loans was the amount of money they were trying to borrow.

Sandra who came from to us (our website) from Montgomery, Alabama wanted a personal loan for $4000 so she could replace a broken furnace and heating system in their house, while over in Columbia South Carolina, Michael needed an all purpose loan for reasons that were undisclosed completely, but much of the money was used to pay off emergency debts.

 

 

The same thing with Bartholomew in Greensboro, North Carolina, and Betty in Atlanta, Georgia. Bartholomew needed to borrow $2000 just to pay off a few of his payday loans and some other personal debts, and Betty needed to borrow at least $20,000 to cover some medical emergency expenses for a family member. So you can see that some of the reasoning behind why they needed the loans were different, and sometimes self-inflicted, while other times emergency situations sprung upon them like a nasty cat.

We are proud to say that every one of these loan requests was fulfilled right here on our website using our database of private lenders who were willing to help these people with some personal financing at fairly competitive rates. Don’t get me wrong – the interest rates they paid on these loans were not cheap by any stretch of the imagination, but they were also legal in regards to APR.

Of course, the truth is we can’t be 100% sure what each lender charged the borrowers in these cases, because we never did get any feedback from the borrowers in regards to the fee structure and the interest rates that were agreed upon in each lending agreement.

So without any further ado, we will begin discussing each one of these personal loans on an individual basis so you can see why they needed the loan and what their resulting APR (effective annual percentage rate) was on each deal. Please keep in mind that at FUSA we don’t make any money in commissions whatsoever between the borrowers and the lenders. This is a voluntary website whereby people can meet to lend each other money. We are not responsible for the actual lending that takes place or the fee structures, but as we always mention, we like to be told by e-mail if some lenders are practicing shady tactics in regards to trying to charge upfront fees and loan shark rates.

$4000 Personal Loan in Montgomery Alabama for Betty – Furnace Replacement

So first of all we’re going to travel over to Montgomery Alabama where Sandra was in dire need of a furnace replacement in their family home. Betty has five people living in her home, which includes herself, her husband, and her three children - ages 7, 10, and 17. Two boys and two girls.

She wanted to borrow $4000 from a local bank in Montgomery but neither her credit and her husband’s credit ratings were acceptable enough to be approved for financing.

Getting a personal loan was completely out of the question as far as their bank was considered. Even at the Tri-Rivers Federal Credit Union where they held their mortgage, they couldn’t get approved for a $4000 personal loan or line of credit (LOC). When they checked out their FICO scores they could see why there was no way they could get approved. Betty’s credit score was 570, and her husband’s Frank’s score was 610 – both of those scores wouldn’t be conducive to a bank approval.

So Betty used one of our websites to put a quick pre-application form through for her personal loan of $3000-$4000, in an attempt to get approved with a private lender who lived in the nearby area. As a result she was contacted by a lender who lives in Birmingham, Alabama. This particular lender’s terms weren’t that outrageous, but they certainly were charging interest on the note than your conventional banker would . They needed to pay the loan off over the next six months, so this wasn’t a short-term payday loan, or cash advance kind of deal. This was a installment loan which required payments every two weeks for six months – in other words twelve payments and total.

Below is a calculation for her four thousand dollar personal loan from a private lender.

  • Principal = $4000
  • APR = 14%
  • Term Length = 6 months
  • Total to be paid back = S4150.77
  • Interest on loan = $150.77
  • Biweekly payments = $318.42
  • Conventional Bank That Refused The Loan = Tri-Rivers Federal Credit Union

$8000 Dollar Personal Loan in Columbia South Carolina For Michael – All Purpose Loan

The next private lender loan we will talk about was for Michael who lives in Columbia South Carolina. This was just an all-purpose loan for $8000 so that Michael could pay off some student loan debt, credit card debt (visa), and the overdraft on his main checking account. This kind of loan is extremely typical as most people are trying to clear up various debts that have accumulated over a period of time.

Just like Betty from Alabama, Michael had a seriously bad credit rating from years of late payments, defaults, and general bad money management practices.

Michael tried to borrow $15,000, then $12,000, then $10,000, then $9000, and finally ended up getting a loan for $8000. $8000 wasn’t quite enough for him to completely pay off all of his debts, but it was pretty darn close. Michael applied online through the FUSA network as well, and found himself being approached by three different lenders who use our database. Two of these lenders were subprime mortgage companies, who wanted a piece of equity on his home, and then the other lender was a private citizen who lent money to individuals for short-term gains.

This private lender lives in Charleston South Carolina and lends money to individuals throughout the State. You couldn’t really qualify this lender as a loan shark, because his rates are actually lower than your typical payday loan or cash advance company. He charges $18 for every $100 borrowed if the loan is only for one month or less. He charges $21 for every $100 borrowed if the loan is for two months or more. Fairly reasonable if you consider what your bricks and mortar banks are charging these days if they decide to even give you a loan. Below you can see the actual effective APR on Michael’s loan for $8000. Keep in mind that Michael cashed some shares in from his E-Trade account at the end of the month in order to pay this loan off.

  • Principal Loan = $8000
  • Fee Per $100 Borrowed = $18
  • Length of Term = 28 days
  • Total Paid Back to Lender: $9440
  • Total Fees Paid to Lender: $1440
  • Total Effective APR on Loan: 234%
  • Conventional Bank That Refused The Loan = First Citizen’s Bank

$2000 Personal Loan in Greensboro North Carolina For Bart – Pay Off Payday Loans

Meanwhile over in Greensboro, North Carolina Bartholomew was trying to get a small personal loan for $2000, which he planned to pay back in 14 days after he got paid from his employer. The problem was that he couldn’t find any lenders in all of the state of North Carolina that would lend more than $1500 to him at a time, and this includes even if he was a repeat customer.

This is an expensive APR on this particular loan. Bartholomew wants to pay all the money back in one lump sum in two weeks time and wanted to pay the smallest amount of money in fees and charges. He was specific enough to mention that he wanted a no teletrack payday loan and a no faxing payday loan. He wanted to be approved with lightning efficiency and a hassle-free online process. In fact, he wanted a 100% online approval and funding of the note.

This is a very normal request these days online, as so many people need to borrow more than $1500 but there isn’t really any companies that can do that legally. I mean sure, there are loan sharks and some pawnshops that were willing to give him some money if he had some kind of collateral and equipment, coins, or basic valuables, but none that would lend him $2000 as a signature type loan.

He had no choice but to utilize a payday lender in Greensboro for the full amount of $1000, and borrow the other thousand dollars from his employer as an advance on his upcoming paychecks. This is something you really don’t want to do unless you are forced to. In this particular case Bartholomew was going to be paying a higher interest rate on his new loan which was almost just as bad as his combined interest rates on his other payday loans. He really wasn’t going to gain that much in the process except for maybe slowing down the collections phone calls from the existing payday loan companies in his area. If anything, it was just a brief interlude and break from the collection agencies. His only real way out of this mess was to find some cheap money with an interest rate lower than 5% to 6%, and the only kind of consumer level credit that gets that low is a HELOC (home equity line of credit). And here in lies the rub – Bartholomew doesn’t own a property (well he didn’t own anything like that at the time of his online application).

Below is a calculation for 14 day term on the payday loan of $1000, and just for giggles we will do the same calculation for 14 day term loan at $2000. Fee per $100 borrowed equals $30

  • Principal Payday Loan = $2000
  • Loan Term Length = 14 days
  • Fee Per $100 Borrowed = $30
  • Total Paid Back to Lender: $2600
  • Total Fees Paid to Lender: $600
  • Total Effective APR on Loan: 780%
  • Conventional Bank That Refused The Loan = Wells Fargo

$20,000 Dollar Personal Loan in Atlanta Georgia For Sandra – Medical Emergency

Our last private loan was a personal loan for Sandra for $20,000 in Atlanta Georgia. The lender who provided Sandra with the money was another older woman who lived in Augusta Georgia. The lady in Augusta requested an interest rate of 14% on the $20,000, and she wanted the money pay back completely within three years. We can do that calculation for you below as well. The lender had experience with the costs associated with a medical emergency, and she really didn’t have the resources to pay off 20 grand in a short period of time. Sandra has a job as a nursing assistant (ironic don’t you think) and makes pretty decent money working full-time hours in Atlanta.

As you can well imagine the lender and Augusta wanted some really solid proof of earnings, employment, identification, and the purpose of the loan. There was some hoops for Sandra to jump through before she could get the loan, but in the end she did manage to scrape together the necessary documentation so she could get approval. The medical emergency was for a quick cancer removing surgery on her husband’s testicles. He had already had some operations for testicular cancer in the past, but his insurance money had tapped out at the top and he needed this extra cash to get another portion cut out. Not a good thing by any stretch.

So the purpose of Sandra’s personal loan from another private lender in the same State, we are going to calculate the payments she ended up making over the next three years. You can see all of his data below.

  • Principal Loan = $20,000
  • Interest Rate = 14%
  • Loan Term Length = 36 months (three years)
  • Total Amount to be paid = $24,315.86
  • Total amount of interest = $4,315.86
  • Payments per month = $666.19
  • Conventional Bank That Refused The Loan = Capital City Bank and Trust Company

This wraps up this discussion and journal on our four applicants and borrowers from Alabama, North Carolina, South Carolina, and Georgia. We are once again, happy to see all of these people using our site to make their pre-applications, and to see that they found some willing lenders who played fair ball. We will continue to document more of these loans going forward into 2012. We are happy that you found this to be an interesting read – or perhaps something you can certainly relate with.

101 Loan Requests

  1. Marshall applied for the following loan:

    Purpose of Loan:

    Need 15000 to repair our garage roof which is sagging and has some water damage. When it’s fixed we’ll sell the house. I would like to pay this loan back over the period of 2-3 years please. Thank you very much for listening and please tell the lenders that I can start making monthly payments of $400 right away.

    Marshall

    Sunday, October 30, 2011 at 9:12 am | Permalink
  2. Denise applied for the following loan:

    Purpose of Loan:

    I got a loan with FUSA about 2 years ago and I paid back the private lender all the money on time. I need this money to pay off debts with the City and to get a newer car. Mine is overdue to be junked out. I just want to thank your for my past loan because it really helped us out. Please see my record with FUSA being A+++. The last lender can’t lend more than $5000 so I need a different lender that will lend over $5000 – please pass this along to the lenders, and thanks again sooooo much.

    Sunday, October 30, 2011 at 9:18 am | Permalink
  3. jeanne applied for the following loan:

    Purpose of Loan:

    in dire need need to pay of other debt and just have one affordable payment a month.

    Wednesday, November 9, 2011 at 10:39 am | Permalink
  4. Christin applied for the following loan:

    Purpose of Loan:

    Need money to pay medical bills off.

    Wednesday, November 9, 2011 at 12:36 pm | Permalink
  5. Corey applied for the following loan:

    Purpose of Loan:

    Need money to pay off student loans and medical bill

    Wednesday, November 16, 2011 at 11:20 am | Permalink
  6. charles wheeler applied for the following loan:

    Purpose of Loan:

    buy rv

    Monday, November 21, 2011 at 11:19 am | Permalink
  7. brian applied for the following loan:

    Purpose of Loan:

    I desperately need this loan to start a new life for me and my son.

    Sunday, November 27, 2011 at 7:19 pm | Permalink
  8. Harold applied for the following loan:

    Purpose of Loan:

    This is a purge amount ordered by Dekalb County court for child support payment that is in the arrears.

    Monday, November 28, 2011 at 10:19 am | Permalink
  9. Jonathan applied for the following loan:

    Purpose of Loan:

    I seek the money for a down payment on a new car. I am currently driving a 1990 Mercury Sable that is starting to break down and have me stranded on the road. I have found a great deal on a 2011 Nissan Versa with 7000 miles for $16,000. To get financing on it I need to put $5000 down on it. I have $2000 cash and need a short term installment loan for the rest of the down payment.

    Sunday, December 4, 2011 at 11:52 am | Permalink
  10. Kisha applied for the following loan:

    Purpose of Loan:

    Family emergency and short almost 2000. I have very little credit but most lenders look for more than what I have. PDL have been over run the brokers etc with no reliable source. Other family would would normally lend are low on cash. I am reliable and constistant. Single parent.

    Monday, December 5, 2011 at 11:08 am | Permalink
  11. MTFerguson applied for the following loan:

    Purpose of Loan:

    Personal loan. I fell behind in my car payments and am facing a repossession. Without my vehicle I am unable to get to work, my job is not off a busline.

    Monday, December 19, 2011 at 8:51 am | Permalink
  12. christina applied for the following loan:

    Purpose of Loan:

    all purpose loan.i need to pay off some bad checks from years ago so i can get the warrants taken off.so i can get a i.d&apply for bankrupty.also would love to be able to pay my rent get some christmas.most importantly i need to go to the dr for my disability.my lawyer rd pitts says if i can go to the dr get my meds my liver enzymes score he can get me in front of the judge right away.i drew disablity but they cut me off cause i got into some trouble.i had to reapply and i have a lver disease now that i did not have before.i need treatment.i can only pay up to 300.oo back every month.until i get my back pay.i dont care if i have to pay back a xtra 1500.00 or 2000.

    Wednesday, December 21, 2011 at 3:16 pm | Permalink
  13. Carol applied for the following loan:

    Purpose of Loan:

    Install new heating/air system in home

    Wednesday, February 15, 2012 at 9:41 am | Permalink
  14. betty applied for the following loan:

    Purpose of Loan:

    My husband passed away with cancer. I did not work and he owned two business I cannot run. I rent the property now and I am in the process of a mortgage on my home to consolidate all my bills. But mean time I am in a crunch. I have to pay taxes on my propertys, and pay up some small bills til I get this mortgage to consolidate everything. I need this quick to avoid paying more in late penalties. I also need to make minor repair to my home before I close. I can and will pay this loan off in 60 days or less. As soon as I close. The truck makes this a no risk loan as it is worth double what I need to borrow. I do need a contract to protect me and the lender in putting this truck up. This truck is very sentimental to me.

    Saturday, March 10, 2012 at 2:13 pm | Permalink
  15. betty applied for the following loan:

    Purpose of Loan:

    I have taxes to pay for my home and commercial properties. I also have to pay some bills up until I get mortgage closed. I had an unexpected emergency come up with emptied my savings. I am willing to put my 2001 Chevrolet C-6500 rollback up for this loan. It has a loan value of $23,000. I will repay this loan quickly. God Bless

    Saturday, March 10, 2012 at 3:38 pm | Permalink
  16. Rich applied for the following loan:

    Purpose of Loan:

    To get house payment caught up, to some other bills caught up and need to take some college classes to keep my teaching certificate

    Wednesday, April 4, 2012 at 8:42 am | Permalink
  17. Lori applied for the following loan:

    Purpose of Loan:

    Left con-artist – am trying to get get my life back together on next to nothing

    Friday, April 6, 2012 at 9:00 am | Permalink
  18. Latriece applied for the following loan:

    Purpose of Loan:

    I am a mother of 5 children in desperate need. I would have to pay this back over a course of 5 years. I’m having financial hardships at the current moment. My lights are about to be turned off, I’m under eviction on May 2, 2010 and I need to purchase a car.If i could get this money that would be a way of starting over. And also so my children and myself can have. It would be more than appreciated. Please help me on this. I promise you 110% you will get the money paid back in full. I don’t even care about the interest rates. Thanks in advance

    Tuesday, April 24, 2012 at 12:51 am | Permalink
  19. Latriece applied for the following loan:

    Purpose of Loan:

    I am a mother of 5 children in desperate need I Have No Money To Send First For Any Kind Of Fees.I need a real lender where they can take the fee out the loan amount. I would have to pay this back over a course of 10 years. I’m having financial hardships at the current moment. My lights are about to be turned off,I’m under eviction on May 2,2010 and I need to purchase a car.If i could get this money that would be a way of starting over. And also so my children and myself can have. It would be more than appreciated. Pleasehelpmeon this. I promiseyou110% youwill get the mone

    Saturday, April 28, 2012 at 5:56 am | Permalink
  20. Chris applied for the following loan:

    Purpose of Loan:

    I have to pay for a divorce, a totaled car that wasnt insured, and consolidate my debt into one payment.Requesting for a long term payment plan as well.

    Saturday, April 28, 2012 at 7:14 am | Permalink
  21. Chris applied for the following loan:

    Purpose of Loan:

    I have to pay for a divorce, a totaled car that wasn’t insured, and consolidate my debt into one payment. Requesting for a long term payment plan as well.

    Saturday, April 28, 2012 at 7:17 am | Permalink
  22. mel applied for the following loan:

    Purpose of Loan:

    I got sick and was off work for a while, need to catch up on my rent before i am evicted, and the medical bills and household bills are stacking up. Need the loan A.S.A.P., LIKE NOW!!!

    Friday, May 4, 2012 at 12:32 pm | Permalink
  23. Irvin applied for the following loan:

    Purpose of Loan:

    Pay bills that I am behind in.

    Friday, May 4, 2012 at 1:07 pm | Permalink
  24. Angela applied for the following loan:

    Purpose of Loan:

    catch up on some bills and vacation

    Sunday, May 13, 2012 at 5:42 pm | Permalink
  25. Natasha applied for the following loan:

    Purpose of Loan:

    Family emergency.

    Monday, May 14, 2012 at 6:07 am | Permalink
  26. Tammie applied for the following loan:

    Purpose of Loan:

    My husband lost his job and I need the funds to cover current household expenses his check typically pays until his (a) unemployment benefits arrive, (b) he begins a new position with a new company, or (c) both.

    Wednesday, May 16, 2012 at 6:37 am | Permalink
  27. Patrice applied for the following loan:

    Purpose of Loan:

    I have to repair my vehicle, put a down payment on a house for my children and I, and purchase a bed for my children.

    Thursday, May 17, 2012 at 11:13 am | Permalink
  28. Patrice applied for the following loan:

    Purpose of Loan:

    Purchase a bed for my children to sleep on, put a down payment on a house and repair my vehicle.

    Thursday, May 17, 2012 at 11:16 am | Permalink
  29. Hilda applied for the following loan:

    Purpose of Loan:

    Help to my husband to come to my country with 3 kids.

    Thursday, May 17, 2012 at 9:48 pm | Permalink
  30. Calvin applied for the following loan:

    Purpose of Loan:

    I would like to get rid of the debt and revolving accounts that are causing me to use all of my paycheck every week to pay them off.I don’t have paying back my loans, there are just eating up my paycheck every week. With this loan, it would take care of all of my debts and I could start over and also would pay this loan on time. I am in desperate need of this loan for my wedding that is fastly approaching and to provide for my 2 little boys like I want to. Please help me!

    Tuesday, May 22, 2012 at 6:29 am | Permalink
  31. Amanda applied for the following loan:

    Purpose of Loan:

    This loan is to pay off two small credit cards (and close them) and two payday loans. I have learned my lesson with payday loans! Never in a weak moment again will I get one. All my payments are on time with every debt that I have. Once these are paid, I’ll only owe my car payment (which is early each month and I pay extra), house payment (on time or early) and a small personal loan through Prosper.com (on time by bank draft). I have been turned down by every source possible because of my high debt to income ratio. The house, car, etc are all in my name, and with a salary of $32781, I’m a high risk. This loan would pay off the only small debts that I have and give me a little extra to do a couple of home improvements. Thank you for your consideration!

    Tuesday, May 22, 2012 at 1:49 pm | Permalink
  32. JACKIE applied for the following loan:

    Purpose of Loan:

    CATCH UP ON SMALLER LOANS

    Wednesday, May 23, 2012 at 5:08 pm | Permalink
  33. Lawrence applied for the following loan:

    Purpose of Loan:

    Home improvement / bill payments

    Wednesday, June 6, 2012 at 8:52 am | Permalink
  34. ashley applied for the following loan:

    Purpose of Loan:

    auto repair, debt consolidation

    Wednesday, June 13, 2012 at 2:47 pm | Permalink
  35. Darcy applied for the following loan:

    Purpose of Loan:

    Slowly trying to recover from the loss of my well-paying job which occured in 2010. The experience caught me off guard financially and I am still trying to recover. I also experienced identity theft in 2011 which has only added to problem. I have been employed at both of my jobs for over a year and can provide references & employment verification from both. I maintained an excellent credit score through 2010 & take the responsibility of a loan very seriously.

    Thursday, June 14, 2012 at 12:14 pm | Permalink
  36. beth applied for the following loan:

    Purpose of Loan:

    Catch up on what has fallen behind and try to salvage some of my credit.

    Tuesday, June 19, 2012 at 5:10 pm | Permalink
  37. beth applied for the following loan:

    Purpose of Loan:

    To catch up on everything that has fallen behind

    Tuesday, June 19, 2012 at 5:14 pm | Permalink
  38. Jairus applied for the following loan:

    Purpose of Loan:

    Needed to buy a Used Honda Accord…Need Vehicle My last car motor blew nned a new car to get to and from work

    Wednesday, June 20, 2012 at 6:40 pm | Permalink
  39. Trisha applied for the following loan:

    Purpose of Loan:

    I fell behind on my mortgage and have been working with my mortgage company since December 2011 for a loan modification. I am still working on the loan modification and was told back in December I could not send in a payment unless it was paid in full so now what I owe is double since December. I feel that they are dragging their feet on my loan modification and I am to scared to keep waiting. Please some contact me.

    Friday, June 22, 2012 at 8:23 am | Permalink
  40. jennifer applied for the following loan:

    Purpose of Loan:

    i want to pay off title loan on my car & pay for some repairs on it as well. catch up on some bills & help father who has lost job of 19 years. thank you for your time.

    Friday, June 22, 2012 at 8:38 pm | Permalink
  41. Humberto applied for the following loan:

    Purpose of Loan:

    Investment in business

    Wednesday, June 27, 2012 at 7:17 am | Permalink
  42. Antonio applied for the following loan:

    Purpose of Loan:

    pay off bills and fix up car

    Wednesday, June 27, 2012 at 8:11 am | Permalink
  43. LaToya applied for the following loan:

    Purpose of Loan:

    I am looking for a loan of $500 until the end of the month. I ran into unexpected car expenses, and I need extra money asap. Today, if possible

    Thursday, June 28, 2012 at 10:09 pm | Permalink
  44. Prudence applied for the following loan:

    Purpose of Loan:

    I am about to be evicted and also to pay for my son’s tuition in school. I can pay the money back,

    Friday, June 29, 2012 at 8:26 am | Permalink
  45. ronetta applied for the following loan:

    Purpose of Loan:

    I’m trying to fix air condition that went out. And I’m trying to pay off some debts

    Friday, July 6, 2012 at 10:01 am | Permalink
  46. Jonathan applied for the following loan:

    Purpose of Loan:

    My ex demolished my credit. She maxed out all of my credit cards, used the rent $ I was giving her on make up & saving the rest so she could leave me, and she took my daughter. I need to get an attorney. The attorney fee is $3000. I would like the other $1000 to pay off my payday loan & get away from it altogether. My credit score is 508 due to my ex maxing out all of my credit cards & also not paying rent for 6 months straight even though I was giving her the $ to do so. All of this happened in 2007. She took my daughter & broke up with me. She had met a rich guy online & moved 4 states away to be with him. This was also in 2007. She broke up with him last year, moved back to my state, and now she’s back with him again. He’s a child molester who isn’t allowed to see his own kids. My ex is money hungry & refuses to care for our daughter. She even makes our daughter take showers with her boyfriend who is 34 years old. I need the $ asap. My daughters’ health & emotional well being are at stake. I’ve applied everywhere & I’m always turned down. Please, PLEASE help my daughter & I. I’m on disability for fibromyalgia, so I have steady income. My girlfriend also has steady income. She works for a hospital & makes over $4,000 a month. Please help me.

    Sunday, July 8, 2012 at 12:07 pm | Permalink
  47. Lynn applied for the following loan:

    Purpose of Loan:

    Emergency auto repair and bill catch-up.

    Wednesday, July 11, 2012 at 3:32 am | Permalink
  48. Chris applied for the following loan:

    Purpose of Loan:

    I would like to pay off all my debt and possibly a new/used car. I would also like to pay off my parent’s debt because they are both out of work and I’m paying all their bills and in doing so, I barely had enough to pay my own. I tried with numerous comapanies, but got denied everytime. My girlfriend and I had to move back to their house because I could not afford to have my own place anymore. Please help

    Thursday, July 12, 2012 at 2:40 pm | Permalink
  49. Robert applied for the following loan:

    Purpose of Loan:

    I have some dental bills and i would like to consolidate some smaller loans and credit card debt. This would enable me to save more per month,make some conservative investments and secure a better financial foundation for me and my family.

    Sunday, July 15, 2012 at 11:38 pm | Permalink
  50. angela applied for the following loan:

    Purpose of Loan:

    Purpose of the loan is catch up on delinquent bills . My mother had a stroke and and is in a nursing home in NY. She needed some addtional care that was not covered by by her medical coverage. Taking care of these costs and several trips to NY have have caused me to become delinquent with bills. This has been compounded by becoming a victim of identifty theft, someone has filed amended taxes in my name and my bank account was compromised. My bank account and all associated numbers and cards have been changed, however I see credit inquries on my report and charges not made my me. This is currently being investigated. I am willing to pay back as much as $500/mo. $250 every 2 weeks. An agreemnt that lasts 8-12 months would be ideal and I am sure i would be able pay off earlier than 12 months.I can have the payments pulled directly from my bank account or direct from my check to an account you provide. I am not interested in a teletrack payday loan, I have used pay day loans through 4 Seasons Cash and paid off the loans on time and have an excellent record with them, unfortunately they are no longer accepting new loan requests. I am in need this loan as quckly as possible.
    I am submitting this request for a 2nd time as it seems as if all my information did not go through with my original request

    Tuesday, July 17, 2012 at 10:39 am | Permalink
  51. khufu7 applied for the following loan:

    Purpose of Loan:

    to catch up on some bills and to assist my children in college

    Tuesday, July 17, 2012 at 12:45 pm | Permalink
  52. Lee applied for the following loan:

    Purpose of Loan:

    to pay off debt to patday loans and medical

    Wednesday, July 18, 2012 at 6:14 am | Permalink
  53. Emanuel applied for the following loan:

    Purpose of Loan:

    I overstreched my funds by helping my Mother pay off a her delinquent bills, then had car trouble. so i ended up cleaning out my savings between the two and now im in a bind with all of my other financial responsibilities. please help

    Monday, July 23, 2012 at 11:23 am | Permalink
  54. Billie applied for the following loan:

    Purpose of Loan:

    I have been a nurse for 20 years, Became addicted to prescription pain meds. Lost my job June 2010, prior to that never been reprimended. Have been clean since 10/2010 but required to enter a 28 day treatment facility in order to regain nursing licensure. Currently single Mom of 2 boys trying to save home and rebuild career. Currently making $30,000 less than salary as a nurse.
    5,000 down payment to enter Treatment facilty.

    Friday, July 27, 2012 at 11:18 am | Permalink
  55. Clarice applied for the following loan:

    Purpose of Loan:

    I currently commute an hour and twenty minutes to work (one way). It is my desire to clear certain debts off my credit report so that I can purchase a home closer to my place of employment.

    Friday, July 27, 2012 at 12:29 pm | Permalink
  56. Courtney applied for the following loan:

    Purpose of Loan:

    To go back home in California, I had death in my family.

    Friday, July 27, 2012 at 1:15 pm | Permalink
  57. AKEFA applied for the following loan:

    Purpose of Loan:

    Pay off all Debts, Auto Repairs and use whats left to get ahead and get my children ready for school.

    Monday, July 30, 2012 at 8:06 am | Permalink
  58. Miranda applied for the following loan:

    Purpose of Loan:

    After 21 years of marriage my husband has chosen alcohol and prescription drugs over his family. I resigned from my previous employer to pull out my retirement to invest in a small home that was a fixer upper that turned out to be a little worse off than I had hoped but, it is my diamond in the rough. The home is 51 years old and I tore all the old rotten seals and joist out of the floor and replaced, did a lot of reframing inside and I have a functional bathroom now but, the home is totally exposed all walls and ceiling opened up to add installation and rewiring to bring up to code. Have been staying with friends and family until the home is safe and livable; I desperately need help finishing this home so I can bring my daughters home so they can concentrate on college and not worry about mom or a place to live. My credit is destroyed due to my marriage and I had to file chapter 13 bankruptcy and just walk away from my marriage because I had no fight left in me ; I can’t save someone that doesn’t want to be saved or helped. I just want the basic human needs of shelter, food, clothing, & my daughters secure and safe. Please someone if you can help I can pay $400 a month for 5 years may be a little more I’m trying to get a second job.

    Tuesday, July 31, 2012 at 7:02 am | Permalink
  59. Lori applied for the following loan:

    Purpose of Loan:

    Completely pay off all debt except student loans and start over. Looking for reasonable monthly payments and pay off within 3 – 4 years. CC debt is under $3k but payday loans, which just have to keep rolling over, won’t let me get ahead. Car repairs needed but have been put off. Past BK was due to medical (resolved) and no late payments since! Thank you.

    Wednesday, August 1, 2012 at 9:17 pm | Permalink
  60. Amber applied for the following loan:

    Purpose of Loan:

    We are currently renting our home and our landlords are wanting to sell when our rental agreement is up at the end of this month. They are offering us the first opportunity to buy the house and they are asking $25,000 for the house. We have $5000 that we can put towards it but still need the balance of $20,000 so we can stay in our home. Our landlords are wanting to sell because the man has some health problems and they want to get out of renting their homes. We have 2 little boys. 1 just turned a year old and the other is 3 and we have raised them in this house and really want to buy it. My credit is not the best because my ex-husband has not paid on the accounts that he had agreed to pay on and I have a loan on my credit report that I am disputing because it is not mine but very delinquent. We can pay between $400 and $550 per month and would like to spread it out over 4-5 years if possible and will pay it off sooner if we can. Please if someone can help us out so we can stay in our home. Our lease ends and we must be out if we have not purchased it by August 31, 2012. Please help us so we can stay in our home.

    Tuesday, August 7, 2012 at 7:53 am | Permalink
  61. Roger applied for the following loan:

    Purpose of Loan:

    I have some credit card debt, a co-signed loan, and a some house repair debts that I would like to roll in to 1 loan.

    Tuesday, August 7, 2012 at 2:22 pm | Permalink
  62. KELLY applied for the following loan:

    Purpose of Loan:

    I am at a time where everything has overwhelmed me at once. I was on the road to rebuilding credit to purchase the home I just moved into in April; in June/July my mother passed away, my son moved out of state to go to school, I had an unexpected medical issue that almost hospitalized me, and just had to take Aug rent to pay car repairs. I am a single parent and have to have job to provide for my daughter. I desperately need to pay my Aug rent because my landlord (seller of home) is trying to find a way to get me out of the home so her daughter can move in. I have always paid my rent on time to prove stability and because I’m trying to improve my credit worthiness and I don’t want to give her any leverage or grounds to evict as she has none at this time. I also have other bills that are behind and I need pay down on credit card to not show deliquent and so my score will improve on my credit. I have come so far to go back and have to start over. I don’t want my credit to suffer and I don’t want to be trapped with a payday loan. I don’t feel that is a way out it’s only a temporary fix. I feel if I can get back on my feet I can pull everything together. I am determined and will do what I need to do. I just need someone to give me that break as I have no family to go to. I have faith that there are good people left in this world and if anyone can just help me to keep my home and not have to go through any more devestation so I can move forward especially as a positive influence to my daughter it would be greatly appreciated.

    Wednesday, August 8, 2012 at 10:58 am | Permalink
  63. Melissa applied for the following loan:

    Purpose of Loan:

    I am working and in need of a little help to get caught up due to being hurt on the job.
    My credit score was in the 700′s at one time as I took pride in that but unfortunately due to an accident at work my score has suffered.
    I was seriously hurt and had surgery. I am a very reliable individual and would be of the upmost appreciative for a loan. I am trying very hard to get back on track. Please won’t you help me? I just need a break:)

    Saturday, August 11, 2012 at 1:14 pm | Permalink
  64. Alice applied for the following loan:

    Purpose of Loan:

    I have several tickets I need to pay off, so I can drive. I also have other debt to pay off so that I can have 1 payment, I want to pay bills off to better my credit score.

    Sunday, August 12, 2012 at 6:10 pm | Permalink
  65. Thomas applied for the following loan:

    Purpose of Loan:

    To finish paying for medical treatment

    Monday, August 13, 2012 at 10:49 am | Permalink
  66. Michael applied for the following loan:

    Purpose of Loan:

    I’m looking for a loan shark. I’m looking for a 20k loan / longterm payback (5yrs)
    Open to High interest rates..I’m ok with that. Monthly,ontime payments.

    Let me know please,

    Michael

    Tuesday, August 14, 2012 at 4:03 pm | Permalink
  67. Key applied for the following loan:

    Purpose of Loan:

    My car just went out and I need either 3500 to repair my car. I have some of the money and I really need this car to get back and forth to work.

    Tuesday, August 21, 2012 at 8:56 pm | Permalink
  68. Domonique applied for the following loan:

    Purpose of Loan:

    Emergency funds needed due to apartment fire also car’s motor went out last week. Needs help to get back on feet

    Sunday, August 26, 2012 at 2:04 pm | Permalink
  69. Jon applied for the following loan:

    Purpose of Loan:

    Unexpected expenses caused late payments and needing to pay things current. Looking for 12 months or less to repay.

    Tuesday, August 28, 2012 at 8:10 am | Permalink
  70. Rene applied for the following loan:

    Purpose of Loan:

    I need a new transmission for my vehicle. I also need to consolidate some very high interest loans. Any extra goes to payments on the high interest, so I am unable to save for any repairs.

    Tuesday, August 28, 2012 at 1:54 pm | Permalink
  71. Rene applied for the following loan:

    Purpose of Loan:

    I need a new transmission for my car and I need to consolidate some very high interest loans. I am unable to save money because any extra goes to the high interest loans.

    Tuesday, August 28, 2012 at 1:56 pm | Permalink
  72. hana applied for the following loan:

    Purpose of Loan:

    Husband and I need a loan for new baby, around 5000 that can be paid off in two or three years. Willing to start payment soon as we recieve money. Would really appreciate the help.

    Tuesday, August 28, 2012 at 9:59 pm | Permalink
  73. Jocquin applied for the following loan:

    Purpose of Loan:

    pay off debts to increase credit score

    Friday, August 31, 2012 at 2:26 pm | Permalink
  74. Randy applied for the following loan:

    Purpose of Loan:

    I need to catch up on a past due car payment,but mainly need funding for major dental procedure.(Was out of work for 3 months due to an injury,and got behind on my bills) Looking for a loan that can be paid back on a monthly basis,extended out 18-24 months,with lowest interest rate possible,to help start to rebuild credit after prior(10 yr old)bankruptcy. Just wanting someone to give me the chance to get life back on track,borrowing the least money as possible in the process. Thank you for your time!

    Tuesday, September 4, 2012 at 1:36 am | Permalink
  75. Gayle applied for the following loan:

    Purpose of Loan:

    Im looking to get a loan for 4000 i moved yo Albuquerque NM with the promise of a good job and an apartment it was a big fat lie i have a job that pays me 150 a week i live in a drug infested hotel that coast me 135 a week to live here
    I left a good job in a factory were i made 500 a week gave up my home. Know im behind on my car payment.
    I want to barros the 4000 to catch up my car payment move back to my job that i can have back if i can get back. Pay rent a.d deposits on a home and go back to making my payment on my bills and taking care of my self
    I can make monthly payments on the loan and will pay it off in full
    I would be forever greatful for the help
    Im begging for yhe help i dont want to become homless and lose my car i just want to go back to my job and my life
    Thank you Gayle

    Tuesday, September 4, 2012 at 2:58 pm | Permalink
  76. Tracy applied for the following loan:

    Purpose of Loan:

    I want to pay off debt and have one payment so that I can rebuild my credit. I am a single mother and would give anything to have good enough credit to get my own place for my kid, but the only way I can do that is for someone to help me fund this payoff.

    Tuesday, September 4, 2012 at 5:53 pm | Permalink
  77. Carol applied for the following loan:

    Purpose of Loan:

    I need to repair my car to comute back and forth to work.

    Wednesday, September 5, 2012 at 6:04 am | Permalink
  78. Paulette applied for the following loan:

    Purpose of Loan:

    I need the money to pay some over due bills and to consolidate them to have only one payment.

    Thursday, September 6, 2012 at 9:27 am | Permalink
  79. Paulette applied for the following loan:

    Purpose of Loan:

    I need to consolidate my bilss so i can have only one payment to get back on track

    Thursday, September 6, 2012 at 9:30 am | Permalink
  80. Paulette applied for the following loan:

    Purpose of Loan:

    to consolidate all small credit cards and loans and pay up past due bills

    Thursday, September 6, 2012 at 9:38 am | Permalink
  81. Tony applied for the following loan:

    Purpose of Loan:

    Need the money to get a bigger place for my family Moved to NC in 2011 took a while for me to find the place we are currently in even though it is way to small for us as it is but have recently found places more suited for my family and need to be able to get deposit and first months rent got behind paying rent in two different states please help need this ASAP

    Monday, September 10, 2012 at 5:34 am | Permalink
  82. Helmuth applied for the following loan:

    Purpose of Loan:

    pay off debt and increase credit score

    Tuesday, September 11, 2012 at 5:08 pm | Permalink
  83. chanell applied for the following loan:

    Purpose of Loan:

    bills

    Friday, September 14, 2012 at 10:56 am | Permalink
  84. Sara applied for the following loan:

    Purpose of Loan:

    Finish divorce.

    Monday, September 17, 2012 at 11:32 am | Permalink
  85. Mary applied for the following loan:

    Purpose of Loan:

    Pay off debt.

    Tuesday, September 18, 2012 at 12:13 pm | Permalink
  86. Mary applied for the following loan:

    Purpose of Loan:

    Pay off debt

    Tuesday, September 18, 2012 at 12:23 pm | Permalink
  87. MARTHA applied for the following loan:

    Purpose of Loan:

    FUNERAL EXSPENSES FOR MY SISTER.

    Tuesday, September 18, 2012 at 10:31 pm | Permalink
  88. Jackie applied for the following loan:

    Purpose of Loan:

    Pay Off business debt

    Wednesday, September 19, 2012 at 12:29 am | Permalink
  89. Chris applied for the following loan:

    Purpose of Loan:

    I am having a small issue due to some “red tape”. I need a short term loan(6 mo’s)until this issue can resolve itself. My credit isn’t the best but I promise I am good for the $$. I have collateral but I need to keep it onsite. I am desperately needing this money by tomorrow. Please contact me if you are able to help me or if you have any suggestions. Thank you so much.

    Sunday, September 23, 2012 at 1:20 pm | Permalink
  90. Angela applied for the following loan:

    Purpose of Loan:

    About 2 months ago, I was asked to move out of my family’s home and was given 5 weeks. They said I did nothing wrong, but they were wanting back their privacy. I knew I couldn’t afford it, but knew I couldn’t argue it either. So, I started looking for an apartment for me and my daughter. I found one that includes gas, cable and water, but does not include utilities or internet (internet I can not afford but have to have due to mandatory school laptops now). I have not gotten my own internet because I can not afford the $10-$20 that I could apply for. My recent job has laid us off temporarily due to issues I won’t explain because I’m really not sure if I have that right to do. Not at this time anyway. I have applied for unemployment and was approved but I have not received it yet. I should be though this week, but even that won’t be enough to save me. I have interviewed for a part time job and I do believe (according to the interviewer and the interview itself) I have gotten the position, but it won’t even happen til sometime in the beginning of October because it is seasonal with a possibility of full time after season. I will be going back to my laid off job probably in December, so that will give me 2 jobs where I can pay back this $5000. I am asking for this loan so that I can pay, at most, 3 months worth of bills, plus 3 months (as needed each week of these months) of groceries and gas. Plus there are 2 recent popups on my credit history I want to pay off so they won’t be on there. I need this loan so bad so that I can feel secure in knowing that as each month comes around, I won’t have to worry about how I’m going to come up with the money to pay my bills as I continue to see out a better job for the future of me and my daughter. I did not ask for a layoff, and I did not ask to look for another place to live, but now I can’t pay my current bills at this time, because I now have about $750 extra on my budget. I BARELY had my head above waters before I had to move, now I am drowning. I have tried and been turned down by a bank and I do NOT want a payday loan as that will just make it worse. Please help me with this amount I ask for so that I can put half in savings to go towards 3 months worth of gas, food, utilities, car insurance, phone bills, car payments) and so the rest of this loan can go towards 3 months worth of rent, to pay on balance on my 1 credit card (its only for a $300 credit line) and to payoff 2 recent small creditors fee (total 2 together is $254) I am not wanting this $5000 for materialistic reasons, but only for 3 months worth of bills so that I can continue to seek out better employment without the stress and fear of losing everything looming over me each month. I will pay this back in no longer than 3 years but earlier depending on my work situation. I will use my small unemployment checks to help start paying it back and also my part time job when I start that. I have faith that I can do this and will do this. I need someone to have faith in me to know that I will. I don’t want to lose everything due to other situations that were beyond my control. I know the Lord won’t let me fall and drown, I pray you won’t let me either. Help, I need you. Thank you

    Monday, September 24, 2012 at 9:03 am | Permalink
  91. catherine applied for the following loan:

    Purpose of Loan:

    This past year of court processes surrounding my separation and divorce have left me cash poor. I would like to pay ~5,000 in credit cards that are enrolled in a credit consolidation program because I learned after enrolling that this is very damanging to my credit. I would like to use ~1,500 to pay off attorney fees and the rest as cash “cushion.”

    I am VERY comfortable making payments of up to $500 per month and understand I will have to accept a higher interest rate.

    I am happy to direct my employer to directly deposit loan re-payments direct to the lender’s collection account. I am also happy to provide a copy of my credit report from all three bureaus, pay stubs, child support order and any other information you might need.

    Thank you for your time and consideration.

    Monday, September 24, 2012 at 1:24 pm | Permalink
  92. John applied for the following loan:

    Purpose of Loan:

    I need to payoff some payday loans. I don’t want to start getting behind on my rent and other payments. I also need to address some overdue repairs to my truck. Tires, transmission service, etc. I got the payday loans to help my fiancé get some creditors paid off and now i’ve dug myself a hole. Some of this loan will be used for our wedding.
    I’m looking for a loan that I can pay back in either bi-weekly or monthly installments over 12-18 months.

    Monday, September 24, 2012 at 10:21 pm | Permalink
  93. John applied for the following loan:

    Purpose of Loan:

    I need to payoff some payday loans. I got these loans to help my fiancé payoff some credit cards and only dug a hole for myself.
    I also need to address some long overdue repairs to my truck. Tires, transmission service, brakes, etc.
    some of this money will be used for my wedding.
    I’m looking for a loan that I can pay back in bi-weekly or monthly installments over a period of 12-18 months.

    Monday, September 24, 2012 at 10:41 pm | Permalink
  94. clarissa applied for the following loan:

    Purpose of Loan:

    need to get caught up on some bills had to miss time at work due to daughters illness

    Friday, September 28, 2012 at 7:14 am | Permalink
  95. Antiquenette applied for the following loan:

    Purpose of Loan:

    pay bills due for termination; vehicle up for repossession

    Friday, September 28, 2012 at 9:51 am | Permalink
  96. Durwin applied for the following loan:

    Purpose of Loan:

    Debt consolidation

    Tuesday, October 2, 2012 at 7:19 pm | Permalink
  97. Natalie applied for the following loan:

    Purpose of Loan:

    This loan is for my wedding that is fast approaching. Because of my bad credit it has been extremely hard. Although we have paid some of the costs it is really overwhelming. I am willing to pay any interest for as long as possible.

    Thursday, October 4, 2012 at 9:33 am | Permalink
  98. Andrew applied for the following loan:

    Purpose of Loan:

    Covering company expenses

    Saturday, October 6, 2012 at 6:29 pm | Permalink
  99. Eddie applied for the following loan:

    Purpose of Loan:

    Consolidate multiple accounts into one payment and get some cash.

    Sunday, October 7, 2012 at 8:39 am | Permalink
  100. Junior applied for the following loan:

    Purpose of Loan:

    Pay off pay day loans.

    Thursday, October 11, 2012 at 10:56 am | Permalink
  101. Reginald applied for the following loan:

    Purpose of Loan:

    Pay off some bills ….

    Friday, October 12, 2012 at 10:21 am | Permalink