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510-620 Fico (Credit Score) Unsecured Loans in NY, CA, NC, TX, FL, OH

In all of our documents we have mentioned the borrowers’ FICO scores, which is only natural considering loan approvals and terms depend so highly upon the applicant’s credit score. However, in all of our work we have not created an extensive study showing various different credit score examples with borrowers who have FICOs that fall into a particular range. This is what we will be doing here today.

Here we have six different examples whereby borrowers were approved loans with our lender base and they all had FICO scores between 510 and 620. We thought it would be interesting to take this very small sample of approved applicants who had the same basic problem. All live in different areas of the United States, and they all had different reasons for requiring a loan.

  1. Our first applicant lived in Queens at the time and he had a FICO score of 515, and he wanted to borrow $3000 for a one-year period.
  2. The second applicant lives in Chino, California and wanted to borrow $5000 with installment payments over a period of two years – there fico score was 535.
  3. The third borrower lives in Charlotte North Carolina and had a credit score of 555, with a loan amount of $7000 to be paid back over a three-year term.
  4. The fourth applicant had a credit score of 575 and wanted to borrow $9000 in Dallas Texas – also for a three-year term.
  5. The fifth loan went to a borrower who lives in Columbus Ohio and Shelley wanted to borrow $13,000 over a period of four years. Her FICO score was 615.
  6. We had a borrower from Florida with a credit score of 595 and wanted to borrow $11,000 for 36 months.

So much for being in order, but below we will get into each one of these individual loans.

One of the big issues with having a bad credit score is the time-consuming factor involved when trying to find approval with a lender. It can take an awful long time to find a lender who will do business with you, and even if you do find a lender who will give you a loan, they often attach extremely high APR (annual percentage rate) to the note, making it a cost prohibitive loan for most consumers.

So we have taken a sampling of these different loan approvals to show that it is possible to get a loan approved when people have really bad credit scores. Basically FICO numbers that are all within the 500 to 600 range.

You will see in all of these loans, the amounts they are borrowing are different, the States they live in are different, the reasons for their credit scores being low is different, and the APR on each approved loan is different. With these tables below you will learn about the effective APR they all paid, and the resulting monthly payments they were responsible for going forward.

We will be showing the requested dollar amount of each loan, the applicants credit score, when they last checked their credit score, the reason for their low FICO number, the finalized approved loan amount, the APR, the monthly installment payment, total amount of monies paid to the lender over the term of the note, total interest paid out to the lender on the loan over the term, the length of the term, the loan product nomenclature, the applicant’s area of residence, the main city center closest to the applicant in their State, the other areas their lender provides services in, and (last but not least) the Lenders Classification.

In the end we were very happy to have successful outcomes with all of these loan requests, but at the same time we were concerned about the effective APR on a couple of these loan approvals. Some of these APR levels were getting very close to being disapproved by our team, and when we see APR levels this high we have to talk to the lender to see if interest rates like these are even legal in their State, and if they are legally below their state’s usury limit(s).

510-520 Credit Score Queens NY – Needed $3000 BCL Loan

510-520 Credit Score App. in Queens NYC ($3000)

So for our first loan you can see clearly by the image above (and in the titles) that we are going off to Queens in New York City. This applicant requested a $3000 loan and they want to pay it back with 12 easy installments (one year term). The applicant’s name is Charles (surnames are removed for privacy purposes) and he worked in a grocery store over off of the Union Turnpike and 190th St., called Yin Yang Superfoods. He had been working at this grocery store for three years at the time of his application for this loan, and the reason he needed the $3000 was because he needed to pay off some credit cards that he had accumulated debt on, and could no longer keep making payments every month on all of these cards.

His income wasn’t high enough at the time to manage all the payments on his Visa card, MasterCard, and his American Express card.

The reason that he had a bad credit score in the first place (FICO of 515) is because he had defaulted over three months on to of his credit cards and he had also missed a utility payment and telephone bill a few times as well. This had pretty much destroyed whatever good credit rating he had.

Not long after he was approved for this loan he quit his job with this employer and he moved to East Flatbush and got another job working for Organic Direct which he really enjoys and he’s making more money there too.

This helped him manage his expenses a little bit better, but the biggest thing was that his rent costs dropped by 66% when he made the move because he moved in with some roommates. He is now going to school and getting a trade so that he can earn even more money and get his own apartment again. In the meantime he his responsibility is making his monthly installment payment of $270.

This lender approved this loan with a 20% APR which made the total interest on the loan (over the one-year period) to be around $330 with the total repayment back to the lender of $3300.

The lender in this case has been servicing the entire State of New York and New Jersey, and has been doing so for over a decade now. They have had the odd issues with their own business model, and ironically they were having some debt issues of their own (quite ironic I would say), but they have recuperated with a restructuring and they are doing business with all guns blazing these days. Basically, the great recession of 2009 is what put them dangerously close to being out of business.

This borrower’s bank of choice is Chase Bank on Queens Boulevard and 69th Ave. we always like to add a little bit of information about the bank that doesn’t approve the applicant. ;-)

510-520 Credit Score / Loan Data / Queens NYC Borrower ($3k)

  • Loan Amount Requested: $3000
  • Applicant’s FICO Score: 510-520 Cat. / Actual Credit Score 515
  • When Was Applicant’s Credit Score Last Checked: 2 years
  • Reason(s) for Low/Bad Credit Score: Defaulted payments on credit cards
  • Finalized Approval of Loan: $3000
  • APR (annual percentage rate): 20%
  • Monthly Installment Payment: $273.28
  • Total Paid To Lender: $3324.94
  • Total Interest On Loan: $324.94
  • Length of Loan: 1 year
  • Loan Product Nomenclature: BCL
  • Loan Applicant’s Area of Residence: Queens
  • Other Areas of Lender’s Service(s): Manhattan, Yonkers, Bronx, Levittown, Brentwood, Brooklyn
  • City Center of App. Origin: NYC
  • State of App. Origin: New York
  • Is Applicant Collecting SSI: No
  • Lender Classification: Bad Credit Loan Provider

530-540 FICO Score CA Applicant Required $5,000 Home Improvement Loan

530-540 Credit Score App. in Chino CA ($5000)

For our second loan approval we are going to go out to the West Coast now to Chino California where our young applicant wanted a home improvement loan at a reasonable interest rate. He had a bad credit score as well coming in at 535 FICO. The reason he had a bad credit score at the time is because he was discharged from personal bankruptcy only six months before this application. No doubt that his FICO score would be somewhere in the low 500s.

This particular applicant looked for two months before he was finally approved with one of our lenders.

If you are not familiar with our website, basically you just put in your pre-application at the bottom of any one of our posts and then our lenders browse over the applications and they may (or may not) e-mail you with a request to open a dialogue and gather information about a possible loan. All of these lenders are completely legal and we make sure that.

Anyways, back to this loan applicant in Chino.

As you can well imagine, we get thousands of different applications going through our website out of the State of California, and this particular home improvement loan is a very common request.

This borrower (at the time of this application) lived in the northern area of Chino near Walnut Avenue and Mountain Avenue. And no, I won’t tell you if he lives on Eisenhower Court, Truman Court, Grant St., Hamilton Court, etc. ;-) There is such a thing as privacy you know.

This young and enterprising fellow is building up a body shop business with his two brothers and they have their shop in southern Pomona not far from the Chino Valley Freeway and the Pomona Freeway overpass.

This home improvement loan was so that he could make an addition to a bedroom he has in the house for his two daughters, including brand-new over sized bunk beds, and a new window. The only problem was his credit rating was damaged due to his personal bankruptcy.

So he was eventually approved for a 5K loan over a period of two years on the note, with total interest paid to the lender of just under $900, and $5900 approximately paid back to the lender over the term. This lender also does business in all of Southern California, including the areas of Riverside, Corona, Ontario, Anaheim, San Bernardino Valley, Rancho Cucamonga, and others.

530-540 Credit Score / Loan Data / Chino CA Borrower ($5k)

  • Loan Amount Requested: $5000
  • Applicant’s FICO Score: 530-540 Cat. / Actual Credit Score 535
  • When Was Applicant’s Credit Score Last Checked: 1 year ago
  • Reason(s) for Low/Bad Credit Score: Just coming out of personal bankruptcy
  • Finalized Approval of Loan: $5000
  • APR (annual percentage rate): 17%
  • Monthly Installment Payment: $241.86
  • Total Paid To Lender: $5885.25
  • Total Interest On Loan: $885.25
  • Length of Loan: 2 years
  • Loan Product Nomenclature: BCL
  • Loan Applicant’s Area of Residence: Chino
  • Other Areas of Lender’s Service(s): Riverside, Corona, Ontario, Anaheim, Covina, Pasadena, San Bernardino, Rancho Cucamongo
  • City Center of App. Origin: Los Angeles
  • State of App. Origin: California
  • Is Applicant Collecting SSI: No
  • Lender Classification: Bad Credit Loan Provider

550-560 FICO Credit Score - Daniel in NC Needed $7,000 Moving Loan

550-560 Credit Score for Auto Loan in Charlotte NC ($7000)

Our third loan approval comes to us from Charlotte North Carolina where Daniel had a low FICO score of 555 and he wanted to borrow 7K for at least a three-year term. Danny needed to get himself a used vehicle that would be better on the highway as he was planning to commute from his home in an area called Myers Park (which is South Charlotte basically) up to Greensboro. And from Greensboro he has to travel between Winston-Salem, Raleigh, and Durham. He is a Courier for a company that is based out of Greensboro and has offices in Charlotte as well.

Daniel already had over $5000 saved away so that he could purchase this car but he needed this last $7000 to get a vehicle that was just perfect for his new employment challenges. It was a secondhand SUV from the GMC dealership out in Lowell which is East of Charlotte using Highway 85 (Sen. Marshall Arthur Rauch Highway if you prefer). Having such a low credit score was really difficult for Danny, and as a matter of fact, he couldn’t even get a loan through the dealership because of it. He had no choice but to get approved privately for a loan of seven grand, and below we have some of the details regarding the note.

The reason that Daniel had such a low credit score is because he had just been through a bad marriage separation and divorce proceedings. It got pretty messy because his children were involved and the in-laws were deeply involved in the devastating mess. We don’t want to deal too much with marriage, divorce, and the dramas that ensued – suffice to say that it wasn’t pretty.

This is a very common reason for having a credit score that is down in the dumps, and certainly not a reason why anybody should feel ashamed. Having a bad credit score is something that millions and millions of people are dealing with right now across United States and you just have to accept it and move on. No sense in getting yourself really stressed out about it because it isn’t going to help anyway. Just always remember that if you are ever in a position where you have a really bad credit score, don’t take it personally, and don’t take it out on yourself – just move on and clean up your finances the best you can. Get rid of your credit cards if you can, take measures to lower your monthly bills, and increase your monthly income.

This lender that approved Daniel for his $7000 does business in all of the main centers including Greensboro, Durham, Winston-Salem, and Charlotte. This company does loans for people who have low credit scores as they try to rebuild their credit over time. There are many lenders, companies, or traditional banks (Chase, Bank of America, PNC Bank, Key Bank, etc.) who will lend money to people who are in the same situation as Daniel, and unfortunately this brings out the loan sharks lurking around looking for people to practice their predatory lending on. What we try to do here on our website is steer people away from loan sharks who would just like to exploit them and charge them ridiculous APR levels and cause even more financial strife for unsuspecting borrowers. Anyways, don’t get me going on this because I won’t shut up for another 5 paragraphs!

So, Daniel was finally approved for a three-year loan at approximately $230 (see table below) a month in installments, with a 14% APR (interest rate), four $7000. This bad credit lender ended up making a smooth $1500 in profit over the three years of the loan, and Daniel had to pay back $8500 total – and change. He was happy to get the loan, went off to the dealership in Lowell and bought his GMC SUV secondhand for $13,000.

550-560 Credit Score / Loan Data / Charlotte NC Borrower ($7k)

  • Loan Amount Requested: $7000
  • Applicant’s FICO Score: 550-560 Cat. / Actual Credit Score 555
  • When Was Applicant’s Credit Score Last Checked: 3 weeks prior to app. submission
  • Reason(s) for Low/Bad Credit Score: Marriage Separation & Divorce
  • Finalized Approval of Loan: $7000
  • APR (annual percentage rate): 14%
  • Monthly Installment Payment: $233.17
  • Total Paid To Lender: $8510.55
  • Total Interest On Loan: $1510.55
  • Length of Loan: 3 years
  • Loan Product Nomenclature: BCL
  • Loan Applicant’s Area of Residence: Charlotte
  • Other Areas of Lender’s Service(s): Greensboro, Durham, Raleigh, Winston Salem
  • City Center of App. Origin: Charlotte
  • State of App. Origin: North Carolina
  • Is Applicant Collecting SSI: No
  • Lender Classification: Bad Credit Loan Provider

570-580 Credit Score – Andrea in TX Desperate for $9,000 Car Loan

570-580 Credit Score App. in Dallas TX ($9000)

Our fourth borrower is Andrea who lives in Dallas Texas and she also had bad credit at the time of her application. She had a credit score of 575, which is a little bit better off than our first borrowers, but certainly low enough that traditional banks wouldn’t look at her for more than a nano-second. One of the problems that Andrea had was that she had quite a high DTI (debt to income ratio) and her job was a fairly new one – she had only been working for five months at the time of the loan application.

She works as an exotic dancer in Dallas Texas and she was really having trouble finding anybody that would help her with a loan for a vehicle. When you tell a loan officer that your job is taking your clothes off in bars, the response is not always appropriate, respectful, or “positive”. However, she was ultimately approved through one of the lenders here on site. She works at a place which I will leave nameless, except to say that it wasn’t too far from Live Oak Street and N. Fitzhugh Ave. – you get the drift.

We really don’t have to worry about privacy much on this loan applicant/borrower because she has moved on and lives out in Pennsylvania now. At the time it wasn’t easy for her because she was splitting up with her boyfriend at the time and her mother had a serious medical condition that she had to scrape the money together for. Her mother didn’t have any kind of medical insurance and this left Andrea in the position where she had to pay for all of her costs in life and pay for the medical expenses.

Andrea wanted to get a reasonably priced vehicle (I can’t even remember the model and make anymore) but I think it was a Lexus of some sort. Yeah, it was a used Lexus hybrid that she wanted to buy and needed an additional $9000 to buy it. She ended up getting approved for $10,000 loan anyways, which cleared up the whole situation for her.

Andrea is a tough little girl and she worked really hard (many many long hours wading through alcohol, drunks, and creepy bosses) to get herself in a position where she could afford her new vehicle and look after her mother.

The reason she had the low credit score of 575 is because she ended up giving most of her money to her Mom trying to make her life better and this meant that most of her bills were not getting paid. Andrea does not have a drug problem or alcohol problem, like so many people assume when they think of dancers, and contrary to popular opinion, her childhood wasn’t that bad at all. Her father died when she was only 4 years old in a car accident on his way to work, so her mother raised her all of her 25 years. Anyways, were getting off track and into personal stuff now.

So this lender does business in Fort Worth, Dallas, Arlington, Mesquite, etc.  – their company is not a traditional bank, and they make their money by charging some pretty steep APR levels, and in this case the loan was at a 24% rate. Tough stuff, and you would have to call this a hard money loan (although technically the term “hard money loan” is historically used to describe private loans for spec. based investors), but that was the only choice Andrea had at the time. She was approved for $10,000 total with a three-year term on the note. This private lender made a nice little $3700 in profit over the three years and Andrea had to pay them back $13,700.

The good news is that Andrea ended up moving with her mother to Pennsylvania where she is living with her two brothers now in a big house in Philadelphia (North Philadelphia). Both of her brothers are successful investment bankers and they built a legal basement suite in their house so that they could make some money renting, and in the short-term they helped out of their sister and mother get settled with free rent.

570-580 Credit Score / Loan Data / Dallas TX Borrower ($9k)

  • Loan Amount Requested: $9000
  • Applicant’s FICO Score: 570-580 Cat. / Actual Credit Score 575
  • When Was Applicant’s Credit Score Last Checked: 3 months ago
  • Reason(s) for Low/Bad Credit Score: Medical expenses overwhelmed family
  • Finalized Approval of Loan: $10000
  • APR (annual percentage rate): 24%
  • Monthly Installment Payment: $375.32
  • Total Paid To Lender: $13699.31
  • Total Interest On Loan: $3699.31
  • Length of Loan: 3 years
  • Loan Product Nomenclature: BC-AL
  • Loan Applicant’s Area of Residence: Dallas
  • Other Areas of Lender’s Service(s): Fort Worth, Irving, Arlington, Plano, Carrollton, Mesquite
  • City Center of App. Origin: Dallas
  • State of App. Origin: Texas
  • Is Applicant Collecting SSI: No
  • Lender Classification: Bad Credit Auto Loan Provider

590-600 Credit Score – Tampa FL for $11,000 Loan

590-600 Credit Score App. in Tampa FL ($11,000)

Meanwhile, around the same time a borrower over in Tampa Florida was looking for a loan at $11,000 (and change). He had problems with his credit score because he was unemployed for a year and a half and had to sit there helplessly watching his score get demolished. At the time of this application he had been working for around 7 to 8 months with a brand-new job as an electrician. He has been living and working in the Tampa Bay area for many years and was actually born and bred in Brandon (just east of Tampa if you use the Florida 618 tollroad and the Selmon Expressway toll road. He left Brandon when he was only 15 years old when he went to live with his dad – after his parents had a divorced. He is an excellent electrician and has no problem finding a job usually but he too was wiped out when the great recession of 2009 came along.

Brent needed to find a way to get a loan approved and fast. He had an opportunity to take on a new job but was going to have to get all of his tools replaced because they were stolen from the back of his truck (the insurance company he had at the time didn’t honor their policy – I won’t tell you the name of the insurance company exactly, except to say that it rhymes with “Suntry Tide”). Brent had enough bad luck as it was – being unemployed and not being able the find work anywhere in the Tampa Bay area (or in St. Petersburg, Clearwater, or Lakeland for that matter). He had an opportunity to go in with another guy on a self-employment situation but he needed some capital for tools. This is what went down.

Brent got approved for an $11,000 loan over a period of three years as well, with total interest on the loan being $3200, and a total amount paid to the lender of $14,000. His monthly installments were $390 approximately, and like I said, he had to pay this loan back in 36 easy payments. As it turned out, those payments were very easy because around 2011 his partner and him struck gold and got a deal to do subcontracting for a big construction company based out of St. Petersburg.

Him and his wife ended up moving to an area known as Egypt Lake which is just North of downtown Tampa and just east of the Town ‘N’ Country area. The loan was almost paid off at the time of this writing, and this case had a happy ending due to the fact that his financial situation improved greatly after going self-employed.

590-600 FICO Score / Loan Data / Tampa FL Borrower ($11k)

  • Loan Amount Requested: $11,500
  • Applicant’s FICO Score: 590-600 Cat. / Actual Credit Score 595
  • When Was Applicant’s Credit Score Last Checked: Last month
  • Reason(s) for Low/Bad Credit Score: Unemployment problems (working for last 6 months)
  • Finalized Approval of Loan: $11,000
  • APR (annual percentage rate): 19%
  • Monthly Installment Payment: $389.63
  • Total Paid To Lender: $14221.48
  • Total Interest On Loan: $3221.48
  • Length of Loan: 3 years
  • Loan Product Nomenclature: BCL
  • Loan Applicant’s Area of Residence: Brandon
  • Other Areas of Lender’s Service(s): Town ‘n’ Country, Egypt Lake, Pinellas Park, St. Petersburg, Clearwater, Palm Harbor, Riverview
  • City Center of App. Origin: Tampa / St. Petersburg
  • State of App. Origin: Florida
  • Is Applicant Collecting SSI: No
  • Lender Classification: Loan Provider

610-620 Bad Credit Score – Shelly in OH Wanted $13,000 Personal Loan

610-620 Credit Score App. in Columbus OH ($13000)

Our last borrower we have to present today was out of Columbus Ohio, and she is a single mother with four children, with some help from her parents. Her parents both live in Westerville which is a suburb that is in the far North quadrant of Columbus. Debbie works as a manager for a heavy duty mechanic shop in Southeast Columbus – not far from Jack Nicklaus Freeway and the Southeast Expressway.

She needed to get a loan for $13,000 and she had a credit score of only 615. Although it is great that she got her credit score up over 600, what’s not so great is that she had claimed bankruptcy about six years ago and she is still not completely clean of this from her record. She tried to get approved with the PNC Bank at 763 Neil Ave., but was unsuccessful in that endeavor. She couldn’t borrow any money from her parents either, because she already borrowed over $20,000 over the last 15 years of her life and she wasn’t going to go there again. She didn’t even ask.

So then we went out on her own and tried to find a private lender that would give her a loan for a reasonable interest rate. What her parents did do for her was cosign the loan so that she got a lower APR of 12% on the note.

She was approved for $13,000 to be paid back over a four-year period with $330 per month on the installments. She was thinking about getting a biweekly payment plan to pay things down faster, but the lender didn’t approve a biweekly schedule. They take their money direct deposit from her bank account on the last Friday of each month.

The the total interest on this loan was $3000 (approximate) and the total amount of monies paid back to the lender was just over $16,000. She is doing fairly well financially now and she will be paying this loan off in full, but the biggest challenge she has these days is trying to get time with their children and raise them the way she thinks is best.

It’s really tough when you’re on your own and have just one child, let alone four children.

Debbie gets a lot of help from her parents and the kids often take the bus by themselves up to her parents house in Westerville. She has a friend who lives nearby and they work up in the area of Dublin, so she rides for the kids as far as Northgate before she transfers off to work down E. Dublin Granville Rd.

610-620 Credit Score / Loan Data / Columbus OH Borrower ($13k)

  • Loan Amount Requested: $13,000
  • Applicant’s FICO Score: 610-620 Cat. / Actual Credit Score 615
  • When Was Applicant’s Credit Score Last Checked: Last week
  • Reason(s) for Low/Bad Credit Score: Lack of budgeting / over-spending
  • Finalized Approval of Loan: $13,000
  • APR (annual percentage rate): 12%
  • Monthly Installment Payment: $332.56
  • Total Paid To Lender: $16184.40
  • Total Interest On Loan: $3184.40
  • Length of Loan: 4 years
  • Loan Product Nomenclature: BCL
  • Loan Applicant’s Area of Residence: Cincinatti, Dayton, Toledo, Cleveland, Akron, Youngstown, Mansfield
  • Other Areas of Lender’s Service(s): Dublin / Columbus
  • City Center of App. Origin: Columbus
  • State of App. Origin: Ohio
  • Is Applicant Collecting SSI: No
  • Lender Classification: Bad Credit Loan Provider

Conclusion

So this wraps up our work here today and I hope you have gained a little bit of knowledge in regards to your typical terms on loans that are taken out with unconventional lenders at higher APR levels. If you would like to get a loan approved in your area then you can simply try to use one of our lenders utilizing the quick pre-application form below. As we tell all of our visitors who need a loan approved, make sure you fill in all of the fields required below – it helps if you add as much detail as possible in the last field so the lenders know you’re serious and they have a good idea of where you are at financially. It’s a really good idea to include how much all of your bills cost per month and how much money you are making per month.

It also helps if all of your debts are accumulated on to just credit cards if you are trying to get a debt consolidation loan. It’s much easier for lenders to quickly process alone for credit card debt if that is the only kind of debt that you have.

If your FICO score is lower than 600, but also in the 500 range, you can still get approved for a loan but but every applicant’s circumstances different. If you have a cosigner you will have a better time of it, or if you have some collateral in a fairly new vehicle that helps as well.

In the end though, you will notice that every single one of these applicants and borrowers had gainful employment at the time of their application. If you are unemployed, you will have to have some kind of income such as SSI if you want to get approved for a loan with an unconventional lender.

We hope you have a good day and we hope that we didn’t make this installment too long this time. ;-) :-o

63 Loan Requests

  1. rachid applied for the following loan:

    Purpose of Loan:

    I need someone help me to get the loan. So I can pay off all the credit cards debt and car payment so I can raise my credit score up. Plus I like to take my wife and a little angel my son to have a good time this holiday coming which we don’t do it for a long time. So I will get the good start for the new year coming with the stable new job next month that I’m looking forward to work. Thank you.

    Thursday, October 18, 2012 at 5:07 pm | Permalink
  2. Jason applied for the following loan:

    Purpose of Loan:

    to combine all debts under 1 paymnet to be paid over 36 months

    Sunday, October 21, 2012 at 5:07 pm | Permalink
  3. Anissa applied for the following loan:

    Purpose of Loan:

    My home has mildew in one of my sons bedroom and their is some remodeling that needs to be done.

    Wednesday, October 24, 2012 at 6:43 am | Permalink
  4. Lauren applied for the following loan:

    Purpose of Loan:

    I would like to be able to pay off some bills and get my credit score up and get caught up

    Saturday, October 27, 2012 at 11:24 am | Permalink
  5. Sandra applied for the following loan:

    Purpose of Loan:

    Prevent eviction. Leasing Co. will no longer allow 2 installments for rent and we must pay it all in full ASAP. This add’l money would allow us to get ahead and prevent eviction. PLEASE HELP

    Sunday, November 4, 2012 at 8:40 am | Permalink
  6. Norman applied for the following loan:

    Purpose of Loan:

    I just relocated to Ayden,NC from Charlotte,NC because of a job. I make decent money but not enough to get started. I have 3 kids and a wife. I can’t afford to get us a place to live. We are in desperate need of transportation as well. I can maintain monthly payment but at this point I am homeless. I am a full time employee. It’s close to Xmas and we are very stressed out and the financial burden is causing issues within my family. I have past credit issues with no collateral. I hope thAt there’s someone out there that can help me with our crisis and I know my family will be greatly appreciative. Thank you

    Sunday, November 4, 2012 at 9:05 am | Permalink
  7. Heather applied for the following loan:

    Purpose of Loan:

    Usually do pretty good with my salary. Was hit with some unexpected expenses through the children’s schools and had a few problems with the electric company, set me back quite a bit. In a mad circle with $500 payday loan and $500 advance at my bank every month but CAN’T do without that money each month. Just tripped and can’t seem to get my feet back under me. Now, besides being behind on a few bills…I owe money on my daughter’s overseas trip (she gets to go to London, Paris, and Madrid for ten days next June, hopefully), Christmas is coming, and my two oldest children have birthdays in February. I try to plan accordingly every month but there always seems to be something necessary and unexpected that isn’t in the budget and I just can’t seem to get caught up. With the loan, I would be able to get caught up and ahead on all the bills, get out of the mad payday loan cycle, catch up on all the childrens school expenses and have the chance to set my monthly budget so that we can live within the limits of my salary and not have this happen again.

    Tuesday, November 13, 2012 at 10:30 am | Permalink
  8. Michelle applied for the following loan:

    Purpose of Loan:

    I unfortunately made a costly mistake that has set me back on my bills, and left me unable to repair my Jeep, unsafe at this point to drive my three year old around. I would like to get a S10k loan to bring myself current on my passed due bills while my credit is being repaired. My lawyer told me that a good way to start building credit is get a loan, and that will solve two problems at once; get me up-to-date on my bills and start a good credit history. All I need is a chance to get started, as a bad marriage did scar my credit pretty badly.

    Tuesday, November 20, 2012 at 11:25 am | Permalink
  9. jasmine applied for the following loan:

    Purpose of Loan:

    Baby on the way, pay off debt, and get a car.

    Friday, December 7, 2012 at 6:01 pm | Permalink
  10. Jesus applied for the following loan:

    Purpose of Loan:

    The loan would be used for the relocation of my fiance which has decided to move to Texas after her schooling. This would provide the necessary funds for transportation of a horse, five dogs, gas money and moving truck.

    Sunday, December 9, 2012 at 8:57 am | Permalink
  11. tara applied for the following loan:

    Purpose of Loan:

    Pay bills

    Monday, December 10, 2012 at 4:55 pm | Permalink
  12. tara applied for the following loan:

    Purpose of Loan:

    Pay off credit card debt and fix car get caught up on bills

    Saturday, December 15, 2012 at 5:19 pm | Permalink
  13. starr applied for the following loan:

    Purpose of Loan:

    Christmas

    Monday, December 17, 2012 at 1:53 pm | Permalink
  14. David applied for the following loan:

    Purpose of Loan:

    I have been promoted from assistant store manager to store manager and will be taking over the store in Wilmington, NC on Feb the 11th. I have an opportunity to buy a rent to own house and I need a $5000 deposit.

    Sunday, January 13, 2013 at 8:25 am | Permalink
  15. Denise applied for the following loan:

    Purpose of Loan:

    I am soon to be divorced. My soon to be ex-husband is self employed so we used my verifiable income to get payday loans. I left the abusive relationship and unfortunately the automatic withdrawals followed me and my check. These payday loans have spiraled out of control and between those fees and my auto payment I am going backwards more and more every pay check. I want to get rid off all these separate loans and pay off the auto loan into one manageable monthly payment and start over again. I can pay either biweekly or monthly. I just need the chance to start my new life with a payment I can afford and start cleaning up my credit.

    Sunday, January 13, 2013 at 4:17 pm | Permalink
  16. Willie R applied for the following loan:

    Purpose of Loan:

    Looking to pay down or pay off my debt. Looking for lower apr because most of my apr is very high so even when I pay more then the minimum it looks like the balance don’t go down. I need to get this done fast. Thankyou

    Sunday, January 13, 2013 at 9:43 pm | Permalink
  17. Jim applied for the following loan:

    Purpose of Loan:

    Debt Consolidation of payday loans, lower payments, and moving to AZ expenses , additional 3500, gas lodging tolls, moving boxes,truck etc.
    Looking to get one payment Have had good rebuilding credit history already paid off 2 cars since moved back to Boston pay all bills on time just looking to get into one payment consolidate save money.

    Monday, January 14, 2013 at 5:43 pm | Permalink
  18. enrique applied for the following loan:

    Purpose of Loan:

    FOR A MEDICAL TREATMENT & NEW MORTGAGE RENEGOTIATING FEES.

    Tuesday, January 15, 2013 at 12:43 pm | Permalink
  19. Ron applied for the following loan:

    Purpose of Loan:

    I am requesting a loan to pay off my truck and my building that my business is located in. I would like to pay off some other bills and purchase some inventory for my shop . It would be much better for me to consolidate my bills into one payment. All I need is for someone to give me a chance to get back on my feet and get back on track.

    Thursday, January 17, 2013 at 8:35 pm | Permalink
  20. Katrina applied for the following loan:

    Purpose of Loan:

    Consolidate pay day loans, get current on credit cards, reduce monthly payments, raise credit score.

    Wednesday, January 23, 2013 at 8:45 pm | Permalink
  21. Katrina applied for the following loan:

    Purpose of Loan:

    Consolidate debt and pay off pay day loans

    Wednesday, January 23, 2013 at 8:49 pm | Permalink
  22. ROD applied for the following loan:

    Purpose of Loan:

    I need this loan to pay IRS,they just garnished my wages. Now I behind $1800 rent due to the IRS taking my payday checks.I am behind $800 to PG&E for the electric bill.I also need to pay some other bills as well as feed my wife and daughter and need this so we don’t end up evicted from our home.

    Thursday, January 31, 2013 at 9:19 am | Permalink
  23. felisha applied for the following loan:

    Purpose of Loan:

    i have a family emergency i make good money but need $11,000 for funeral expencess and need the rest to pay off some debt. i can payback between $250-300 a month i just don’t have this large sum at one time if you can help please let me know thank you for you time and consideration

    Friday, February 1, 2013 at 3:32 pm | Permalink
  24. NURIT applied for the following loan:

    Purpose of Loan:

    I am a single mother of 1, currently couch surfing in Florida which is a cornucopia of foreclosures. Paying rent here is nonsensical because if I had good credit I could be paying way less than the rental prices (think $300 mthly!) to own my own home.

    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 and defaulting on pymts.

    If you run a credit check on me it will clearly 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.

    My family members now take turns allowing me and my son to live w/ them to help me to try to clear up my credit but I still pay them rent mthly and pay for all of our life’s other expenses so it’s sort of like the same but just with extreme humiliation.

    There are a variety of cheap condos in Orlando for sale/foreclosures ranging from 20K and up! In fact I’ve been researching and reviewing listings and there is a condo I would love to put an offer on but need proof of funds. I’ve learned that the sellers accept offers first from an occupant cash buyer over an investor.

    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!

    I’m willing to even do a private mortgage with the lender. I am in banking and finance and get paid bi-mthly. I’d also be willing to have the loan payments auto drafted bi-mthly utilizing my bank’s bill pay system/any auto draft ACH processor the lender chooses.

    This is very embarrassing & humbling but I’ve passed that stage 2 couches ago. It’s so difficult to be so close to achieving the American dream but yet so far. I just want a stable roof over our head and to rebuild my credit.

    I’ve already taken the necessary steps by paying my secured credit card above the minimum payments due and well in advance of the due date to try to add points to my score. Please give me a chance. I’m a good person going through a bad situation and just need a helping hand.l

    Live lively

    Friday, February 1, 2013 at 10:55 pm | Permalink
  25. babette applied for the following loan:

    Purpose of Loan:

    To pay off current 401 loans to be able to roll into IRA with cash distribution to pay all outstanding debts

    Friday, February 8, 2013 at 11:19 am | Permalink
  26. babette applied for the following loan:

    Purpose of Loan:

    To pay 401 loan and roll into IRA with cash distribution to pay all debts, including this one if granted, withing a three week period.

    Friday, February 8, 2013 at 11:33 am | Permalink
  27. Dee Dee applied for the following loan:

    Purpose of Loan:

    Help with home purchase and business. Have an agreed to contract with bank for an REO that I am purchasing under value. Will use house as an example of my renovation and design skills, add equity to house and build more clientele. 15 years in international marketing and communications with design/furniture on the side. Starting a design/renovation business while I keep both jobs. Will continue with jobs while my business partner and I get commercial and residential design contracts. Law job can cover repayment.

    Saturday, February 9, 2013 at 7:28 pm | Permalink
  28. Christopher applied for the following loan:

    Purpose of Loan:

    Wedding

    Sunday, February 10, 2013 at 9:21 am | Permalink
  29. Midnight applied for the following loan:

    Purpose of Loan:

    I need to be able to pay following as soon as possible:

    $4000.00 – Credit Card – due immediately (in the next week)
    $1000.00 – pay child’s doctor’s bill. (in the next week) Insurance does not cover all doctor’s expenses.
    $5000.00 – house repairs – roof leaks, ac duct work has a ton of holes that I need to fix before summer. I am planning on doing this myself but need the ducting to replace what was torn up.

    Monday, February 11, 2013 at 8:24 am | Permalink
  30. emilie applied for the following loan:

    Purpose of Loan:

    I recently was in a car accident. I am fine but have to pay for my damaged car. I also want to consolidate some other debts and pay back last years taxes. As far as school loans and car and insurance payments I am up to date on all and in good standing. My credit has just ben affected because of another debt consolidation company I was with. Which shows as payments not made to the vredit card companies. However I have been on time every time with the consolidation comoany who handles my card payments. I want to be able tk pay off a few high interest cards and some.furniture. fix my car pay down a little on my car so I can have a better re-financing option, pay my taxes.

    Monday, February 11, 2013 at 1:28 pm | Permalink
  31. Emilie applied for the following loan:

    Purpose of Loan:

    Pay off furniture
    Pay last years taxes
    Pay for a recent car wreck
    Pay high interest credit card
    Put some money down or pay down my car.
    other unexpected expenses

    I am currently up to date and in good standing with all my bills. However a recent car wreck as well as some other unexpected expenses set me back. I want to make sure I keep my good standings as well as would like to pay off and consolidate a little so that in case of any other emergency I can be ready.

    Monday, February 11, 2013 at 1:56 pm | Permalink
  32. Nina applied for the following loan:

    Purpose of Loan:

    Wedding emergency

    Monday, February 11, 2013 at 5:49 pm | Permalink
  33. Amanda applied for the following loan:

    Purpose of Loan:

    Need to pay off credit card, and pay ahead on some bills before my husband has knee surgery .ive been working a lot of ot..just need a little help !!!

    Thursday, February 14, 2013 at 1:23 pm | Permalink
  34. Isabel applied for the following loan:

    Purpose of Loan:

    Medical procedure

    Saturday, February 16, 2013 at 1:05 am | Permalink
  35. TJ applied for the following loan:

    Purpose of Loan:

    debts incurred due to being previously out of work and medical expenses.

    Wednesday, February 20, 2013 at 9:35 am | Permalink
  36. Kerrie applied for the following loan:

    Purpose of Loan:

    I have the fortunate opportunity to owner finance my current home and the land lord is asking for a $5000.00 down payment plus a full years worth of home owner insurance and the title transfer fee paid upfront and there is a need for some minor repair work to the interior of the home. The home owner insurance comes to approx. $2365 and the title transfer approx. $1600. This comes out to $8965.00 and I can use the rest for the paint and small items needed for the repairs.

    Wednesday, February 20, 2013 at 10:07 am | Permalink
  37. Sarah applied for the following loan:

    Purpose of Loan:

    Consolidate two debts to catch up with arrears. Became arrears after fraud on bank account and reduction in income in same month.

    Tuesday, February 26, 2013 at 2:22 am | Permalink
  38. William applied for the following loan:

    Purpose of Loan:

    My wife has had some medical issues and I have done all I can to keep us afloat. Need money to pay for new tires, kids school, bills, and to apply for membership in my local MLS board. Had been using my father’s, but he passed away and they are requiring that I join on my own.

    Tuesday, February 26, 2013 at 7:36 am | Permalink
  39. Hannah applied for the following loan:

    Purpose of Loan:

    Work had got slow and now that it has picked back up, i cant seem to catch up on bills and pay back the people i owe. Also my vehicle is in severe need of some work. It is my only transportation and everything is just piling up.

    Friday, March 15, 2013 at 9:18 pm | Permalink
  40. Patricia applied for the following loan:

    Purpose of Loan:

    I want to pay off my loan 3,851 and Capital One
    3,500. I already have a installment agreement with the IRS with a monthly payment of 100 a month. I am also in the process of have the lien withdrawal off my credit reports because I have a direct debit payment plan. Hope you can help me. I tried to call the number on my credit report to pay the charge off off be was told the account was no longer active.

    Friday, March 22, 2013 at 8:40 pm | Permalink
  41. Patricia applied for the following loan:

    Purpose of Loan:

    I want to pay off my loan 3,851 and Capital One
    3,500. I already have a installment agreement with the IRS with a monthly payment of 100 a month. I am also in the process of have the lien withdrawal off my credit reports because I have a direct debit payment plan. Hope you can help me. I tried to call the number on my credit report to pay the charge off off be was told the account was no longer active.

    Friday, March 22, 2013 at 8:48 pm | Permalink
  42. Jay applied for the following loan:

    Purpose of Loan:

    Currently me my wife and two children live at an extended stay hotel because we have yet to save up enough to pay off what we owe our old realty management company there for we can’t get an apartment. we owe the company $1900 and once we pay that off we can get an apartment. We would also use $800 to fix our car so we can stop using public transportation. we would use another $1800 to get our own apartment and move out of the hotel and the final $500 to catch back up on our car note. Through my employment we will be able to maintain our regular bills we just need some assistance getting out of the hole that we are in.

    Saturday, March 30, 2013 at 3:41 pm | Permalink
  43. Jan applied for the following loan:

    Purpose of Loan:

    I would like to move my family to Florida, where I presently wwork.

    Monday, April 1, 2013 at 1:09 pm | Permalink
  44. Michele applied for the following loan:

    Purpose of Loan:

    I filled for bankruptcy because of medical bills. I still owe my now ex boyfriend money he borrowed me before bankruptcy and I have payday loans I need to pay off.

    Saturday, April 6, 2013 at 5:50 am | Permalink
  45. Tim applied for the following loan:

    Purpose of Loan:

    I need to catch up on bills. I have property taxes and insurance on home. I need some repair work done on my vehicle. Its nice enough to just repair rather then replace

    Wednesday, April 10, 2013 at 6:58 am | Permalink
  46. David applied for the following loan:

    Purpose of Loan:

    Want to pay the car off that my exwife stuck me with and rebuild my credit score.

    Monday, April 15, 2013 at 5:37 pm | Permalink
  47. Christina applied for the following loan:

    Purpose of Loan:

    Debt consolidation. Need to catch on payments. Looking top repair credit and pay bills.

    Monday, April 15, 2013 at 7:28 pm | Permalink
  48. Elaine applied for the following loan:

    Purpose of Loan:

    I’m a goverment worker whose pay has been cut by $100 to $200 thanks to buget cuts. Bills that was easy to pay a year ago I’m struggling with now. Had to get a TSP hardship withdrawal to pay off the three payday loans I had to take. I want the above loan because I wish to get rid of the bank loan (behind by three payment so the bank won’t refinance with a lower amount) and a store card that refuses to be added to the credit advacate list that I had place the other four cards.

    I have no credit card now except for the one connected to my bank. As mentioned the cards had been placed with the CA for a 5 year plan for one low monthly payment.

    This loan will also be 5 years at $100.00 a month. In the end it will be $6000.00 payment. So the lender will get the loan amount back with a $1000.00 profit.

    With the money amount I’ll be down to 5 bills a month (cable, this loan, credit advacate, clear internet and my insurance) And have extra money to put aside again.

    Hope someone can help. Thank you.

    Tuesday, April 16, 2013 at 6:32 am | Permalink
  49. Hawanya applied for the following loan:

    Purpose of Loan:

    Seeking a loan to consolidate debt (small debt)
    Would love terms of 36-48 months
    Willing to accept finance rate up to 20%
    Believe loan will also increase credit score along with paying off debts.
    I do not have any credit cards
    All of the debts are small (avg $700)
    Once debts are clear, the only debts will be my student loans in which I am on forebarance now but will transition to income sensitive payments Jan. 2014 for 3 years.
    I anticipate a monthly payment of $250 to $275 a month which will lead a decent backend profit for lender.
    Thanks for the oppty

    Thursday, April 25, 2013 at 6:23 am | Permalink
  50. darlene applied for the following loan:

    Purpose of Loan:

    would like to pay off some past due accounts and get a few things needed for my grandson

    Tuesday, April 30, 2013 at 7:26 am | Permalink
  51. darlene applied for the following loan:

    Purpose of Loan:

    I need to get caught up on my bills and get some needed things for my disabled 3 yr old grandson. I took custudy of him 1 1/2 years ago he came from a very disfunctional home

    Tuesday, April 30, 2013 at 7:59 am | Permalink
  52. Dee applied for the following loan:

    Purpose of Loan:

    need reliable transportation to continue to be able to get to work

    Friday, May 3, 2013 at 9:02 am | Permalink
  53. syliva applied for the following loan:

    Purpose of Loan:

    Want to pay some payday loans and. Buy somethings for my grandkids and only want

    Sunday, May 12, 2013 at 6:39 am | Permalink
  54. Richard applied for the following loan:

    Purpose of Loan:

    I need loan to catch up …before I was a manager I was on commission and my income would vary plus my wife is unemployed . Now I have a base salary and can easily pay it back within a year…I just need to catch up now

    Friday, May 24, 2013 at 2:45 pm | Permalink
  55. roy applied for the following loan:

    Purpose of Loan:

    My wife and I just moved to El Paso from SC to start over. I am trying to put a down payment on a house and start my own trucking business. I currently make approximately 5000 per month and my bills run about 3000. I make enough to live, but not to save the amount needed. I can quadruple my income with the business, and would be able to pay the loan without a problem. Business will pay down payment on house.

    Saturday, June 15, 2013 at 5:17 pm | Permalink
  56. Amber applied for the following loan:

    Purpose of Loan:

    The reason I really need this loan is because I really need to buy the house my children and I live in. We have been here for almost 3 and a half years and now he wants us to move or buy. My oldest daughter only has one year left in high school and really wants to graduate from Newfane High. There is really not any thing to move into. I am getting a divorce as soon as I can find him he has left us high and dry and now I just want to do this for my children.

    Sunday, June 16, 2013 at 10:02 pm | Permalink
  57. Geniva applied for the following loan:

    Purpose of Loan:

    I have a few medical bills I would like to pay off and catch up on a few utility bills.

    Tuesday, June 18, 2013 at 9:15 pm | Permalink
  58. stephen applied for the following loan:

    Purpose of Loan:

    Fix my car up in by new things for my apt

    Tuesday, June 18, 2013 at 9:36 pm | Permalink
  59. Lushandia applied for the following loan:

    Purpose of Loan:

    I’m I need in this loan because I’m live in a hotel and I’m try to get me s house to get my babies back they or in foster care..this could really help me out

    Tuesday, June 18, 2013 at 9:49 pm | Permalink
  60. Cesar applied for the following loan:

    Purpose of Loan:

    Expecting another beautiful baby girl in august. Need to get a vehicle that fits a family of five. Clean my credit up and payoff my bills I messed up on. Trying to be a responsibe adult and take care of my mistakes i made when i was younger just need that little bit of help to make it happen. Thank you for your time and consideration. Have a good day.

    Friday, June 28, 2013 at 10:05 am | Permalink
  61. Jason applied for the following loan:

    Purpose of Loan:

    Still working to repair credit from previous divorce. Have two little girls at home and two adult boys. One of who has been living back home for 6 months while “trying” to find a job. We’ve gotten behind on our electric bill and can not afford to have it shut off. I also know our side businesses would grow more rapidlywith inventory on hand. I have lost customers because they were not willing to wait for product to ship. I am looking to have the loan paid off in no more than 6 months now that soon is finally working again.

    Thursday, August 1, 2013 at 4:39 pm | Permalink
  62. Cyrus applied for the following loan:

    Purpose of Loan:

    Behind on my bills due to wife having a baby so i was the only one with income in the house. My wife will soon be back to work so repaying the loan shouldn’t be a problem!thanks

    Wednesday, August 7, 2013 at 10:52 am | Permalink
  63. Donnell applied for the following loan:

    Purpose of Loan:

    Death in family I need to help with funeral arrangements for my mother in law

    Tuesday, August 27, 2013 at 3:36 am | Permalink