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Bad Credit Signature Loans in Jacksonville, Florida ($1200 and $2800)

Continuing on with our series of signature loans for people who have damaged credit ratings, we will be discussing today a personal unsecured loan for $1200 over a two week period, and other signature loan for $2800 in Jacksonville, Florida.

On our second loan application, and approval, we are presenting the highest effective APR cost ever published here at Financing USA, and we have some questions regarding the lender who charged such a high interest rate. Since this particular signature loan was given to this particular Floridian, we have removed this lender from our system and database. The legal limit in Florida for a small consumer loan is an APR of 390%. This lender didn’t ask for any upfront fees in order to approve the borrower’s loan, so we didn’t have any issue with that, but the fact that the APR was so high forced our hand, and we had to remove them as a viable lender.

In Jacksonville Florida we have two different borrowers who have really bad credit scores and were in need of some fast cash to make ends meet. Both applicants have FICO scores (in the 500-600 range), and their DTI ratios were quite high as well, making them unelligible for qualification with any of the consumer banking institutions based in the City, or in the State. Of course, people who have bad credit ratings will find it difficult to get approved for a small consumer-based loan anywhere in the United States, and it is no different for borrowers with low credit scores living and working in Jacksonville.

We have separated lending service areas in Jacksonville into two different geographic areas, one being northern Jacksonville, and the second being southern Jacksonville. The borrower living in the North side of the city was requesting a $1200 signature loan, as we mentioned above, and the second borrower was requesting a $3000 loan, and was finally approved for close to that ($2800).

Recently, we have been alerted to the fact that there has been a constant, and growing stream of signature loans being applied for from the Jacksonville area, and at this point we are assuming that this is simply a seasonal trend within the small consumer lending industry. However, we are keeping close tabs on this phenomenon going forward. There has always been a heavy flow of borrowers and applicants from the state of Florida, and we have discussed this earlier in our publications regarding unsecured bad credit loans in Miami. We know that the unemployment rate in Florida is fairly high at the time of this writing, so it is natural to assume that this is the obvious reason for the surge in lending and borrowing activity.

We also notice, like other States in the US, that more and more of the applicants applying for cash credit have high DTI numbers and low FICO scores (below 550), which means there is a growing concern in regards to the financial well-being of these people. It’s obvious to us that consumers need to start closely observing their monthly income levels, compared to their monthly spending habits. The debt to income ratio of American citizens has been growing steadily since the last market crash and the home mortgage bubble/fiasco.

Regardless of whose fault it is, whether it be the banking establishments in Florida, or the State and Federal politics involved, all of us who are basic run-of-the-mill consumers need to get our own financial situations under control. The signature loans that we are discussing today illustrate a typical problem for people who have temporary bad credit. When you see the effectual APR percentages in these tables (column #2/row #6) you can understand that these borrowers are making their financial situation worse by taking on higher interest debt. Although we discuss signature loans throughout the United States, we don’t endorse this type of lending product in any way, shape, or form. Our job is to track the data on all lending products, regardless of their nature, and the ethical arguments surrounding them.

Often, signature loans are products used (and abused) by predatory lenders who are skirting State laws in regards to how much they can charge in fees and in APR. When you look closely at column #2/row #5, you can see the FP100 value for each loan, and this is where you can see the true cost of borrowing. We don’t just simply take the signature loan provider’s brochure or website advertised APR levels on face value, and we publish the actual cost the borrower’s are facing when using this form of credit.

$1200 Bad Credit Signature Loan in Jacksonville, Fl – Cost and Purpose

So let’s get started with the unsecured signature loan (USL) in the northern part of Jacksonville. This borrower lives in an area known as Brentwood which is directly North of Downtown Jacksonville, up Interstate Highway 95 and past Martin Luther King Jr. Parkway. This applicant lives very close to the municipal golf course, and works as a courier driver for UPS. He has been working for UPS over the last six years, and is now at the peak of his income potential with that company. As you can well imagine, he isn’t taking home that much in net pay – but at least he has a very secure job. A city the size of Jacksonville will always have lots of room for career drivers, and therefore his application for a signature loan would certainly be seriously considered by  unsecured loan lenders in Florida.

This borrower has a DTI of .38 which is a reasonable debt to income ratio, making him certainly eligible for an approved signature loan when you consider that he has a solid employment history. Unfortunately, with his low FICO score of 510 his own bank wouldn’t approve him for credit, and he was actually surprised that he couldn’t get a small personal loan in short order.

He does his banking at the Jax Metro Credit Union located on East 27th St., Jacksonville, FL. He has a savings account with this bank and set up an appointment with a loan officer to see if he was able to qualify for a small personal loan. As we already explained, he was denied any credit with this bank, and moved on to the bank where he has his checking account.

He has his checking account with the Jacksonville Fireman’s Credit Union over on Haines Street, and he has a third account at the Wells Fargo Bank over on North Main street. With all of these banking establishments and the loan officers involved, he was denied credit. He was quite angry about the fact that even with his excellent employment record, he couldn’t squeeze even $1200 out of them.

Of course, being denied credit in today’s economic reality is no surprise, and being declined for credit should never be taken personally – you are not alone if you have experienced the same problem. There are so many people who have poor credit scores nowadays, and if you are one of those people, just know, and understand that it’s really only a temporary situation that can be overcome in short order.

Anyways, after being turned down by all of his banks he started looking for private lenders and/or signature loan providers in Jacksonville (or anywhere in the state of Florida for that matter). He started using the Internet to research some of the possible online loans that are available (in droves), but soon realized that most of these online loans are for amounts less than $500. He needed to borrow $1200, and being a first-time online borrower, he wouldn’t be eligible for any more than $300 with most providers. He researched some of these signature loan providers on some online forums, and soon realized that the APR levels were extreme. However, as much as he didn’t like borrowing money at such a high cost, he felt that he didn’t have any choice in the matter.

In the table below you can see that his FP100 came in at $21.34 after all administration costs were added in. This is certainly not within the legal limits in the state of Florida for lending interest rates, but he thought that this would be affordable for him. He borrowed $1200 on a signature loan, and this made the effectual APR 555%, with a total of $256 in fees.

The total amount paid back to the lender was $1456 over a two week period, and he was able to pay back this lender on time. If you are planning to get a signature loan, remember that you must pay back the lender on time or you will be facing an even higher cost for the note.

The last signature loans that were approved by this lender were to people living in North Jacksonville, in such areas as Mid West-side, College Gardens, Phoenix, Panama Park, and Moncrief Park. This lender also approved a loan two weeks earlier, over on the coast in the neighborhood of Longbranch.

Because of the high fee structures built into these unsecured loans, this lender is making a pretty penny in profit, even after you consider they may have a fairly high charge-off rate. This lender chose not to disclose what their charge-off rate is, and this is no surprise, because almost all of the signature loan providers in the State of Florida will not disclose this kind of information.

We can say however, that the average charge-off rate for signature loans in the United States as a whole comes in at around 7%. This is a fairly high charge-off rate, and without the high interest rates and fee structures, most of these lenders would have a difficult time making a profit. This is certainly arguable, and there is a great deal of controversy floating around the zeitgeist in regards to predatory lending, and the actual profits they enjoy.

$1200 Bad Credit Signature Loan in Jacksonville, Fl – Lender Service Area

$1200 Bad Credit Signature Loan in Jacksonville, Fl – Interest, Principal, Term Length

Table of Data for $1200 Signature Loan in Jacksonville, Fl (pre and post app)

Loan Data Loan Values
Principal Sig. Loan Amounts (lenders average) #1 $100, $200, $300, $400, $500, $600, $700, $800
Principal Sig. Loan Amounts (lenders average) #2 $900, $1000, $1100, $1200, $1300, $1400, $1500
Principal of Signature Loan $1200
Loan Product Nomenclature Unsecured Signature Loan (USL)
Loan Fee Per $100 (exact) $21.34 (lender under review)
Finalized Signing (Effective APR on Loan) 554.84%
Total Fees Charged by Lender $256.08
Total Monies Paid To Lender $1456.08
Lender’s Loan Term Lengths 1 week, 2 weeks, 3 weeks, 4 weeks
Finalized Loan Term Length in Weeks 2 weeks
Borrower’s Area of Residence North Jacksonville, Royal Terrace, Moncrief Park
Other Areas of Lender Service Panama Park, Phoenix, Mid-Westside, College Gardens
Main City Center of Application Jacksonville
State Florida
Lender Classification Signature Loan Provider
Credit Score (FICO Number) 510

$2800 BC Signature Loan in Jacksonville, Fl

For our second signature loan in Jacksonville we headed down south to a neighborhood known as San Marco where an applicant was approved for a $2800 cash loan. This borrower needed the money to get their 2009 Ford Explorer repaired, as it needed some body work from a recent fender-bender, and the transmission replaced. So often we see that borrowers need emergency funding to get their vehicles back on the road. This is so typical that we almost try to avoid documenting this purpose for borrowing.

This applicant works as a secretary for a car dealership in Southern Jacksonville, and has been gainfully employed for over three years with the same company. She makes a reasonable monthly income, and also has a DTI score that is below .40. Many lenders will consider the DTI score even more than they consider FICO score, because they are mostly concerned whether or not the borrower can afford to make their loan payment every month, and not become another defaulting/deliquent customer.

However, even with her low DTI she was unable to get approved with her bank of choice. She does her personal banking at the Bank of America located on San Marco Boulevard in Jacksonville, and she also has a savings and checking account set up at the Regions Bank up on Hendricks Avenue. Neither of these banks were able to qualify her for extended credit, and she was left with very few choices.

She tried to get some money from her family in the form of a free no-interest loan, but unfortunately none of her family members were in a financial situation whereby they could help her out.

She didn’t have any assets under her belt at the time of this application either, and she didn’t have any home-equity to speak of. She was sharing an apartment with another young woman, and with her rental costs, utilities, phone bill(s), and an existing small personal loan with the Regions Bank, she was basically tapped out. She has some credit card debt as well. She has a Visa card and a MasterCard that she has to contend with on a monthly basis. Fortunately for her, she doesn’t have that much debt on either card (only $700 on her Visa, and only $500 on her MasterCard). Unfortunately though, the credit limits on both of her cards is only $1500, which meant that she couldn’t take out cash advances, or charge on these cards to pay for the repairs on her vehicle. She had to find some other way to extend her credit, and she decided to use a signature loan product.

This is a lender that we had to remove from our system because of the reported high fee structure they were using. They charged this borrower with an FP100 of $45.66 after administration costs, which is exorbitantly high by any stretch of the imagination within the small consumer lending market. You can see that this loan was for a one week term, and you really have to ask yourself where this borrower managed to dig up $4078 in one week when we consider her financial situation. Well there is a simple answer for that, and you will see the error she made in judgment below.

As it turned out, she was receiving a small inheritance from her grandmother who lived in Tallahassee, for the amount of $10,000 and change. For some reason, she decided that she just couldn’t wait the extra week for the money to be deposited into her account from the trustee of her grandmother’s estate, and felt desperately that she had to get her vehicle repaired immediately.

If she had been smart about it, she would have found another way to get around Jacksonville well she waited for this money to come through. She could have used public transit, taxicabs, or got rides with friends and coworkers for that one week. When you get the whole story though, it becomes very apparent why she was in such a panic.

She wanted to make sure that she could still visit her fiancé who is currently living in Gainesville, and she had to commute to see him every week. So many times, affairs of the heart will set forth in motion a situation whereby people spend and waste a lot of money.

Every week she commuted down Highway 21, and Highway 26 into Gainesville to see her fiancé. Because she couldn’t wait to see her mate, it cost her over $1200 in interest on this signature loan that she took out. Always try and be rational when it comes to borrowing and taking on more credit. Sometimes it’s better to just wait a little while and save yourself a great deal of uneeded expense.

$2800 BC Signature Loan in Jacksonville, Fl – Lender Service Area

$2800 BC Signature Loan in Jacksonville, Fl – Interest, Principal, Term Length

Table of Data for $2800 Signature Loan in Jacksonville, Fl (pre and post app)

Loan Data Loan Values
Principal Sig. Loan Amounts (lenders average) #1 $1600, $1700, $1800, $1900, $2000, $2100, $2200
Principal Sig. Loan Amounts (lenders average) #2 $2300, $2400, $2500, $2600, $2700, $2800, $2900
Loan Principal Finalized $2800
Loan Product Nomenclature Unsecured Signature Loan (USL)
Loan Fee Per $100 (exact) $45.66 (lender now removed from database)
Finalized Signing (Effective APR on Loan) 2374.32%
Total Fees Charged By Lender $1278.48
Total Monies Paid To Lender $4078.48
Lender’s Loan Term Lengths 1 week, 2 weeks, 3 weeks, 4 weeks
Finalized Loan Term Length in Weeks 1 week
Borrower’s Area of Residence South Jacksonville, Mixon Town, Midtown, Southside, Middleburg
Other Areas of Lender Service Brooklyn, Riverside, Lakewood, Jacksonville Beach, Orange Park
City Center of Application Jacksonville
State Florida
Lender’s Classification Signature Loan Provider
Credit Score (FICO Number) 582

This concludes our first publication regarding signature loans for people with subpar credit living in Florida. Now that we have discussed these two borrowers living in Jacksonville, we will later be visiting some of the borrowers and lenders in other areas of of the State. We will be covering the following cities; Tallahassee, Gainesville, Tampa, St. Petersburg, Sarasota, Cape Coral, Fort Lauderdale, Orlando, and Daytona Beach.

We always want to remind our readers that signature loans are nothing more than glorified payday loans / or cash advances. Often times, predatory lenders will offer desperate borrowers signature loans with attached fees that are in excess of your average everyday PDL provider. Before you ever consider taking out such a high interest loan, take a deep breath and calmly look at all of your options. You always want to find an alternative to a signature loan or a cash advance because the costs are too high when you look at the end result, and the subsequent end-state of your pocketbook.

Without sounding preachy, we just want to remind you that you should be looking for the lowest possible interest rates in the market, and if that means getting a free loan from a family member with zero APR, so be it. Sometimes when your credit rating is severely damaged, albeit only temporary, pride must go before the fall.

Sometimes, as an alternative to a signature loan, you can get access to credit from your employer, and at one time your humble narrator worked for a company that used to do that. They would give us a temporary advance on our future paychecks for absolutely no interest, or fee. This is rare these days, I know, but it’s certainly something you should look into before ever taking out a loan with one of these high fee companies.

You can use some of the peer-to-peer lending websites as well, and perhaps get an APR that is below 10% on the complete note, and this should be considered as well. The most important thing however, is that in the future you pay more attention to how much money you’re spending, and the exact amount of money you have coming in monthly. This is your first, and best approach.

We see every day, streams of traffic coming to all of our websites, littered with people who have really bad credit, and almost nowhere to turn. They have let their personal finances spiral so far out of control that they end up taking out high interest signature loans from “questionable” lenders. Try to NOT be in those ranks.

Thank you for visiting our website and I hope you have learned something about signature loans and the heavy cost that they can burden you with.

105 Loan Requests

  1. Sonia applied for the following loan:

    Purpose of Loan:

    I Have been the victim of identity theft.I have documents to support this.I have robbed peter to pay paul basically and i just want to pay out my debt so i can sleep at night when i am not working and really begin to rebulid my credit. I need to get my car out of the shop so i can stop paying people to take me to work.I need to be able to get my disable daughter back and forth to nemours children hospital at least 3 times a week.

    Monday, March 26, 2012 at 6:04 am | Permalink
  2. diana applied for the following loan:

    Purpose of Loan:

    need to pay some bills off and catch up on some things

    Tuesday, May 29, 2012 at 9:24 am | Permalink
  3. diana applied for the following loan:

    Purpose of Loan:

    need loan to catch nd up on some bills and pay off
    a few small bills.

    Tuesday, May 29, 2012 at 9:33 am | Permalink
  4. Bee applied for the following loan:

    Purpose of Loan:

    In need of dental work and glasses if i could have afforded a larger loan i would like to pay on some bills but only wanted to get what i can pay back at this time

    Saturday, June 30, 2012 at 2:19 pm | Permalink
  5. Kerri applied for the following loan:

    Purpose of Loan:

    I am a single mother of two, was currently renting apt with boyfriend up until he moved out this week leaving me with his share of unpaid rent and living expenses. Now have to move into new place I can afford. Looking to consolidate all my now past due bills and moving expenses into one low monthly payment. and would really need a loan with a low interest rate if possible. I make good money working for the Doctor but don’t want to end up living above my means. Is there is anyone out there that can help me and be willing to give me a chance?

    Tuesday, August 7, 2012 at 7:17 pm | Permalink
  6. William applied for the following loan:

    Purpose of Loan:

    To pay remaining cost of cdl school.

    Thursday, October 4, 2012 at 11:52 pm | Permalink
  7. Jonathan applied for the following loan:

    Purpose of Loan:

    I had $2400 stolen from me on the bus. It was my next three months rent. If I don’t pay I am out on the streets.

    Sunday, November 11, 2012 at 11:31 am | Permalink
  8. robin applied for the following loan:

    Purpose of Loan:

    needing to replace heating/ air conditioner unit, system is 16 years old and not able to hold charge for cooling. replacement was recommended by hvac professional.

    Thursday, January 31, 2013 at 4:02 pm | Permalink
  9. STACIOUS applied for the following loan:

    Purpose of Loan:

    was told a/c Unit needs to be replaced…Its not working and over 14 years old.

    Tuesday, April 2, 2013 at 10:33 am | Permalink
  10. vonnaviar applied for the following loan:

    Purpose of Loan:

    I recently got behind on my rent and utilities because of the upkeep of my car which allows me to get back and forth to work…the loan will help me catch up on my rent as well as utilties to where i can see where my money is going until I get back on track and it will also allow me to save money to pay this loan back…

    Tuesday, May 14, 2013 at 1:42 pm | Permalink
  11. Frank applied for the following loan:

    Purpose of Loan:

    Loan is needed for living expenses, rent, food. I need to get through the next two months when my income will pick up and I will start to be able to put money away. I incurred a large amount of expense in finalizing my divorce. I’ve been satisfying that debt. That combined with my entering a four month slow season has left me in need of temporary funds.

    Monday, June 17, 2013 at 12:52 pm | Permalink
  12. Charles applied for the following loan:

    Purpose of Loan:

    I am in dire need of a reliable car, have been scammed in the past by people getting rid of their lemons.

    Wednesday, July 31, 2013 at 8:49 pm | Permalink
  13. tamika applied for the following loan:

    Purpose of Loan:

    i’m a custodian taking care of 2 kids off one check righ now i’m living with a family member because i have no where else to go. I do not get any helo from children father and i need help to get a home for them please help

    Tuesday, August 6, 2013 at 7:12 am | Permalink
  14. Nicole applied for the following loan:

    Purpose of Loan:

    Extended day bills, rent

    Monday, August 19, 2013 at 7:45 am | Permalink
  15. dragana applied for the following loan:

    Purpose of Loan:

    bills

    Wednesday, August 21, 2013 at 12:00 pm | Permalink
  16. Christine applied for the following loan:

    Purpose of Loan:

    In order for my life to get back on track and make it a better world for my family I have to get this paid off asap. I can pay monthly a reasonable amount. Just need that second chance to guide us through this.

    Thursday, August 29, 2013 at 3:32 pm | Permalink
  17. Scott applied for the following loan:

    Purpose of Loan:

    Debt consolidation – loans against retirement, doctor bills,and others approximately $10,000
    Repairs on personal vehicle-2003 ford f-150 extended cab approximately $2000

    Thursday, August 29, 2013 at 6:06 pm | Permalink
  18. stacie applied for the following loan:

    Purpose of Loan:

    I need my electric turned on as soon as possible. I want to consolidate my debt with just one monthly payment.

    Thursday, August 29, 2013 at 10:49 pm | Permalink
  19. Brandon applied for the following loan:

    Purpose of Loan:

    Had unexpected medical expenses, and life changing evnts occur

    Friday, August 30, 2013 at 12:41 pm | Permalink
  20. Steve applied for the following loan:

    Purpose of Loan:

    We are in need of a loan to pay off our rent to own contract by October and to pay all other debt so we only have one monthly payment. We are facing loosing our home if we cannot find someone willing to give us a chance and help us. We have several rescue animals and nowhere else to go.

    Saturday, August 31, 2013 at 12:23 pm | Permalink
  21. Matthew applied for the following loan:

    Purpose of Loan:

    consilidation to clean up accumulated debt, trying stay on top on matters while taking care of my family

    Saturday, August 31, 2013 at 2:03 pm | Permalink
  22. Robert applied for the following loan:

    Purpose of Loan:

    I want to eliminate a few recurring bills and pay off others.

    Monday, September 2, 2013 at 8:26 am | Permalink
  23. Curtis applied for the following loan:

    Purpose of Loan:

    Bills

    Tuesday, September 3, 2013 at 4:53 am | Permalink
  24. scott applied for the following loan:

    Purpose of Loan:

    catch up on some payday loans and bills and give myself relief

    Tuesday, September 3, 2013 at 11:01 am | Permalink
  25. Kristin applied for the following loan:

    Purpose of Loan:

    Was unemployed for 5 months need the loan to caught up consolidate debt rebuild credit score and obtain breathing room

    Tuesday, September 3, 2013 at 11:41 am | Permalink
  26. Sheldon applied for the following loan:

    Purpose of Loan:

    Moved to a new home in the same city a few month ago and had some unforeseen expenses. Ran up my credit cards covering them and want to pay them off. Just trying to get back to where I was a few months ago.

    Tuesday, September 3, 2013 at 12:34 pm | Permalink
  27. Kristal applied for the following loan:

    Purpose of Loan:

    To payoff furniture,tires, and other bills

    Tuesday, September 3, 2013 at 1:43 pm | Permalink
  28. shonda applied for the following loan:

    Purpose of Loan:

    Car repairs so i can get to work. Pay off some bills and catch up some bills so i can get my life and credit back on track

    Tuesday, September 3, 2013 at 6:35 pm | Permalink
  29. norma applied for the following loan:

    Purpose of Loan:

    My carnote, rent, and lightbill is due today and i have other dept that need paid asap.

    Wednesday, September 4, 2013 at 9:48 am | Permalink
  30. Tyree applied for the following loan:

    Purpose of Loan:

    I need loan to help me pay off some debts that I acquired with extremely high interests rates. I also have a medical expense that should have been covered by my insurer for my child but there was some issues with the insurance company and network referral. This loan will truly help me get back on my feet and allow me to manage my debt much better.

    Wednesday, September 4, 2013 at 4:27 pm | Permalink
  31. richard applied for the following loan:

    Purpose of Loan:

    To consolidate loans and catch up on bills.

    Wednesday, September 4, 2013 at 10:10 pm | Permalink
  32. Keria applied for the following loan:

    Purpose of Loan:

    I need this loan to pay current and past due bills like rent and other houshold exspences, also to pay for this semester of school. We had a two person income, but when my boyfriend lost his job some time ago I started drowning in bills and now I just need to get ahead of them. If I get this loan I am going to pay everything that I owe that is past due and also pay my rent and other house bills a month in advance so that I can put at lease two paychecks in my savings to help get me back on track and also so I can start paying off other old dept that I have to raise my credit score that I am in desperate need of.

    Thursday, September 5, 2013 at 3:20 am | Permalink
  33. marion applied for the following loan:

    Purpose of Loan:

    Separated husband took the vehicle…I have 3 minor children…

    Thursday, September 5, 2013 at 8:14 am | Permalink
  34. mark applied for the following loan:

    Purpose of Loan:

    orthodonics and cheap car for teenagers

    Friday, September 6, 2013 at 6:41 am | Permalink
  35. Cecille applied for the following loan:

    Purpose of Loan:

    Payoff open loans and credit cards to consolidate one bill instead of more than one.

    Friday, September 6, 2013 at 7:49 am | Permalink
  36. Leslie applied for the following loan:

    Purpose of Loan:

    Money for wedding

    Friday, September 6, 2013 at 8:49 am | Permalink
  37. Jalisa applied for the following loan:

    Purpose of Loan:

    I want to pay off some major stressful bills! I also need a down payment for a new car because I have a 2003 Chevy Trail Blazer and I am paying 412 a month for that car for 5 years and I am only in my 2 year. I found a place that said I needed a good amount of a down payment so I can get a new car with CHEAPER payments! Please help!

    Sunday, September 8, 2013 at 11:51 am | Permalink
  38. Shonda applied for the following loan:

    Purpose of Loan:

    I was the only one in the family that worked for a while so I want to get the loan to pay off a car title loan we have, and some credit card debt, and a payday loan and be able to feel like I can breathe again.

    Sunday, September 8, 2013 at 3:17 pm | Permalink
  39. Shonda applied for the following loan:

    Purpose of Loan:

    Pay off car title loan, payday loan, and get back on my feet with house bills.

    Sunday, September 8, 2013 at 3:20 pm | Permalink
  40. Rebecca applied for the following loan:

    Purpose of Loan:

    pay off some bills

    Monday, September 9, 2013 at 6:15 am | Permalink
  41. david applied for the following loan:

    Purpose of Loan:

    pay for reinstatement fees and court fines to get back on my feet.

    Monday, September 9, 2013 at 8:26 am | Permalink
  42. CAROL applied for the following loan:

    Purpose of Loan:

    HELP WITH BILLS AND CHILD’S COLLEGE EXPENSES

    Monday, September 9, 2013 at 12:05 pm | Permalink
  43. Casey applied for the following loan:

    Purpose of Loan:

    Bail bond

    Monday, September 9, 2013 at 4:04 pm | Permalink
  44. Casey applied for the following loan:

    Purpose of Loan:

    Need the loan for a bail bondsman. I’m trying to bond my fiancé out of jail

    Monday, September 9, 2013 at 4:07 pm | Permalink
  45. Kwana applied for the following loan:

    Purpose of Loan:

    Consolidating all my bills into on to get back in control on my finances

    Tuesday, September 10, 2013 at 12:06 pm | Permalink
  46. sejhan applied for the following loan:

    Purpose of Loan:

    adoption

    Tuesday, September 10, 2013 at 7:24 pm | Permalink
  47. Sandra applied for the following loan:

    Purpose of Loan:

    Bills

    Wednesday, September 11, 2013 at 5:37 am | Permalink
  48. james applied for the following loan:

    Purpose of Loan:

    for bills, groceries, untill next payday, i have family, but everyone is tight on money, tried to get a reg loan, but credit is bad, am working on getting credit score up.

    Wednesday, September 11, 2013 at 7:20 pm | Permalink
  49. james applied for the following loan:

    Purpose of Loan:

    we are just behind, we do not make enough, we go paycheck to paycheck, trying to get our credit score up, we even budget, we have two kids, 15 and 17, our costs went up significally with our daughter now on our insurance policy, now bill is higher.

    Wednesday, September 11, 2013 at 7:23 pm | Permalink
  50. christopher applied for the following loan:

    Purpose of Loan:

    pay off credit card buy used car to get back and forth to dialisys treatment and to dr app.

    Thursday, September 12, 2013 at 7:26 am | Permalink
  51. christopher applied for the following loan:

    Purpose of Loan:

    I need to purchase a used car to get my 2 daughters back and forth to school.And I need transportation back and forth to dialisys treatment.And to pay off my credit card that I had to live off until my benifits started.I can pay back the loan just need help getting on my feet.

    Thursday, September 12, 2013 at 7:36 am | Permalink
  52. Melanie applied for the following loan:

    Purpose of Loan:

    need to pay off 2 very high interest loan, paying almost 600 a month

    Thursday, September 12, 2013 at 12:54 pm | Permalink
  53. joel applied for the following loan:

    Purpose of Loan:

    I have some tickets n other outstanding pmts n need a new pump for my company

    Friday, September 13, 2013 at 9:14 am | Permalink
  54. vanessa applied for the following loan:

    Purpose of Loan:

    I would like to pay off a few bills leaving me with 1 payment to make.

    Friday, September 13, 2013 at 10:26 am | Permalink
  55. Roland applied for the following loan:

    Purpose of Loan:

    A little short this month on bills

    Friday, September 13, 2013 at 11:59 am | Permalink
  56. Ransom applied for the following loan:

    Purpose of Loan:

    consolidation

    Friday, September 13, 2013 at 12:01 pm | Permalink
  57. tamra applied for the following loan:

    Purpose of Loan:

    My car has been hit an dran three times this year, each time causing me 1000 deducatable, wasnt prepared,

    Friday, September 13, 2013 at 5:27 pm | Permalink
  58. Marjorie applied for the following loan:

    Purpose of Loan:

    To pay bills

    Friday, September 13, 2013 at 11:12 pm | Permalink
  59. Roger D. Punswick applied for the following loan:

    Purpose of Loan:

    Would like to clear up some old bills

    Saturday, September 14, 2013 at 11:41 am | Permalink
  60. Dave applied for the following loan:

    Purpose of Loan:

    2 family members hospitalized over past 4-5 months and operations performed with partial amputations. Bills for services not covered need to be paid and I got involved with payday loans to “rob Peter to pay Paul” and now am behind on other bills. If someone could please offer up where I might get some help I would be truly grateful. Responsible person that just got hit with bad luck at the wrong time.

    Saturday, September 14, 2013 at 2:22 pm | Permalink
  61. rhonda applied for the following loan:

    Purpose of Loan:

    To pay off some debts

    Sunday, September 15, 2013 at 9:37 pm | Permalink
  62. joe applied for the following loan:

    Purpose of Loan:

    For food And gas And Car repairs

    Monday, September 16, 2013 at 1:15 pm | Permalink
  63. joe applied for the following loan:

    Purpose of Loan:

    Food And gas And Car repairs

    Monday, September 16, 2013 at 1:18 pm | Permalink
  64. Mike applied for the following loan:

    Purpose of Loan:

    Getting caught up from being behind

    Tuesday, September 17, 2013 at 9:33 am | Permalink
  65. Rainah applied for the following loan:

    Purpose of Loan:

    I need the money to help pay off my school and to catch up on bills. I just recently moved out of an apartment with a roommate who skipped out on paying me back for our last 2 months rent and that has put me really behind on bills. I have a car note to pay as well as rent and could really use the help. Just need someone to work with me. This is my first time trying to get a unsecured loan. I try not to have anyone have sympathy for me but I lost both my parents at a very young age and I do everything for my siblings and myself on my own. I have 8 other siblings. Whatever money or help I receive would be a true blessing for me. Thank you.

    Tuesday, September 17, 2013 at 1:33 pm | Permalink
  66. Bryan applied for the following loan:

    Purpose of Loan:

    Need extra cash and money to catch up on some bills!

    Wednesday, September 18, 2013 at 10:48 am | Permalink
  67. Colleen applied for the following loan:

    Purpose of Loan:

    I need to pay on some medical bills accrued from having surgery to remove a lump form my chest. While I was recovering got behind on some bills and need to get caught up. Need extra cash for living expenses.

    Wednesday, September 18, 2013 at 11:03 am | Permalink
  68. Annette applied for the following loan:

    Purpose of Loan:

    Desperate need of car repairs

    Wednesday, September 18, 2013 at 11:20 am | Permalink
  69. jamie applied for the following loan:

    Purpose of Loan:

    Catch up on bills

    Thursday, September 19, 2013 at 2:33 am | Permalink
  70. Melissa applied for the following loan:

    Purpose of Loan:

    I had a rough couple of months due to Iam a single mother of three issues with my car have caused me to get way behind on 4 credit card bills on top of my car payment as well as utility bills. If I could pay more then the min due it would be a stress relief!

    Thursday, September 19, 2013 at 7:16 am | Permalink
  71. Ursula applied for the following loan:

    Purpose of Loan:

    Home improvements due to water damage.. bills have sky rocketed due to the damage. Rent is past due and other personal reasons.

    Thursday, September 19, 2013 at 8:30 am | Permalink
  72. Marcus applied for the following loan:

    Purpose of Loan:

    My reason for this loan is to pay down credit card debt. My highest one is $5,000. i would like to pay it down and would only need a short term loan to help solve my credit issues. Thank you.

    Thursday, September 19, 2013 at 10:14 am | Permalink
  73. marcus applied for the following loan:

    Purpose of Loan:

    wife isn’t working we have twin boys…need to catch up on bills.

    Thursday, September 19, 2013 at 3:55 pm | Permalink
  74. Melissa applied for the following loan:

    Purpose of Loan:

    I am relocating to get a better job opportunity.

    Thursday, September 19, 2013 at 6:07 pm | Permalink
  75. Buni applied for the following loan:

    Purpose of Loan:

    Even though business is good, I owe taxes and need to get this paid ASAP. Bad choices have been made in the past, lessons learned and no more bad choices being made. Even though I am on their installment program, I fear them taking my house.

    Thursday, September 19, 2013 at 7:52 pm | Permalink
  76. Buni applied for the following loan:

    Purpose of Loan:

    I had a rough financial situation for a while and I have a bill with really high interest rate that I want loan with a lower interest rate to pay it off faster.

    Friday, September 20, 2013 at 4:39 am | Permalink
  77. jesse applied for the following loan:

    Purpose of Loan:

    Purchase vehicle since my only form of transportation not reliable anymore.

    Friday, September 20, 2013 at 11:39 am | Permalink
  78. Philip applied for the following loan:

    Purpose of Loan:

    Need some dental work done asap. Have to get multiple root canals and a few crowns. In danger of losing my teeth if I don’t act soon. Have insurance but have reached my annual limit so now I must pay out of pocket to get the work done.

    Saturday, September 21, 2013 at 11:54 am | Permalink
  79. crystal applied for the following loan:

    Purpose of Loan:

    to pay taxes and bills that got behind due to husbands sudden death

    Saturday, September 21, 2013 at 7:46 pm | Permalink
  80. Julie applied for the following loan:

    Purpose of Loan:

    I need to catch up my car payment right away until I have a steady pay check coming in.

    Sunday, September 22, 2013 at 7:08 pm | Permalink
  81. Megan applied for the following loan:

    Purpose of Loan:

    downpayment on a house

    Monday, September 23, 2013 at 5:50 am | Permalink
  82. Craig applied for the following loan:

    Purpose of Loan:

    Fire destroyed apartment in August 2013
    Moved/ saved enough in September 2013
    Final arrangements for children to reside with me for ASAP – bedding, household items to get them settled

    I work hard. And am getting there, I have been able to get things underway again but need a little help to get over the hurdle

    Monday, September 23, 2013 at 9:15 am | Permalink
  83. Elisha applied for the following loan:

    Purpose of Loan:

    I need for my care

    Monday, September 23, 2013 at 11:04 am | Permalink
  84. Amanda applied for the following loan:

    Purpose of Loan:

    to catch up on bills and get me through to tax refund time.

    Monday, September 23, 2013 at 5:57 pm | Permalink
  85. james applied for the following loan:

    Purpose of Loan:

    want to consolidate some of my debt into a cheaper monthly payment

    Tuesday, September 24, 2013 at 12:15 pm | Permalink
  86. David applied for the following loan:

    Purpose of Loan:

    Emergency loan to stop foreclosure

    Tuesday, September 24, 2013 at 2:06 pm | Permalink
  87. martha applied for the following loan:

    Purpose of Loan:

    Clean up negative items on my credit report, past due bills, child’s college expenses for this semester.

    Tuesday, September 24, 2013 at 7:35 pm | Permalink
  88. Joanna applied for the following loan:

    Purpose of Loan:

    Default divorce wont be finalized till nov 1st. Husband left 7 months ago and not one dime to support kids. Been having to do it myself but i now need help. Please! Have worked at the same job for 6 yrs. Can no longer afford to pay rent or basic utilities. Cannot get services because they claim i make too much. I have to make 14000.00 a yr to get help. I am a hard worker. Just struggling right now and at the end of my rope.am doing it all on my own.

    Tuesday, September 24, 2013 at 7:48 pm | Permalink
  89. Ana applied for the following loan:

    Purpose of Loan:

    I would like to pay off some debt.

    Wednesday, September 25, 2013 at 6:16 am | Permalink
  90. Sheila applied for the following loan:

    Purpose of Loan:

    To catch up bills that have feel behind due to medical reasons

    Wednesday, September 25, 2013 at 7:26 am | Permalink
  91. April applied for the following loan:

    Purpose of Loan:

    Missed approx 3 months pay due to a medical issue. Going back to work full time this week and bills have piled up with missed payments, car may be repo’d, medical bills. I have a plan and budget in place to work on getting my credit score back up and bills paid off. I worked 2 jobs to improve my score previously after bankruptcy/divorce in 2008. But unfortunately after increasing my score to 647, a medical issue became costly and severely damaged my credit score. I am back to work and need to repair my credit, get my bills current and save my car from repossession.

    Friday, September 27, 2013 at 6:24 am | Permalink
  92. Linda applied for the following loan:

    Purpose of Loan:

    credentials stolen in 2009. Had to settle for less due to the large amount of debt that was amassed on my cards. Also, loss of income in 2011 (loss of 1400 on the month). Took out payday loans to help close a loan (car title secured) because the car was totaled. Need money to pay off payday loans and get my head back above water. Currently paying over 800/mth interest on the payday loans and not making any headway.

    Friday, September 27, 2013 at 10:02 am | Permalink
  93. aimee applied for the following loan:

    Purpose of Loan:

    NEED MONEY TO GET BY TIL PAYDAY NO GROCERIES OR GAS.

    Friday, September 27, 2013 at 2:53 pm | Permalink
  94. BRITTANY applied for the following loan:

    Purpose of Loan:

    OUR HOME IS BEING FORCLOSED ON AND WE NEED A DEPOSIT TO MOVE.

    Friday, September 27, 2013 at 9:24 pm | Permalink
  95. Marietta applied for the following loan:

    Purpose of Loan:

    Need money to pay off payday loans. My credit wasn’t good enough for regular loans so I went this route. My daughter has bipolar disorder and with insurance her meds are $700 a month. Plus my husband’s job is having financial troubles. He’s working less hours than ever and we’re going under fast. The payday lenders take more than half my paycheck. Need to get them paid off so I can start paying my other debts.

    Saturday, September 28, 2013 at 7:56 am | Permalink
  96. Amanda applied for the following loan:

    Purpose of Loan:

    To get back on my feet, pay current and past due bills and be able to find a much better job. I need to be able to think and make decisions wisely instead of just reacting. Some wiggle room would surely help

    Saturday, September 28, 2013 at 1:29 pm | Permalink
  97. Terron applied for the following loan:

    Purpose of Loan:

    to pay back balances on bills from when my job closed down unexpectedly that i worked for two months so I could not get unemployment which put my bills behind, I am now working fulltime and trying to get back on my feet with my bills.

    Sunday, September 29, 2013 at 2:37 pm | Permalink
  98. William applied for the following loan:

    Purpose of Loan:

    I need to fix my vehicle to get back and fourth to work . I have been catching rides and it’s hard to find them.

    Monday, September 30, 2013 at 6:37 am | Permalink
  99. Charles applied for the following loan:

    Purpose of Loan:

    I’ve had a few unexpected bills and emergencies come up and need some funds ASAP. I will easily be able to get back on my feet in the next couple of weeks.

    Monday, September 30, 2013 at 9:05 am | Permalink
  100. Elizabeth applied for the following loan:

    Purpose of Loan:

    I am currently behind on my mortgage and other bills, I would like to apply for this loan to get my accounts in good standing and avoid forclosure or any other adverse actions.

    Tuesday, October 1, 2013 at 10:41 am | Permalink
  101. Jane applied for the following loan:

    Purpose of Loan:

    Pay off credit card bills and catch up all other bills (excise tax, etc.); ex-husband and fiance both were laid off some months ago, severely impacting my monthly cash flow; credit took a dive due to late payments. This would put me back on solid ground, if monthly payment is even remotely reasonable, and I’ll be able to work and take care of my family (I have two children) myself, which is all I want to do.

    Tuesday, October 1, 2013 at 10:53 am | Permalink
  102. Dawn applied for the following loan:

    Purpose of Loan:

    I tried to apply for a debt consolidation loan on line an insted of depositing emptied it I have rent childcare for my grandson whom i raising Im terrified hiim and i will be on street

    Tuesday, October 1, 2013 at 1:01 pm | Permalink
  103. Stephanie applied for the following loan:

    Purpose of Loan:

    I lost my job last year and was unemployed from October until February of this year. I found a new job, but I am making only half of my former salary. We had to move in May due to our Landlord selling the house we were renting and my husband’s car died. Between the moving costs and car loan and lack of former earnings, we have maxed out our credit cards and have payday loans. I would like to consolidate our debt into one manageable payment (without the credit score stigma of credit consolidation). I can verify income and employment if requested. I was at my prior job for ten years.

    Tuesday, October 1, 2013 at 1:44 pm | Permalink
  104. Mel applied for the following loan:

    Purpose of Loan:

    Me and my two children are moving and this extra cash will allow for charges having to pay for the move.

    Wednesday, October 2, 2013 at 8:42 am | Permalink
  105. Barbara applied for the following loan:

    Purpose of Loan:

    Need a debt consolidation loan to pay off personal bills and medical bills.

    Wednesday, October 2, 2013 at 9:58 am | Permalink

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