Bad Credit Financing / Loans ...

LimeGreenLaser · #1 (**permalink**) Mar 13, 06

Good day, my first post on fnk, and hope there will be some awesome replies. I am in need of a loan for around $10,000-15,000 and my credit is not too good, also because it is too new.

Does anyone know of any place I can try to apply for a loan with a poor credit rating for that amount? I am talking about with no co-signer, strictly myself. My collateral isn't anything big but a 2-3 grand vehicle. If anyone knows of any place I can try to raise those funds, please let me know.

Aiming to find places such as...

-in Vancouver, B.C.
-Canada-wide
-Worldwide places that offers worldwide loans

I've met a lot of scams online and wasted a lot of time and also brought me a lot of hope, assholes asking for scamming upfront / advanced fees!

Drazkers · #2 (**permalink**) Mar 13, 06

The only guys who are going to give you any money is the mob...

wishbone · #3 (**permalink**) Mar 13, 06

No one will touch you, guy. Sorry. However, I've found it easy to work big with HSBC through a co-sign'd line of credit (they've upped it periodically without my askings every 6 months by 2500 or so, what started as an 8 grand line of credit is now 15.5 three years later).

No one will touch you for 10k with bad/little credit with collateral not even close.

You're probably too young to be in a steady career job, as well.

b0ld · #4 (**permalink**) Mar 13, 06

sucks to be you.... my credit line is 35,000.00 ...

how did I get there.... well paying my bills.... if you are late on your cell phone bills alone that will mess your credit...

LimeGreenLaser · #5 (**permalink**) Mar 13, 06

Hey thanks for the quick replies guys :) Yea fuck I fucked up on a few cell phone bills, and applying at a few loaning places and now my credit is bad. Hmmmm from you guys' feedbacks, this isn't sounding too good for me

esoter1c · #6 (**permalink**) Mar 13, 06

Quote:

Originally Posted by LimeGreenLaser

Hey thanks for the quick replies guys :) Yea fuck I fucked up on a few cell phone bills, and applying at a few loaning places and now my credit is bad. Hmmmm from you guys' feedbacks, this isn't sounding too good for me

Suicide is always an option.:207:

LimeGreenLaser · #7 (**permalink**) Mar 13, 06

Quote:

Originally Posted by 3507321C

Suicide is always an option.:207:

LOL i'll be sure to look into that =P

Bitchin · #8 (**permalink**) Mar 13, 06

Are you working? f/t p/t? how many hours?
It what sense in your credit bad?

If you credit is real bad, I dont see you getting a loan with out a co-signer.

You'll probably have to clean up your credit before you can go for that amount.

could try for a consolatdation loan with wells fargo finacial but their interest rates suck.

if your car paid off? equity loan?

but anywhere you go, would requiere you to pay off all your debt.

LimeGreenLaser · #9 (**permalink**) Mar 13, 06

Quote:

Originally Posted by Bitchin

could try for a consolatdation loan with wells fargo finacial but their interest rates suck.

I've heard of wells fargo financial, but never applied there. Speaking of the consolatdation loan, what exactly is it?

And why do you think I will have a chance of approving? Is it some sort of easy approval loan?

Much thanks.

Bitchin · #10 (**permalink**) Mar 13, 06

consoladation loan is a loan you get to take care of debt... and more.

Becauase no bank is goin to lend to someone with bad credit.

You wanna borrow from a high risk lender.

with them you need to be with your job/or working steady for atleast 2 years. and be working full time. they have a better idea then I would.

you could also try city finacial, but I believe thier criteria is the same.

also if you say you just wanna apply for a loan, and they see your credit they'll laugh at you. Make sure you say consolidation loan.

But I seriously dont think you'll get a loan that big, without a co-signer and good credit.

wishbone · #11 (**permalink**) Mar 13, 06

Quote:

Originally Posted by LimeGreenLaser

Hey thanks for the quick replies guys :) Yea fuck I fucked up on a few cell phone bills, and applying at a few loaning places and now my credit is bad. Hmmmm from you guys' feedbacks, this isn't sounding too good for me

yea, i screwed up being late on a few cell bills as well, right now im repairing it to get a cc.

Asheai · #12 (**permalink**) Mar 13, 06

Quote:

Originally Posted by wizzfish

yea, i screwed up being late on a few cell bills as well, right now im repairing it to get a cc.

I've been in the same situation with a huge cell bill that ruined my credit, however almost immediately after paying it off my credit went back up again...with the debt, I couldn't get a credit card... after paying, I was approved... I didn't really understand it, but I thought it was pretty sweet :)

wishbone · #13 (**permalink**) Mar 13, 06

Quote:

Originally Posted by Asheai

I've been in the same situation with a huge cell bill that ruined my credit, however almost immediately after paying it off my credit went back up again...with the debt, I couldn't get a credit card... after paying, I was approved... I didn't really understand it, but I thought it was pretty sweet :)

I *think* with cell phone bills, once you get 'back on track' making a handful of months payments again, and yes, having cleared the debt, and shown you're on a good track, your credit bounds back. I'm going to reapply in two months or so (i'm in no rush for a cc due to my ilne of credit) since it was december when they called to complain about my phone bill (basiaclly for 3 months I put money against my bill, but after each payment I was always $10 short. I never received a bill because they messed up the online billing thing, so I was guessing. I blame myself for not following up, but whaetver :)).

Dj Franco · #14 (**permalink**) Mar 13, 06

Without a steady decent wage you won't get approved for that much without a co-signer. I've seen my friends go through this plenty of times and get denied. I got approved for my car which was about a 21 grand loan but i also had a 13 grand downpayment, so without that I would have never gotten approved for that much money and I have awesome credit, always pay my bills on time.

You have to build up your credit, you can't go for the big amounts just yet. Lease a car, that builds your credit up pretty good, and its easier to get approved for a lease. Do that and then go back to see if you get approved for 15 grand.

crookedking · #15 (**permalink**) Mar 13, 06

Quote:

Originally Posted by LimeGreenLaser

LOL i'll be sure to look into that =P

dude, don't listen to him! you're not supposed to take stuff seriously on fnk.

tiedye · #16 (**permalink**) Mar 13, 06

take out a $500 loan. Pay it off a week or two later. Then take out a $1000 loan. Pay it off a week or two later. Take out another $1000 loan. Pay it back a week or two later. Take out a $2000 loan. Run off to Tiajuana, where you can buy ANYTHING you want. Even a small child.

Toxxin Ephekt · #17 (**permalink**) Mar 13, 06

Quote:

Originally Posted by b0ld

sucks to be you.... my credit line is 35,000.00 ...

how did I get there.... well paying my bills.... if you are late on your cell phone bills alone that will mess your credit...

Not bad....My credit line is $ 325,000.00

Asheai · #18 (**permalink**) Mar 13, 06

Quote:

Originally Posted by Toxxin Ephekt

Not bad....My credit line is $ 325,000.00

to quote liquid from another thread: better, harder, faster! :P :P

Bevvy Swift · #19 (**permalink**) Mar 13, 06

1-800-MY-MAFIA.

they should sort you out. i dunno about thier interest rates though.

LimeGreenLaser · #20 (**permalink**) Mar 14, 06

Time to get on track! This little credit thing can easily be overlooked once you begin this habit.

Thanks Cheez, I pm'd you for more info =P

LimeGreenLaser · #21 (**permalink**) Mar 14, 06

Quote:

Originally Posted by Cheez

1-800-MY-MAFIA.

they should sort you out. i dunno about thier interest rates though.

Shiet! If/when I get this loan, I'll be sure to treat you to Fusion Dreams or something later on ;)

wishbone · #22 (**permalink**) Mar 14, 06

Quote:

Originally Posted by LimeGreenLaser

Shiet! If/when I get this loan, I'll be sure to treat you to Fusion Dreams or something later on ;)

.....................oh i get it, the all night mega dance event of the may long weekend. lawl.

LimeGreenLaser · #23 (**permalink**) Mar 14, 06

Quote:

Originally Posted by wizzfish

.....................oh i get it, the all night mega dance event of the may long weekend. lawl.

Get those moves on! BK last year for fusion, but this year insomnia already has a big name like that, don't know whos the big name for this fusion. Bring back Black and Jones! Hahahaha take my word wizzfish, if Blank and Jones really happens to be one of this year's headliners, I will treat you a ticket too, I'm crazy!!

wishbone · #24 (**permalink**) Mar 14, 06

Quote:

Originally Posted by LimeGreenLaser

Get those moves on! BK last year for fusion, but this year insomnia already has a big name like that, don't know whos the big name for this fusion. Bring back Black and Jones! Hahahaha take my word wizzfish, if Blank and Jones really happens to be one of this year's headliners, I will treat you a ticket too, I'm crazy!!

*shifty eyes*

you say it's your first post in this thread, but.......you're aware of my Blank and Jones fetish? I haven't had them in my signature for weeks..... *more shifty eyes*

And i'm holding you to bringing me if B&J come back, mysterious stranger I possibly know already <3

LimeGreenLaser · #25 (**permalink**) Mar 14, 06

Quote:

Originally Posted by wizzfish

*shifty eyes*

you say it's your first post in this thread, but.......you're aware of my Blank and Jones fetish? I haven't had them in my signature for weeks..... *more shifty eyes*

And i'm holding you to bringing me if B&J come back, mysterious stranger I possibly know already <3

Yeah, I've been surfing on fnk for a while now, I come here to check out the upcoming events =)