Bad credit loans?
We have some credit issues and no collateral to offer. We are moving and in a bind and need a loan. I prefer not to do a payday loan, but to get a loan that I could repay with monthly payments. Any feedback is appriciated (with the exception of people blasting me about my credit). Thanks!
Public Comments
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- First of all, I would not suggest doing any type of online loan. Chances are, depending on where you live, there will be a small loan store. These stores could do payday loans, title loans, and/or signiture loans w/no credit check. Payday loans are usually between $50-$500 depending on the laws in your state, but most of the laws require that you pay back the loan in full by the maturity date. Title loans can range anywhere from $50-$5000. If you own your vehicle, a title loan may be the best route as you can usually make payments on these types of loans. Title loans are ok as long as you pay the lender back, or you will lose your vehicle. Most title loan stores offer some type of 0% for 30 days promotion. Be sure the store manager clearly explains the terms and conditions of the loan so that you completely understand. If you don't have the title to your vehicle, you could always check into a "no credit check" small loan. Examples of these types of loan providers include American General, 1st Franklin Financial, World Finance, etc. Loans at these types of stores (as well as title loan stores) will be at a higher interest rate, but depending on how bad you need the money, it may be worth it to you. Just don't get yourself in too deep.
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