Bad Credit Personal Loan? All out of resourses....?
I recently started back at school after experiencing years of bad luck. I am only 23 and have never had a CC or any kind of loan through a bank or otherwise. After being turned down by every bank and financing company I can think of, I am out of answers!!! I need to know what I can do to obtain a personal loan, it's not alot but its needed desperately. Its for dental surgery. I need it soooo bad!! My dentist quoted me at $2500.00. Pls if anyone knows of any place I can apply, let me know. I live in Canada. I dont own a home. I don't own a car. I am a single student, full time employed. I just need someone to cut me a break.. and free me from this pain in my mouth.. *sad face*
Public Comments
- oh man im really sorry, i live in the united states um what about ur parents?? good luck buddy peace out
- Not sure if it is valid in Canada but i know capital one offers dental credit and they make it pretty easy to qualify for. A lot of people qualify that don't for other things. You can also try orchard bank card they offer a credit card for high risk people and even horrible credit. It is not a secured card either. A friend of ours got one of these thru household bank. You can try that too... May you can do it in steps to get all the work done. Good Luck!
- Ask the dentist if you can make payment arrangements. Or find one that will do it. Even if you got a CC it would only be for a small amount to start. You might try a student loan. But I am not sure how that works in CA. In the USA you can get more than what is owed or needed for other things with school loans.
- eeek, move to the UK where you will get free dental and medical care! I don't know about Canada, but in the UK, if you've never had credit its even more difficult to get. My advice is start off with one of those high interest credit cards and stick to minimum payment each month. They will only give you a very low amount to borrow like £150. Then if you keep your payments on time for about 4 months that will improve your credit rating. I know it might not help now but will in the future. If you are a student, will you be able to keep up the repayments? Most lenders will see you as a risk sadly ;-( I hope you get it sorted soon ;-(
* Some answers may have been provided by Yahoo! Answers.