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Advice on Personal Loan

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Money Talk > Credit & Loans

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reeling
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Some good tips are posted here about Credit and Loans but you must calculate at least 3 times to see whether you can repay it or not.
Post Sun Mar 04, 2012 10:11 am
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lena012
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I think you should go with personal loan if you only need a small amount fo money.You can meet your financial requirements taking care of all kinds of expenses in the short time period.
Post Tue Mar 20, 2012 2:39 pm
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asapcc
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As other posters have mentioned, it might be hard to get an unsecured loan for $25K. But it's definitely worth a try...

Another method that might be worth considering, although it should be used with caution (and other members might scoff at it), is transfering your balances to 0% APR credit cards. Most likely there will be a balance transfer fee involved, but you will undoubtedly save over your normal interest rates. The key is, don't create any new debt and keep paying down your balances. If you can't pay off the balances within 18-24 months, then consider switching to another 0% offer.

If you can't transfer everything, then obviously keep paying down your highest interest rate cards first. Over time, you can save using this method -- as long as you don't make the mistake of racking up even more debt...
Post Wed Mar 21, 2012 4:52 pm
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Tylertim
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In the present days, getting a personal loan from banks or credit unions is not an easy matter. They can offer loan only for sound credit people. But some online lending financial institutions are giving short-term loans without checking your account. You can try to get loan from these lenders to meet your emergency financial needs.
Post Thu Apr 05, 2012 1:35 pm
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iwillguide
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People who are suffering with bad credit usually It is very difficult to get a personal loan from bank. But some direct lenders offer unsecured personal loans with minimum interest rates. These loans are only short-term basis and they must be repaid by your next payday.

loan places | loans near me |payday loans near me
Post Fri Apr 06, 2012 10:48 am
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eastmn
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Unsecured loans at my credit union are 15% interest; and they only allow a certain percentage of your income (15% of yearly salary) for the loan (credit line).

...
Post Mon Apr 09, 2012 4:47 am
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eastmn
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Somewhat similar stories:
http://money-talk.org/msg87793.html#87793
http://money-talk.org/msg89255.html#89255
http://money-talk.org/msg78421.html#78421

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Post Tue Apr 10, 2012 5:11 am
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Lisa Smith
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There is no requirement of credit donation in the credit union. I think you must go on with your searching.
Post Thu Apr 19, 2012 12:52 pm
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moren
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Obtaining loan with bad credit from banking institutions is very difficult in the present financial world. Because banks are offering personal loans only for sound credit people or job holders. If you need urgent money to meet your money needs immediately, it is better to obtain a loan from online lenders. Because they are providing instant money especially for bad credit people. You can easily get the loan amount through your bank account within one hour.
Post Wed Jan 02, 2013 2:00 pm
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marionsawyer
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As personal loans for people with bad credit go, the best loan option is often closer to home. Approaching a member of the family for a loan can provide the most cost-effective solution to the need for extra cash.
Post Thu Apr 11, 2013 10:28 am
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elwinmerle
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A personal loan can be a lifesaver in situations where you need a lot of money fast. If you're not careful, however, repayment can become a huge problem, with interest rates causing you to spend far more money than you would otherwise.
Post Thu Apr 18, 2013 5:45 am
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BlushingFlies
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I think before taking loans you have to think twice because these days most of the people suffer because of loans, they take loans after that they can't pay it and they fall into trouble.
Post Thu May 09, 2013 11:15 am
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repaydayloan
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There are cases when everyone needs money urgently for a number of purposes but lacks the necessary sum. Borrowing from friends and relatives doesn't seem so appealing, as there might be a feeling of embarrassment. Borrowing from banks and other financial institutions usually requires lots of time and nerves, but the most negative factor here is that you may not receive money as soon as you'd want to. However, there's no need to despair as we are here to offer instant payday loans online.
Post Fri Jan 22, 2016 5:48 pm
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