loan help: how can i get a loan with bad credit and without a cosigner - Help.com

More than likely you can’t. Do not get suckered into any payday loans either. Be very careful. I am sure you have heard this before, but if it sounds too good to be true, then it probably is. There are alot of scams out there and they wait for deperate people to sink their claws into.

I want to reinforce what Dolphin said–be VERY careful. Companies that are willing to make loans to people with bad credit are COUNTING on your f***ing up again. They are very slick and very smart and all they want is to cheat you out of every cent you have.

The only exception I can think of is that, if you work in a place with a good credit union, they will sometimes extend small loans to otherwise risky borrowers because they KNOW they are going to get paid–it comes directly out of your paycheck. Also, they won’t let you borrow more than you can safely afford to.

try prosper.com

Personal loans are quite broad in nature and are quite similar to the term loans. They are widely divided as secured personal loans and unsecured personal loans. As lenders are in business, they have to ensure that they will recover their money. Loan applicants with a good credit history can easily get a secured or an unsecured loan, based on their requirement, emergency and compliance.

A secured personal loan is economical if you need a big amount of money and are ready to use your asset as collateral. On the contrary, an unsecured personal loan is an excellent choice if you are reluctant or don’t own collateral and need money quickly or for short term. A secured loan carries low interest rates, flexible repayment terms and simple loan clauses. On the other hand, an unsecured loan, carries high interest rates and rigid repayment terms and conditions.
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