jyjck5

Hey I searched for loans and I see many of you have experience. What I didn't find was who do you guys loan from.

Im trying to get a 3, 4, or maybe 5g loan and this will be my first loan. What are some reputable loan banks? Where are the good deals at? I dont know squat about loans because this will be my first. Can you help me please?

FooK

your best bet is a credit union, depending on what the loan is for.

someone in your family must be a member of a credit union. that instantly makes you eligible to join them, start a savings...and then apply for a loan.

kain

wachovia mang.

jyjck5

This loan is for a car and some parts for auto x. Thanx for the help too.

R-MAK

Credit Union is young person friendly, and the bankers are quite flexable too.

ibby

ur local loan shark

PoorMansPorsche

you better have serious collateral or a home.. no one wants to loan you that amount of money unless its a small mortgage against property. or you have perfect credit.. lots of people do hard money loans.. which is like when you find some company or person who has awesome credit he gets the loan then flips it to you for a much higher percentage.

FooK

I started my first auto loan at about $5500 with a credit union, no collateral, and have a 12.25% interest rate

everyone else wanted to give me like 24%

PoorMansPorsche

Yeah thats about the *** ------- I was expecting.. thats what they call a "hard money" loan.. with a home or some form of solid equity you can get it at 5-6% easy.. any how.. it doesnt sound like he wants a just auto loan.. like you cant just get 5k on a car that worth 2k and spend the rest on mods.. they pre-approve you for max-val.. or approve the purchase price and give you that amount.. they dont just say.. heres some money buy some ----.. and pay me monthly.. they want to be able to confiscate the worth of the loan back.

AgentMurdoc

just get a buncha credit cards and do it that way. Purchase the products you want with the credit card. If you need cash to purchase items, see if the creditor will issue you a convenience check (i think thats what it's called) and wirte one to yourself and deposit it. If they won't or don't, sign up for another PayPal account and setup the credit card on there, and send it to your other account. The only sucky thing here is you will have to bite the 3% fee.

What I have done.

Sign up for a credit card, and have them send me some checks. Wrote myself a 2k check and deposited it.

PayPal, I have 2 accounts. I paid myself some money. I did not use quashi cash, that is because some creditors will look at that as a cash advance and charge you accordingly.

I also got a small loan from a company that works with people with no/bad credit, so it was easy for me. The company is called Beneficial, I know they have a website, you could look it up. I think the loan I got from them was like 1.5k or something. Their max loan is only like 2.5k i think.

So yeah, if you don't get a straight out loan for the amount you want, you can do these methods. Remember Me= no real job, no fixed income and no paycheck stun or anything to show people pay me.