Personal loan

[Admin - Jon McNamara]

Seems like a wide variety of requests for different types of personal loans and uses for them...cars. vacations, debt consolidation or what not. Always read the fine print of any application closely, and be careful what the money is spent on. As it can be all too common for low income families or people to get into a debt spiral. But find details on loans to get.

I am in need of a personal loan to pay for a car so that I can keep my job as well as support my kids by attending school events, supports activities, community events.

[Seavers]

Hello,
 My name is Shawanda Jones and I'm a single mother of three. I am in need of a personal loan to pay for a car so that I can keep my job as well as support my kids by attending school events, supports activities, community events. The car I had for only five months which I was making payments on has a blown engine which will cost 5400.00 to repair. I am not looking for a hand out I am willing to work from the hours of 4pm to 10pm to pay off the personal loan. I already work 715am to 315pm as a childcare teacher. If you can help me in any way that would be great. If not thank you for your time and you have a Wonderful day. 

[Apple One]

My family is about to lose what little we have due to being off work for injury and illness for several months. Is there anything that you can do or donate to help? It's just myself, my wife, and our 6 year old daughter. We were unsuccessful in getting any personal loans or help from our local and government resources. Anything will help. Thanks so very much!

[Janel]

I need help with a few bills I’m behind on before I’m homeless and carless. I work at VA fulltime and can pay back a personal loan...after a couple setbacks I’m in a position that’s mentally torturing me.
I have severe depression anxiety and other mental illnesses that’s only getting worse...if I don’t get help before March 31st I’m not sure what will become of me.
Please help I’m desperate and tried every place you can imagine for a loan...no one will help me because I’m behind on bills. I need a loan of at least 1450.00.......can you help or can you tell me who can? I am a 7 year veteran and everyone I email no one is answering me please help me. Thank you.

[Admin - Jon McNamara]

Since you indicated you have a car and a job, maybe try a title loan. But only do this if you will pay off the lender with your next paycheck. Be sure to shop around for rates and most importantly, origination fees as you only need the money for a week or so. But even this should be a very last option. Can't the husbands father provide money for the 3 minor kids? Anyway, if you insist, find information on automobile title loans.

I am a single mother with 3 minor children at home, who is soon to be displaced on July 1st. We do have car in decent shape

[chavez]

I just left an abusive relationship because it had got so bad. I'm having a hard time finding affordable rent for me and my 2 children. My father will give me a personal loan for security but I am currently unemployed though I am a hard worker and eager to work but can't afford daycare and rent. It seems completely impossible. I am a lovely mother but feel hopeless and lost. Please help guide me if there is something out there to help me and my children. Thank you in advance.

[sasolis]

Got with paperwork in hand to the lending institute and ask them to explain this to you. I hope you aren't entangled with a predatory lender but if they can't explain it to you, red flags. If it is high interest and long repayment you will not see payment go towards the principle for a while. In addition if you are late they will take the late fees first so you may not see the principle shrink. Go to your state's attorney generals office if you can't get the answers you seek.

[Moodys]

To whom this may concern,
I would like information about a personal loan that I have. I have been making regular payments for almost two years but have not seen my balance decrease. I looked into my payment history and noticed that every payment that I have made the majority has been applied to interest and several payments all of the payment went to interest and nothing to the balance itself. I'm not sure if this is legal and would like to find out what I can do about this. Please help. Thank you.

[Train]

I am a single mother with 3 minor children at home, who is soon to be displaced on July 1st. we have been at this residence for 4 1/2 years and the land lord wants to place it on the market and has offered to sell it to me for as long as I have been here, however, income property seems a difficult loan.

At any rate, I have been able to manage the rent up until recently as I have been enrolled as a full time college student at an online University. Just a short distance away from receiving a BA, my school loans in which I have been using to pay rent are no longer available. My low-income job does not provide enough for a traditional loan. I wish I had looked into other options before, however, my situation is now desperate. Being displaced with no available money to even move into a small overpriced apartment is a scary place to be. If I can at least set something in motion for the future, I can get back to school finish the last 5 classes, get my degree and a better job. Transition is always difficult.

[Southwest]

Hello. I am interested in the small loan for temporary help, since I am not working at this time. I live in Parsippany, NJ. I will be working again, and getting a paycheck on September15th. My last paycheck was June 30th. I went through a bankruptcy and it discharged on Feb. 21, 2012. I have tried modification, hope, and HAMP and they all say no. My loan was originated in 2010, and they say this is a problem. Please email me concerning this. Thank you.

[Admin - Jon McNamara]

Anytime we hear a personal loan we tremble. If you are working again, then you have income, so do not take out a personal loan. It will just put you further behind. We recommend people start by checking in with a non-profit credit counseling in Pennsylvania first, before taking out any additional loans. They may have other options, can provide you advice on how to budget, and other help.

I am writing for help in securing assistance. I am a newly disabled individual living in Pennsylvania who is seeking a personal loan to improve my quality of life by removing stressors in the moment. I am employed full-time and am able to repay the loan; however, as a result of my disability, I have also lost my good credit rating due to being out of work following the transition. I am back to work and would like to acquire a personal loan to ease the transition. I would appreciate any information you might have to offer regarding where I could obtain such a loan with less than stellar credit. Feel free to contact me via email. Thank you for your time.

[merger_99]

I am writing for help in securing assistance. I am a newly disabled individual living in Pennsylvania who is seeking a personal loan to improve my quality of life by removing stressors in the moment. I am employed full-time and am able to repay the loan; however, as a result of my disability, I have also lost my good credit rating due to being out of work following the transition. I am back to work and would like to acquire a personal loan to ease the transition. I would appreciate any information you might have to offer regarding where I could obtain such a loan with less than stellar credit. Feel free to contact me via email. Thank you for your time.

[Admin - Jon McNamara]

Well, you can maybe pay off those debts with a personal loan, but only do that if the interest rate is less than your current 15%. So for example,if you can get a personal loan for 10%, then those founds can pay off your 15% debts, and you in effect save 5% per year, or about $50 per year. But always read the fine print, and only do this if the rate on your new loan is less than 15%. Find a bunch of information about personal loans, peer to peer lending, and other loan products here.
http://www.needhelppayingbills.com/html ... y_can.html

Hi I am interested in getting some information on how I can apply for a personal loan. I am $1000 in debt with my credit card bills and paying about 15% interest and I would like to finish paying them off before the new year. Of course I would like some form of loan that has a lower interest rate than that so that I could pay off my credit card bills and debts. If you can help that would be great. Thanks

[1Liza2]

Hi I am interested in getting some information on how I can apply for a personal loan. I am $1000 in debt with my credit card bills and paying about 15% interest and I would like to finish paying them off before the new year. Of course I would like some form of loan that has a lower interest rate than that so that I could pay off my credit card bills and debts. If you can help that would be great. Thanks

[Admin - Jon McNamara]

Are you by any chance a member of a credit union? If so, many offer short term loan products known as stretch pay loans. They are lower interest, very low fees. While usually can only get several hundred bucks, maybe that is all you need? Here is more information on stretch pay loans. Also look into FDIC small dollar loans, or even a personal loan from a major bank such as Wells Fargo. A Payday loan should be your last option, and only if you really need the cash and are in dire emergency.

Hello,

I need help finding a small loan that considers unemployment benefits as income. I have a good credit score due to cutbacks I was laid off my job I need a small loan, to cover some of my expenses (rent etc) until my school check comes in any ideas?

[bjaalexan]

Hello,

I need help finding a small loan that considers unemployment benefits as income. I have a good credit score due to cutbacks I was laid off my job I need a small loan, to cover some of my expenses (rent etc) until my school check comes in any ideas?

[Admin - Jon McNamara]

There are some banks in the Pennsylvania area that offer the FDIC small dollar loan program. They are great alternatives to payday loans and other high interest rate options. It is a government supported program. More on government small dollar loans. For example, call Wilmington Trust, which is close by in Wilmington, DE . I think that is the closest to you. Also feel free to call them to see if another bank is even closer.

I was looking over your web site And I was interested in some of the information that was on the site.I wanted to know if there are any banks in Philadelphia,Pa that offers low-income dollar loans, or small dollar loan program.from the FDIC program also are there any charities that help people that are low-income with security deposit and furniture.Also how do we get in contact with the jobs that are work at home jobs like mystery shoppers and home call center.

[TimothyMcConnel]

I was looking over your web site And I was interested in some of the information that was on the site.I wanted to know if there are any banks in Philadelphia,Pa that offers low-income dollar loans, or small dollar loan program.from the FDIC program also are there any charities that help people that are low-income with security deposit and furniture.Also how do we get in contact with the jobs that are work at home jobs like mystery shoppers and home call center.

[Franklin]

my wife is disable, draws a small disability check each month. she is 66 and i am 77, i would like to find where i could get a low interest loan to pay , rent electrie, city credit card , groceries and other bills that we have. she is on oxygen 24/7 and the machine for her oxygen runs about 35 dollars a month in electric, she has to have ac, and she has alzimers. we are struggling to make ends meet. we get 1250 per month.thats ssi and disibility checks combine. can you give me any suggestions. thanks a million.

[Admin - Jon McNamara]

So you need some type of short term loan or financial help. If so, numerous resources, including loans, may be able to help you in your situation. Some loans are offered by credit unions, some by the federal government, and you have such options as peer to peer lending. One new and up and coming program is the FDIC Small Dollar Loan, which caps interest rates at about 15%. So much better option than a payday loan/lender.
http://needhelppayingbills.com/html/pay ... y_can.html

I've looked on your site, but I'm not sure where to start. My situation is this:

I've lost pay at work as well as hors ($500.00)
I've been overdrawn every time I get paid (direct deposit bi-weekly-most recent 5/6/11)
My daughter is living with me (Age 19-just found employment-won't be paid for 1 month)
I'm paying my ex $300.00 child support
I'm behind on ALL of my bills

I'm trying to locate a lender who won't charge me an arm and a leg to get a personal loan so I can get out of this hole and caught up and then make changes to my bills (elimination of most). I've already gone through my bills, and they total as follows:

Total monthly bills=$1818.31 (mortgage/ car payment/ auto insurance/TV/ water/
trash/ gas/ electric/ phone/ internet)---will eliminate Internet and TV
*************************I haven't even included groceries*******************
Total income=$1828.70-------now as of Feb 2011

Total income=$2249.34 (prior to Feb 2011)-------------------------------------->total loss of income=$420.64

Right now, I have $6.00 in my checking account and I just got paid today. I was
overdrawn before ($166.00) and had to draw an "advance" and they charge $2.00/every
$20 (I requested $460.00=$506.00)

I found some great tools to keep me on budget, but I need to get out of this hole first and I need guidance and assistance. Where can I turn?