Personal loan

[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?

[LinaS]

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?

[Admin - Jon McNamara]

Why do you think you can't get a payday loan, or some other type of poor credit loan? Especially if you are starting a new job you should be able to qualify for this type of loan or assistance. A payday loan you would be able to use to pay your rent, car repairs, or other types of bills and expenses you may have.
http://needhelppayingbills.com/html/pay ... tml#payday
This link has information on the pros and cons, and payday lenders.

Hi there,

I just happened to come across your site here and I am really in a financial bind where I live in an apartment complex in Milwaukee, Wisconsin & my vehicle was towed off the parking lot as my loan payment was due. The end result was I had to pay over $340.00 to get it back when I had every right to park there. I addressed my apartment manager & he basically said "tough". Well now I'm in a situation where I can ot pay the rent for this month (November 2010). I don't believe that I qualify for any payday loans because I'm not working right now. I will be starting a new job by this weekend however. I really don't know where to turn. If you could give me a lead or two on places that I can go where rent help is available or some type of short term personal loan, I would more than appreciate it. I mean it dosent even have to be for the full amount. Maybe a half, or even 1/3 of it, just so I can avoid an eviction process. Thank you so much for taking the time out to read.

[Bw19]

Hi there,

I just happened to come across your site here and I am really in a financial bind where I live in an apartment complex in Milwaukee, Wisconsin & my vehicle was towed off the parking lot as my loan payment was due. The end result was I had to pay over $340.00 to get it back when I had every right to park there. I addressed my apartment manager & he basically said "tough". Well now I'm in a situation where I can ot pay the rent for this month (November 2010). I don't believe that I qualify for any payday loans because I'm not working right now. I will be starting a new job by this weekend however. I really don't know where to turn. If you could give me a lead or two on places that I can go where rent help is available or some type of short term personal loan, I would more than appreciate it. I mean it dosent even have to be for the full amount. Maybe a half, or even 1/3 of it, just so I can avoid an eviction process. Thank you so much for taking the time out to read.

[lorendep]

HELLO.MY NAME IS DOAN HALLECK , I KNOWN ENGLISH LITTER. IAM SCARE AND WORRY DON'T KNOWN HOW TO SAY THE RIGHT WAY . PLEASE , PLEASE . PLEASE ,HELP . THANK YOU VERY MUCH
PLEASE HELP ME HOW APPLY GRANTS FOR HOME PERSONAL