I am trying to come up with about $4,000. I am interested in hearing any ideas on where to borrow the money. I would prefer borrowing this without securing the loan if possible. I will pay any reasonable interest rate. Anyone have any good ideas or know of good places to try other than a bank or LendingTree? The banks would probably loan it to me but it would be secured. I could pay it back in any normal term, 12, 24, 36, or 48 months but I would not want any prepayment penalty because I would be paying this off early. I am just looking for any ideas so thank you in advance.

[roxette]

Hi gumbo30346

Welcome to the forums.

This company does not offer any loans to the consumers. May I know the purpose of this loan? The reason of asking this question is that if you are taking this loan to pay off your past debt accounts, you have a better choice without putting anything as collateral.

You can use a consolidation program which will combine all your debts into one amount at a lower rate of interest. Hence, you will be drawing only one check in case if you have multiple creditors. Besides, the late fees and other financial charges will also be eliminated from the total amount.

The benefits of the consolidation program have been listed in this page. Please have a look

http://www.debtconsolidationcare.com/benefits.html

I will like to hear from you before I go ahead in explaining a bit more about it.

Regards
Roxette

[gumbo30346]

Roxette, thank you for the reply. I have been reading these forums for several months now so I was not requesting a loan from this site, I was asking the users for advice on where I might could get one. I also understand consolidation programs that this site does offer and I know exactly how they work and what they can do for me. I am not exactly in the market for a consolidation program, at least not at this time. I am, however, in a serious bind in which the $4000 would relieve if I could find a company or someone to loan it to me. Again, I appreciate you taking the time out to post a reply and I would like to hear more about the services you offer at some point if you would like to send me an e-mail or something but this current situation I am in could not be fixed with a consolidation program. Thank you very much!

[roxette]

Hmm..Let's wait for others who can offer you some suggestions here. In the meantime, you can do some research on the loan companies and check their standing in the BBB website. A good company will not have consumer complaints against them in the BBB. Also, you can do a better research by contacting the attorney general office in your area. The office keeps a track of all the lenders licensed to do business in your area.

You might also be having some local lenders in your area. You can check with them and see if there is any help. It is better to deal with a local lender in comparison to someone who is out of the state. Any types of disputes will be solved in person.

[4u.bryan]

gumbo30346,

Why don't you browse the Lenders Directory listed at the top of this page? Try it and let us know your experience

[ben]

Why don’t you browse the Lenders Directory listed at the top of this page? Try it and let us know your experience

This is something new for me here. Where is the Lenders directory? I will like to have a look.

[4u.bryan]

Ben,

It is there at the top right corner of this page. Lenders Directory is a good resource of financers from all over the country.

[gumbo30346]

Bryan, I tried the Lenders Directory at the top of the page and it led me to mortgage information and another forum. There was no information on unsecured loans...

[4u.bryan]

gumbo30346,

You can get the contact details of some financers in the creditors' directory of this site. Hope it will serve your purpose

http://www.debtconsolidationcare.com/creditors/