Personal loans

A local bank or credit union. You can try a finance company but they usually charge a higher interest. We were paying 36% at a finance company but the do offer loans to higer risk people. But now with what has gone on the past couple of days it will probably be very hard to get a personal loan. You will have to secure it with something of value. Or get a co-signer thats has good credit.

Just don't fall for one of those internet scams for loans for people with bad credit. You will end up paying $50 and then they will send you a list of lenders, well most of the lenders are payday loans. And you do not want in that cycle.

Not sure if you are aware of this but we are having some economy issues, where banks and institutions that have been around for 156 years are closing because of the economy. The loan possibility for someone with excellent credit is a little chance for them your possibility is even less. If you find one be sure that your interest rate is not so high. Really have learned so much about the whole financial industry. Once you have gained more education about the correlation between world affairs to our little individual affairs. Good luck

Ain't that the truth!!It's really crazy how things are now. I know people with the BEST credit..and can't get a loan anywhere ( it seems like). Houses are being foreclosed and the economy is horrible now. Nothing is selling and stocks/bonds are dropping 'like flies'. Don't fall into the PDL cycles, or the Cash Call cycle. It's almost impossible to get out of.

Sometimes it may be good to look through your phone book and look for a local finance company (not a PDL). I know a few by me (in Chicago) that are reputable, and because they aren't banks they are willing to take on customers with blemished credit, with rates in the 18-29% range.

Call around, ask what rates they charge. If you find one that sounds decent, before you fill out a credit applicatoin, check to make sure they are licensed and then look them up on BBB.