not looking for a payday loan...
Date: Thu, 04/13/2006 - 12:51
Sounds pretty simple huh? Thing is I've got fair, at best, credit and I've tried applying to the "big boys" (Key Bank, TCF, Wells Fargo) and they just keep on turning me down.
Anyone know of a good bank I could apply for a $3,000 unsecured loan with payments of around $200-300/month or so?
Any ideas on how I could go about working with the "big boys"?
Do you know why you are being denied? Have you pulled your cred
Do you know why you are being denied? Have you pulled your credit report to see what negative items are affecting you? Depending on your situation, you may be able to improve your credit enough to work with "the big boys".
You might want to try a credit union, sometimes they are a bit m
You might want to try a credit union, sometimes they are a bit more lenient. :)
~Mary
You might have to straighten out few items on your credit report
You might have to straighten out few items on your credit report first. Pull your report and try to understand the reason that the big boys denied your credit application. Yea, credit unions are pretty easier to get a card approved.
True, Credit Unions may be more lenient. Also, some Credit Unio
True, Credit Unions may be more lenient. Also, some Credit Unions offer "payday" type loans. Not sure if this is true around the country, but in NC we have credit unions that offer this service. However, there is one HUGE difference. Credit Unions have a cap on the amount of interest they can charge. Therefore, these "payday loans," which they offer without pulling a customer's credit, do not come with the exorbitant interest and fees of a traditional payday loan.