Jan
28
How do I go about getting a personal loan when I have no credit?
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I am 18, just getting prepared to go to college, and I have no credit whatsoever. I don’t need student loans because my dad pays for my school. However, my boyfriend and I live together and we just bought $1500 worth of furniture from his brother. Now, we were supposed to stick to a payment plan since we don’t have a huge income, but they want the money now. My boyfriend is just going through bankruptcy so he cannot get a loan of any sort. How can I go about getting a personal loan to pay them off? We are both employed so I am not worried about paying it off, I am clueless as to how to even get the loan if I can. Any and all help would be appreciated. Thanks!
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5 Comments
May 11th, 2009 at 4:52 pm
You are eligible for personal loan. I would suggest you to check the link below for more info.
All the best
May 15th, 2009 at 4:21 am
you will need a cosigner, or beable to build some credit. you can do that pretty easy. get a cell phone a make sure you pay your bill on time. once you have a phone, electricity, ect hooked up in your name, all of these build credit. get a credit card. buy one thing and pay it off. that will build your credit fast too.
May 15th, 2009 at 2:20 pm
try check and go or the pawn shop. I’m glad i don’t have your problem
May 15th, 2009 at 2:44 pm
Ok since you dont have credit you can either apply for a small school loan and take the money directly which is in a way fraud but you are in school and school loans cant be denied to any one unless they have retched credit.
Your other option is that you will need a cosigner that has good credit and that a bank would approve so pretty much they have to have credit and be able to cover the payment amount in case you should become unable to pay the amount and go to a credit union they typically approve easier over a major bank branch so good luck with your loan
May 17th, 2009 at 9:52 pm
You would have to find a good co-signer who will sign for you. If you got the furniture from his brother, and agreed to payment arrangements, they can’t really ask for all the money up front. You should have been smart and gotten it in writing….