If she can get a home equity loan, that would be the best route, but they do take a couple of weeks to complete.

Most banks will not do personal loans that are unsecured. Unless she outright owns the car, and it worth more than what she wants to borrow, then it will have to be unsecured. A personal loan will have to be done through a financial company such as CitiFinancial, Wells Fargo, etc. But the interest rates are around 19.99% no matter how good the credit score is. And they are front loaded with interest.

they should be able to get a loan.
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Her house shouldn’t show up on her credit report yet. … they have to make a payment for it to be on there, for the most part. (Some exceptions– have her pull her report.)

She could also try Amercan General @

maybe it would be better for them if they borrowed money from relatives. no interest that way.

She could get a home equity loan. If I were her though I would apply without the husband. His credit score is going to have the bankers running.

banks have their own credit scoring system and i think hers is right around the lowest they accept. having just bought a house im not sure what their chances are and it also depends on how many revolving/instalment accounts you have open and how many times youve applied for credit recently, bankruptcy, delinquent accounts etc….. but its very easy to go to the bank and apply. tell them to try it