Teresa D asked:


Paying off and paying on time my current derogatory items is not bringing my score up if anything my score has dropped 30 points within 3 months. Will a personal secured loan help to get my score up?

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eiredanni8 asked:


I have an older car as collateral for the personal loan with about $3000 left on it, and my current auto loan for $14,000 at a 13% rate. Can I combine them into one payment?

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icu123 asked:


my current credit score is 662(equifax) and i have 6 accounts with 1 account close to credit limit(1500 limit- 1150 revolving credit)the other 4 accounts are credit card accounts and the last is a auto loan. i have never been late on any payments since opened. i do not have a long credit history, about 4 years old. the last month i paid a lot towards all cards to bring down limit. my question is do i have a shot at taking out a secured personal loan for 50,000 with using my fathers auto as collatoral. his car is financed and is currently still making payments on it. the car is currently worth about 15,000. if you think i have a chance can you please list if you know of any reliable lenders who will approve me.

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Kdawggy asked:


I am a university student and have been using an extended line of credit to pay for personal expenses. Its reached $5000 now, and the bank refuses to extend it further because I’m currently unemployed.

I only have 2-3 months until I graduate with a degree in mechanical engineering. I have a full credit load, so working isnt a great option. I feel that my current loan accruals and the additional $1000 I want for the next few months could be payed off quickly with a new job.

The banks don’t care much for potentiality however, and I feel like I’m stuck.

Is there anywhere or any method that one can get a personal loan without a job (perhaps with the ME degree being factored in?)

Thanks
The prosper site seems like a great idea. I believe it says, however, that every month repayments are owed.

I’m looking for a 4 month or so window. Then I should be able to pay it in almost lump sums… unless that’s not allowed either >:O

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