BAD CREDIT HELP – Instant bad credit loan

Question by Jesse: Can having bad credit effect me from getting a job at Circle K stores?
I applied to Circle K gas station for a job.And was just wondering if having bad credit would effect me from getting the job.I got laid off about 8 months ago and havent been able to pay credit card bills.Ive paid car payment loads,its just credit card bills and my old phone plan with verison still needs paid.Would these being unpaid effect this type of job im applying for or any other types of jobs?I hope not because makes it hard to pay them off if i cant get hired because of them being unpaid.

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Answer by Ayanna
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Question by Aimee M: How do I go about getting a personal loan when I have no credit?
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 00 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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Answer by Paul
You are eligible for personal loan. I would suggest you to check the link below for more info. http://money-review-site.com/loans.html
All the best

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Question by Mike D!: How can you go about getting a personal loan from a bank? What collateral do you usually need?
I will probably need to replace my car soon, but I don’t know that I want a traditional car loan because it would require having more insurance, and thus be rather expensive for me. (It’d be about double for me, as I don’t have a spotless driving record). I was wondering if instead I could get a personal loan from the bank, say in the neighborhood of -5K and use that for a car thus saving me a bunch of money by not needing collision coverage if I could pay for the car in cash.

Now the questions … is this possible, or is there usually some stipulation that you can’t use a personal loan for a car? What sort of collateral do you usually need for a personal loan? If you have good credit, can you get one w/out collateral? Any info would be greatly appreciated! Thanks!

Best answer:

Answer by WhiteWolf359
I don’t know what state you live in, but in Florida you are required to have collision insurance for at least ,000, even if you own your car. As to personal loans, yes, if you have good credit, you can usually get one with no collateral. Just explain to the bank that you want the money to purchase a new car, and arrange a repayment schedule based on your current income. Most banks will do that.

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Question by Jess B: Would getting a lower interest rate loan to pay off credit card be a smart idea?
I have just under ,000 on my card, which has about a 12% interest rate. I’ve never made a late payment and always pay above the minimum on all credit accounts/car payments/student loans. Would looking into getting a lower interest rate loan be a good idea or a naive one? I know personal loans like this are typically harder to come by, but I would like some opinions. Thanks!

Best answer:

Answer by froggyvrg
If you can get a lower rate, do it! But first, resolve not to use your credit card again or you’ll get into a real quagmire!

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