bad credit payday loan
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I Need a Loan
Asked by C.B. from Oklahoma City
on October 29, 2007
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Our credit stinks! We have had a hard couple of years, child with cancer; husbands job change; etc... I have tried to get things back on track but have had no luck. ...
Answers
- We got into quite a tight spot and were using payday loans. You can get up to seven at a time (at different places) and they vary on repayment plans (ours was 2wks). T...
- Kinda vague on what for and how much....if it is for going back to school try to get a pell grant...4,000 and you don't pay it back....it disperses as you go to school...
- It may be too late, but if it's medical bills, you can always contact the hospital or doctor and tell them your situation and sometime they will give you a discount or...
Title Loan
Asked by J.C. from Dallas
on April 6, 2012
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Hello, i was wondering if anybody know's how a title loan works?? does it cost a arm&leg to pay it back? have any of yall ever done it before? thankyou for the help!!
Answers
- Don't do it!!! Yes, any loan, especially a title loan is going to be a HUGE intrest! Easy money always comes a high cost.
- DO NOT DO IT! My ex did it and the interest was 148%. And if you get behind one payment, its hard to get caught up! AND they hold the title so they can TAKE YOUR CA...
- If you look at the fine print of these loans they are usually 100+% interest. A credit card at its worst is only 30% and you can get credit cards that charge less tha...
Mom Seeking Info. Regarding Loans or Payday Loans
Asked by B.H. from Detroit
on December 8, 2009
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Hello,
I got this info in the mail the other day that said I was pre-qualified to receive up to $700.00 in credit/loan. I went online to check out the website and di...
Answers
- I used to work at a bank where I saw many of these types of loans overdraw peoples accounts. Here are a couple of things for you to think about: Do you have plans fo...
- Hello. This can seem like a quick and easy way to get a little cash on hand but if you pay a $45 fee over one month that is equivalent to a 180% apr!!!!!! I can't ev...
- DON'T DO IT!!!!!!!!!!!!!!! The government keeps a close eye on these places since they are such rip-offs. If you don't have the money to buy your kids Christma...
Pay Day Loan?
Asked by F.S. from Dallas
on October 4, 2010
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Anyone ever get a pay day loan? How exactly does it work? The pros/cons? What place did you go to? What do you look for? I see them everywhere so I'm wondering ab...
Answers
- don't do it if you can avoid it. they charge more than a cc would, i've never done one, and have heard nightmare stories. if you can refrain from a loan like that.
- BAD IDEA! Always. Avoid these things like the plague.
- DON'T DO IT. The best deal was 20% cost and it was due in 14 days or there was a 40% fee. They run the check through on day 14 no matter what so you better have the m...
I'm Getting Married to a Man with BAD Credit
Asked by C.E. from Jackson
on June 2, 2009
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I love my fiancee' very much and cannot wait to marry him. Quik question though. His credit is not swell and he owes out a fair amount of money. That we cannot afford ...
Answers
- Hey C., My advice is to seek legal advice about protecting yourself. I always swore to marry someone who cared about their credit and debt as much as me. I just f...
- The laws have changed a bit, but you might want to consider bankruptcy for him if you're talking lots (over 10k). This worked for us, but we still borrowed some money...
- As long as you apply for future items in your name you should be fine on a credit application. The only problem will be that in that case EVERYTHING will be in your n...
Credit Card Debt
Asked by D.G. from Lincoln
on March 3, 2011
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A friend at work and I were talking about that ad we hear all the time about if you are $10,000 in debt and they'll get you out of it. Does anyone know anymore about ...
Answers
- If you are not delinquint (sp?) on your current debt I would suggest working on the Dave Ramsey method of snowball to pay off your debt. If you ARE delinquint contact ...
- If you are settling, that could hurt your credit. I have used www.careonecredit.com They are a credit counseling service and it will NOT hurt your hurt as some peop...
- Like the other moms said, it will ruin your credit. They will advise you to stop paying your credit cards for 6 months, and only then will the credit card companies ne...
Credit Card Debt, Are We the Only Ones?
Asked by J.M. from Boston
on April 8, 2011
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This is so embarassing but my husband and I have HUGE credit card debt. We have transferred things to lower interest over last few years and try to pay above the minim...
Answers
- Yes - but we are working through it. Dave Ramsey has changed our life.
- I used to feel the same way. I stay home too and my husband makes a great income but we lived paycheck to paycheck. I started an internet franchise part time. I now...
- We are FINALLY "in the black" (hallelujah!!! hallelujah!!!)... meaning that for the first time in nearly 10 years, we have savings (money left OVER 2 weeks after being...
Seeking "Sound" Advice on How to Recoup from Major Credit Mistakes
Asked by S.D. from Houston
on January 26, 2009
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Long story short..Former SAHM recently returned to workforce, but not before my husband and I ran into some really hard financial set backs. Our credit has been great...
Debt and Deficit
Asked by J.W. from St. Louis
on August 5, 2011
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Nope doesn't have to do with the government.
Cheryl posted about financial responsibility. A few people commented that they use credit cards but don't carry a bala...
Answers
- I wrote a response to you on my cell phone, and lost the whole thing. Rather than go through what I said again, since most of what I said is already here, I just want...
- Well since you ask, the payday loan people are in the bottom of the bucket below the leeches and such. They get away with way too much and even though regulations hav...
- I think what they were really trying to say, is active credit is a good tool. Purchasing and paying it off, is not debt, but active credit...in my opinion. Actual deb...
Need Financial Help BAD!
Asked by D.L. from Dallas
on October 11, 2007
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my husband i are having SERIOUS financial issues. we don't argue about them b/c we do everything we can to keep it to a minimum. well, about a month and a half ago h...
Answers
- D., I read the advice you've already gotten. You should definitely talk to the bank ~ most of the time they will try and work with you or at least recredit you some ...
- Well, I would start by calling the companies whose bills you can't pay and see if you can work out a deferred payment or payment arrangements. Just be honest with the...
- D., I can empathize on what you are going throught right now. I have been in a similar situation before. Im not sure about any financial service but there are some sh...
