How can I get a personal loan for 4 thousand dollars without collateral?

Question by Amy Dean: How can I get a personal loan for 4 thousand dollars without collateral?
My car and house arent paid for. What else could I use and what is the max personal loan amount without collateral at a bank with a co signer?

Best answer:

Answer by MaxVO2
If you credit rating is not very high, and your relatives won’t give you any money, try a lending network. I hear that borrowers who could not get unsecured loans from a bank, succeeded with one of the following:
PROSPER: http://www.prosper.com/
LendingClub: http://www.lendingclub.com/home.action

Know better? Leave your own answer in the comments!

19 comments

  1. Kaiya says:

    Bad credit personal loans normally carry a higher rate of interest. This is because of the higher risk potential in such loans. One may also be overcharged on this account. The borrowers are asked to pay a hefty charge and have to face some inflexible terms of payment. Nevertheless, there are lenders who charge reasonably lower rates of interest Taking a loan is not a trivial matter. It puts an important asset to stake. It also affects the financial condition of the borrower. This makes a proper search for the loan a priority. Gone are the days when searching the loan market would have raised hackles of people. Today searching has become much simpler, thanks to the power of information technology. You may get a personal loan here,

    http://best-loans.awardspace.com/personalloans.htm

    The selection of the most appropriate lender is not that easy a task. Though made simpler through information technology, ones mental faculties are the best resort in the selection process. Lenders generally promise many features along with the loan. Borrowers take this bait and fall in the trap. Failing to maintain an optimum balance between an immediate comfort and a future comfort also leads to this trap. Deciding the monthly repayments and the number of installments further strain your mental faculties. An expert advice from knowledgeable people will help in this decision. Being aware of ones financial condition, the borrower can decide the various details of the loan in a much better manner. Thus, the final decision is reserved with the borrower himself.

  2. S G says:

    Whatever you decide, deal only with established banks or lending networks. DO NOT send your personal information to any individual or an email address — otherwise you may end up getting your identity stolen.
    Based on your explanation, you are not a prime borrower. So if someone is too eager to shower you with loans, it’s probably a phishing scam.

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