How can I get a unsecured personal loan?

Question by daysha19: How can I get a unsecured personal loan?
I am 19 years old I have a job that pays minimum wage my monthly income is probably 450 and clearly this isnt gonna pay the bills i need a longterm personal loan maybe 3000 dollars my job doesnt have direct deposit and i dont have a bank account because I owe 200 dollars its a small fee but with all my other bills I cant pay it off is their any cash lenders with guaranteed approval I know thiers something out there I just really need help!

Best answer:

Answer by JC
There is no way to get an unsecured personal loan unless you credit is good and you have ample income to repay the loan. If you had those things, you wouldn’t need the loan. You in a way (please don’t take this the wrong way) sound like our government. You are asking for a way to deficit spend with no way to repay the loan. you need to find a way to either increase income or reduce expenses or both. there are no simple solutions here.

Update: If you contact this guy who is advertising loans, you will need to pay fees and it is likely a scam. Don’t fall for it.

Know better? Leave your own answer in the comments!

74 comments

  1. Christina says:

    Banks give out personal loans based on your credit score and income. When you are 19, you haven’t had much history with the credit bureau, so your credit score won’t be very high and ability to take out loans won’t be as great. So you may not be able to take out a very big personal loan…or may not be able to take one out at all.

    Don’t start your life out by getting into debt. Learn to plan where to spend your money so you don’t end up wondering where it went after you realize it’s all gone. If you find that your income will not cover your expenses, then go out and look for a job that pays a bit more than minimum wage.

    As for the $ 200 that you owe, can you afford to pay just $ 10 each week or even each month toward that? If you pay $ 10 a week, you will have that $ 200 paid off in only 20 weeks (5 months), which isn’t bad.

    I wish there was an easier way to get an easy $ 3,000, but unfortunately there is not. If there was, I’m sure there would be plenty of people who would jump at that opportunity.

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