What is the easiest way to take out a personal loan?

Question by meggiecakess: What is the easiest way to take out a personal loan?
I’m 19 years old, I go to school, I’m a waitress at Applebees, I have my own credit card which I pay on time, and I would like to take out a personal loan so I can do some work on my car. It needs a bunch of new parts. I also need to get a few things for it. The loan wouldn’t be more then ,500 to ,000. What’s the easiest way to take out a loan where I will most likely get approved?

Best answer:

Answer by Katherine
The easiest way to get money would be sleeping with a guy/or getting a boyfriend with alot of money!

Know better? Leave your own answer in the comments!

18 comments

  1. Shweta S says:

    Three Easy Steps To Getting The Best Personal Loan:
    1) Know what you want
    The first thing you need to do is to decide which kind of personal loan will suit you and your circumstances best. For example, if you’re a homeowner then you can look at taking out either a secured loan or an unsecured one depending on your preference. If you don’t own your own home then you will probably be limited to an unsecured loan.
    2) Stick to what you can afford
    The easiest way to do this is to look at your monthly outgoings and to work out how much cash you have spare once you’ve met your existing financial obligations and spending for the month. This sum is basically what you can afford to pay as a loan repayment every month.

    3)Shop around for the best deal

    The easiest way to shop around nowadays is, as ever, via the Internet. Even if you just spend a few minutes on an online loan rate comparison site then you’ll see some big differences in the interest rates being charged. And, remember, the lower the interest rate you pay, the lower your monthly repayments will be. And, the less you pay back every month, the less you’ll pay back overall. This all adds up to savings for you.

    If you follow these three steps then you’ll be well on the way to finding exactly the right kind of loan to suit you best

    Know more on Personal Loan eligibility, compare personal loan deals at
    http://www.paisawaisa.com/loans/personal-loans.aspx .
    very informative site

  2. Mike G says:

    First, pull your credit report. You can get it free once a year at http://www.ftc.gov/freereports
    Try local credit unions and smaller banks which may give some deals. One note to consider is that every time you apply for loan, and even if you don’t take it you credit score goes down due to request. Sometime banks can quote you, when you walk in, the interest rate on the credit report that you can show them. (i.e. they don’t have to access your credit for now). If interest rate satisfies you, you can go ahead with loan. At that point bank do need to access you credit report since they have to pull it directly to issue the loan.
    Also, pre-calculate how much of monthly payments you can make and derive the length of payment by inputting the various possible interest rates. Additionally, be aware of the small print. Some banks may give you nice deal but may have disbursement fee etc. which adds up to the cost of the loan. The following link is also good resource to start looking for loan. Hope it helps.

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