Where can I go for an Installment loan with bad Credit?

I need to get back on my feet financially, and I need to get an installment loan to do it. I have $4,500.00 in outstanding debt, plus four payday loans that I took out, (like a moron). If I could just get these things paid off, making payments on an installment loan wouldn't be a problem. But right now I live paycheck to paycheck, and I barely have enough to make my monthly bills, especially with those stupid payday loans hitting my account every week. I wish that I'd never taken them.

12 Answers

  • 1 decade ago

    The easiest way out of you dilemma is to file for bankruptcy. I hate to even recommend it, because it is the cheats way out. That is making other consumers pay for your mistakes. But, now that the Fed has changed the law, and it is much more difficult, I don't think it would be easy for you, unless you are really telling the truth.

    The best way out is to go to a Consumer Counseling Service, which you can find in the telephone book. Look for the one that does not charge you/. Those that do are usually rip-offs.

    A reputable one will work with you and the debt holders to work out a repayment plan that you can handle. One payment will take care of all debts, eventually.

    Then you can go about getting a trial loan from a credit union. Because of your poor record, this will be tough, so you will need a co-signer. If you are on the up-and-up, your parents are likely to be the only ones who would trust you to repay without sticking it to them too.

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    3 years ago

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  • Anonymous
    5 years ago

    I wonder if installment loans for bad credit can be paid off late. Does anyone know? Can I pay my loan off late and get away with it???

    • ?5 years agoReport

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  • 1 decade ago

    Bad credit is one of the worst problems to have... however there exists a solution.

    I will hereby talk from my personal experience.

    I did debt consolidation a couple of years ago, however If I had to do it again I would pay to some minor details,

    if someone wants to get out of debt today it is pretty easy with a debt consolidation plan, however it may get a bit tricky at times, I suggest you get as much information as possible online on this first,

    a good place to start in my humble opinion is astraight to the point ebook with question and answer I found :


    if it helps kindly remember me in your voting!.. cheers!

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  • Anonymous
    1 decade ago

    You can borrow from Prosper.com, even a person with the worst credit can get a loan from them, join my lenders group Phoenix Financial and ill help list your loan and fund part myself!


    • 6 years agoReport

      Propser is a peer to peer lending hub and only accepts applicants with very good credit (>600). Been there, done that.

  • 6 years ago

    Prosper...I do not think so, I have fair credit and requested 2500...would not approve because my credit rating did not meet their stringent criteria!

  • Anonymous
    3 years ago

    I don't really know how to answer this

  • Anonymous
    3 years ago

    it depends...

  • Anonymous
    1 decade ago

    www.prosper.com may help.

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