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Thread: Getting a loan..

  1. #1
    Veteran Member jennahoff's Avatar
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    Default Getting a loan..

    Sorry, not quite sure where to post this but basically I am about 6,000 in credit card debt. My only other monthly expenses are my car insurance (car is finally paid off !!!) internet/cell/tv bill(combo).
    Im moving out(or would like) next month. Currently at home (ugh) but need to get back out my own again.
    I want to take out a loan and pay off my credit card debt which is on 3 different credit cards. Currently I try to switch the balances around to the lowest APR's when there are promotions.

    Basically I wanna pay off the cards with the loan and then use the rest of the loan for a new apt.
    My credit is excellent, im not sure if this helps or not but I have a score of 845.

    Ive never taken out a personal loan before so i just wondered if anyone knew exactly how they worked and how much your monthly payments are when you take out a loan. I figure if im taking out 6 to pay off my debt i could add on another 2,000 for apt costs. (first, last, security).

    It all seems overwhelming. I dont really know where to start. I see alot of things online for personal loans but I am wary on who to trust.
    I might go to my bank tmorrow, ive been with them about 15 years.

    Any info would be greatly appreciated.
    ~jenna~

  2. #2
    God/dess verfolgung's Avatar
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    Default Re: Getting a loan..

    You may find feedback in the Dolla Den which you'll find helpful.

    Do you happen to have a retirement account or life insurance policy where you can essentially loan yourself the money? This may be a better option than a personal loan if you have it available to you.


    Take care and best of luck!
    If you can't win. Make the fellow in front of you break the record.


  3. #3
    Veteran Member jennahoff's Avatar
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    Default Re: Getting a loan..

    thank you. i reposted in dollar den!
    ~jenna~

  4. #4
    Banned Melonie's Avatar
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    Default Re: Getting a loan..

    ... and a response is already waiting for you over in Dollar Den !

  5. #5
    Veteran Member jennahoff's Avatar
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    Default Re: Getting a loan..

    *woo hoo ** my sister offered to loan me the money.
    I never would of asked but Im glad she offered. She knows Im good for it.
    Ahh what a relief.. thanks for the info though melonie.
    ~jenna~

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