2) Have someone you know as a
co-signer. If their credit is pretty good, they may qualify for
better interest rates if they are signing as the primary
borrower and you are the secondary.
3) Purchase items from a
nationwide rent-to-own company. You should be able to use them
as a recent credit reference.
4) Apply for higher interest rate
credit cards designed for those with a poor credit history. You
can search on-line to find many companies and usually get
approved on-line as well. First Premier Bank is one of the best,
followed by Orchard Bank. These companies have great customer
service and usually approve most people.
5) Try going back to a lender
that you have previously paid off. If your history with them was
good, they may reopen your account and overlook your current
credit. Not always, though its worth a try.
6) Borrow from a friend or family
member. Though most people are reluctant to lend to friends,
they may be persuaded if you secure the loan with something of
value that you own. They can hold onto the item until the loan
is paid. This is very similar to a pawn shop loan and we
strongly suggest you try that first anyway (See #1 above).
7) Repair your credit report.
Everyone gets a free report once a year. Get yours and look it
over for any errors. Write to the reporting bureau explaining
the errors. The good thing is that the law is actually on your
side with this one.
8) When going for a vehicle title
loan, use good judgment in determining how much to apply for
because you don't want to pay for money that is sitting in your
pocket
9) Use EzLoanLookup.com to find
no credit or bad credit loans on-line. We like this companies
approach because they are a legitimate service that makes the
process very quick and easy. With one loan application you will
have a list of local lenders as well as getting your application
in front of several companies that will be competing for your
business.
10) Spread out your liability.
Instead of borrowing the entire sum from one lender, use
multiple sources. Say you need $1,000 well you can get a portion
from a title loan, some from a pawn shop loan and the rest from
a payday loan. The individual companies will have significantly
less of a financial burden and you will acquire the funds you
need.
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