where’s the best place to get a small loan if you have bad credit without getting raped with interest?

nonya. asked:

i just need about 2000 to 2500, and i think my credit’s gotten a little worse over the past few months, i’m not completely sure.. i’m looking to find a loan with these places online, mycredittree.com, etc.. without getting raped with interest. just looking for somewhere legit that will actually get me what i want at a decent rate or at least a decent amount to pay back per month that i can actually afford.. please help :) i joined a credit union.. i got a loan from them a couple months ago, but forgot to make my payment last month (they take it out of my savings acct. there and i don’t have money direct deposited to it so i have to physically go up there and deposit it before the loan payment is due every month) so my acct. was delinquent for a couple weeks.. of course as soon as i found out, i payed it.. but the lady there said i shouldn’t apply for another 6 months.. i don’t have 6 months. i don’t care if the rates are that bad, as long as it’s not going to be like a payday loan place where i have to pay it all in one shot.. if i only have to make 1 payment a month over a 36 month period or whatever i’ll be fine.. do these places online make you pay it all back in one installment, or are they like normal loans with just higher interest rates?

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2 thoughts on “where’s the best place to get a small loan if you have bad credit without getting raped with interest?”

  1. Commercial loans are going to charge higher interest to someone who is a high risk. They have to because they’re gambling on you paying them back. You’re basically renting money. Really, your only chance at getting a decent rate would be a friend or family.

    Are you a member of a credit union? Sometimes a credit union will take a chance on a person who is a member.

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