If I wish to get an unsecured personal loan with a cosigner do we both have to have a good credit score?
I аm considering getting a loan frοm a local lender (חοt a bank) fοr $2000 tο pay οff ѕοmе bills bυt mу credit score іѕ חοt tοο ɡοοԁ аt аƖƖ. If I take a cosigner wіtһ mе wһο һаѕ ехсеƖƖеחt credit саח I still ɡеt tһіѕ unsecured personal loan frοm tһе lending institution even іf mу credit score іѕ bаԁ?
4 Responses to “If I wish to get an unsecured personal loan with a cosigner do we both have to have a good credit score?”
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Be aware that many of those places charge 90% or more in interest and they aren’t even required to tell you the APR. You aren’t that much in the hole… try to cut back on spending anywhere you can and maybe find some part-time work to knock out this debt. I’d hate to see someone who is thoughtful enough as you (who is asking about this and planning ahead) get into one of these high rate loans.
I’m listing a site where you can find ways to cut back spending, but there is also a message board on his main page where you can post more details about this $2000 debt and get suggestions on how to pay it off!
My name is Rose and saw your question so i said i should give you a hint, i think you should try one of those micro finance organizations they will direct you on what you need to do, i have used one of them before and there interest rate is okay, its creek line micro finance company, here is thier direct email link: creeklmicrofinance@live.com
Beware of those lenders from africa!!!!!!!!
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A cosigner is usually for not enough credit history or not enough income to qualify for a loan. A cosigner with excellent credit may not be enough to overcome a bad credit score.
Talk to the lender and ask if a cosigner will help you get the loan.