Ringo

need your POV

Ringo

and without sucking dicks of course..

Juicy D. Links

how bad is your credit?

what is the auto you are looking to buy / lease?


Are you open to anal play to seal the deal?

Rob

It really depends on what the loan going to be used towards (tangible goods or to pay bills and/or business expenses). It also depends on your credit.

You can have shitty credit and still get a car loan with no money down. One of my employees just bought a 2013 car and his beacon was 495. Granted the car was $16k and his monthly car payment is just shy of $700 a month. It's doable if there's tangible goods involved because they're banking on you defaulting on the loan so they can repossess the goods, resell it, and still make money off you.

With personal or business loans...it's damn near impossible without seeing Vinny the Loan Shark. Unless it's a payday advance loan or a grant...you're fucked without a co-signer. If you have any type of collateral, you can use that towards your loan and as long as the collateral is worth more than the loan.

Short answer: if it's a car loan, you're fine. Just get ready to get ass-raped by the financing companies. If it's a personal/business loan and you have shitty credit...it's not even worth your time trying. And it will fuck your credit up even worse than it is now (if you have bad credit) because each inquiry is a negative mark on your report.

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Ringo

I have not bad credit

It is not for a car, it is for business

I am willing to work to seal the deal.

Rob

Here's what you do. Get a payday advance loan for say $500. Go to bank A, open a non-interest savings account and take out a guaranteed loan against that money. Then go to bank B and do the same thing. After you have around 10 banks lined up, use the money to start paying back the loans. After a month or two, they'll loan you the money without having to use your savings as a guarantee. Then take out a non-guaranteed loan from each bank for $1,000 and you'll have $50k in less than two months!

P.S. This is HIGHLY illegal and you'll probably go to jail trying it. But if you do it correctly and willing to pay back the loans without skipping town and defaulting, then it's a great way to rebuild your credit. Just don't go with 10 banks (that was a joke), do it with 2-3 and you're set.

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Rob

With this guy Fiscal Cliff around, no bank is going to lend you money unless you have tangible assets and your beacon is well over 700.

There's no money for start-ups in Obama's economy. Unless you're outside the U.S., then I can't help you.

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Rob

One last thing...work to build up your D&B credit. Then you can take out loans against your company without a personal guarantee. So if you walk away, they can't come after you personally.

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NatalieK

If you haven't bad credit & is not for a personal asset, but business. Then you should be able to get a loan from any bank or building society without needing guarantors

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Ringo

@Rob
no.. I am not looking for illegal ways
thanks for your answers btw