question about bank loans..

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  • sharpx9
    Registered User
    • Sep 2004
    • 2085
    #1

    question about bank loans..

    If I wanted to get a loan of $5k from a bank, would they ask why? Are they very picky about what you take the loan for? I have a co-signer with PERFECT credit. What all will I have to do to get this loan?
    The loan is to pay off some debt I have..personal, mostly.
    Tags: None
    • Scott McD
      Too lazy to set a custom title
      • Nov 2002
      • 67798
      #2
      They will probably ask why, but you can make up any shit for that, and that will be you...


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        Comment

        • IRQ0
          Confirmed User
          • Dec 2004
          • 144
          #3
          Yes a bank normally wants to know basically what the purpose of the loan is for. The reason is that the loan may need to be secured or there may be better options available depending what it is for. A business start-up loan may be eligible for commercial rates and you may be able to get more money at a lower rate if the loan is secured.

          A third party lender will not ask as they do not care. You will pay more interest but they are much more flexible than a bank.

          Also, keep in mind that when you use a co-signer the loan is in their name, not yours. If you are trying to rebuild credit it is better to pay more interest and get the loan in your name from a third party lender than to use a co-signer.

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            • UniversalPass Pete
              Confirmed User
              • Dec 2004
              • 7368
              #4
              Get a line of credit, no questions asked!


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                • Top Jimmy
                  Confirmed User
                  • Dec 2004
                  • 2513
                  #5
                  Originally posted by UniversalPass Pete
                  Get a line of credit, no questions asked!

                  Yup. If you can this is the best option.

                  Don't reply. Let it die.

                    Comment

                    • ArikaAmes
                      Confirmed User
                      • Dec 2003
                      • 3081
                      #6
                      When I got mine from a credit union they didn't ask at all. If they do say it is for school or something like that

                        Comment

                        • xclusive
                          Too lazy to set a custom title
                          • Apr 2004
                          • 35218
                          #7
                          Arika is right CU's are much easier to get a loan from...

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                            Comment

                            • Fred Quimby
                              Confirmed User
                              • Jul 2004
                              • 5430
                              #8
                              I got to my wifes checking account when I need cash

                                Comment

                                • sharpx9
                                  Registered User
                                  • Sep 2004
                                  • 2085
                                  #9
                                  What kind of third party would I go to?
                                  If I said it was for school they'd probably just tell me to get a student loan, I would think..
                                  What should I tell them I need it for? If I say personal debts, they probably wouldn't give it to me. However, my cosigner does have perfect credit. Errr..I'm stressing here, I need this loan tomorrow or the next day and I don't want to get denied

                                    Comment

                                    • PornGeneral
                                      Confirmed User
                                      • Sep 2004
                                      • 564
                                      #10
                                      Originally posted by Fred Quimby
                                      I got to my wifes checking account when I need cash
                                      Works for me also!
                                      "The object of war is not to die for your country but to make the other bastard die for his." -Patton
                                      "Only the dead have seen the end of war." -Plato

                                        Comment

                                        • IRQ0
                                          Confirmed User
                                          • Dec 2004
                                          • 144
                                          #11
                                          Up here we have Transcanada credit, Citi financial, household financial etc. Don't forget online lenders. Many will process you and deposit within 24 hours. A simple goolge search will find many more than you need.

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                                            • Hinc
                                              Confirmed User
                                              • Oct 2004
                                              • 2577
                                              #12
                                              Actually, if you a co-signer with perfect credit, the bank shouldnt be asking too many questions - their funds are secure then.

                                              ...and btw, if you borrow 5k - for say a new server, how would they ever know, that what you had delivered was 10 paysites and an inflatable doll (unless of course you make sure the statement says PornoDirt.com)

                                              But. The co-signer should give you a good point of negotiation to get a good interest deal. If he´s perfect, it´ll be worth much more than a good story of how youre gonna spend it (unless you buy a house they can take claim in, thats of course their number 1)
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                                                • sharpx9
                                                  Registered User
                                                  • Sep 2004
                                                  • 2085
                                                  #13
                                                  thanks for the info everyone. greatly appriciated

                                                    Comment

                                                    • Dirty F
                                                      Too lazy to set a custom title
                                                      • Jul 2001
                                                      • 59204
                                                      #14
                                                      A bank loan? You owe half this board money...is that what you need it for?

                                                        Comment

                                                        • polish_aristocrat
                                                          Too lazy to set a custom title
                                                          • Jul 2002
                                                          • 40377
                                                          #15
                                                          Originally posted by Franck
                                                          A bank loan? You owe half this board money...is that what you need it for?
                                                          I don't use ICQ anymore.

                                                            Comment

                                                            • sickkittens
                                                              I am a meat popsicle.
                                                              • Jul 2002
                                                              • 25100
                                                              #16
                                                              Originally posted by Franck
                                                              A bank loan? You owe half this board money...is that what you need it for?

                                                              Haha. I was waiting for you to post that.

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                                                                • Funky Bastard
                                                                  So Fucking Banned
                                                                  • Nov 2004
                                                                  • 2544
                                                                  #17
                                                                  First of all your not paying off some debt all your doing is moveing it around you dont need a loan to do this you need your shit stright and get on a budget list your debt from least to greatest then start paying it off little by little and you will be debt free in no time. THINK
                                                                  Last edited by Funky Bastard; 04-29-2005, 08:36 AM.

                                                                    Comment

                                                                    • Dirty F
                                                                      Too lazy to set a custom title
                                                                      • Jul 2001
                                                                      • 59204
                                                                      #18
                                                                      Sharpx9, have you paid the all the people you owe money?

                                                                      Fucking scamming piece of shit.

                                                                      Ipod scams, ebay scams, free playstation scams.

                                                                      Lowlife idiot

                                                                        Comment

                                                                        • Dirty F
                                                                          Too lazy to set a custom title
                                                                          • Jul 2001
                                                                          • 59204
                                                                          #19
                                                                          bump bump

                                                                            Comment

                                                                            • blazin
                                                                              Confirmed User
                                                                              • Aug 2002
                                                                              • 2781
                                                                              #20
                                                                              Better hope your co-signee hasn't read GFY today.
                                                                              I don't endorse a god damn thing......

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