pesonal loans???

702Neon · Post by **702Neon** » Sun Feb 11, 2007 10:09 am

i was wondering, what's the good place to get a personal loan.
i need like $5K and good low payments.

Thanks

Arthur
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MyNeonSaysHi · Post by **MyNeonSaysHi** » Sun Feb 11, 2007 1:07 pm

Well your best bet is to borrow from a relative that has money, so then you don't have to pay little or no interest. Second bet would be with a Credit Union. APR is gonna be pretty high depending on your credit score and how much you make a month/ spend on bills. Remember to pay it off within 3 years so interest doesn't hit you too bad.

snkmug · Post by **snkmug** » Sun Feb 11, 2007 1:25 pm

any bank wachovia, bb&t.....I get a 5k loan every year...the payments are like 200 for 2 years, or 100 for 4 years....interest is like 15-17% so pay it off early...

hansken_yo · Post by **hansken_yo** » Sun Feb 11, 2007 2:51 pm

-CgPeon- wrote:Well your best bet is to borrow from a relative that has money, so then you don't have to pay little or no interest. Second bet would be with a Credit Union. APR is gonna be pretty high depending on your credit score and how much you make a month/ spend on bills. Remember to pay it off within 3 years so interest doesn't hit you too bad.

Credit Unions are better than banks for personal loans. When i started with Boeing Employees CU. my personal loan had 11% interest (they switched it to line of credit - good thing in my opinnion) and now its 8.5%.

When I shopped at banks (like Bank o America) they wanted 18%, Wells fargo 24% with 2% APR. --That was a couple years ago though

marakka · Post by **marakka** » Sun Feb 11, 2007 3:46 pm

Holy shit... You guys either have the worlds WORST credit or are like 12 years old working at McDonalds. I pay 6.19% on my personal loan for 2g's.

LowNSlow · Post by **LowNSlow** » Sun Feb 11, 2007 4:03 pm

marakka wrote:Holy shit... You guys either have the worlds WORST credit or are like 12 years old working at McDonalds. I pay 6.19% on my personal loan for 2g's.

Military makes it easier for us too....

They know regardless.. they will get their money somehow.

hansken_yo · Post by **hansken_yo** » Mon Feb 12, 2007 1:38 am

I know my credit is good - short of my student loans that is my only credit with a much higher limit than 2k, and I'm a 27 year old college student. But that wasn't what was important; my example was to support for looking at credit unions over choice banks by showing what intrest rates the banks wanted over what the credit unions offered. Additionally it just happens that 702Neon happens to also be the same age as I when I inquired.

DannyBoy · Post by **DannyBoy** » Mon Feb 12, 2007 2:10 am

My credit is perfect and I took out a 2000 dollar loan for my Datsun, and interest is 17.6%.

Im gonna pay it off right when i get my income tax though

mztykal · Post by **mztykal** » Mon Feb 12, 2007 4:08 am

DannyBoy wrote:My credit is perfect and I took out a 2000 dollar loan for my Datsun, and interest is 17.6%.

Im gonna pay it off right when i get my income tax though

If your credit is perfect you wouldn't have a 17.6% apr.

I think you mean you have no imperfections or missed payments etc.

snkmug · Post by **snkmug** » Mon Feb 12, 2007 11:39 am

my credit is fine also...its just high interest on low amounts

J-Villa · Post by **J-Villa** » Mon Feb 12, 2007 11:54 am

even though i got approved for my car on my own....i still had my dad co sign it....i forget what my car loan is but i think it's like 3% or something like that, which i was told is low...

as for a person loan i think i got 14% through my credit union for my 1500 dollar loan for a year and a half...

marakka · Post by **marakka** » Mon Feb 12, 2007 3:12 pm

My personal loan isn't through anything military related. As far as the bank knows I work for the Dept of Defense as a contractor. I can understand if I went through one of the military lending institutions..... but still.... these numbers are credit card APRs.... not loan APRs.... sheesh.

silentneon01 · Post by **silentneon01** » Mon Feb 12, 2007 9:22 pm

had great credit when i bought my neon and before I met the bitch (ex) and let my dick do the thinking for me. (F'ed up my credit for a while)

I had 11% apr on the car the reason was I had never bought anything over 10,000 before so I was risk.

Now I can't get them to freaking stop. They just rasied one of my CCs to 20K the bastards.

DannyBoy · Post by **DannyBoy** » Mon Feb 12, 2007 9:40 pm

mztykal wrote:If your credit is perfect you wouldn't have a 17.6% apr.

I think you mean you have no imperfections or missed payments etc.

Oh, well in that case I have no imperfections or missed payments

DJ CptnCrnch · Post by **DJ CptnCrnch** » Tue Feb 13, 2007 11:36 am

i got a 5k personal loan about 4 months ago...my credit is A+ i think my rate is something like 6%, it was really low. I agree with most people on here...go with a credit union, u will get the best rate. i think the payment is like $160, but i always pay more.