Hello! I am trying to find a lender out there that works with people with bad credit. Is there any credit unions or banks that anyone knows of? Just thought id ask. Also if anyone knows a good debt attorney as well that helps. Thanks!
I currently have a title loan with title max that I intend on paying off soon. Although I don’t intend on being late any, hypothetically if I were how much is the late fee? And how long until repossession after missed payment? The contract is not really specific on that information
Hello everyone, im from canada/alberta, due to some unexpected circumstances, my doctor prescribed other medicent for me and im short now for grocery, i need to borrow 100$, i will pay it back between august 26 and 31st, im in assured government disability income, i can back 120$.
Thank you.
Hi everyone, I'm hoping someone here has been through this or can point me in the right direction.
I'm trying to refinance my Leap Finance student loan through KeyBank, and I've been stuck for almost a month. My application got denied for "credit delinquencies," but my credit is actually clean — no missed payments, and my credit report shows no delinquencies. The only issue is a $5 late charge on my Leap Finance payoff statement.
Here's the frustrating part: the $5 is system-generated. My monthly payment is due on the 5th, and any payoff statement dated after that date automatically projects the upcoming payment as a late fee. So the payoff shows a $5 charge even though my account is completely current.
Now I'm getting completely contradictory answers from both sides:
- KeyBank says they've received payoff letters from Leap Finance without the late fee on them, so it should be possible.
- Leap Finance insists they have never issued a 30-day payoff letter without a late fee, and that they can't generate one.
So I genuinely don't know who's telling the truth, and I'm stuck in the middle going in circles.
A couple of questions for anyone who's dealt with this:
Has anyone successfully refinanced a Leap Finance loan through KeyBank? How did you get a clean payoff statement?
Are there other lenders/banks that will refinance a Leap Finance loan? (I've already tried a few and hit dead ends.)
At this point any suggestion is welcome. Thanks so much in advance.
Looking for a fast way to earn money tonight! Dm if you want to buy anything or are interested in helping!
I do have PayPal and Cashapp
Throwaway for obvious reasons. Looking for outside eyes before I do something dumb.
Where I’m at:
• FICO 8 in the low 800s across all three bureaus
• ~$233k mortgage, ~$50k across two unsecured personal loans, ~$1.4k revolving against $31k in limits (5% utilization)
• Just closed on acquiring an existing small business (LLC I’m sole principal of). The personal loans funded part of the acquisition, taken within the last several months.
• Plan is to refinance into an SBA Express loan around month 12 post-close
• Known gate on the SBA side: back tax filings for three prior years I need to catch up
The mortgage question: I’m on the note and it reports on my credit file, but I don’t make the payments — another party has made them consistently and I can document it from their bank statements. My understanding is that conventional mortgage underwriting will exclude a payment from DTI with 12 months of documented third-party payment history. What I can’t get a straight answer on is whether personal loan and business lenders honor the same treatment, and which ones.
With the mortgage counted, my DTI is ugly. Without it, it’s clean. That single question determines what I can borrow.
What I need: roughly $100k in working capital.
Options I’m weighing:
1. Business credit cards in the LLC’s name — approved off personal score, most issuers don’t report to personal file. Maybe $30-60k in staggered limits, 0% intro on a chunk.
2. HELOC — cheapest money, only route to $100k in one instrument, but secures business risk against the property.
3. Another unsecured personal loan — easiest approval, worst outcome for the month-12 SBA math.
4. MCA — assuming this is a trap, correct me if wrong.
Questions:
• Which non-mortgage lenders actually apply the 12-month third-party payment exclusion? Names appreciated.
• Does SBA underwriting treat it the same way, or does global cash flow analysis pull it back in regardless?
• Is keeping new debt off my personal file worth more than chasing the lowest rate, given the refi timeline?
Not looking for “just don’t borrow” — the capital need is real. Trying to structure it least destructively.
Urgently Seeking Private Lender – Up to £200k – Manchester
Looking for a genuine private lender who can provide fast funding of up to **£200,000** for personal/business purposes in Manchester.
Open to discussing **unsecured lending, loan , private business finance or an equity-based arrangement**.
For the arrangement, my parents may also be willing to enter into a formal agreement involving their property as security
I understand private lending carries higher rates/returns and am willing to discuss commercially reasonable terms.
**Serious private lenders/investors only. Fast completion is important.**
Please DM with your proposed terms and requirements.
Hey everyone, I’m pretty new to investing and could use some guidance. I apologize if I sound a bit clueless about stocks I'm just trying to learn and make the most of this opportunity.
A little about me: I’m a college student with limited funds, so I want to start slow and steady. I’ve heard that companies like Amazon and Meta are good options right now. I’m planning to invest $20 in each of them. My question is, how many shares should I buy with that amount? If I understand correctly, one full share is what the stock is worth at the moment, so I’d probably need fractional shares to invest $20. Basically, how do you figure out how many shares to buy based on the amount of money you want to invest? Thanks in advance!
Is there anywhere in UK that would approve a small loan with bad credit that gets rejected on majority of websites direct lenders?
Really struggling to find a solution
I recently came across a document from up start loans stating that my mom has a loan that start with the initials of my name. I am not sure if it is a coincidence or if she possible opened a loan in my name. I tried calling but no one answered. Does anyone know if their loan numbers include the initials of the person signing up for them?
Is a scam don’t use them for NOTHING! You’ll never stop paying on the loan, they add 5.67 everyday to your loan as interest so even if you’re paying on it it’ll never stop accruing interest. Each loan is different, and they stop counting your payments AS SOON as you get close to paying it off they triple your payoff amount! Erase the payments like you never made payments! And start your payments completely over! GREED! It’s railroading!