Where Can I Get an Unsecured Loan to Pay Down Debt? – Riss

“Dear Steve, Approx. $25K in credit card debt. Using 75% of available credit and making minimum payments. Tried the home equity route already and was denied. Have a credit score of about 706. I would like to obtain an unsecured loan to pay down debt, but using 75% of my available credit is probably going … Read more

I Have Great Credit But Where Can I Get an Unsecured Debt Consolidation Loan? – Tony

“Dear Steve, I have 3 credit cards, all maxed out : $18000 at 29.99% interest, one for $23000 at 15% interest, and the other is $6000 at 10% interest. I pay my credit card statements on time every month, I haven’t missed a payment but yet the credit union and personal bank decline my debt … Read more

Unsecured Debt Consolidation and Personal Loans Being Handed Out at Record Rates

For those with reasonably good to great credit the idea that the bank is the only place to obtain a debt consolidation loan are just incorrect. For quite some time now I’ve been going on and on about peer-to-peer lending networks like LendingClub.com. Lending Club connects people who want an unsecured debt consolidation loan with … Read more

The Best Day of the Week to Apply for a Debt Consolidation Loan

You know how sometimes you start wondering about odd stuff. Granted sometimes it’s things like, “How do they get the cream filling in a Twinkie?” Well recently I was curious what day of the week most people apply for a debt consolidation loan. I know, I’m odd that way. In the debt world there are … Read more

Debt Consolidation Lender Has Too Much Money to Lend. Needs Customers.

LendingClub.com just told me that they are backing up with too much money to lend to consumers and are in search of people that are looking for fixed rate, unsecured loans. LendingClub.com is a people-to-people lending network that typically charges lower interest rates than banks and makes the borrowing process automated, online and less scary. … Read more

Where Can I Go to Get an Unsecured Debt Consolidation Loan? – Tim

“Dear Steve, I have credit card debt that I want to consolidate. No one will give me a loan. I have allot of debt ($25,000 total with car) but I have no late payments. I am financially able to handle the consolidation payment. When the bank credit crunch happened, all my cards lowered my credit … Read more

Jasmina Wants a Debt Consolidation Loan After Paying For Four Funerals

Jasmina “Dear Steve, I have $46,000 in debt. Three are personal loans and four are credit cards (reason: in last two years I had four deaths in my family, funeral expenses). I don’t have any late payments and all my accounts are current. Is there anyone who offer consolidation loan for so high amount of … Read more

Isn’t Now the Time to Consider a Real Debt Consolidation Loan?

Interest rates on credit cards are climbing and climbing ever higher before new laws kick in to stop that practice. But in the meantime while those with big balances they can’t pay off just watch their cards get ratejacked, I seriously think this is now the time to strongly investigate a fixed rate debt consolidation … Read more

Three Year Fixed Rate Unsecured Loan to Pay Off Debt

It always seems that banks will lend you money when they want to but not when you need it. But a new approach from LendingClub.com might turn that approach on its head. LendingClub is a peer-to-peer lending network that is transparently managed by some very smart people. What they do is screen and manage loans … Read more

John Wants to Know “If I Consolidate My Debt On One Account Will It Hurt My Credit Score?”

“Dear Steve, I opened up too many credit card accounts in the past two years i recently joinend a credit union bank which offered me a chance to put all my credit cards under one account. I owe about 3,000. I also only make about 1,400 a month so at times I’m only able to … Read more