8 Responses for "I have bad credit and want to buy a repo at my credit union, any suggestions on how to get a loan?"

1. Kien T July 21st, 2008 at 7:28 am 1

   Go online and check. With our bad economy their are alot of places that will offer loans regardless of History BUT u must have a job. Note that depending on certain places they will have a min/max loan amount that may not work for u

2. alexfont0801 July 21st, 2008 at 12:27 pm 2

   Many credit unions will give you a car loan as long as the car has a title for less than 4 yrs. The title is the only value that the bank has that can prevent you from selling the car to someone else. Remeber you only need to keep the title for a car for 10 yrs, after that you can register it without it. So, if you have bad credit, they rather see you in a 2005 to 2008 car and give you a six year loan. My friend had the same problem and that’s how she got her 2007 Hyundai.

3. labelle_2004 July 23rd, 2008 at 2:26 pm 3

   I found a place that gives loan up to 2500 to bad credit people. If you want you can send me your name and email so I can send you the link, my email is on my profile. Once you’re done with the application base on what time you fill it out you will get the money the next day. It helped me a little the interest rate is mind blowingly high but if you pay it off sooner then the time giving you’ll only pay the interest the money accrued for that period.

4. johnny B July 23rd, 2008 at 9:33 pm 4

   Hello Dear,

   I saw your ad on needing a loan.
   Why not try a private lending company where i had obtained mine so as to prevent you from being scammed.

   They will help you acquire your loan within 3 working days.

   Their interest rate of 3% is simply great.
   Here’s their contact address:(zenith.lenders@yahoo.co.uk)

   Johnny Brikes

5. Sheila Woood July 25th, 2008 at 4:01 am 5

   In regards to your loan request, I am Sheila Wood from United Kingdom (UK), when I was in search of a loan of €12, 000, because I had a very bad credit score, and I have to make some other expenses on my education.

   Then, I came across an advert from a loan company on the internet called, Donald Loan Firm Inc. And I apply for the loan amount above, after in agreement with the terms and conditions, the loan was granted to me within 24 banking hours, because I choose bank to bank transfer.

   Since you are looking for a loan, and you known that you will be honest to pay back the loan when it’s due period, I will advice you to contact them because their service is okay and flexible.

   You can contact them through this contact: E-mail:

   Tell them a client from UK Sheila Wood introduce you to them,

   Sheila Wood.

6. Joy M July 25th, 2008 at 4:34 pm 6

   if you are looking for a loan then my dear i should tell you that you are in the wrong place most of the people who advertise here are scams,but there are still a few legit loan lenders on the internet,a man my friend met on a singapore website help her with her loan problems his address is, try him and see if he will be able to help you,DO NOT FALL INTO THE HANDS OF SCAMMERS!!!

7. gbus B July 27th, 2008 at 6:14 am 7

   Loans are also available from credit cards and banks, but often at a high, fixed rate. Other loans include home equity loans and mortgage loans. These loans are usually more tax advantageous, as the interest on them can be tax deductible. The drawback is usually the costs associated with the closing of a second mortgage. Be sure to research all of your options and find the loan that best suits your personal situation.
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8. Shane July 27th, 2008 at 7:17 am 8

   So you have bad credit, right? Doesn’t matter. You still have a possibility of getting loans. You must take utmost care before taking out bad credit loans. Otherwise, the very loan may become a repayment burden and a new debt. Therefore, it is not wise to apply for the first such loan offer that comes your waypayment defaults or CCJs in your name, your score has slumped. You should try to pay off some easier debts. Your rating will go up a bit in few months. This will help in winning the loan providers’ confidence to some extent and the approval may be easier to come.