question about consolidation……?

Okay, I made some bad decisions and took out a couple payday loans, they are killing my paycheck each month. And, I have some high credit card bills because of my husbands illness. Before he got onto health insurance we were paying for his insulin (expensive) plus we have a 1 and 2 year old in daycare and diapers. So, I just wonder about debt conslidation. has anyone used it…? Does it really work….? Is is a good idea?

Auto loan for debt consolidation?

I have less than perfect credit, and I was wondering if I could apply for an auto loan in order to consolidate and pay off all my payday loan debt of about $5000? Ive tried getting personal loans but I can’t get approved anywhere, and I need a solution fast because all my payments are about to be due.

I need financial help/advice! PLEASE ?

okay so currently i am at a stand still financially. its kind of worrying me because i can barley make ends meet and i have no other financial support from anyone else. even financial advice for that matter. the only person i can turn to is my other half, however my other half if currently unemployed so that kind of makes matters a little worse, but its so hard to find him a job, we’ve like put it over 100 applications all over and no luck so far, but heres the thing. here is the question id like to ask and get SERIOUS advice and help with. I am 19 and I am in debt. not 10k debt, id say around 3k or so. out of everything, i believe what is hurting me most is the numerous payday loans i have out there that i have made to try and have extra cash in my pocket. what is hurting me every 2 weeks i get paid is renuing them, and i want to get out of them so badly so i could pay other things that i owe with my check and at least for once in these 5 hectic months have something to last me off of my check till the next check for like gas, food and such. i want to know what would be the best method in getting out of all these loans and start getting down to business. also if someone would happen to know where i would be able to make a debt consolidation loan or some kind of loan that would help someone like me out, esp with the fact that i am from louisiana and the economy sucks out here. i tried onemain financial however i couldnt b/c i needed a co signer and i dont have that. i want to try to find some kind of place that would let me borrow like 2k to get out of some of this debt.

my payday loans are as follows
a. 60.00—borrowed 50
b. 190.00—borrowed 150
c. 280.00—borrowed 225
d. 345.00—borrowed 290
e. 305.00—borrowed 250

i am not sure of the interest rate on these loans but every two weeks when i renew them, the “fee” i pay to get what i borrowed back is

a. 10.00
b. 40.00
c. 55.00
d. 55.00
e. 55.00

other debts are 411.00 overdraft in one bank accnt, abt 400 owed to a credit card that i havent been paying on because i couldnt afford it. i also had to let my insurance lapse because i couldnt afford to pay it and that is 447 i owe to them and i guess on top of that what i will have to pay also to the dmv and that is about it. i need help of advice if possible. the reason why i believe i got into all this mess is because a while back i was trying to help someone and a loan that i had weeks before that and didnt pay back went to my accnt and took all my check and from then on i basically had to make loans every so often to keep money in my pocket. also on average i make 80 hrs a week at my job and get paid 9.50. i hope this helps the people that are reading this and are interested in my story. thank you for your support.
im sorry// correction….i make 80 hrs every 2 weeks (40/per week)
@talk turkey : i made a correction; is it possible you could revise your answer since that particular info i provided wasnt correct
@ tony p : unfortunatlly my better half has a few mental disabilities that refrains him frm working in public however we have put in overtime to find something suitable for him so that he can help out because he reallllly wants too. im in a bad situation i guess that i regret ever getting myself into. i wish i want so naieve to money savings and everything. i feel like im going to be stuck forever. then on top of that i have school coming up in the spring and i have to juggle all of this!. my life is a living hell

Thank you all for your answers to my questions.?

So, what you guys are saying is that I can place the two payday loans that I have on my bill consolidation? Oh, with all my medical bills and my other bills I owe a total of around 5,000.00. And to the person who said that I should get a job and pay my bills. I have a job where I have been employed for serval years I just had got hurt and I was off of work for awhile and couldn’t pay all my bills that’s all. I had gotten the two payday loans before I had got hurt.

What credit card do I have a chance of getting with bad credit?

my credit score on experian is 524, I am looking for a credit card with low or no initial fees or yearly fees but I can have a high interest rate because I plan on paying it off each month to build up my credit. does anyone know a card that would be most likley to approve me with this criteria?

I was pre approved for first premier bank card but with all the fees it ended up being 250 – 300 debt before I would even spend a penny on the card. and thats before eve n knowing the balance.

im not looking to go into more debt, Ive been paying off debt I had from 8 years ago, for about a year now on a debt consolidation plan. for some reason it didn’t start showing i was paying current till january, even though I have been paying on the card since july. I contested the charges of being late paying and even called my debt consolidation organization to see what they can do about it. my credit score SHOULD NOT BE AS LOW AS IT IS!

the reason I want the credit card incase you are wondering, is I have to get a rental car and all rentals require a credit card. also we are short about $200 for our vacation because we didn’t budget having to get a rental. we are going to ride down with a friend to san antonio but now she has decided not to take her car. she doesn’t have good credit either. about as good as mine. so I cant have her get a rental.

this is why I cant get a prepaid card right now, I know they build on credit, I would like to get one, but you have to put money upfront and my money is going to be tight until half way through our vacation on the third when my hubbie gets paid.

then well have more than enough to pay off the the credit card

dont want to be condsidering pawning or payday loans because the interest is so high even when you pay on time unlike a credit card

and for any one who wants to be captain obvious and say shouldn’t of had bad credit to begin with and you wouldn’t be i this mess…you are preaching to the choir. i ought to have know better but have since learned my lesson and am diffinalty paying for it

for an entire year now I have been paying 400 a month toward old credit card. whats your smart butt remark compared to that?

wow, I said alot, hope this explains everything. only looking for credit card solutions at this point, if you dont have3 any, dont answer.

thanks
lol, im not a dude, I realized im on his account, but im a girl. rolf

Does anyone know of a legitimate place to get a payday advance loan?

I live in Florida. I have tried many websites but they just keep bouncing me to other sites that get me nowhere. I am hoping someone out there has actual experience with a lender and could point me in the right direction. Thank you.

I was wondering- when u get a payday loan?

When u apply for a payday loan can they approve u and not tell u then send u to another lender so then u owe even more cause ur really getting more than one loan if they can do that????

How do I get a personal loan with bad credit?

I am looking for a personal loan, but my credit is not good. I don’t want a payday loan but that is all I find on the internet when I type in personal loans for people with bad credit. Do you know any lender who will give loans to people with bad credit? I don’t really care to much about the interest rate. I just would like the loan to pay off some stuff and get some new things I need around my house. But I don’t own a home, so I can get a home loan.

What is guaranteed unsecured loan?

I’m very puzzled about the different terms when it comes to loans and this is one of them. I know that unsecured loans mean you can borrow money from lenders without collateral but you have to make sure your credit score is high. Am I right? If not, please explain. Then, what is guaranteed unsecured loan? Is payday loan also a type of unsecured loan?

whats a good payday loan website?

i need a payday loan right away can u plz help me out instead of going thru a bunch of lenders

Does anyone know of a reputable private individual or loan agent that offers unsecured personal loans?

I’ve maxed out on payday loans and now I’m up to fees up to my eyeballs. My credit is so bad I don’t qualify for the more popular peer to peer loan sites. I’m looking for someone who will does personal loans based on ability to pay and not credit score. It can be a small bank or it can be a private individual that offers loans. Lenders are welcome to contact me. I have a full time retail job and need a relatively small amount. Not looking to pay all my debts, just the most pressing ones.

Where can i get a perosonal loan bad credit no payday loans!?

NO PAYDAY LOANS, NO AMERICAN GENERAL, I RENT NO HOMEOWNERSHIP AND NO PERSONAL LENDERS FROM OUTSIDE THE CUNTRY WHO WANT MONEY UPFRONT(SCAMMERS) CAN ANYONE HELP? BANCRUPTCY 2 YEARS OLD PAID OFF ALL I COULD WITH MY OWN MONEY AND WOULD LIKE TO HAVE JUST ONE SOLID BILL TO PAY MONTHLY! I NEED $3,000.00 ASAP HARDWORKER BEEN O JOB 6 YEARS SINGLE MOTHER OF TWO! NEED HELP!

Is it possible to get multiple car title loans?

I know this isn’t the best way to go about this. I have been analyzing my situation for a long time now and if this isn’t too risky this is what I would like to do. I want to get a car title loan, but because of the spot I’m in, I was wondering if it is possible to get a second title loan as well from another lender? I know that a person can have multiple payday loan lenders so it is the same for title loans?

Any credit counseling services that deal with payday loans?

I’m planning on going through a consumer credit counseling agency to get help with my overburdening debt. However, two that I checked into will not, or cannot, work with payday lenders. Are there any out there that will?

internet payday loans?

can payday loan lenders continue to charge you interest on the loan once you have defaulted on the loan and it has gone into collections.

Are there any lenders in the indianapolis area willing to loan to people with poor credit?

I don’t want a payday loan and the money needed is less than 1500 and can be paid back within the next two months.

Is there a legit quick loan wedsite that I can use to get a payday loan or something?

Im low on cash and I really need some extra money. I just started working and im not getting paid until the end of next week. HELP PLEASE!!!!!!! Is there a website that will not take me to other websites. A lender not a Loan Searching website.

How can I get a personal loan, not a payday loan?

I am looking into getting a personal loan of about 5k.

Does anyone know of any lenders that will assist?

I need lenders that work with all types of situations and have experience working with persons with little or no collateral or damaged credit.

I just purchased a home so i do not have any equity yet.

Any help would be appreciated.

Are there subprime lenders other than payday companies?

I need to consolidate my bills because I took out payday loans for family members and they cannot pay them back right now and I already work two jobs so my credit will not suffer but it is now because I have to be the one to take care of them. I would like to get out of debt with these as soon as possible so I can start focusing on myself again and get back to where I was at before put I need some direction.

Help 911! How can I negotiate a payment plan with payday lenders?

I am struggling with payday loans and have come to my wits end. I am tired of renewing and paying interest. By the time I am done, I don’t see any of my paycheck. I would like to try to “pay down” the loan bit by bit instead of renewing all the time. Will they refuse to work with me.

Does anyone know of a true online lender or payday loan who will really deposit funds within 24 hours?

I have tried to apply for a payday loan online to no avail. It seems that all of the payday loan companies accept your information and then send a request for additional applications over and over. No one approves or denies. I am tired of all the applications over and over. Has anyone had success with a lender or payday loan company with fast approval online and deposit within 24 hours, with no credit check or faxing etc.? I do have direct deposit. Please help?

What do you think about these fast cash loans/payday loans..etc??

I have been researching these fast cash loans/payday loans, but I am still not sure if I want to trust them. They make it sound so easy to just get cash overnight! I need to get a loan for at least $1,500-$2,000 and I get paid every 2 weeks! You fill out the online app., which asks you, When is your next payday? Do you have direct deposit and things of that nature. You put your phone number so that a lender can call you and let you know if you will get the loan and discusses other things with you. sometimes you have to fax info that they ask for and with some you don’t!! What I need to know, is “Are these fast cash loans/payday loans/quick cash…etc” on the up and up??? Or is it just a scam??? I don’t wantto be screwed over, if you know what I mean!! Thanx!!

Does anybody know where can I get a small payday loan?

I’ve been searching online but all I get is those annoying sites that look for lenders. I need a direct lender that can approve me on the spot. doe anyone have any suggestions?

Do you know of a direct short term loan, or payday advance site that doesn’t have a high processing fee.?

That is fast and can work with a person with ok credit but has had the same a job for over 6 years with direct deposit which I can get online? All I find is ads that will get me to a lender. Which never happens.I don’t need a big loan.

Where can I get a payday loan that uses a debit card?

I have a direct deposit account with Net Spend. I want to get a pay day loan online. other than speedy cash, is there any other lenders?