Your Questions About Payday Loans

Mary asks…
Looking for info/ reliable source of high risk lenders..no payday please?
I am searching for all of those alleged high risk lenders that are willing to lend money for those with credit scores in the low 500′s. I am not interested in payday advances. My wife took a $10,000 a year net pay cut this year and we are struggling to keep it together. We had a little girl last year and my wife was out for 7 months. We are still paying off medical bills.
We have consolidated all of our debt and credit cards and cut them up. I am so through with CC. We are too comfortable using them. We restructured our finances and eliminated the fluff. Now we are down to the house, car, food, electric. I need help to pay off 4 payday loan companies I had to turn to during my worst months this year just to keep the lights on. I will thank those in advance who will say…live simply and things will get better…I work 60+ hours a day and between the two of us we bring home more than 7.5 K monthly…the payday loans will not let us get back on track. My family is not able to help much.

The Expert answers:
PLEASE DONT LISTEN TO THE ONE ABOVE ME
THEY ARE A SCAM, HE WANT MONEY UP FRONT AND YOU WILL NOT GET A LOAN YOU WILL BE KISSING YOU MONEY GOODBYE

Thomas asks…
Where do I go for a loan without paying $$ up front?
I have bad credit and am trying to consolidate payday loans. I don’t have money for up front fees or Nigerian lenders who want to scam. Please advise.

The Expert answers:
Parents

William asks…
Is there anyone that would give me a loan?
I need a loan fast (not a payday loan) and I’ve had really bad luck with trying to get any loan or credit card. I’m a single mom and I’ve never really been able to get any credit, so whenever I’ve tried to get loans they say I don’t have enough credit, and to add to it, the little bit that I did have, is now bad.
I guess I’m looking for possibly a private lender or some sort of all purpose loan to pay off debt, to get a home, to get a car, and just help me financially.
If there is any program that you know of that doesn’t have some fee to sign up for some website, isn’t for a payday, or refinance loan, please be the answer to my question.
I tried prosper.com too and it sounded great until they denied me to even sign up because of my credit score.
I am open to any ideas.
If you’re a legitimate lender or even some guy off the street that wants to help any help would be wonderful. Thank you.

The Expert answers:
I think you need to stop looking for loans and start examining how to improve your overall financial health and stabilize yourself financially, whether that means going back to school to increase your job skills or getting a second job or moving into a cheaper living situation, whatever. You can’t borrow your way out of debt. At some point you will have to pay the piper.

Robert asks…
Need help with finding credit?
I was stupid to take out a payday loan. I owe £300 to be debited from my account end of this current month. I have tried with numerous companies to get an unsecured loan to pay this off and also a £250 debt with debt collectors. Im currently an MOD tenant with the RAF, I get paid enough to cover payments on my car finance,insurance, mobile contract etc. but I have been caught out this month as the debt collectors have made a final demand for the money which will mean I wont have much to live on for the rest of the month as I have no savings. Any ideas where I can get a loan between £500 and £750 for extremely bad credit. Iv recently been refused by most bad credit lenders. Thanks.

The Expert answers:
Your best bet woth poor credit is always going to be a community credit union. You need to save with them for a while first but then you can borrow at low interest rates.
Google “Credit Union” and your town

Betty asks…
our there any personal/ private money lenders that could guarantee me £500-£1000 with a fast pay out?
im in employment and earn £800 a month . im struggling for christmas and need help with a loan that could be paid out a.s.a.p i have bad credit so cnt get a payday loan anywhere

The Expert answers:
You can contact Provident they website is http://www.providentpersonalcredit.com/ they will lend to almost anyone but the interest rates are pretty high. Bad credit should’nt be an issue.
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