Man... how hard is it to find a legit unsecured personal loan??

I've got to believe that it is virtually impossible to get an unsecured loan these days with all of the hoops that you have to jump through to get a loan that is secured. We had a six figure line of credit on our home which we rarely used and always paid before the due date. When we sold our home and moved into our condo (which is completely paid for), we could only get a home equity loan if it was strictly in my name because my husband had a $121 disputed medical bill on his credit report. Can you believe that? All of the lenders that pulled this economy into the toilet by giving lending money to people who had no ability to pay it back are being so overly cautious today that it is amazing that they lend any money at all. I am surprised that this economy hasn't come to a total standstill. Good luck

The first place you should go to is your own bank. They are best placed to know your financial circumstances, your reliability in paying off the loan and to offer you the best deal. If you are looking for a way to consolidate various and sundry bills and debts, you should look for a debt consolidator: someone who will negotiate with your debtors for the best deal based on a discussion with you about how much you can afford to pay each month. This is usually a better deal than a 'consolidation loan'. You still have to pay a fee, of course, but this is often rather cheaper than the interest on a loan. Whatever kind of loan or deal you are looking for, you are nearly always better off dealing with someone locally and personally, even if you find them first through the Internet. Even if you are turned down by online applications, it is well worth going to talk with a real person. Don't forget that they don't OWE you a loan. You are ASKING them to trust you to repay it. The better you can convince them that you have an honest and realistic attitude to repayment, the more likely you are to get a deal.

Hiii are you from USA? Check lending club website.You will get loan from that site if your case is genuine. I can understand your pain.Its frustrating when you are need and there is no one to lend you a money.

Hey I understand the struggles that you are having, I'm going through the same myself, so much more costs than money I actually have, and just keep going under and under into that black hole. I don't think you will find a good "unsecured loan" whatever that is, without going to your local mafia lol. If you were a loan shark I'm sure that you would want some kind of security or protection against your money. Best of luck! Lee.

Oh Lord do I remember this. Last year was my final, hopefully to ever do this as college is not free and with economy being the way it is no lender at least in US is so willing to entrust that one can have great credit and be willing and ready to lend. This past year with all the abuse with the lending area has caused all lenders now to dot their i's and cross their t's. To where even your first born will not be enough anymore as collateral. It is virtually impossible to get loans in the US anymore because of all the prior schemes that unfortunately even the most well off and or okay credit will have to go through a great deal of investigative work prior to getting approval and that is if they can get it. Good luck to you, I do know what type of nightmare this is.

I got an unsecured line of credit last year at 10% interest for 9,000 so I could rebuild my Cobra's engine. I've always had a good financial standing with my bank though, so I usually get almost anything I inquire about. Again, I think the bank is the best bet to go.