Bad Credit Loans (Subprime Personal Loans)?

I'm finishing my last two classes this summer for my Bachelor's Degree currently financed with Federal Loans and Grants. I qualify for the maximum financial aid available from Federal and State funding because of my household size and income. I have a past bankruptcy (3 years ago discharged), but steady payment histories for the last 2 years, FICO score of 579. My husband has a FICO score of 624 and is willing to co-sign a loan for me. Without putting numerous inquiries on my credit report where can a person like myself get a loan (about $15-$20,000) for my graduate school based on my poor credit history? Thank you.

Try Prosper (online). It's a micro-lender. You're on the edge, but may still get what you need.

You're going to pay a high interest rate. Advice - if you do the Prosper loan thing - list at the highest interest rate (not the highest you want to pay - the max rate period) and then - don't end the listing early. Let it run the full term. You'd be surprised at where it ends up.

What happens is that first you get to 100% funded at your offered (very high) rate, then as time goes on - people see that it's funded, and start to bid it down.

The people who don't get funded list at the rate they want to pay, and no one bids. The ones who do get funded, list at 29% (or more), and it eventually gets bid down (usually in the last hours) to something reasonable for your condition.

It's a marketplace like eBay - but for loans. And the collective thoughts of many people (sometimes 500 or so) who each loan $50-$100 dollars sets the final rate.

They will do a credit check, verify your residence (better if you own a home), will verify employment, and it will be added to your credit report, but if you make your payments on time - it should improve your score.

There are plenty of places that offer loans for people with bad credit with no-hassle applications and easy requirements.

Some of these lenders even offer 1 minute approvals, and have both secured and unsecured loans, depending on your need and situation. Check the page listed below, it has information and bad credit lenders listed off and on.

http://www.axalda.info/bad-credit-loans....

If you have a poor credit score, it is difficult to get a loan from most banks and financial institutions. Credit is usually available only at a very high interest rate.Only few companies provide loan with poor credit score.Check out link for details.

http://l4y.info/