Overhaulin'

Where can I apply for a personal loan with 1 year old bankruptcy?

I filed Chp 7 bankruptcy last year, also discharged. I have 4 credit cards all have been paid on time. I have a car loan through Capital One ($18k) also never late. Where can I apply and receive a personal loan. No payday loans...tried that, done that! I have tried American General they told me I had to have 2 years of established credit after my bankruptcy, I only have 1 year! Citifinancial and Beneficial Denied. I also tried my local bank, Citibank...no Luck! Any serious suggestions?? I want to apply for at least $5k. Can anyone provide specific loan companies?? Serious answers only please. I'm looking for answers, not jokes or personal opinions! FOUND IT....I RECEIVED A $5K CASH LOAN ON THURSDAY, JUNE 22. WIRED DIRECTLY INTO MY ACCOUNT, WITH NO EARLY PREPAYMENT PENALTIES!!! ANYONE WITH A BANKRUPTCY INTERESTED IN RECEIVING A PERSONAL LOAN. EMAIL ME FOR DETAILS...THIS COMPANY WAS GREAT!!!

Public Comments

1. if you own a house, refinance. if not, you're creeping into predatory lending waters.
2. you can apply anywhere...getting approved is something entirely different
3. Try American General Finance. They will certainly work with you and try their hardest to get your approved.
4. You need to learn to live within your means. You have already run up 4 credit cards and are looking for more credit. Spend some time learning to manage your credit so you don't just re-dig your hole.
5. click on my pic to go to my profile bad credit link there they state they give loans to people with bad credit even bankruptcy see for yourself
6. looks like your only option is a loan shark and hope you don't get ate. there are small finance company's out there that will take you but the interest will eat you alive, the only difference in them and the sharks or these people don't break bones, they mess up your credit report.
7. you probably will have to have collateral to get a loan
8. Good for you for paying your credit cards and car loan on time. If you continue your good banking practices, in about two years you will be eligible for personal loans. Within one year of a bankruptcy, though, you simply will NOT be able to get a personal (unsecured) loan for $5,000 (as you are learining the hard way). The good news: If you can get a co-signer, then the loan will be backed by their good credit, and your credit record will not be an issue.
9. Try this website. My friend got a loan from there. Its like the ebay of loans. Prosper.com Check it out for real. I heard good things about them.
10. CONGRATS! GOOD FOR YOU!