I’m looking for an unsecured personal loan for ,000 – ,000. I’m interested in 5 – 10 year repayment term with an interest rate of no more than 12%, preferablly under 8%. I would like to obtain this loan within the next month.

I have a minimal amount of credit card debt of less than ,000. I have a pretty good Fico Score of about 650 (& rising) through Transunion (the last time I checked all 3 bureaus this was the lowest.).

I’m interested in any helpful suggestions. Please, let me know if there is somewhere you recently received an unsecure loan from and what the range of terms are. Or if you know somewhere specific online that is currently granting these types of loans.

I don’t want to lower my credit score with a bunch of unnecessary inquires on my credit report. However, I’m serious about this and want to receive a loan from a reputable company.

Thanks in Advance. Have a good day!

2 Responses to “I'm looking for a legitimate online lender for an unsecured personal loan. Please, share your success with me!”

1. The_Nest Says:
   January 5th, 2011 at 1:52 pm

   I haven’t seen ANY on Answers… We do get more than our share of "Advance Fee Loan Fraud" scammers working every question with "loan" in it though… (I’m SURE you’ll be getting your share here shortly!) Here are some tips for determining whether a loan is legitimate or a scam:
   1) They don’t use a free email address (yahoo, gmail, hotmail, live, etc)
   2) They have a secure website you can go to to fill out their application (this isn’t 100%… do a search with the company + fraud and also + scam… and check the BBB)
   3) They don’t require ANY fees upfront. Any fees will come out of proceeds of the loan (scammers want their fees via Western Union or Moneygram)
   4) They have a REAL address you can send mail to
   5) They have a REAL phone number, not a cel phone
   6) Look at their profile – usually created in the last 48 hours. Why? Because they get reported for this, yahoo deletes the accounts, so they just open a new one and send again until they are deleted once more!
   7) If you’re STILL not convinced, despite one or more of the above applying, check them out for yourself: http://www.nextwebsecurity.com/LocationTools.asp allows you to search for their IP… turn on your full headers and check each one of the IP’s in their email to you! Or check the data base at: http://www.419legal.org/ …if nothing shows up, post your email under: http://www.419legal.org/fradulent-email/ and a professional will check them out for you… (please include FULL headers minus your personal information)… Once you’ve checked them and are convinced they are scammers, please forward a copy of their "loan application" to abuse@yahoo.com, abuse@hotmail.com, etc

2. Tony S Says:
   January 5th, 2011 at 1:52 pm

   You can find Loan Shark online.
   Many Loan Sharks have there websites and best thing you can apply online ie. no paper work.
   Here are some best loan sharks in your area

   http://personal-loans-easy.blogspot.com/

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