Poor credit - need a loan

[lovelylady]

it do anyone know how I can get a small loan to start my journey I really need to be directed to a legitimate site that will help me. Most of the ones that claim to help so much DON"T and the others want to charge a fee for there service can some please help me!!!

[QNA]

You can try getting a secured credit card from your bank or credit union. You deposit money in a savings account, and this will "secure" the credit that they extend to you. In the event that you become delinquent on your payments, they will use the money in the account to pay off your debt to them. Word of advise: don't be delinquent! Remember, you are trying to rebuild your credit!Good luck.

[MMXMichael]

Well, your best bet is at your local credit union, not on the internet. They easiest way to work it out is to go in and get a "secured personal loan" you basically deposit money into an account, and they loan you the amount you deposited - using your deposit account as a security in case you default..Otherwise, check out www.orchardbank.com - they give creditcards to people with bad credit to help them re-build their score. There are prices you have to pay (high interest rates, high annual fees) but that will go away as your credit gets better and you can get better deals elsewhere.

[gtowngirl5483]

try orchard bank, they are a HSBC company.... they will most likely give you an unsecured card with an annual fee of about 39 dollars