Trying to get a personal loan

[Karmajuro 1]

I’m trying to get a person loan from sofi. When I did apply and declined, one of the reasons of being declined is not having any loan history whatsoever. I’ve never had any loans (no student loans, no car loans) before but I want to take a small personal loan to 1) make a small purchase 2) to build loan history. I can’t take a personal loan out because I’ve never had a loan before. What’s my best way through this and does anyone have any other loan company they prefer for easier acceptance? I have 2 credit cards of 2 years old and paid off monthly with credit score of 660 and 1 collection. I’m considering of paying off the collection though and see if that will change my chance of acceptance.

[slizzzzy 1]

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[KabirSim 0]

It's great that you're considering paying off the collection; that could indeed help improve your credit score and increase your chances of loan approval.In the meantime, you might explore other lenders who are more open to borrowers with limited credit history. Credit unions and online lenders sometimes offer personal loans to individuals with lower credit scores or less loan history. Just be sure to compare terms and interest rates to find the best fit for your situation.For financial matters, I usually consult with a Mortgage Broker in Ipswich. While they primarily deal with mortgages, they can offer advice on various aspects of credit and financing.

Edited January 10 by KabirSim

[BenSilver13 0]

Building credit history can be a bit tricky, but don't worry; there are options. Paying off the collection is a good step to improve your chances. Also, consider checking out Florida Closing Cost Calculator for guidance. As for other loan companies, you should explore local credit unions or online lenders with more flexible criteria. Keep at it, and you'll find the right fit for your personal loan! Good luck! 🍀💪

Edited July 21, 2023 by BenSilver13

[Mazorn 0]

One significant advantage of mortgage renewal is the speed of transactions. Private lenders often have streamlined processes, enabling borrowers to secure financing more quickly than through traditional channels, making it an attractive option for time-sensitive real estate transactions.

[ki212 0]

Imprumut-online  Asistență Financiară Rapidă truly lives up to its promise of rapid financial assistance. I was amazed by how quickly I got approved for a loan and had the funds deposited into my account. Their fixed-rate loans ensured that I could plan my finances effectively without any surprises. Thank you for the excellent service!

[ZoyaShah 0]

When seeking a personal loan, Nesto Dubai suggests exploring options that align with your financial needs and goals. Start by researching reputable lenders, comparing interest rates, terms, and eligibility criteria. Gather necessary documentation, such as proof of income and identification, to streamline the application process. Prioritize responsible borrowing practices and ensure that the loan amount and repayment terms suit your budget. With careful planning and diligence, secure a personal loan that meets your requirements effectively.