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Debt Consolidation Loans Bad Credit Loans Installment Loans Payday Loans No Collateral Loan

 

Debt Consolidation Loans Bad Credit Loans Installment Loans Payday Loans No Collateral Loan




Free Loan Calculators (36 Various Loan Product Calculators)

Tuesday, August 17, 2010

Here is a list of 36 different free loan calculators (with some pics of old adding machines :mrgreen: ) This collection was hand-picked by our staff as the handiest and most enlightening (if there is such a thing in personal finance) calculators online. Everybody uses a calculator before they even apply for a loan – right? Well they should – smart borrowers do!

We really like some of the calcs that take in to account ALL of your monthly and yearly expenses, so you can do a complete work up of your overall budget – not just what your actual installment payments are going to be biweekly, weekly, or monthly.

Funny thing happened here at Clf. Our staff was using different loan calcs all over the Internet on different sites (because we’re too lazy to code them into our own server) for the purposes of helping our readers better understand the math on lending options they may be considering. So here we are all using different calcs for different lending scenarios, and we never thought to list all of our favorites here on our own site. Dumb——-da-dumb-dumb……dumbbbbbbbbbb…… (Continued)


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150,000 – 200,000 Dollar Loan for Commercial Property in Hanford, Ca

Tuesday, August 17, 2010

Hanford Loan for Restaurant Start UpThis application for a loan to buy commercial property, came from a Dj and Restaurant employee in Hanford, California. He wants to buy an old building that used to be leased to an Applebees Restaurant, and is on the brink of being torn down. The building didn’t sell in a recent auction, and our budding (sort of new) entrepreneur wants to snap it up.

The business plan is to use the building for his own special restaurant. He plans to be open for business from the early hours to late at night. He wants to have live musicians and talent in the evenings, serve a dinner menu, breakfast menu (coffee and donuts), and lunch menu.

The applicant has stated that his credit rating is poor, which would certainly cause his interest rate to be higher than ideal. We won’t investigate this as a lending institution would, but we will do some math on the applied for mortgage. (Continued)


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My Payday Loan Poem

Monday, August 16, 2010

Don’t know why I wrote this poem, but I know what it’s like to have no money, no hope, and no clue.

Got a little bit dark in the end – didn’t really plan it that way – just sort of rhymed.

So if you have ever had any experience dealing with collection agencies after you have got behind on a Payday Loan you may fully “get it”.

At Clf we get allot of traffic from borrowers who have collection agency scumbags chasing them, harassing them, and being downright unsportsmanlike, by threatening to have them put in jail.

My Payday Loan Poem

I was down on my luck, my brains, and my stash
The weekend was coming and I needed some cash
So I applied for a loan down on Davenport Street
Borrowed some money for only one week

When the week was all over I didn’t have the doe
So I never made payment – I just let it roll
The Cash Advance lender was so cool and so kind
He smiled and he said that it was juuuusssttt fine!

When my next Paycheck came I couldn’t pay it off
So I made the mistake of going back to the trough
I borrowed more money just to give me some time
Then I was told how the interest had climbed

For one thousand dollars and 30 days in
Over 200 bucks is the vig I was payin’
So I had to get funded from another cash lender
To pay off the first their cold legal tender

Now the stress was profound like I was slipping away
And I was recalling way back to the good old bad days
When I needed some cash cause I couldn’t pay the rent
Or when I needed some swag to pay down bad debt

I asked for more hours and I worked overtime
The boss liked me more and I didn’t spend a dime
I went home real late and like a baby I slept
And when the sun came up shining I wasn’t in debt

So now my credit it damaged – more like dead in the ditch
And the phone keeps on ringin’ from some bugger’s bitch
She calls me a loser and all sorts of names
She figures I’ll pay her because I feel shamed

She says that they’re coming to put me away
Gonna do time with some dude called Big Ray
And the prospect of that makes me fill sick
I don’t like big dudes and I don’t like big _____

But before they can take me I have one last plan
I got a new marine flare and full Jerry Can
I’m going downtown back to Davenport Street
And that loan sharkin’ mother is gonna feel some heat


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Small Business Loan Application Checklist – Some Advice

Monday, August 16, 2010

Small Business Loan ApplicationIt’s the weekend here and I just want to stray away from the normal loan application form surveys and case studies, which takes up allot of time – believe me. We’ve been noticing that small business people who fill out application forms in order to get our advice and help tend to provide very little information, and that is OK, but we can’t really give any solid advice on a particular loan application unless it has some good information. Such as; (Continued)


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My Parents or the Pawn Shops (and My Reversal of Fortune)

Sunday, August 15, 2010

Borrowing from my parents or the pawn shopIf you have been struggling with bad debt problems your entire life, there is a reason for it. I know, because for the the first 35 years of my life, my credit was bad, and my bank balance was always upside down.

I never felt like I was really bad with money – I just knew that I never seemed to have enough of it, and fewer and fewer lending institutions would give me a loan.

I never checked my credit score, didn’t know what FICO meant, and I’d never heard of Equifax before. There was no such thing as Payday Loans back in the late seventies (well not that I had ever heard of), and at one time there was only two kinds of places I could get a loan – my parents or the pawn shops. (Continued)


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Getting Financial Stress Relief – Look Inside Not Out

Sunday, August 15, 2010

Free of Money WorriesSometimes external circumstances in our lives can bring on financial stress. Almost every person on the planet knows the feeling. For me – it’s my Achilles Heel in life.

I can handle most stresses in life, but financial stress is still the one that “takes me down”. I literally fall apart emotionally and sort of mentally freeze up.

The only thing that gets me out of the nasty funk I am in is an inner understanding that worrying about money is one of the most insane things I can do. Money is just a numerical tool than humans came up with to keep score, and decide who gets the so-called “good things in life”.

The problem with THAT is the other human belief of what the good things in life are. The good in life does not come from things. It’s never a thing that gets you back to the heavenly place – it’s just an idea. It’s always just and feeling that everything will be alright again. (Continued)


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Charitable Loans for the Poor – Cash Gifts

Saturday, August 14, 2010

Jay ValentineAre you looking for a charitable loan in the form of a cash gift from a kind soul who has more than enough money to spread around and ever spend on themselves.

While it does happen sometimes, and this week there was great story of a woman who is an upper level executive in Manhattan handing over her credit card to a homeless man because he wanted to buy a pack of cigarettes and some vitamin water.

Apparently she was feeling pretty good after a semi-happy hour she was in the middle of, and she was approached by the homeless man for some spare change. As it turned out, she didn’t have the cash, but she had her American Express Platinum card, with a limit that was likely higher than the amount of money this man has EVER had, and perhaps even more money than his family has ever had. [I know it's likely more than my family has ever had - don't come from wealth here ;-) ]

So what do you think happened?

He bought a few small (inexpensive items) and brought her card back right away. A great true story about generosity and  trust between strangers.

So what would you do? I asked myself if I would ever do the same as this woman did. Would I trust a stranger living on the street to use my credit card responsibility, and then promptly return it.

What would you do?

By the way, they got together again to meet.


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$10,000 – $15,000 Small Business Loan with Excellent Credit in Porterville

Saturday, August 14, 2010

Small Business Loan Porterville, CaThis application form (survey) was filled out by a woman in Porterville, Ca. She is a baker who is desperate for Small Business Loan, and she has a self-described excellent credit rating, which is somewhat confusing when you read the entire application for approval. It seems that her credit rating is damaged, but yet she states her FICO score is over 700. So we are going forward with loan application as it is and checking with the main Credit Bureaus for the so-called excellent score.

This small business owner has a very long history in her field, coming by it honestly, and being trained since she was a small child growing up in Porterville, working with her mother in their small bakery business. This is an old-school style business model for sure. (Continued)


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$40,000 – $50,000 Loan to Pay of Gambling Debt in Stockton

Friday, August 13, 2010

$50,000 Dollar Loan for Gambling DebtThis applicant who lives in Stockton, Ca, wants a personal loan to pay off her gambling debts. She has used up all their family credit, which is their Visa Card ($8000 dollar limit) and their Line Of Credit ($35,000). When you read this plea for a 45-50 thousand dollar loan, it can be heart wrenching to see how badly a gambling addiction can rip a household apart, and rip apart the fabric of a family.

NOTE: The beautiful inset image, which depicts the isolation of  someone suffering from gambling debt, was created by the graphic artist Ananda Spadt – see her blog here. (Continued)


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$9,000 – $10,000 Second Chance Debt Consolidation Loan in Redding

Friday, August 13, 2010

Consolidation of Credit Card and Medical BillsThis debt consolidation loan applicant has extremely poor credit. Her FICO score is between 550-570, and currently being investigated – hopefully upgraded to a FICO score at least over 600. As it is now any lender that approves a loan for our applicant will be demanding an APR upwards of 15%, and even as high as 20% depending on her recent credit history.

As you read this application for a consolidation loan to clean up high interest debt you will notice a few key items. The applicant mentions that she needs a second chance to get her personal finances under control. At CLF our editors have noticed that most consolidation borrowers have used up many second chances in the past and that is why they find themselves in dire straight, moving out of their house, begging for a very high interest loan that they hope they can pay off in time – the truth is that most consumers with really bad credit have been taking out second chance loans for years, and every time they consolidate their rising debts, they keep on spending, spending, and spending. (Continued)


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$5000 – $6000 Student Loan for Engineering Certification in Ft Lauderdale

Thursday, August 12, 2010

Student Loan For Engineering CertificationThis is an interesting student loan application for $5000-$6000 dollars in Ft Lauderdale, Florida. Usually at CLF we focus on student loan applicants in the State of California, but because this student loan is a little different, we thought we would post it anyway. This applicant is struggling to get approved for a student loan because his job qualifications have changed with the times. He has been working in the Professional Martitime industry as a Tugboat Enginneer for over 7 years and all of a sudden he is out of a job because all companies are required to have Tug Boat operators fully licensed – a U.S.C.G Engineering Certificate to be exact. (Continued)


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$5000 Personal Loan to Pay Court Fines in Fremont

Thursday, August 12, 2010

$5000 Loan to Avoid Criminal ChargesThis applicant needs a $5000 dollar loan to pay off some court fines in Fremont, California. He is trying his hardest to clean up his record (avoid a criminal record). He was caught driving without a valid drivers license on his way back from a friend’s house in San Bernardino, and to change his status of having criminal charges against him, and reducing his status to a simple traffic violation, he must pay five thousand dollars in the next couple of weeks.

At CLF we see similar loans being applied for on our sister web-sites all the time (almost daily), and it’s a sorry state of affairs when a stupid mistake on the road can cost you thousands of dollars and a pulled drivers license. (Continued)


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Emergency Loan To Stop Home Foreclosure in Salinas

Wednesday, August 11, 2010

Foreclosure Due to Medical ExpensesThis is an emergency loan application to Stop a Home Foreclosure that is not uncommon at all these days, but yet a heart wrenching situation to say the least. This emergency funding was ultimately applied for because of medical costs, and disability expenses. As you read this applicant’s request for funding, you can see how an entire family is fighting to keep their house, and it’s only because the refinance home equity financing was set at a floating rate, causing their interest to balloon.

If this family does not come up with $9,000 very soon, they will lose their house. We at CLF are trying to work as fast as possible to help them sort out this situation and keep their house and stop the foreclosure. A person with a colder heart would say that this family has not managed their personal finances well, set aside emergency funds for a rainy day, made a bad refinancing decision, and failed to secure their house.

I would not say that. (Continued)


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Restaurant Business Loan $50,000 – $60,000 in Temecula, Ca (Riverside)

Wednesday, August 11, 2010

Restaurant Start Up Capital FinancingSmall Restaurant Business Loan in Riverside California

This restaurant business loan is from Riverside, California. The applicant has experience in the restaurant industry and wants open this Steak and Lobster restaurant in Murrieta Hot Springs which the exact duplicate of another restaurant his Uncle owns and operates in the Riverside County area of California. He (like most prospective business owners and borrowers) is very excited about opening this restaurant, and seem to have done his homework – however, you will notice there is an issue with collateral and the lack of any major form of security. The borrower mentions that his wife will give him down payment of around $10,000 dollars, and if that is the case, it may help him get approved. (Continued)


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Would You Give This Guy a Loan? $50000 Small Business Loan

Tuesday, August 10, 2010

Lawn Care Business LoanThis loan application came in last week and it is worthy of being on our Would You Approve This Loan Series. This applicant is serious about his request for a loan, and his words speak for themselves. This older entrepreneur seems to be quite excited about getting approved for his small business loan. He sounds very sincere about his plans to start up his business.

We had MANY typos in this rather long application form. The spelling and grammar were extremely bad, so we just cleaned it all up so that is was readable. We tried not to paraphrase him to much, and of course left in the bits that were “special”. (Continued)


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Would You Approve This Loan – The Series

Tuesday, August 10, 2010

So the we get these loan requests emails all the time here at CLF, and lately we have been asking permission to post their loan request and even their picture. We promise to remove their personal information for them so as to protect their identity (and we of course do), but we post the more outrageous loan requests here for all California Loan Find visitors to see. This series should prove to be interesting and entertaining, as we are seeing all sorts of people who want loans for all sorts of wacky reasons. Some of the pictures are hilarious and some of the loan requests appear to be jokes, and you can usually tell when the loan request is phony for not. (Continued)


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Personal Loan in San Francisco

Monday, August 9, 2010

San Francisco Personal Loan ApprovalThis personal loan approval was granted by a bank in San Francisco, California for $100,000. Initially this borrower only wanted to borrow $10,000 for personal reason, but up applying for just over $100K USD. They have listed their reasoning for the loan as a business loan, but yet they chose to call this a personal loan. Don’t know why, but there you have it.

There are thousands of extremely creative businesses and business owners in San Francisco, and this individual is no exception, as you can tell by the list of qualifications below. Having a great many personal qualifications and accolades is one thing, but when it comes to qualifying for loan of over $50,000 without any collateral or security, it’s a whole different story. (Continued)


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Business Loan for $20,000 to $25,000 in San Bernardino, CA

Monday, August 9, 2010

San Bernardino Small Business CapitalThis is a business loan for around $25,000 dollars in San Bernardino, California. These business owners need capital to build on their successful business model in the beauty supply market. Their current credit rating is really good, so their loan was approved quickly. It’s allot different when a business is established, as far as getting approved goes, and it’s really different when the business owners are smart enough to protect their credit rating(s).

For most companies, a squeakly clean credit rating is critical for their survival, and this lending and borrowing example demonstrates these facts well. (Continued)


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Free Credit Reports – Making Sure Your Credit History is Accurate

Saturday, August 7, 2010

Clean Up Your Credit Score for FreeYou can check your credit report for free here – you should always check your credit score once a year to make sure you are on top of you history with the three main credit reporting agencies. We know this is a pain to go and do, but it only takes a few minutes. Too many borrowers, consumers – people don’t realize their credit score has gotten worse because of some unfair reporting by a lender or business.

Many times businesses or banks will report a “ding” against your credit rating, and it’s not at all accurate. You must get these false reports OFF your credit history if you want to maintain the highest possible FICO score. You would be very surprised to find out how many of these false reports have been placed on your history, and until you get on top of it, and get it sorted out your FICO will dip (or dive) down. (Continued)


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Student Loan for $10,000 – $15,000 in Lompoc CA

Friday, August 6, 2010

Student Loan $40,000 - $50,000This debtor needs to pay off some unsecured debts to the tune of 3K, and he wants the rest of the 15K to pay off Student Loan debt from a graduate degree he pursued.

Type of Loan – Student Loan

Why do you need a loan? – With the exception of student loan debt, I have approximately $3000 unsecured debts. I recently paid most of my debtors in full or paid in full via settlement.  However, my FICO score is very low because of the late payments and charge-off accounts.  My decision to pursue my graduate degree and past medical issues caused the credit issues. (Continued)


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