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I Need a $10000 Loan Today

The request from this consumer who needs a $1000 loan today is actually pretty typical for many consumers. Unless they have unlimited income, most consumers  receive a certain amount of income each month and unless they match their spending to this income they end up with a situation similar to this consumer. Insufficient cash to meet the regular monthly payments plus credit card payments.

He took some time off, which means his income as an Uber driver was lower for the month. He also did not pay attention to his bills and the timing of his payments. He also spent a little more as well during the time off  and now he is faced with a large credit card payment in addition to his regular rent payment, car payment and utility payments.

Managing cash flow is incredibly important to ensure that you do not end up relying on carrying a credit card balance which generates very high interest charges as high as 20% or worse. When they all come due at the same time most consumers just cannot afford to meet the payments.

This Uber driver appears to have a fairly good credit history. He has not missed any payments in the past. He does not normally carry a high balance on his credit cards and he does not have a large number of credit cards. In addition he had a loan a year ago around the same time and repaid that loan early. All of this adds up to a fairly good credit rating which makes him a good candidate for a $10000 loan.

There are several questions that the lenders will have for this consumer. They will want a detailed list of his credit card debt, the balance on each and when the payments are due. Secondly they will also want to see a detailed list of his other payments such as rent, car and utility payments. Finally they will want to see examples of his weekly deposits into his bank account to confirm his income. This may seem a little more detailed than many consumers face, however this consumer is essentially an independent business men with a variable income. Following these steps is one way to confirm his cash flow and his his risk status in terms of a loan.

Once all of this information is provided, this consumer should have little problem being approved for a loan. He has already indicated that he will be working additional hours to increase his income level and repay his loan more quickly.

DEFAULT LOAN APPLICATION FOR BORROWER’S INFORMATION

Home/Mortgage Loan Amount : $10,000

Home Loan Application and Processing Speed (when do you need the funds): I need the loan approved right away. I have procrastinated way too long and now I have several payments due tomorrow. Can you help?

Do you currently have a mortgage? : No, I rent an apartment

Bank Name and Branch : Wells Fargo Bank, Tyler St

What City/Town, State and County do you live in? : Riverside California

Zip : 92503

What is your employment field? : Uber Driver

Employment Position : Uber Driver

When are you paid? (monthly/weekly/biweekly): Weekly

Your credit rating to be – excellent, fair, or bad? : Fair, I guess

How did you find us? : I have been looking online for companies that approve loans quickly.

How are you paid? (direct deposit/paper check): I get paid weekly, by direct deposit plus daily tips in cash. But most tips are paid electronically so they are also paid weekly directly into my account. It also varies a great deal depending on how much I work.

Gross Amount Per Paycheck : $600

Do you agree to have this information published online, without your PRIVATE information of course? : Sure no problem

Extra information here please (some detail): I am normally pretty good at keeping up with my regular payments on all of my bills and rent etc. For some reason I let it get out of hand this month and now I have credit card bills, my rent and also my payments on my car all due at the same time.

I spend a large amount on fuel and maintenance for my car each month since I provide taxi service as well as I signed up to be an Uber driver. I always pay my credit card bills on time by the due date, but this month I just did not set enough money aside to meet the payments. On top of that my rent is due at the same time and I really do not want to miss any payments, especially my rent.

As far as the rent goes, this is my number one priority. I have never missed a payment and I do not intend to miss this one. I have enough money for the rent and also my car payment, so will have to pay the minimum payment required on my credit card balances. If I cannot meet the credit card payments, then I will pay a really high interest rate on the balance and this will just add to my payment next month. I have three credit cards with a total balance on them of almost $10000. They all have interest charges of 19% on any unpaid balances.

I do alright as an Uber driver, usually making more money than I need. Last month was slow due to down time for my car since it needed repairs / regular maintenance.  I took a few days vacation as well with a short trip. It seems like the perfect storm in terms of lower income this month and higher fees this month.

If I can find a low interest loan, I will use the money to pay the credit card bills and then pay the loan off over the next few months. The nice thing about being a driver is that if you need to make some extra cash, you just work more hours and make what you need. There are a number of conferences also coming to the area so there will be lots of business over the next month or so.

Can you help with this request for a $10000 loan today?