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I Need An Easy Loan For $1000

This consumer would really benefit from having an emergency savings account, but we will come back to that later. He needs $1000 to pay for repairs for his car and does not have the ready cash to pay for the repairs. He also does not have a credit card so that is not an option. The good news is that he also does not owe any credit card debt or any other debt for that matter. This is good news for him since it helps his credit rating to some degree.

He borrowed money to originally purchase the car and paid it off on time with no late payments. This all actually points in the direction of a good credit rating. It would be better if he actually did have a credit card which he used from time to time and paid the balance in full each month. This type of activity demonstrates that he is actually a good credit risk.

He works as a short order cook at a local restaurant and must be at work by 5am in the morning. His neighbors are unhappy with him due to the noise his car makes. He needs a new muffler.

All of this information points to a high likelihood that he will be approved for an easy $1000 loan and will be able to access the funds in the next day at the latest. He has asked that he be able to pay off the loan over several paychecks. Normally for a loan of this size, lenders would like to see the loan repaid using funds from your next pay check. Since he is paid weekly and also has access to tips that average $120 per week, lenders may extend repayment over a two week period. If he fails to meet this requirement for some reason, he could be subject to additional interest, penalty fees and processing expenses. In addition, a report would go to credit agencies which would lower his credit rating. He needs to be sure that he can repay this loan on time.

At the beginning of this loan application review we mentioned that this client would benefit from having an emergency savings account. Obviously he does not have any savings or he would not need to apply for a loan of this size. Financial advisors unanimously suggest that their clients have some savings set aside for emergencies. Car repairs, house repairs, health related expenses are just a few of the normal kinds of emergencies that occur from time to time. Having an emergency savings account provides peace of mind and saves money at the same time. A $1000 loan comes with a cost, interest and processing fees. He can avoid all of this by establishing an emergency savings account.

In the mean time, the lenders can process this loan application and hopefully he will be able to arrange for his car to be repaired in the next few days.


Home/Mortgage Loan Amount : $1000

Home Loan Application and Processing Speed (when do you need the funds):Today or tomorrow. I have an emergency. My car needs repairs and I need it to get to work.

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

Bank Name and Branch : Valley Republic Bank, California Ave

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

Zip : 93309

What is your employment field? : Short order cook at a local restaurant

Employment Position : Short order cook

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

Your credit rating to be – excellent, fair, or bad? : Not so great

How did you find us? : Looking online for easy loans of $1000

How are you paid? (direct deposit/paper check): combination of direct deposit and cash

Gross Amount Per Paycheck : $480 plus maybe $120 in cash per week from my share of the tips

Do you agree to have this information published online, without your PRIVATE information of course? : Sure why not, maybe I can help someone else who needs money

Extra information here please (some detail): Ok so I need $1000 today or tomorrow at the latest to pay for repairs to my car. I need to take it in to have the muffler replaced. The engine sounds like a tank at the moment and the neighbors are not impressed. I leave for work at 5 in the morning and  they all have let me know that I am not popular. No surprise there.

Anyway, I do not have the ready cash to pay for the repairs and I do not have a credit card. I need to have the cash before I take the car in. They will not release the car to me if I cannot pay for the repairs. This car is very important to me. Every guy needs to have his own car. I get that, but in my case it is the only way for me to get back and forth to work. I have heard of people who walk to work or bicycle to work. This is just not me and my bike would be stolen the first day I used it.

I work at a local restaurant in the city as a short order cook. I get paid in a combination of cash and a direct deposit to my bank account. I will need to repay the loan in several payments. I can pay some of it each week, but will need several weeks to repay the loan in total. If I need to I will take a couple of extra shifts to make some more money and repay the loan faster. But right now, I really need to know if I can be approved for this loan so that I can take the car into the mechanic tomorrow and have it repaired.

Can you help find a lender for me that will make an easy $1000 loan to someone with little or no credit rating. As I mentioned I do not have a credit card and I do not have any other debts. I pay my rent on time and my utilities on time. As far as I know I have never missed a payment. I originally purchased my car with a small loan and repaid it on time with no missed payments.

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6 Pre-apps

  1. Avi wrote:

    – how much you need to borrow – $5000.00 MIN.
    – what type of loan product you need – PERSONAL LOAN FOR DEBT/COLLECTIONS REPAYMENTS
    – what City and State you reside in – NORTH HOLLYWOOD, CA
    – what your credit score numbers are -550
    – how quickly you need the loan – 1 MONTH’S TIME OR LESS

  2. Rita wrote:

    Rita says:
    Hello my name is Rita. And I am in desperate need money so that me and my son will not be homeless. I lost my job. Not only was I receiving money from my job I was also receiving social security benefits. I have been still supporting myself most of my life but when I lost my job…. I also own the credit union and overdraft fee of $500 Upon that my electric bill was extremely high and they cut my electric bill for five days to find out that it was just a mistake… and they were not supposed to disconnect my electric at all. With that I lost my food. Then Came the domino effect. I am very so supporting and self-sufficient and right now I’m so down and I need help before I become totally homeless. My realtor company who Im renting from will not accept money from anybody requiring a W-9 information so therefore nobody’s able to help me. Thats with the agencies that I have been to because all of them need W9 information before they can help me pay my rent. Or have a job. In the meantime my rent is going higher and higher and today they demanded all of their money me and my son will be evicted if the money is not paid by 4 o’clock today. If not half of it the total sum of the bill is $1,194 after which the eviction notice fees will be added on. We’re just going to make it more. Then when we have to move where will we get the money to move and what will remove to without a huge deposit and first month’s rent. I don’t know what we’re going to do I have never been in this situation before but getting my Social Security cut, losing my job and all of them all piled up together was a huge huge blow not to mention $500 cut out of my social security check is quite a bit of money. The reason the money was cut out of the check is because my son’s father was disabled we are not together and SSD was paying me a month. A maintenance fee of $200 and my son was getting $200. He was incarcerated because he got addicted to prescription painkillers. I did not know that it was going to affect me and my son. We did not get any type of notice, but it any rate my son is going through some anxieties because he is realizing that we will have to move and that we do not have a place to move and that his father is no longer around right now.. I can’t see which way to go I have tried everything. And the more that I pray the more that I know that I have a miracle coming my way it’s just sometimes it gets hard waiting. To top it off the reason why I’m finding it hard to find another job it’s because this police officer trumped up a traffic ticket on me and in my field of work you can not have anything on your driving record or any other type of record my driving record was excellent up until then now I’m finding it hard to work in my field of biotechnology something that I love to do I’m finding it very hard to even find a job or anybody that will hire me. I can’t even find an attorney to defend me because I don’t have the money …the price of the attourney is $3,800 I just don’t have it and therefore I am going to be forced to have to be guilty of something that I did not even do.They are going to Railroad me and it’s going to affect me for the rest of my life. I am now 58 years old and will be 59 in July I am too old to be creating a record at this age. And this is not going to help me support my son who has autism. They took my car and they showed it in less than a month and did not even inform me that it was sold. How’s that for a justice system anyway it stop me from going to my classes because I was working full-time and going to class full-time and taking care of my children. This whole thing has caused my life to go into complete shambles now I’m almost home if you could help me in anyway I would greatly appreciate it today May 11th is when I need the money and it’s so now because of the simple fact they said 4 o’clock but if they get the money Monday I’m sure they’ll be glad to have it if they could get it all. At any rate something is always better than nothing and at this point I have nothing every time I borrow money it’s more money that I need back to pay the money that I borrowed. I seem to be caught up in the never-ending vicious circle. please help me get out. $1200 to $1500 would really save me from being homeless this month. But if I could get a little more to cover next month I would greatly appreciate it. It would give me time to find another job.
    Thank you so much, Rita

  3. Sarah wrote:

    I am in a financial bind. My daughter was killed 2 years ago by a semi head-on.They said she was on the wrong side of the road.We had to use everything we had and borrow from people,to pay for the funeral and headstone.My husband had a major seizure 3 months later and almost died.He lost his short term memory and will never get it back.I have been trying to get caught back up,but it is a losing game.We are $2000 behind on our mortgage, $1000 on our car,and the insurance lapsed on the car. My credit is horrible because of the past,but I really want to get all that taken care of and build our savings back up for retirement.I would love to get a loan for $5000 so I can pay everything up and then have plenty to pay the loan back.I could probably handle $400 or $500 a month. I am so desperate to get our lives back on track and be able to relax and finally grieve for the daughter that I lost.
    Thank you so much for your consideration.

  4. Sarah wrote:

    I am sorry,but I left a few important things out of my earlier comment.
    I could use a loan for $5000
    I live in Cantonment,Florida
    My credit score is 580
    I could really use the loan as soon as possible so they don’t repo my car or put our home in foreclosure
    Thank you again, Sarah

  5. Sarah wrote:

    I am in a really bad spot I have poor credit and I’m about to lose my home. Because of my past credit history no one will fund a loan for me. My credit score is low but it is because of medical bills. I have really bad epilepsy and have racked medical bills because I had no insurance. Anyway I am going to lose my home because my landlord wants to sell the house he has offered to sell it to me on a land contract if I can come up with 5000 dollars. I have the ability to repay the loan over time but I just don’t have the credit to back it up. I have some small credit cards and I have a 100% payment repay on those I have never been late on my rent or my car payment that is in my dad’s name. I need help please. I have 2 children living here and one is only 3 years old. please help us keep our home!!

  6. Carole wrote:

    I’ve lived in the same home in Mount Juliet, TN for over 20 years. I need a loan of approx. $35K to consolidate debt, do some home renovations so that I can sell my home. This loan will probably be paid off in a year or less. It will bring my income to debt/ratio down and allow me to qualify for a new home purchase after I sell my existing home. My credit score is approx. 590-600 but not because of any missed payments, but because of a high debt to income ratio. I have a good job and have never defaulted or been late on any loan payment.

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