flocking_north t1_j5tut3j wrote
What are you trying to get a loan for? Generally, you are going to get a bad deal if you have bad credit. Bad credit = high risk, so you are going to pay out the nose in interest wherever you go. You might get approved for a loan, but no lender is going to "help" you, they are going to ream you out.
YogiJ3ear OP t1_j5tvp9g wrote
Personal loan, bill mostly. I’m self employed and this winter has not gone well.
TimothyOilypants t1_j5tx44v wrote
To echo what u/flocking_north said; if your personal bank or local credit union isn't able to do anything like a secured consolidation loan for you, you're pretty much at the mercy of predatory loan companies. Only advice I can give is try and stay away from unsecured (revolving) lines of credit. These will have higher interest rates and are more likely to create more risk for you down the road.
You're better off looking at programs that can help subsidize your food, heating, etc. to free up more of your income to pay down debt.
Everyone needs help sometimes. Don't suffer for pride. You'll get through this.
indyaj t1_j5ufygx wrote
Do you own your vehicle? Take a personal loan off that.
leeroy20 t1_j5womk3 wrote
What type of bills?
Call 211. This is a general service number that may be able to help in finding assistance to pay these bills.
New_Sun6390 t1_j5w3jvj wrote
If your own business is not doing well, you might consider seeking a job at a local business or even Hannaford or Walmart. Virtually everyone is hiring right now. Adding to your debt load only makes a bad situation worse.
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