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Best bet for a personal loan?


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Hi all -- was wondering if anyone had a recommendation for the best place to secure a personal loan. I have about $12,000 scattered around many different cards that I'd like to pay off at once to help my FICOs and simplify the process for me. My TUs and EXs are in the low-to-mid 600s, and my EQ is trash. I can comfortably handle a 36-to-48-month repayment schedule on my income; am wondering if there are lenders who will take income verification into account as much as FICOs. My TU and EX baddies at this point are all student loan related from a long time ago (one judgment from 2003 on EX). Thanks!

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A few months ago, I hunted high and low for one that I qualified for, and somehow, I came up empty (I live in Northern New Jersey/New York City area). Any good online recommendations?

Got any relatives in PA?? There are a number of CUs in PA that you just need to "live, work or worship" in certain town or region or be a relative of such a person.

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