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i was wondering if i could get a loan using my husband’s income?
i don’t have a job myself, and i have bad credit, but i wanted to get a loan to pay off some old bills.
i could probably pay them off now, just slowly cause all together it’s about $ 1000, but i need to build a bit of credit so my husband and i can get a better mortgage rate on our upcoming home purchase.

any tips are helpful. thanks.

10 Thoughts on can i get a loan without a job, with bad credit?
  1. Reply
    May 2, 2011 at 3:22 am

    You AND your husband may be able to get a loan.

  2. Reply
    May 2, 2011 at 3:54 am

    it is very hard but u can try by giving security

  3. Reply
    Thumbs Up Fanatic
    May 2, 2011 at 4:21 am

    You want to get a loan and go into more debt, so that you can pay off other debt? That doesn’t make much sense.

    Regardless, you have to have a job to get a loan, regardless of credit.
    Your husband could get a loan if he qualifies since he has a job, but in the end, it still takes money to pay off debt; not more loans.

  4. Reply
    May 2, 2011 at 4:53 am

    Making another loan will only deteriorate your credit even further for the purchase of a new home.

    Pay that bill off. That is the most important thing you can do right now.
    Plus a new loan will be considered new credit which reduces your credit rating.

  5. Reply
    Caveat Emptor
    May 2, 2011 at 5:44 am

    No, you (alone) cannot get a loan using your husband’s income. You and he may be able to get a JOINT loan – or HE can get a loan.

  6. Reply
    May 2, 2011 at 5:51 am

    That isn’t a lot of money banks don’t like micro loans because there is not a lot of profit in them. If you concentrate on taking care of it, you will have it cleaned up in no time. Paying it off yourself is the best way to build your credit anyway.

  7. Reply
    My Take on It
    May 2, 2011 at 6:28 am

    Absolutely NOT

    Your hubby would have to take the loan out in his name.

  8. Reply
    Solitude Dreams
    May 2, 2011 at 6:57 am

    Your husband may take a loan, the best solution would be personal refinance, if available, check with Bank Of America.

    1000 dollars is a negligible amount. The bank need to verify certain conditions, if they find it Ok, there wouldn’t be any problem. You are doing good, managing bad debts are an important part of personal finance don’t neglect it. The best option would be reduce your loan amount to 500-700 USD and contribute the rest yourself, as you are saying you can pay off.
    This way interest would be less and you can pay off this loan amount in lesser time frame. Then you may start saving accordingly.

  9. Reply
    Jim Jimelson
    May 2, 2011 at 7:21 am

    Loan Sharks???

  10. Reply
    Noelle Mason
    May 2, 2011 at 7:48 am

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