8 Thoughts on is there any way to get a loan when you have a very bad credit score.?
  1. Reply
    April 12, 2012 at 4:20 am

    Why can’t the NHS do the operation?

  2. Reply
    April 12, 2012 at 4:58 am

    Have you checked to see if the hospital have a payment plan. The hospitals in SC will let you pay so much down and make monthly payments. You need to look into that, but if this is a very serious surgery in the matter of life and death by law the hospital must perform the surgery. I know this may seem kinda harsh but I was one that didn’t pay hospital bills. I think people like you and I are the reason many people are not getting the medical attention we need now unless we have money up front. But now I do pay and I can’t blame the systems because these physicans have families to feed also and the hospitals can’t care for us without the proper equipment which cost money also. So do check with the hospital and see about a payment plan and if you are offered it. Do pay the hospital the remaining balance even if you can’t pay but $ 10 a monthy because you don’t ever know when you many need them again. Hope this will help you because I to have been there.

  3. Reply
    April 12, 2012 at 5:33 am

    First of all I sympathize with your situation. I am sure that you are bombarded with fear and frustration. There’s nothing that I can say or do that would help except to tell you to think logically and not irrationally. The fact that you have bad credit is already saying that you may not be able to afford the repayment terms of any loan or credit card you may qualify for and the interest rate if you do get one will be sky-high. Does your government offer any medical assistance programs? Do you have United Way Services in your area??? Will the hospital bill you for the surgery at no interest? Do you have things that you can sell to finance the surgery??? Will the doctor accept payments??? I realize the seriousness of your request but it’s important to think clearly. Consider a counseling service that may be able to help you deal with the stress and find suitable options that neither you nor I are thinking of right now. Get the whole family on board to help you help your Mom… physically, financially and emotionally!!!

  4. Reply
    April 12, 2012 at 6:11 am

    You could join a Credit Union but obviously they don’t just hand out money. You have to save with them for a while first
    I doubt very much you will get a loan of £4500 for your ‘mum’s operation’ because you have already proved you are a bad risk – why would any sensible company or person want to throw good money after bad? Would you lend someone that much money when you know there’s little chance you’ll get it back?
    The only people who will be interested in lending you that kind of dosh with your record are people who want to rip you off – big time – which of course it’s never worth.
    And Insomniac’s point is moot. Why can’t the NHS do it? (which is why I’m less than sympathetic.)

  5. Reply
    April 12, 2012 at 6:56 am

    You will see various ads for loans for people in your situation . You just have to be wary of the APR being applied. You dont want 18 o/o and upwards. Are you in employment? Do you own your own property ? Have you ever been bankrupt ? How many CCJs do you have (if any) Different lenders have different lending criteria just try them but remember the more applications you make the more likely you will be rejected.

  6. Reply
    Lazaro H
    April 12, 2012 at 7:02 am

    If you have a bad credit history still the loan market place is full of lenders who are ever willing to offer you a fresh loan. But you should be meeting some conditions laid down by the lenders. Loans for bad credit people are in fact easier to get then they were ever before, thanks mainly to cut-throat competition amongst the lenders. Lenders are giving loans to the bad credit people who have late payments, payment defaults, arrears, county court judgments or any credit problems. These loans are available for any purpose like home improvements, purchasing a new or used car of your choice, for wedding and holiday tour, debt consolidation or for paying child’s tuition fees.


    Every lender in approving loans surely likes to see if the bad credit borrower has sufficient capacity to repay the loan in timely manner. If the borrower earns well, has regular bank balance, has been an employee for some years and has a convincing loan repayment plan in place, then the lenders do not usually hesitate much. So ensure that you have adequate repaying capacity before applying for a loan. Also, you should first check your credit report for any errors. If your credit score is too low then you would be charged a very high rate of interest. So it is advisable to first pay off some easy debts to improved credit score and then you should apply for loan at better rates.


  7. Reply
    April 12, 2012 at 7:59 am

    Yes, there are many online websites that help you out. Try this website http://www.shakespearefinance.co.uk/any-purpose-loans.html

  8. Reply
    Amenda D
    April 12, 2012 at 8:11 am

    Too many way if you use your house for collateral then you can get a loan. But if you need money for your mum operation then its a bad choice.

    first contact NHS for your mum operation. After that no any relatives are ready to help you then take a bad credit personal loan and do which you require.

    Some of the company who can help you in this situation:

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