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Reload this Page Um I need help in what steps to take in getting $$$ from a bank in the way of a loan.
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Old 08-23-03   #1
SOLACE
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Um I need help in what steps to take in getting $$$ from a bank in the way of a loan.

I nomaly just use cash for all my needs but well I like to build some credit also.

I need like a small loan-personal loan and I haven't any clue whatsoever on what I need to get one...No idea what paper work will need to be filled out, no idea where to go (Besides the notion of a bank)

I just need every tiny detail.

Ok some facts to go on.

I have no bank account unless you count under my bed an account.
I get paid cash.
I have no credit cards.
No previous bank accounts.
No bills in my name (Of any kind)
I have a track phone???? LOL
Need a small $2000.00 loan.
Paid off in 2 yrs. (At least, lots of time to pay it off and I'll look good with an early pay off)
Um, I'm of age.
Been working over 6 months.


Ok well thats all I can think of so any steps you forum foke can give will be a help...

Thanks for the time to aid me in on this people.
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Old 08-24-03   #2
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Advice: Talk to a bank, they can help you.
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Old 08-25-03   #3
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Aw man...I have to talk to a bank...is that anything like talking to walls cause they are never much help!

I mean do banks even talk? Shit...if they can talk maybe I can make them some kind of sideshow and make money like that...

"Talk to a bank"

Good advice...

Nah thats ok, thanks.
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Old 08-25-03   #4
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Okay, first off you are not in bad shape to get a loan, however with no credit and no record of incoming money $2,000 is NOT a small loan. You should aim at $500 and then you could always go higher later on. Okay, no what you will need is proff of income. Since you get paid cash, I advise typing up a professional looking letter from a "boss" stating how much you make per hour, how many hours you work on average, how long you have worked there, what you do, ect. Then you will need some sort of ID that says you are you, like a Drivers Licnese. And then you will need you social security number, (you don't need a copy, just the number itself). Then, go into your bank of choice and ask for a loan officer. Also, if you can wait to do this, you'd be better off opening a checking and savings account in your name at that bank first, to bulid your credit.
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Old 08-26-03   #5
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Quote:
Originally Posted by Magic Ninjet
Okay, first off you are not in bad shape to get a loan, however with no credit and no record of incoming money $2,000 is NOT a small loan. You should aim at $500 and then you could always go higher later on. Okay, no what you will need is proff of income. Since you get paid cash, I advise typing up a professional looking letter from a "boss" stating how much you make per hour, how many hours you work on average, how long you have worked there, what you do, ect. Then you will need some sort of ID that says you are you, like a Drivers Licnese. And then you will need you social security number, (you don't need a copy, just the number itself). Then, go into your bank of choice and ask for a loan officer. Also, if you can wait to do this, you'd be better off opening a checking and savings account in your name at that bank first, to bulid your credit.

I love you....

How about I get a loan and we take off hmm??? Some place nice?

HEHEhehe, thanks...really! You've helped.
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