>have credit score of 759
>run into financial trouble, need money to purchase a new car as mine is near death
>late to work/miss days frequently because of this car
>apply for personal loan from my bank
>minimum of $5,000
>only need $2,000 or so
>rejected
Why? I applied online, and the form was incredibly vague. If I go in to my bank and apply/explain my situation will my chances of success rise, or do I have to wait a certain period before applying again?
>>2574208
Anon they don't give out loans they think you will pay back under a year.
>>2574222
oh, why is that?
>>2574208
call bank
if not, get a different bank
credit unions are supposed to be comfy
>>2574208
try prosper anon no early payment fees and is deposited in 2 days i have a 740 and only got 12% interest on 2k (was approved for 7k) loan my min payments are 75$ a month but i pay $100 now i know what your thunking
>12%! what a shit interest rate
well its ny first loan so its decent if a bank wont do it suggest you try prosper
>>2574227
They don't make any money. Why do you think 10 years ago a house loan was 14 year max and now it's 30 years
>>2574326
ah yeah tru
>>2574208
Dude's right, credit score of 759 and making shit for money, you should be asking for 25k or so. They want to swallow the jizz that is your interest payment.
Why would you loan someone 1000$ only to make 1000$ off of the deal? They don't know you, they're not your fucking family, they don't give a shit about you at all. Why take a no-win deal?
>>2574208
get 25k loan, get what you need done, lose the rest on crypto
>>2574252
Seconded,
I needed a personal loan of a few k last year, banks rejected it, credit union gave me one. Not everyone has access to a credit union but if you do you should go there, they give better rates in my experience too.