What are my chances of getting a personal loan?

I have about 4 credit cards that have too high interest rates. My credit rating has gone from very good to poor due to a credit card company that basically screwed me over. I am hoping to get a loan of about $15,000 in order to pay them all off. I make more than enough each month to pay the loan back, I am just concerned that with my now credit rating that I won't be able to. Does anyone have any experience with this sort of situation or does anyone know what my chances of getting a personal loan would be?

What are my chances of getting a personal loan?
With bad credit it would be hard to get a loan, but more importantly you would need collateral to get a loan of that size. Most banks will not willingly issue an unsecured loan, particularly if your credit is not that good.
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Reply:It's hard to imagine anyone giving you a personal loan of that amount.





I'd instead reccommend goign to a non-profit organization who will help you consolidate those credit cards and get them paid off.
Reply:I don't know if a personal loan would be what you would need. Maybe a debt consolidation type of loan would be better.


Have you tried calling your credit card companies and asked them to maybe set up a payment arrangement so they would lower the interest rates for like 6 months to help you pay down the debt. I had a Citicard and they did this with me and they charged zero interest while I paid the debt but i also wasn't able to use the card while this arrangement was happening.
Reply:Slim to none to get a loan of that much with poor credit rating. Especially these days.





If you make enough to pay the loan back then you should be able to pay more on your cards. Call the card companies and negotiate a lower interest rate.





Go to a local non-profit credit counselling place and see if they can help you.





Get a 2nd job. Sell your plasma to earn extra money. Cut out all unnecessary items in your life and put that money towards paying down your debt.
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