I am interested in getting a personal loan and i have great credit. is it possible to get one without any collateral or any cosigners? is it bad to get a loan just a bit greater than i need just so i can pay it off and have a bit of lee-way?
by 
John Ass
ANSWERS: 6
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How much do you need? You can do that with a credit card, but not nice interest. Talk to you local banker. Maybe he can help.
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Check with your bank. Many offer what is called a signature loan.
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possible not probable
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YES, MANY OFFER A SIGNATURE LOAN OR PERSONAL PROPERTY LOANS. IF YOUR CREDIT IS GOOD, YOU HAVE NO DEFAULTS, AND YOU MEET THEIR BUDGET AND EMPLOYMENT REQUIREMENTS, THEN YOU WON'T NEED A CO-SIGNER. JUST ASK FOR WHAT YOU NEED, OR WANT, AND GO FOR IT. YOU WILL GET A BETTER RATE WITH A BANK OR CREDIT UNION, BUT A FINANCE COMPANY WILL BE FASTER. YOUR BEST BET IS TO GO WITH A CREDIT UNION- THEY ARE FAST AND LOWER RATES!
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All I have to say to you on that is: good luck. I can't even get anybody to talk to me about refinancing my mortgage and I have a job, excellent credit and a house to back it to boot
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Usually the personal loans have a higher interest rate. I suggest you join a Credit Union and talk to their financial counselor. You will get some great tips on the best way to get the money you need. Be sure to give them your complete financial picture. We have found our credit union is the best move we ever made.
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