Total Credit Card Debt: Average Household Credit Card Debt: Average Indebted Household Debt: June 2015: $890.9 billion: $7,327: $15,706: Change from May: 0.55%.
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How to Get a Personal Loan / Would I be approved for $15000 loan. Expert: Joe Montgomery - 5/30/2007. QUESTION: Hi, I'm 29 and I am wondering if I would be approved for a $15000 personal. loan to pay off my debts.
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I have a 664 credit score. I have a 12 credit cards. (most are store cards) that tota a little over $14,000.
I am currently paying. close to $900 total each month trying to pay these off. I want to totally get rid.
cut them all up and haven't used them since last year. Would a bank approve.
me for a loan? I would thnk that a bank would see that since I'm finanically. able to pay $900 a month on them, that I'd be able to pay their lower monthly. payment instead, right. I do not own a home, so I can't use that as collateral. Would I have to have a. Thanks for your help.
ANSWER: Hello Holly. There are a lot of factors that one would need to know to see if you would qualify for a loan of this type. Employment history, your total income, and other things.
You are correct with noting that if you are able to pay $900 a month, you would be able to handle a regular personal loan for the same amount, the issue is just that it's different for you to owe 10 companies $1,000 instead of 1 company being owed $10,000-from their point of view, as they have more risk. A bank MIGHT qualify you for a portion of that amount--again, I don't know all your details, but another option would be to apply to a larger credit company as see if they will let you pay off the other cards and roll it into the new one.
Some companies offer 0% interest for 6 months if you consolidate other card balances on your debt with them. Then you could pay more than the minimum amount and pay the debt off sooner. I would recommend talking to a bank, see what they could do, and for how much, and then possibly talking to 1 credit card company to consolidate the remainder of your debt on 1 card. I hope this helps, but the first step is to call a loan officer at the bank, and give them a breakdown of your situation, and see what they can do. I hope I answered your question.
and good luck. QUESTION: Thanks so much for your quick answer! It is extremely helpful.
I never. thought about getting a little from the bank and then rolling the rest on a. I have one last question, though.
Would I have a better chance of getting a. loan by going to a larger bank that I've been banking with since 2003. (Wachovia) or a smaller community bank that my family has banked with for.