Also, would it be okay to go to the same bank with the checking account (Bank of America) and ask for a cash loan. I need about $200, but I don’t have much credit or a job at this point and the bank is going to close my account and report me to an account verification system in slightly less than a week if I don’t fully repay them, which would seriously damage my financial future. I am looking to use excess student loan money to repay the cash loan. Any ideas would greatly be appreciated!
VERY BAD IDEA to go to the same bank. Anywhere you try to obtain a loan they are going to check your credit and say no. I don’t know much about student education loans, but that doesn’t really sound good either. The best choice might be a good friend or even a relative, if you don’t don’t want any embarrassment or burnt bridges. You may want to pawn small volumes of.
It sounds bad however, if they look at your credit they won’t present you with any money.
You may want to try those cash till payday places, but usually those can be a bad idea too, when you will still owe the cash, plus interest.
Call the financial institution and speak with an individual service representative and explain your situation to them, some may understand and hold off closing your bank account or they could extend which you somewhat more time once you learn when you buy your student loan.
Aren’t getting a quick payday loan or even a quick loan to deal with this. You may be spending additional money than you want to in the first place. Talk to your bank and see should you can’t arrive at some sort of agreement.
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Banks won’t give you a loan for $200 (at least not in the US. Grameen bank does it in Bangladesh). Too much paperwork for too little profit. I had a boss who was literally a millionaire, and he couldn’t get a $2000 loan for Christmas (in 1993). He took an advance on a credit card.
Try Prosper.com
a loan shark wont turn you down my boy! but he will have your legs broken if you dont pay him in two weeks,at 100% interest! just go look for sunny or fingers or Sammy or..well you get the picture…
get a job!!!!!?
200.00 – do you have a family member or friend you can borrow from. You have got to get your finances together so this doesn’t happen again. You need to get yourself on a budget. Have you heard of Dave Ramsey – go to his web-site. He offers free budget forms
the best source is to ask sombody that will trust you
The problem is that one can’t borrow one’s way out of debt.
Title loan on your car. They are everywhere, check the Yellow Pages.
I do not think the bank would give you a loan. If you cant get a pay day loan because you dont work I would suggest having them close the account and pay it when you can. It might put a mark on your credit for a short time, but you dont work so what do you aspect?