Bad Credit Personal Loan in Bakersfield, California ($10,000)

by Carol Williams

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This is a short application from one of our visitors, and it was a common app really. There are so many Americans out there now trying to get approved for a personal loan, even though they have bad credit. It’s sadly a story that is getting more and more common every day, as the economy slow down of 2008 is lasting into 2011 and perhaps even longer.

The amount of personal debt in the United States (and in Bakersfield for this example) is pathetic to say the least. Really don’t know why people allow themselves to get into so much debt, and end up begging for a bad credit loan and sometimes excepting APR (annual percentage rate) of over 15%.

This particular loan request is classic because he needs to pay of all of his credit card debt(s) in one full swoop. This is usually a debt consolidation loan, but some folks can’t approved for a DCL even. They end up just trying to get a high-yield loan with a high APR to pay off their bad credit card debts and do a bundle on it. This is not much of a gain if your APR is anything close 18%, then you might as well not even bother with the process.

If you are in the same position, I recommend you try and get a low APR with a true debt consolidation loan with a debt consolidation organization (for profit, or non-profit – either way). But, back to our applicant again.

Below this short-form app is a calculation of a $10,000 loan if you are carrying an APR of 14%, and I want you to look at the actual amount of interest paid over the term, and the amount of each payment.

Bad Credit Personal Loan – The Short Application

Personal Loan Amount :: $10,000

Personal Loan Application and Processing Speed :: ASAP

What do you need this loan for? :: Pay of credit cards

What City/Town, State do you live in? :: Bakersfield, California

Your credit rating to be – excellent, fair, or bad? :: Very poor to horrible

How did you find us? :: Using Google

Bad Credit Personal Loan – Calculation

Total Amount to be paid: $12,157.93
Total amount of interest $2,157.93
Monthly Payments: $333.09

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{ 8 comments… read them below or add one }

roshonda rucker June 25, 2011 at 12:32 am

I need a personal loan ASAP contact me plz

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Georgina Smith July 30, 2011 at 7:45 am

I am desperate I am behind in my rent and need a loan badly my household makes about 2,500-3,000 per month and our rent is 1,200. We had gotten behind when my husband had gotten injured at work, we are trying to play “catch-up” but so far we have not been to get ahead, while still paying current and back. With a loan we could become up to date, maybe even ahead where we would be able to pay the loan back and live comfortably without worrying about eviction. Thank you.

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B September 7, 2011 at 1:11 pm

I need a loan to pay off outstanding debt. I am 23, I am about to lose my car, house, and have to drop out of school. I need a loan for 8,000-10,000 dollars with 18% interest and can pay 239.00 a month (will pay more but no more than 400.00) by next week. Please, help me find a loan center or if you may contact me by email.

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B September 7, 2011 at 1:25 pm

I need a loan to pay off outstanding debt. I am 23, I am about to lose my car, house, and have to drop out of school. I need a loan for 8,000-10,000 dollars with 18% interest and can pay 239.00 a month (will pay more but no more than 400.00) by next week. Please, help me find a loan center or if you may contact me by email ( Bmaquarjr@gmail.com )

Reply

jennifer paul October 11, 2011 at 5:17 am

I need to get a loan asap could you please email me Ty

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Mercy Hernandez December 23, 2011 at 5:58 am

Please help I am looking desperate for a 10.000 loan I work full time
my credit score is 645 please let me know if i qualify. Merry C.

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THERESA VELASQUEZ February 18, 2012 at 7:04 am

I CAME INTO HARD TIMES WHEN I GOT DIVORCED NOW I HAVE BAD CREDIT AND CANT GET A LOAN IM DESPERATE AND NEED A LOAN ,IM FULL TIME EMPLOYED AND CAN REPAY A LOAN BUT I JUST CANT GET ONE ANYWHERE DUE TO MY CREDIT PLEASE HELP ME .IM IN NEED OF 6000.00 .PLEASE HELP.

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Erika March 1, 2012 at 2:24 am

I have terreble credit and I need a personal loan of 7500 A.S.AP can someone help me please!!!!!

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