gary, may i ask what you want the loan for?  I have a book that lists all
the different things you can get a grant from the govt. for.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Free our people! More than 250,000 people with disabilities
throughout the USA say they want to move out of nursing homes.
Please ask your Congressperson to vote FOR the MICASSA bill, this
will allow medicaid funds to pay for community supports
instead of isolating the person in a nursing home or institution.
HR 910 is the bill number
Senate version of MiCASSA (S 401).

Oakland Mayor's Commission on People with disabilities
~Tamar Mag Raine~
[log in to unmask]
IM: tamarmag48


> [Original Message]
> From: Gary Peterson <[log in to unmask]>
> To: <[log in to unmask]>
> Date: 3/10/2005 2:34:17 AM
> Subject: Need a won time only loan
>
> Hi all!
>
> So I need help from you banking and money wizards out there.
> Even if you're not a finance wizard, please feel free to weigh in
> on this one.
>
> Finances are by no means one of my strengths,  so I would ask
> that you please use as much plain English as possible when
> replying.  The issue I need help with is totally foreign to me,
> so if there are times when it sounds as if I have know clue as to
> what I'm talking about, I ask your indulgence.
>
> 1.
> I'm looking for a one time only loan of $3000 for purposes  of
> debt consolidation.  preferably within the next two weeks or so.
>
>    I've been a customer of Washington Mutual Bank for over 10
> years.  They are telling me in order to qualify for even the
> small amount I'm asking for (Their words not mine)  I need at
> least four lines of credit.  Currently I only have won.  My
> Washington Mutual credit card.  I was hoping because I've been
> with them for so long,  and have  my won and only credit card
> through them, and having been a member of the work force a little
> over five years now  would count in my favor.  but no such luck.
>
>    I have my own van.  It was bought for me by the state of
> California because I have a job.  I now own it outright.  I
> thought about putting it up for collateral, but that's something
> I reeeeally know nothing about, so I decided to forget that
> option altogether.  I also requested a raze on  my credit limit
> ($500) but no luck there either.  The person I spoke with said
> she couldn't tell me why I was denied, but she guessed it was
> because there was not enough credit in my credit report.  With
> only won exception I recall I always put at least twice the
> amount do on the card each month.
>
> 2.
> There are tons  of these E-loan sites on line.  Are there any
> good ones out there?  Should I stay away from all of them?
> Please give me the good, bad, and the ugly here.
>
> 3.
> Are there organizations out there that loan money specifically
> to disabled folks who are working?
>
> 4.
> If I were to get a loan, of $3000, do you think there would be a
> problem if I were to pay it back in amounts of $200 per month?
> Would that work with the current percentage rate or whatever they
> call it?  (Please speak in whole numbers not percentages.)
>
> 5.
> If anyone feels they could better assist me by knowing more
> specifics  about my total income, please email me off list.
>
>
> 6.
> We have a local credit union in our area.  Is there any
> difference between a local credit union versus a big corporate
> bank like Washington Mutual? If I understand correctly, a credit
> union does all its business and keeps all its money within the
> local community?  If so, would it be worth approaching  them with
> my situation?  If I can clearly show I've been part of the local
> community here for years  and don't have any plans to leave,
> might I have a better chance at the $3000?  Would I have to move
> all my banking to the credit union before they would even talk
> with me?
>
> 7.
> I'm a member of my local union at work.  Someone told me most
> unions have their own credit union.  Is this true and if so would
> this be an option I should look into?
>
> If anyone knows of other possibilities for me, please let me
> know.  Also after reading this if there's anyone who feels that
> there's no way a bank or anyone else will loan me the money,
> please tell me that too.  It will be the last thing I want to
> hear, but I'd rather know now that I'm out of luck rather then go
> off half cocked and do something I might really regret later.
>
> Thanks much in advance gang!!-Gary