August 21st, 2010 | 
Author: Ive been trying to get a personal loan to establish credit history but i have no co signer, one of my parents has no work history in the past almost 11 years and the other’s credit is just done for. My bank wont give me a car loan without a co signer or credit history (completely understandable), and they told me i should consider taking out a personal loan to establish some credit. So i said great and applied for the perosnal loan of 300 dollars and still the loan officer denied me without a co signer. Now i dont make alot of money cause until recently i was still in school, and i work fast food, ( had the chance to get many other part time jobs but i been at the restaurant since it opened and it looks good on you to show you can keep a job for a long time) but on average i make between 600-700 a month, and aside from that i been using this bank for about as long as ive had the job, if i were to lose it they know i have far more than enough money to pay off a small signature loan. So long story short, the bank says you cant get a loan without a co signer unless you have credit history, and so i say great let me establish credit history, and then the bank says you cant, not without a co signer!
So does anyone know a bank where i can take out small signature loans to establish credit, WITHOUT a co signer, simply with proof of long range employment and financial discipline?
P.S. i dont deal with lone sharks and when i get a credit card in the mail i gladly toss it in the paper shredder.
thanks!
Posted in Personal Loans | 
Tags: 11 years, Car Loan, Credit History, Cross Cut, Enough Money, fast food, financial discipline, Loan Officer, lone sharks, Long Time, mail, money cause, no co signer, paper shredder, Parents, Part Time Jobs, Personal Credit, Personal Loan, Pet Stars, Proof, signature loan, Signature Loans, Time Employment, work history
If you have the money, get a secured loan. They don’t need a co-signer on those and they build credit as well.