I am a college student in need of a car repair. I have no income and bad credit. Can I...

[demarishargett]

...get a loan?

[francois]

Good luck!

[xylina_69]

If you have no income, then you can't qualify for a loan on your own. Part of the loan process is showing that you can afford to pay back the loan, and if you can't prove any income.You will probably need to have a parents or family member co-sign a loan with you, which means if you don't pay, you will affect their credit negatively as well.As for the poor credit, generally, even with a strong co-signer, you would be looking at a higher interest rate, so it would cost you more in the long run.You may be able to get a student Visa, some of the Visa companies offer this at a higher rate, but there is still minimum payments, and they do look at your previous credit before they approve you.Here's what you need to start doing:1) Get your credit fixed, take a personal loan from your parents or something to pay off your bad debt so that you can start fresh.2) Start saving your pennies, once you have about $500, you may be able to get a secured Visa, which will help in emergencies, as well as start rebuilding your credit3) Sell the car. If you have no income, and a car that needs repairs, then you are never going to get ahead, only further behind4) Take better care of your credit, it's very important, it affects your car loans, Lines of credits, credit cards, and mortgage rates...the worse your score, the more you have to pay to borrow.

[geeksball]

No income. Thought about a job? How about a used bicycle for $20? Walk?No ignoramus - who would loan you money to fix a junky, broken-down car, when you have no money, no job, and little common sense? And you call yourself a kollege student.Hey. Sell your computer - you're only using it to waste time on the net anyway.

[B.B]

if u have no income then no u can't get a car.. How are u going to make the paymenets??

[sugarBear]

Probably only from your parents. Life is hard when you have bad credit. Your better off getting a job or asking someone to loan you money. I suggest you start working on fixing your credit. You may need help again in the future should any other obstacles arise, you should be more responsible now & prepare yourself.

[Jay M]

You can get one. But its going to cost you. Start thinking about fixing your credit, you can do it your self. The best free advice site out there is www.adviceontime.com thats how fixed mine.

[kbelle]

apply for financial aid or student loan at your college. when i got mine long time ago, i don't think they checked income or credit, i didn't have any back then at 18yo.

[sam]

Yes you can.However, some institutions may approve bad credit bank loan. Keep in mind that they may charge you a higher interest rate. If you have bad credit or poor credit history, you may have trouble convincing lenders to approve your loans. I have a list of some best compnies offering low interest Bad Credit loans with fast approval. Just email me with subject Bad Credit Loans at solidoffer11@yahoo.com you dont have to write anything. Best wishes

[Mark W]

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