I used to believe loans for poor credit were a terrible idea that only stupid people with no financial sense fell for, until I actually had no other options. Credit problems can happen to anyone, and often through no fault of their own, and in retrospect I feel terrible guilty for the years I spent judging those who "couldn't manage their money". A car accident left me unable to work and I had to wait a long time for my disability check to pay out. In this time, I got into trouble paying utilities and regular living expenses. Eventually, I began to get my checks and knew I'd be in receipt of a regular income but the damage was done and I had so many small payments to make each month that it was hard to keep track of them. A consolidation loan seemed like the way forward, but, I couldn't get approved from my regular lender as my credit score had plummeted.
In desperation I searched for loans for poor credit, and came across First Choice Loans . I read through the website and was surprised to see that they didn't stigmatize their customers, and would work with them to set repayments at an affordable level. I also learned that a loan with them would set me on the way to repairing my credit. Well, this was the opposite of what I had believed about loans for poor credit, I thought the lenders were loan sharks, seeking to make their customers dependent, before squeezing them for ever-increasing amounts of money.
First Choice Loans lent me the money I needed to consolidate my debts. I can't believe I was so scared of getting a loan for poor credit from them, my fears were totally baseless and I feel ashamed now for listening to media scaremongering. I made the repayments from my monthly check and I cannot tell you how much easier it was to just have the one payment, rather than a whole host of smaller ones. I had no trouble repaying and I am extremely grateful that First Choice Loans approved me, as it meant I could not only repair my credit but that I had the peace of mind of knowing I could use them again to meet any future budget-breaking expenses.
I went on to take several more loans since that first one, and I am no longer ashamed of having had to use loans for poor credit. They exist for a reason, and that reason is that credit problems can impact any one of us, and make us unable to get a regular loan. Loans are a fact of life, and used correctly they can only enhance your finances. It's good to see lenders wising up and practicing responsible lending to customers who may have no other option. Far from preying on vulnerable people, reputable poor credit loan companies actually seek to help them enjoy the same monetary freedoms and benefits as everyone else. And it today's terrible economy, that's a lot of people who would have no other option!
In desperation I searched for loans for poor credit, and came across First Choice Loans . I read through the website and was surprised to see that they didn't stigmatize their customers, and would work with them to set repayments at an affordable level. I also learned that a loan with them would set me on the way to repairing my credit. Well, this was the opposite of what I had believed about loans for poor credit, I thought the lenders were loan sharks, seeking to make their customers dependent, before squeezing them for ever-increasing amounts of money.
First Choice Loans lent me the money I needed to consolidate my debts. I can't believe I was so scared of getting a loan for poor credit from them, my fears were totally baseless and I feel ashamed now for listening to media scaremongering. I made the repayments from my monthly check and I cannot tell you how much easier it was to just have the one payment, rather than a whole host of smaller ones. I had no trouble repaying and I am extremely grateful that First Choice Loans approved me, as it meant I could not only repair my credit but that I had the peace of mind of knowing I could use them again to meet any future budget-breaking expenses.
I went on to take several more loans since that first one, and I am no longer ashamed of having had to use loans for poor credit. They exist for a reason, and that reason is that credit problems can impact any one of us, and make us unable to get a regular loan. Loans are a fact of life, and used correctly they can only enhance your finances. It's good to see lenders wising up and practicing responsible lending to customers who may have no other option. Far from preying on vulnerable people, reputable poor credit loan companies actually seek to help them enjoy the same monetary freedoms and benefits as everyone else. And it today's terrible economy, that's a lot of people who would have no other option!