What options do I have left?

[A Payton]

I need a $7,000 personal loan ASAP to catch up on bills that I allowed go go past due because of family issues

I've applied at a few banks... DENIED! I've applied at Prosper... DENIED!! I've applied at Lending Club... DENIED!!! I thought getting approved would be a no brainer since I have a score of 707, but according to them all I have a LIMITED CREDIT HISTORY!!!

Granted I only have a student loan on my report, I assumed that because I have been making on time payments for the past 2-yrs that it would be good a sign... WRONG!!!

I see no point in going for a payday loan since I need so much and at most they only give out $1000!

It was suggested to look into finding a loan shark because that would be my only option left. In the mind set I'm and because I need the loan right away I just might have to =(

Is that really my only option left? PLEASE HELP!!!

[Jon Holdman]

Given what you wrote in your first post, I think you're out of luck for a loan from any source you'd be likely to find here. $7000 is a lot for "Rent, electricity, etc.", so it seems like the problem has been building for a while. Have you tried talking with these folks you owe and working out some payment plan? Sorry, you're not going to get much sympathy here for unpaid rent. But electric companies and such will sometimes work with you.

Do you have anything you can sell?

Any relatives you can borrow from?

Can you move in with friends or relatives for a while?

Get a second job?

Cut off everything non-essential, like cable, internet, telephone, etc and put what income you have toward essential things like rent and electricity?

Tried contacting any social services agencies in your area?