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How can I get out of that CashCall loan?

 

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Question:

I have a loan with Cashcall over $10,000 and I pay them 99.75% interest. How can I get out of this trap?

Answer:

A friend of mine had a cashcall loan at 59% and I was shocked when I found it out. I referred her to www.prosper.com and she got the payoff amount ($4300) at 15.85%

Depending on your credit you will get maybe 20% (higher rate because higher amount = more risk)

My friend created her listing Friday evening, the auction lasted 7 days, got the money deposited into her account the following Monday (10 days from start to end including 2 weekends)

When you go to prosper.com, I suggest to join a group called 'Payday Loan Terminators'

They can help you. I am not afiliated with them, only that I lend money to people on prosper. This is the link to them:

https://www.prosper.com/groups/group_home.aspx?group_short_name=PDLTerminators

You can also join another group. In general, joining a group increases your chances to get funded at a lower rate.

You may want to list initially at a higher rate e.g. 25% and hope that it gets bid down.

Another good source are their forums:

http://forums.prosper.com/



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Comments:

2008-04-20, 03:07:31
anonymous from United States  
rating
All payday loans are rip offs...stay away from them....the interest they charge is robbery.
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