I would go talk to your bank if you have banked threw them for along time and you have good standing with them they might do it no credit is better than bad credit just make sure you pay attention to the interest rate!

Good luck!

Fingerhut approves no and bad credit for their credit card as well. We were approved for 180 credit limit first. Only stipulation was a $30 down payment. Totally worth it bc my husband's credit was crap. It definitely helped us build it up, and quickly too.

@lillyb, the struggles we go through to help us through life sometimes! 🤷‍♀️ Fingers are crossed for the best outcome, but we will see once we talk to someone and figure out what we 100% have to do. Thank you darling!

I would try to do it as a first time house loan (a mortgage) u may get lucky and they may do it. Other then that I doubt it. I went to the bank to get a $1000 loan for a car and they woidlmt do the car loan cuz the cR wasn't new enough to qualify so I had to do a personal loan. I had good credit but they woidlnt approve it with out a cosigner cuz I didn't have enough coming in versus going out for them to feel comfortable about me making the payment. Good luck dear.

@bbyzvcy18, @spookylyn,

Thank you both for your inputs! Been very helpful! ❤️

@for_the_love_of_boys I agree with @spookylyn . At one point i was trying to buy a new mobile home and tried to get a loan from a mortgage company... they were willing to accommodate me BUT i needed to have atleast 10% for down payment, which was like $10,000. I didnt have that so didnt proceed with the deal. In your case i think they'd be more then happy to work with you if you find the right company.

No credit is better then bad credit, and yes you will have to build your credit first.

I bank with Wells Fargo, and just a few years ago when i started to build my credit I had to opened a Secured Card with the bank first. Incase you aren't familiar with what that card is it's pretty much you having to put your own money into a new account and treating it as a credit card account using your own money. This is a no brainer but builds trust with the bank and shows them you're responsible. Keep it up for about a year with consistant payments and they will begin to boost your credit line and be willing to start lending you money.

That or a very good source that i used was Capitol One. This company approved me with a $300 credit card when i had no credit and built my credit up for me. With no credit i wont even bother with retailers (Walmart, Target, Kohls, etc). They won't approve you and will only harm your credit score by peeking into your score once you try to apply.

Right. That’s the aspect we’re looking at, yes.

@spookylyn, borrowed the down payment? No, that came from my SO who worked his ass off to get the rest of that money prior to needing the 15k.

@for_the_love_of_boys, no problem !❤️ hope whatever you need it for works out !!!

@briannalynn547, thank you 👏🏼❤️

You’re amazing

@for_the_love_of_boys, yes ! I hear the secured ones build up credit super quick .

@newlyironman, in the third comment, it explains.

@briannalynn547, that’s a really good idea! 💡😊

@momma_y, yes !!!

@briannalynn547, secured credit card lol

@for_the_love_of_boys, yep! That’s what it is a Kohl’s credit card ! You can also get like the credit cards where you put money on it first ? Like a minimum of 300$ and like keep paying it . I cant think of the name rn 😂 but it’s kinda like a debit card but you pretty much can’t screw yourself with it .

Can i ask why you need 15k?

@briannalynn547, damn. Smart thinking. That’s considered a “credit card”? Acceptable for making a good credit score ?

@goodleah, Thank you for that. Very good point. 😊

I’ve heard of people doing it with no credit but it’s rare . You gotta build credit first . Get a Kohl’s card . They don’t deny anyone . Just buy something small every month or an outfit and pay it off right away . That’s what I did and I have a 720 credit score 🤷🏻‍♀️ lol I hear that Victoria’s Secret is easy to get too

@newlyironman, awesome 😢 My luck is always so terrible. I used to be so bad with money that I didn’t want a credit card. But over the years I have gotten good about it, just never thought of getting a card till it hit me that I need one because of credit to basically do anything 😂

@for_the_love_of_boys, yes.

I think it would be highly unlikely to get approved for a loan that much with no credit history. If you can get a co-signer you might have a better chance.

With little or no credit, you're going to end up with an INSANE interest rate

@mrschanandlerbong95, I go through Lake Michigan Credit Union, would that be considered?

@incognit0, thank you. How long does that typically take? We need this place like ASAP. We only need 15k more to have it. I know it isn’t really “only” but 🤷‍♀️😂

That’s a lot for a first time loan. I’d try a credit union before a large bank.