Want opinion on whether I can get a personal loan or not?

My credit is kinda icky (with the exception of paying off a car) and I have had a bank account for one year (went into the negative twice but paid it off) and I have had $4 in it for the past month or so. I am needing to go to them and ask them for a personal loan. It is for relocating and we will keep the account with them even after moving. I have no job but the boyfriend I have lived with for two years is signing on with a company (reason for moving) and we will be able to pay back for sure. I also have an excellent (well to do) cosigner. What do I tell the bank and what are they gonna ask me? Does it look good for me? I am asking for a $1000 loan. Please help! Thanks.

Want opinion on whether I can get a personal loan or not?
I would say it is all dependent on your cosigner. If they have the means to easily get a $1,000 loan the bank will not care about your credit because they can go directly to the cosigner for any payment you may miss.





The question is why not just borrow the $1,000 from the cosigner directly. Better to give them interest than a bank.
Reply:I would first get my credit report at


https://www.annualcreditreport.com/cra/i...


Its FREE. You are allowed a free one once a year. You can get it online, now and print it all out. Personal loans are hard to get, so start off knowing what they will be looking at.
Reply:Just ask your well to do cosigner for the money. I'm sure if they are willing to sign and well off then they have that small amount of money to loan you.





What about getting a credit card with a 1k limit on it?
Reply:If you have problems, have your really good co-signer get the loan for you and you pay them back. In reality, your co-signer is going to be taking out the loan anyway, so to avoid any problems, see if he/she will do that for you. Make sure you offer to sign a legal, notarized note for your co-signer with specifics on how, when, and how much you pay each month. That way he/she has recourse if you for some reason can't pay it back.
Reply:If you are not working then I doubt you would be able to get a loan, even though you would be able to pay the money back. Banks want to see that you have a certain monthly income so that they know you are reliable enough to pay the loan back.