Eric's Credit Community

I am a single woman. I live with my sister in our home we grew up in. I don't own this home so it is difficult to get a personal loan without security.  I work full time and have worked since I was 18.  I am a responsible person and take my job as accountant seriously.  I have worked at with my present employer for 4 1/2 years and intend to stay with this company for at least 10 more years if and when I could retire at age 66.  I don't see myself retireing completely from working.  I like what I do and would like to expand on it and start my own business then.

I want to borrow $1,000.00 at this time to pay off my payday loans with high interest.  I can pay this $1,000 off faster with a 27% or lower interest rate than what I have at present. 

I would like to lower my rating of HR.  Eventually I would like to become a lender and help other borrowers like myself to get out of the financial circle we get ourselves into.  I have learned by my mistake of loaning too much from high interest rates that it doesn't work for the better.