Loans are a Luxury

Obtaining a loan is not a want issue these days, it's a luxury and could be classified as a privilege. From debt consolidation loans to loans for persons with bad credit, in today's struggling economy and with the corn cob up the banks butt. Where do you turn for a loan? What about all the businesses who need small business loans to operate there business? Unless you have good credit and a job, you will not be borrowing any money from any financial institutions for some time to come.