Loan I don't need?

So I took out a loan I didn%26#039;t need b/c the guy working was really really hot. It gave me a reason to stay at my bank longer and talk to him. Well I shouldn%26#039;t have done it b/c the interest rate is super high and I don%26#039;t need the loan anyway. I thought the guy would ask me out but he didn%26#039;t. I want to get rid of the loan so I don%26#039;t have to pay this super-high interest but there is no pre-payment allowed for a few years. What should I do? Should I tell the bank what I did? I don%26#039;t want to ruin things with this guy in case he asks me out later. The rate is really high.

Loan I don%26#039;t need?unsecured loan

Maybe you should ask him out and use the loan money to pay for the date lol

Loan I don%26#039;t need? loanHahahahahahahahaha... at the best answer and the response after that!!! Report It

|||lol, if this is true then you are the dumbest person i have ever heard of. :)|||Wow if you really did all that because you thought a guy was hot, then you deserve to be stuck repaying it.|||You have some growing up to do...|||Don%26#039;t return the loan. I have a better idea spend the $ on something you really need like a clue.|||well its your fault|||You were clearly intoxicated when you did this, so the contract can be voided. Wait until you sober up, and go back in to cancel it.|||Cant buy love sweety.|||ok ok can i start out by saying YOUR CRAZY!!!! no offense but just cuz a guy is cute doesn%26#039;t mean you should take out a huge loan to stay longer! (what were you thinking?!?!?!?!) they probably won%26#039;t cut you a break unless you could come up with a better reason, so maybe you need a good lie to tell. But, if you really like this guy why not ask him out? you seem to like him alot|||you should have a cool off period where you can change your mind in 28 days or something|||Wow! He is quite a salesman..... I%26#039;m impressed. He sold you something you didn%26#039;t need or even want strictly on his looks. That%26#039;s great!

Ask them about prepayment penalties... If there are none, pay it back in full, and you%26#039;re done with it.|||use the money you took out and pay it back fast (your still going to have a little intrest) or just pay it over time and use it to build your cradit. it was a poor decision to take out money just to flirt..the bank will not take it back without intrest becasue you make a flirt misteak. lol did you actually even hook up with the guy?|||well, now it%26#039;s going to show up on your credit report. if you can%26#039;t pay it off right away, just save the money so you can pay it off every month without going late on it. you can make this bad situation a little better by improving your credit score. i wouldn%26#039;t do it again though.|||I don%26#039;t think that you can get out of a loan for that reason (although you could give it a shot...the guy might even think it is funny and ask you out anyway).

If you can%26#039;t get out of it, then you should ask what the penalty is for pre-paying the loan. Then, ask what the interest is on the loan if you pay it back according to the terms of the loan. Either way you will be out the money of either the penalty or the interest, but at least you could find out which one would be less and then take that option.

Good luck...and next time get the date before you sign the loan committment!|||Are you serious? I wish I can help you but getting a loan from a bank is a serious thing and you did it b/c of a hot guy, LOL. I don%26#039;t think there is anything you can do, you%26#039;ll have to repay it, the damage has been done. Sorry, that%26#039;s why they say %26quot;think before you act.%26quot;|||That is by far the stupidest thing I%26#039;ve ever heard. Talk about desperate.|||God people are so f*cking stupid. Taking out a loan becuase the guy was like, totally hot, like....

The good news is that you didn%26#039;t totally f*ck yourself as for the poor fool you%26#039;re hot for, that another matter. The fact is that taking out a loan and then repaying it back within the first couple of months will help improve your credit score. Like, Oh My God!!!!|||First of all, I very seriously doubt that the loan does not allow prepayment for a few years, I think it%26#039;s more likely you may be charged a prepayment penalty which is probably worth paying if the interest rate is as high as you say it is.

By all means call the back and see if they will get rid of any prepayment penalty. Most banks are usually willing to work with you especially if you are trying to pay off a loan.|||Are you trying to be funny? ha ha ha ha .... (breath) ha ha ha ha.

Sorry that was rude. I highly doubt the bank will let you get out of it. I would suggest paying the entire amount back even if you have to get another loan to cover the pre-pay fee. There is no loan in the universe that doesn%26#039;t allow you to pay it back, they just have restrictions. If you pay it in full they will make you pay a percentage of the loan as a fee. Get out of this nasty loan and deal with the lesser amount that won%26#039;t cost you so much over time. Oh, and if this guy does ever ask you out... don%26#039;t tell him about the loan, he%26#039;ll probably dump you.|||you must really like him...hes not actually probaly aloud to date clients etc :S|||I never heard of a bank not allowing you to pre pay unless it was special financing. Call and inform them unless they allow to pay back the loan with any add%26#039;l interest that was added since you got the loan, you%26#039;ll file for bankrutcy.If they accept it, make sure you get it in writing that the loan is paid in full.|||I Love you too... Wish I was 25 again...

Take the money you borrowed and pay $500 a month till it is paid off... If there is additional charges for early pay off -- pay them.

Or take all the money you borrowed and pay on the loan and pay the penalty. Save you money on interest that is why the penalty

DO NOT stir up problems by listening to the other answers. Making inquires and griping and moaning about the rip off. You read the contract -- KEEP EVERY THING HUSH HUSH.

Don%26#039;t make a fool out of you self at the job....

There is no crime for being young and horny..

Being debt free is better than carrying a loan. Inquiries to ask about your loan is not good for your job. Working a special payment schedule and any junk involved with this loan will not be good for the job...A statement will arrive with the balance due that is owed and if a penalty shows just pay it..

I am really trying hard to keep you out of an embarrassing situaton... If you start crying to the manager with big crockodile tears he will be laughing on the inside...

NEVER mention to the others what and why you borrowed money. Shows total immaturity --- This time do not trust your manager...|||its the other way round, the guy pays not you, you dont get monies out to take guys out, its they who should pay for you,

tell the truth you cant afford to pay it, or risk balliffs or evictions.