Best way to get a small loan with excellent credit but a very thin file.

QuestionsBest way to get a small loan with excellent credit but a very thin file.
dealpal Staff asked 3 years ago

Hello everyone and thank you for your help. I am currently looking to purchase inventory for a business I plan to start. I need less than $ 10k to get started. I have excellent credit (FICO score 8 748 Experian) I’ve only had to pay interest once in my life. I’ve always spent what I can afford and paid everything off on time in full. I’ve never even been late on rent. Problem is, my file is thin. Unlike most young adults, i decided not to open a credit account since I was a reckless spender. So my credit history only dates back for 3 years. So my question is, is there ANY WAY I can be approved for a small personal loan to fund a business idea (business not yet established) even though I have a thin file. If so, what is the best way of getting approved without use of a Co-signer.
Thanks!

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