Does anyone have experience with these 12-month term loans? I've seen several credit unions, including mine, that offer these in amounts of $1K to $5K. Does anyone know the usual credit requirements to get these types of loans? I'm interested in one but would like to see if I can get some idea of the requirements that are usually attached to these instead of going into my CU and telling them I have bad credit (old BK and student loans).
