I am 26 yrs old. Father of 1 (16 month old daughter). Currently I am paying friends and co-workers for transportation, I need a vehicle and that is why I am here. Wife has only been in the U.S. for 2 yrs and has no credit. I have a credit score of 554, I am currently taking action in repairing my credit..... I have had alot of people claiming to be lenders emailing and calling me, if you cannot provide a loan without a fee or if the fee cannot be taken out of the loan amount itself then don't bother contacting me. I have already been scammed for over 2000 dollars from wannabe lenders on this site, if you need the borrower to pay a fee upfront then you are not a lender, you are more like a SCAMMER.