How can I get a personal loan?

How can I get a personal loan if I have bad credit?

• My income is $60,000/pa through a steady job and I can easily make the repayments. However, over 2.5 years ago when I moved house - I left a $200 mobile bill unpaid. In between now and this time I have settled the bill with my old mobile provider. The problem is, even though I've settled the bill ... I still have a black mark against my name on my credit rating which says that while the amount has been paid.. it was well overdue. Because of this, I can't seem to get my personal loan with any of the major banks. Is there any other way I can obtain the loan through any other lender .. the only type of 'bad credit' loan I can find is for people already severley in debt (which I'm not) .. and only seem to offer 'consolidation loans'. Is there anywhere that is likely to lend me the money? Thanks.

• Answer:

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