Help I'd like to take out a ~$10-20k loan to vacation a bit before catching the bus. Hoping for some advice/insight.

[cease]

My lease ends on the fourth of next month (May). My plan is to travel to the place I am going to CTB, rent a room, and enjoy my last handful of days. I currently have enough money to cover my travel fare, firearm, and a long weekend at an ok hotel, but not much beyond that.

Ideally I'd like to take out a loan to be able to spend a few weeks at a comfortable hotel. And I'd like to be able to afford to get around the city, eat good food, and drink good beer.

I've gotten my credit score just over 750 from using a credit building/self-lender website. My credit age/length of credit history is decent because a friend listed me as an authorized user on a couple of their accounts for a little while.

Reasons aren't pertinent but I haven't reported my wages for the last two years. As far as the IRS is concerned I have been unemployed, making $0/year, for that time.

If I am honest on the application, what are my chances of being approved for a loan that size? Does taking out multiple smaller loans make more sense?

Can anyone recommend an online lender? (DMs only, as per the rules)

If I lie on the application and am caught, are the consequences more or less immediate? Or will I be long gone by then?

Just in case it isn't obvious, I don't plan on paying back the loan lol.

 

[WornOutLife]

I was about to do something very similar but instead, got all my money and went to the casino and lost all of it. It sucked.
I guess some nice holidays sound better. Gonna take it into account next time.

 

[Tkmiz_Tsukumizu]

Do not do this, I also took out a huge loan ruined my finances thinking I'd be gone soon well now I'm even more in debt and still here. It could be mania talking and not you. Just my advice to you

 

[SuicidallyCurious]

your best option is to use credit cards. Personal loans usually will want tax forms. There may be some lenders that don't but I don't know of any.

CC lenders don't verify shit once you have a high score and long history. Apply for maybe two or three on the same day. If you receive a personal loan by luck I doubt you would be approved for multiple ones.

use your CCs to buy cash equivalents. Gift cards . Many people do this for normal reasons . You will lose maybe a few percent or less to get the cash equivalent which is a small price to pay for what is basically cash.

spend the cash equivalents or trade them for real cash. Pay your monthly minimums and drag it out until you want CTB

If you have a car or any valuable real property consider pawning it off or just selling it.

as other users posted you better be damn sure because if you aren't going to CTB this is going to be bothering you for years to come

 

[alittlehuman_]

I so was going to that and I wanted to take my best friend who can't stopping drinking and was fucked anyway but instead he called the cops from another country I lost gun rights

I have shit of money to burn and want to party but can't score so i order buffets of grub hub

literally the only reason i am here is to spare monkey people of the stench of my corpse, i may just get skip afterall because i dont feel like showering ever again and its been few days now

 

[Mixo]

Speaking from experience, absolutely do not do this. Too many people make their lives worse thinking it will help them catch the bus, but in reality, it just gives you anxiety and more problems. It is really easy to underestimate the extreme power of the survival instinct.

 

[HopelessFight]

Ideally I'd like to take out a loan to be able to spend a few weeks at a comfortable hotel. And I'd like to be able to afford to get around the city, eat good food, and drink good beer.

Just wondering, where are you planning to go to? $10k is a LOT of money for a few weeks of holiday, $20k even more. You don't need to stay in the most luxery hotel to have a good holiday.

I can't give financially advice about loans as I don't live in the US which has a completely different system than what we have in Europe, but in general: don't borrow money you won't be able to pay back (seeing as you're unemployed, I'm assuming you can't). What if you change your mind about CTB'ing after your holiday break? What if CTB'ing fails? You'll only have more issues than before.

EDIT:
I read your post the wrong way, you actually seem to be employed. Still, if you are not able to afford paying off this loan, do not do it.

 

[Sslsh]

My lease ends on the fourth of next month (May). My plan is to travel to the place I am going to CTB, rent a room, and enjoy my last handful of days. I currently have enough money to cover my travel fare, firearm, and a long weekend at an ok hotel, but not much beyond that.

Ideally I'd like to take out a loan to be able to spend a few weeks at a comfortable hotel. And I'd like to be able to afford to get around the city, eat good food, and drink good beer.

I've gotten my credit score just over 750 from using a credit building/self-lender website. My credit age/length of credit history is decent because a friend listed me as an authorized user on a couple of their accounts for a little while.

Reasons aren't pertinent but I haven't reported my wages for the last two years. As far as the IRS is concerned I have been unemployed, making $0/year, for that time.

If I am honest on the application, what are my chances of being approved for a loan that size? Does taking out multiple smaller loans make more sense?

Can anyone recommend an online lender? (DMs only, as per the rules)

If I lie on the application and am caught, are the consequences more or less immediate? Or will I be long gone by then?

Just in case it isn't obvious, I don't plan on paying back the loan lol.

Well just be sure you'll not have second thoughts and are well prepared :-/. This seems to be a great idea btw. I would definitely consider maxing out my credit card on a vacation before ctb

 

[HopelessFight]

Well just be sure you'll not have second thoughts and are well prepared :-/. This seems to be a great idea btw. I would definitely consider maxing out my credit card on a vacation before ctb

I do not agree this is a great idea at all. Well, if you are able to pay it off it might not be that big of an issue, but it sounds like OP wouldn't be able to.

The holiday might make OP change his decision about CTB'ing, or CTB'ing might fail. In both cases, his problems will only get worse with financial issues added.
I'm not sure how US inheritage laws work but here, family members would inherit the debt they might not be aware of. So if OP succeeds, he could bring trouble to others.

 

[plough22]

My lease ends on the fourth of next month (May). My plan is to travel to the place I am going to CTB, rent a room, and enjoy my last handful of days. I currently have enough money to cover my travel fare, firearm, and a long weekend at an ok hotel, but not much beyond that.

Ideally I'd like to take out a loan to be able to spend a few weeks at a comfortable hotel. And I'd like to be able to afford to get around the city, eat good food, and drink good beer.

I've gotten my credit score just over 750 from using a credit building/self-lender website. My credit age/length of credit history is decent because a friend listed me as an authorized user on a couple of their accounts for a little while.

Reasons aren't pertinent but I haven't reported my wages for the last two years. As far as the IRS is concerned I have been unemployed, making $0/year, for that time.

If I am honest on the application, what are my chances of being approved for a loan that size? Does taking out multiple smaller loans make more sense?

Can anyone recommend an online lender? (DMs only, as per the rules)

If I lie on the application and am caught, are the consequences more or less immediate? Or will I be long gone by then?

Just in case it isn't obvious, I don't plan on paying back the loan lol.

It sounds like a plan indeed, enjoy your last days hours. Just make sure you are sure, spending big and being laboured with debts too. Albeit another thing to send one over. Make sure those attached to you are not liable. Good luck with whatever you do. It sounds a plan and you know what you're doing.

 

[GenesAndEnvironment]

I wouldn't do it, but I wouldn't feel pleasure from that shit either so idk. Maybe aim a little lower and just get drunk or something? I'm thinking about getting drunk today, actually.

 

[cease]

Do not do this, I also took out a huge loan ruined my finances thinking I'd be gone soon well now I'm even more in debt and still here. It could be mania talking and not you. Just my advice to you

Hey I appreciate your input. I don't think I'm manic- been planning and preparing to CTB sometime between mid-May and early-June for nearly a year. The idea to default on loans via suicide popped in my head just the other day, so I'm just tossing some ideas around. Again, thanks :)

 

[Tkmiz_Tsukumizu]

Hey I appreciate your input. I don't think I'm manic- been planning and preparing to CTB sometime between mid-May and early-June for nearly a year. The idea to default on loans via suicide popped in my head just the other day, so I'm just tossing some ideas around. Again, thanks :)

No worries, I wish you the best of luck.

 

[cease]

your best option is to use credit cards. Personal loans usually will want tax forms. There may be some lenders that don't but I don't know of any.

CC lenders don't verify shit once you have a high score and long history. Apply for maybe two or three on the same day. If you receive a personal loan by luck I doubt you would be approved for multiple ones.

use your CCs to buy cash equivalents. Gift cards . Many people do this for normal reasons . You will lose maybe a few percent or less to get the cash equivalent which is a small price to pay for what is basically cash.

spend the cash equivalents or trade them for real cash. Pay your monthly minimums and drag it out until you want CTB

If you have a car or any valuable real property consider pawning it off or just selling it.

as other users posted you better be damn sure because if you aren't going to CTB this is going to be bothering you for years to come

Thanks this is the kind of advice I was looking for. If I decide to go this route, I'm going to use CCs. Someone on another forum said more or less the same thing.

And the plan is to CTB while on vacation, I have a couple spots picked out.

 

[HopelessFight]

I really wonder what kind of holiday you have in mind, especially during the pandemic where travel is restricted, which will cost you $20k.

 

[cease]

I so was going to that and I wanted to take my best friend who can't stopping drinking and was fucked anyway but instead he called the cops from another country I lost gun rights

I have shit of money to burn and want to party but can't score so i order buffets of grub hub

literally the only reason i am here is to spare monkey people of the stench of my corpse, i may just get skip afterall because i dont feel like showering ever again and its been few days now

oooof I am so sorry about your friend. That is my nightmare.

I feel you on the showering. I've been putting in an obscene amount of effort the past few months to keep my friends thinking "Wow, Cease seems happy these days.". My psychiatrist has me on a handful of meds that it a bit easier but I still slip up sometimes. I got vaccinated for covid over a week ago- when I took my clothes off to shower this morning I still had the fucking bandaid on my arm I am lucky to live somewhere with such a long winter. Helps keep the stink in check

Back to your friend calling the cops- isn't it fucked 'we live in a society...' that's built such a stigma around suicide? The fact that saying the wrong thing to the wrong person means you lose your right to what is arguably the most reliable+painless way of CTB. It absolutely disincentivizes talking about suicidal thoughts. My therapist, psych, and friends are all under the impression that I haven't had a suicidal thought in nearly a year.

Speaking from experience, absolutely do not do this. Too many people make their lives worse thinking it will help them catch the bus, but in reality, it just gives you anxiety and more problems. It is really easy to underestimate the extreme power of the survival instinct.

Thank you for your advice. I was able to thwart SI during my last attempt a little over a year ago- tried doing a combo of the night-night method + N, and a few too many of my favorite beers. Obv didn't work- I woke up, not dead, covered in vomit and bruises from deathrolling I guess. Drinking the N and donning my jury-rigged tourniquet was easy enough BUT I've never put a gun in my mouth, so I don't know what that would feel like. You very well could be right. I might be underestimating it. Again, thanks for your input.

Just wondering, where are you planning to go to? $10k is a LOT of money for a few weeks of holiday, $20k even more. You don't need to stay in the most luxery hotel to have a good holiday.

I can't give financially advice about loans as I don't live in the US which has a completely different system than what we have in Europe, but in general: don't borrow money you won't be able to pay back (seeing as you're unemployed, I'm assuming you can't). What if you change your mind about CTB'ing after your holiday break? What if CTB'ing fails? You'll only have more issues than before.

EDIT:
I read your post the wrong way, you actually seem to be employed. Still, if you are not able to afford paying off this loan, do not do it.

$10-20k is a lot of money. My CTB date has been set for mid-may/early-june for nearly a year but the idea to default on loans via CTB only came to me yesterday. After shopping around, 5k seems like it would be more than enough.

The plan is to CTB while on holiday. I'm going to put a shotgun in my mouth. The only way that'll fail is if I'm not able to pull the trigger.

My main source of income is through webcam modeling (ie, I'm a "camgirl". Theoretically I could make enough money to cover my hypothetical trip this month but I can't find the willpower to work these days. If I am too chickenshit to pull the trigger, I could dig myself out of a little debt.

I really wonder what kind of holiday you have in mind, especially during the pandemic where travel is restricted, which will cost you $20k.

yeaaah 10-20k was a figure I just kinda threw out there. Again, after shopping around, it looks like 5k would be plenty.

As far as the vacation goes, I'd like to spend a few days camping on one of the ferries that go up and down the Alaska Marine Highway, disembark at one of the destinations I have in mind, get a hotel that offers a continental breakfast, purchase my shotgun, eat good food, drink good beer, and practice putting the barrel in my mouth until I'm able to pull the trigger.

 

[cease]

I do not agree this is a great idea at all. Well, if you are able to pay it off it might not be that big of an issue, but it sounds like OP wouldn't be able to.

The holiday might make OP change his decision about CTB'ing, or CTB'ing might fail. In both cases, his problems will only get worse with financial issues added.
I'm not sure how US inheritage laws work but here, family members would inherit the debt they might not be aware of. So if OP succeeds, he could bring trouble to others.

It might make me change my decision but I don't think it will. I've done a lot of things this year that were supposed to give me a new lease on life and it hasn't happened. Regardless, you're right, it is a possibility.

I am estranged from my family. In any case, as per US laws no one will inherit my debt. Worst-case-scenario, debt collectors will track down my family and hassle them about it, but that's all. Thb Tbh, I'm getting a kick out of the idea of my family finding out I blew my brains out somewhere in The Last Frontier.

As far as bringing trouble to others, I don't like the idea of someone having to find and clean up my corpse. I am still working out the past best way to handle that.

 

[SuicidallyCurious]

Thanks this is the kind of advice I was looking for. If I decide to go this route, I'm going to use CCs. Someone on another forum said more or less the same thing.

And the plan is to CTB while on vacation, I have a couple spots picked out.

Further advice : try to find 0 percent APY promo offer on balance transfers or purchases. And transfer all to that card. This will make it so much easier to back out if you decide to do it
Much easier to work your way out of 0 percent APY than standard rate. Only downside is they will charge a one time small balance transfer fee usually at about the rate of a mortgage