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The following article was published in our article directory on September 5, 2013.
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How to Secure Loans with Bad Credit

Article Category: Education

Author Name: Harry Vitt

Loans play a huge role in one's quality of life, so it is rare to find someone who hasn't taken advantage of one at any given point in time. In fact, you've most likely taken out several yourself - to tide you over until the next paycheck, cover unforeseen medical expenses, buy a car, or purchase a house. Given their apparent indispensability, it's probably hard to imagine not being able to take out a loan because of a bad credit rating.

If you're suffering from a low credit score right now as a result of bad financial choices in the past or for any other reason, don't be disheartened. You can still obtain the funding you need. Here are some ways on how you can secure loans with bad credit and without hurting your credit standing even further:

Choose the right kind of loan. Steer clear of payday loans and other small, unsecured loans that feature high APRs or annual percentage rates and short payment terms. These may solve your short-term financial needs, but there is little chance that you'll be able to repay them on time. This can land you in a debt cycle which involves you taking out another loan in order to pay for an outstanding debt again and again. Make sure that you go for a bad credit loan with reasonable terms.

Look into person-to-person lending. Also called peer-to-peer or P2P lending, taking advantage of this option enables you to borrow money from individuals - not from financial/lending institutions. The beauty of taking out a loan through a P2P lending marketplace is you can enjoy a lower interest rate and more flexible terms compared to if you secure one from a bank. It is also easier to get approved for loans with bad credit if you go for this option.

Go for a credit union loan. Your chances of securing a loan are higher if you approach your credit union than if you go to a traditional lender. This is because while the latter will most likely base his approval of your loan application on your credit rating, the former will take a kinder approach and look at you on a more personal level. Also, credit union loans often have lower interest rates, so it will be easier for you to repay your debt if you choose these over loans offered by banks and other lending facilities.

Look for a co-signer. Many people are able to secure loans with bad credit by having a co-signer. This is someone who agrees to pay the loan you secured should you be unable to do so. Having a co-signer makes you less of a risk to lenders despite your negative credit rating; as a result, your chances of getting a loan approved become higher than if you apply for one by yourself.

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