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Compared to the past, it is now much easier to get a secured personal loan with bad credit. Gone are the days when bad credit holders were turned away and not offered loans. Also gone is the time when customers had to pay steep interest rates just because their credit rating was bad. Here are the reasons why things have improved.

Increased players
In the initial days, only banks and a few financial institutions used to offer loans. There were many takers and only borrowers who had sufficient security to offer and a good credit record were considered. Today this scenario has changed drastically and there are many private and public lending companies in the picture. With each firm vying for a share of customer’s business, competitiveness has increased and for customers, so have the options.

Emergence of the Internet
Statistics report that the use of the Internet for personal loans has been increasing each year. It has also been estimated that in 2004, online distribution channels for personal loans comprised approximately 8.5 per cent of the total personal loan market. This figure is equivalent to 5.6 billion in total advances. Also most lending firms have shed geographical barriers to offer loans worldwide. They compete on interest rates and other factors.

Tools for loan
Initially taking a loan was a complex business, with difficult jargon to understand and even more complex rules to follow. Today advice, support, help and tools are available online tailored to make the business of finding loans much easier. Options have increased, and lenders have different options for loans for different purposes. Loan calculators and a range of tools are available to help calculate the amount of money that can be safely borrowed and repaid.

Benefits
Most importantly, even if one has bad credit, the benefits of taking a secured personal loan have increased. Customers can improve their debt situation by consolidating debt, enjoying a luxury holiday, buying the car of their dreams, paying off high interest credit cards or taking funds for medical emergencies. Most valuably, lending companies allow flexible rules that allow people to pay back loans in a reasonable and simple manner.

While the market has truly advanced, many false lenders have found a market of unsuspecting borrowers too. While advancing for a loan, and more importantly for a loan if you have bad credit, is important to check the reliability of the company and double check its documentation. It would be highly beneficial, if customers take a loan from known companies at a slightly higher rate too. Moneyeverything.com is an online comparison site that lists the top lending names and the best rates in the industry.

About the Author: I write Articles on Loans for moneyeverything.com