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How To Get Approved For a Personal Loan With Bad Credit or No Credit

For a regular bank loan officer this implies that he is considering lending money to a high risk client, because these kinds of records are known to lead to late payments and default.

Bad Credit Personal Loan Lenders

There are however other financial institutions willing to approve loan applications for people with bad credit. You should bear in mind though, that these financial institutions usually charge a higher interest rate. This is due to the higher risk involved for the lenders when lending to people with past financial problems.

Nevertheless, your credit history will be checked if you apply for a loan. Your credit report will almost always be pulled and your credit score will be taken into consideration. But you donít need to despair; there are many ways to increase your chances of getting approved for a personal loan even with bad credit.

Bad Credit Secured Personal Loans

If you have any asset you can use as collateral, the smart thing to do is to apply for an unsecured personal loan. In this type of loan your credit rating becomes less important as the value of the asset will be guaranteeing the loan repayment.
This means that if you fail to pay the monthly installments, the lender has a legal claim on your property and you risk repossession.

Pondering the loan amount

Reducing the loan amount is another way of increasing your chances to get approved. The loan amount is another factor that plays along with the others so if you can reduce the amount of money you request, the requirements for approval will be less
strict. That being said, you should always request the strictly necessary and not a dollar more.

Late and missed payments

You should avoid missing payments. Make sure all your bills and loan installments are up to date. Late payments will also have negative effects on your ability to get approved. Usually people belittle these two factors but it has such importance that it may imply that you get blacklisted for loans for a long period of time.

Applying to the right lenders

If your credit is too bad, donít waste your time with banks and other mainstream lenders, theyíll pull your credit report
just to decline your application and this will affect your credit score negatively. At this point, you should aim to financial institutions specialized in bad credit loans. These firms focus on customers with past credit problems and are ready to deal with their needs.

You should bear in mind though that the interest rate charged for such loans is higher than the one you would get from a
bank. You may be able to reduce the interest rate by offering collateral or applying for a personal loan with a co-signer.

Search for your loan Online

When it comes to finding a lender willing to approve a bad credit personal loan, online lenders are the best options. Due to their online nature, they have lower costs and thus charge lower interest rates. There are also some online firms that offer access to many lenders in a single site, so you wonít need to search around for a lender and youíll be able to compare loan quotes from the comfort of your home.

About the Author: Mary Wise, a professional consultant at with twenty years in the financial field, prevents consumers from falling into the hands of fraudulent lenders.
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