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Personal Loans for Those With Bad Credit From Odd Sources

Written By Devi Kristanti on Wednesday, September 10, 2014 | 8:45 PM


I Need Cash and I Need It Quickly

The quotidian aspects of the normal life can be dramatically upset in the face of an emergency or a sudden unexpected or unusual expense. Usually, the only way to fix such things is to throw money at them. You need to investigate the possibility of landing a personal loan for those with bad credit.

The nice thing about the personal loans is that approval is quick and your funds could be in your bank account within 24 hours. If you would rather, some lenders will put your borrowed funds on a prepaid credit card for a small fee, or they will cut you a check.

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Prosper With Prosper

Usually eBay is a place where you send money. With the eBay Prosper System, you can get money. Money for a personal loan for those with bad credit. What you do is auction off your loan to the guy or gal who bids the lowest interest rates. But, get this, some may offer to cover only part of the total amount you need. So you could come up with a number of little loans to meet your needs.

This means you will have more than one loan to pay, but this works for many and usually the interest rates and repayment terms are a lot better than what you would find at a private lender. Of course, the penalties can be high if you default and end up costing you a lot more than what you would usually pay for a loan. These bidders for your loan probably will not check your credit history.

About Credit Ratings

Most personal loans for those with bad credit are granted with little regard to your credit history. Of course, the better your ratings the lower your interest rates and the more comfortable your repayment terms. What the lender will be scrutinizing your monthly income and your monthly obligations. The lender wants to be sure you have enough expendable income to meet another obligation.

Despite this, you should pull your credit reports. For one thing, just about every credit report has discrepancies. Most of these can be cleared up within one to three months. But cleaning up the mistakes on your credit background can raise your scores, sometimes dramatically. And remember, the higher your scores the lower your interest rates and fees.

Pay Day or Cash Advance Loans

You should have already checked your budget and know how much you need and what you can afford to pay back each month. Usually pay day or cash advance loans can range from $100 to $1500. If you can only get a limited amount at one lender, find another lender who will give you a personal loan for those with bad credit who is willing to lend you the full amount.

If this cannot happen for whatever reason - voluntary cap on loan amounts made by the lender, credit scores too low to get the amount you need, or any number of other reasons - you might want to get a portion of the personal loan for those with bad credit from one lender along with money from another lender. Some states frown on this and have actually set up databases to prevent over-borrowing. Some states consider it prudent to prevent over-borrowing by its consumer-citizens.

A Number of Winners

Once you get your personal loan for those with bad credit, making your payments on time and in the proper amount, will boost your credit scores significantly. The next time you have an unexpected expense or an emergency you will be able to get a better deal than a personal loan for those with bad credit.


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