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Personal Loans Help Those With Bad Credit Onto the Road to Financial Recovery
By Hilary Bowman
There was a time when having bad credit score effectively meant that loans were impossible. However, these days there is always the chance of turning financial strife around, and regaining a good credit rating. It is widely accepted that personal loans help those with bad credit, and provide the stepping stones to a good credit score.
It is never really possible to have guaranteed personal loans with poor credit, but there are some things that can be done to greatly improve the chances of an application being successful. While there is a list of conditions that must be satisfied, the fact is that there are ways around some of the more problematic issues.
The first thing to do is to look at what some of those issues are, and by knowing what to look out for, it is more likely to see personal loans approved, with bad credit no longer the debilitating factor it seemed.
Reasons A Loan is Rejected
There are a few reasons why a loan application might be rejected by a lender. While it is certainly true that a personal loan helps those with poor credit on their way to financial recovery, the application needs to be carefully structured to appeal to the lenders.
Bad credit can put the applicant in a bad light, thereby reducing the chances of a guaranteed personal loan with poor credit. However, low ratings are not always caused by irresponsible money management.
Pointing out that circumstance was the cause of falling scores, such as a reduction in income, a job loss or even an unexpected financial emergency, can put the score in context for the lender. It is not unusual to see personal loans approved with bad credit as a result.
By stating the purpose of the loan, lenders are assured that the money is not to be wasted on unnecessary things. After all, personal loans help those with poor credit, by clearing credit card debt, or paying for sudden medical bills, but to finance a vacation in Las Vegas is irresponsible.
Finally, the size of the loan being applied for is telling, with lenders understanding that the applicant is beginning a structured approach to dealing with their poor credit.
Why Small Loans Work
The fact is that the closest thing to a guaranteed personal loan with bad credit is a small loan. The lender sees that the applicant has avoided the temptation to seek a big sum, and instead chosen a loan that is easily repaid. For example, a $2,000 loan can be repaid within a year at perhaps just $200 repayment per month. This is affordable and can be quickly repaid in full.
While $2,000 might not repay all of the existing debts, the chief benefit is that it allows a simple way to improve the credit rating. In this way, these small personal loans help those with poor credit, seeing them edge up the rating table.
Type of Short-Term Loans
There is a range of short-term and small personal loans to choose from. Collateral goes some way to creating a guaranteed personal loan with bad credit, since it provides security for the lender. But an unsecured loan, without collateral is more likely.
Other short-term loans approved with bad credit may be only a year or less, but a cash advance or pay day loan can be just a few weeks in duration. These are issued on the basis of an upcoming pay check, with the loan paid in full once the next one arrives.
Such personal loans help those with poor credit, but the terms and conditions are telling and the right one should be chosen carefully.
Hilary Bowman is the author of this article. She works successfully as a financial advisor with years of expertise on Military Loans for Bad Credit. Hilary publishes informative articles about Bad Credit Loans and other financial topics at FastGuaranteedLoans.com
Article Source: https://EzineArticles.com/expert/Hilary_Bowman/114938
http://EzineArticles.com/?Personal-Loans-Help-Those-With-Bad-Credit-Onto-the-Road-to-Financial-Recovery&id=6774709
Unsecured Loans With Bad Credit Can Be Approved If Criteria Is Met
By Joycelyn Crawford
It is a simple truth that if the criteria of any loan application is met, the chances of getting that loan approved is greatly increased. It is only logical, but it is surprising how many applicants for unsecured loans with bad credit prefer to take a shot at it rather than prepare properly to meet the established criteria.
It does seem a bit foolish, even when bad credit scores are a negative factor in the application process, but it has never been a shot in the dark approach that has seen unsecured loans approved, despite bad credit. A carefully structured approach with every element of the application in order, is always more successful.
The task of getting unsecured loans with bad credit approved comes down to convincing the lender that their investment is safe. After all, most traditional lenders, like banks and credit unions, prefer not to take the risk when there is some semblance of doubt. But by meeting the conditions laid out, their concerns are put at ease.
What the Lender Wants to See
In general, lenders want to know two things before agreeing to issue unsecured loans with bad credit: firstly, that repayments can be made, and on time; and secondly, that the funds will be used for what they are proposed for. Both of these points are particularly important for unsecured loans where the lack of collateral increases the risk factor.
Showing that repayments can be made, and on time, does increase the chances of getting unsecured loans approved, despite bad credit. Of course, it comes down to proving that a regular income is being received, and this is done by simply providing a recent pay slip, a photocopy of an employment contract and the provision of a bank statement. Any of these items can enhance the application for an unsecured loan.
The second criterion to match when applying for unsecured loans with bad credit is to show that there is a responsible purpose for the funds borrowed. This is not usually an issue when applying for an auto loan, or home loan, as the purpose of the funds is stipulated in the loan contract.
However, with personal loans - whether unsecured or secured - the money can be used for anything. This can include heading to Las Vegas for the weekend, but to get unsecured loans approved despite bad credit it is better to provide evidence of a more meaningful use. So, showing that the unsecured loan with bad credit will be used to clear credit card debt, catch up on late utility bills or pay for unexpected medical bills is better.
Basic Criteria to Meet
Of course, there are basic criteria to meet that some applicants seem to prefer to overlook. For example, proof of age is required because lenders are not permitted to give, not just unsecured loans with bad credit, but any type of loan, to people under the age of 18.
Also, proof of citizenship is requested as lenders are not willing to lend to individuals who are not legally entitled to reside in the US. This makes sense as there is the risk that the applicant can get unsecured loans approved despite bad credit scores, but then return to their own country without fully repaying the loan.
Personal loans with bad credit are also more likely to be approved if the proof of employment shows that the applicant has a regular job. Self-employed applicants may find it more difficult to successfully apply for unsecured loans with bad credit as the risk of their business failing is an added concern.
For business owners then, some collateral may need to be provided, making it a secured loan. However, the fact that criteria is met in other respects strengthens the application in any case.
Joycelyn Crawford is the author of this article. For more information about Easy Loans for Bad Credit and Easy Home Equity Loan please visit EasyLoanForYou.com
Article Source: https://EzineArticles.com/expert/Joycelyn_Crawford/82514
http://EzineArticles.com/?Unsecured-Loans-With-Bad-Credit-Can-Be-Approved-If-Criteria-Is-Met&id=6757222
Online Lenders Offering Low Interest Auto Loan Rates in Las Vegas
By Patrick Morgan
The constant challenge for the most beneficial vehicle loan rates is crucial at present as the economy is going down the tube. People in many states, especially Florida, Nevada, California, Arizona, Georgia, Michigan and Ohio are facing enormous housing foreclosures and job losses. How can you possibly discover the lowest cost auto loan rate if you live in one of those states and have a foreclosure as well.
Spending months trying to locate as many lenders as possible and getting quotes from each of them does not seem realistic when you are desperate to buy or refinance your vehicle. However, as much as the best car loan rates depend on the lender, there are certain other factors involved that will be discussed in the following paragraphs.
The overriding question is how to help yourself get the best car loan rate. The first thing to do would be to get your most recent credit report and credit score from one of the big three credit reporting agencies. Your credit score is one of the primary determinants of the interest rate the lender will charge you for a car loan. If your score is 600 or lower, you will be paying a higher interest rate than someone who's score is 725. If you have recently defaulted on any loans or credit cards, you'll find that your friendly neighborhood banker won't be quite so friendly when you go in for a car loan. If you have multiple small balance credit cards, you can try paying them off as quickly as possible, before you apply for a car loan. Each card you pay off will help boost your credit score.
Maintaining a healthy credit score is of the utmost importance when seeking any type of loan. If your score is already dinged you can try to purchase a good, solid used car versus a brand new car. This will lessen the amount you have to finance and keep your monthly payments lower.
Another way to get the best interest rate would be to get a secured car loan. In a secured loan you have to pledge collateral equivalent to the loan amount. This collateral can be any asset that you may have, such as stock, bonds, jewelry, antiques, your home (which I wouldn't suggest), and any other valuable property that you own, free and clear. Some lenders, that specialize in bad credit auto loans, will even allow the car that you are financing to be pledged as collateral for the loan. Secured loans have to be dealt with carefully, as you may lose your collateral if you default on the loan. Though you may obtain a lower interest rate with a secured loan, you also are taking the risk of losing whatever asset you pledged.
The other option for a car loan is an unsecured loan where no collateral is required by the bank. These are difficult to obtain if you are sitting on a bad credit report. Secured loans are much less risky for the lenders as they can take possession of your pledged collateral in case you default. Because of this, most lenders are willing to give secured loans at a lower rate of interest and to consumers with bad credit problems.
There are now many online lenders that specialize in bad credit auto loans. Do your research, be prepared to fill out an application with honesty and you may be in a new or used vehicle before you ever thought possible.
If you're looking for a bad credit auto loan [http://www.bad-credit-auto-refinance.com] in Michigan, please visit this site where you can obtain information on every type of car loan, including bad credit personal auto loan [http://bad-credit-auto-refinance.com/bad-credit-new-car-loan/]. Pat Morgan is a retired auto dealer finance manager from Austin, Texas, who has started a site to help consumers with bad credit obtain car loans.
Article Source: https://EzineArticles.com/expert/Patrick_Morgan/236536
http://EzineArticles.com/?Online-Lenders-Offering-Low-Interest-Auto-Loan-Rates-in-Las-Vegas&id=1359711
$10,000 Personal Loan With Bad Credit: Why Purpose Is So Important
By Sarah Dinkins
Assuming that bad credit means the chances of being approved for a $10,000 personal loan with bad credit is unlikely, would be a mistake. The truth is that lenders need to lend to make profits, and so long as repayments can be assured, they are happy to give the green light. What this means is that when everything is in order, any application can be successful.
In reality, loans that are granted without collateral are not as easy to get as loans that come with some kind of security. But securing loan approval depends on more things than bad credit ratings and collateral. The other factors influencing an application can vary, but one of them is the purpose of the loan.
Admittedly, this is not the first factor that people think of, but when the specific purpose of a loan is provided, lenders are able to more accurately assess the chances of the large unsecured loan being fully repaid on time.
The Significance of Purpose
Lenders like to know that the money they lend is being used properly, and not being wasted. After all, reliable people do sensible things. For example, someone that can be trusted to make repayments on time is not likely to seek a $10,000 personal loan with bad credit and then go straight to Las Vegas.
Of course, it is not difficult to identify the purpose of a loan when getting an auto loan, or home loan. But the purpose of other loans is more open to interpretation. By stating a the specific purpose, securing loan approval is made a little more possible.
If the purpose is to consolidate existing debts then the lender will be impressed. But it is not a good idea to seek a large personal loan to head on vacation with. Bad credit needs to be treated seriously, and wasting finances is never a good move.
How a Purpose is Proven
It is fine to state in an application for a $10,000 personal loan with bad credit that the purpose of the loan is a constructive one, but lenders expect some sort of corroboration. This means providing as much detail as possible in an application, and not just a short statement and leaving the rest to chance.
With online forms, it is easy to just tick the boxes and type in text where requested. But the more detail the better when securing loan approval is on the cards. For example, if the loan is to consolidate debts, state which loans and how must the balance is. Provide a breakdown that leaves no questions.
It is also a good idea to make direct contact with the lender, either through emails or even over the phone. The benefits of this technique is that the lender will see the applicant as more than just a number, and the degree of interest shown in the application for a large unsecured loan will be seen in a positive light.
Practical Loan Uses
While the purpose of a loan should always be constructive, there are practical uses to getting a $10,000 personal loan, with bad credit management just one of them. Admittedly, such a sum can solve debt problems, but remember that the loan needs to be repaid. To this end, it is essential that the loan be confirmed as having a practical use.
Certainly, the realities of the financial situation need to be taken into account. So, getting advice from a debt specialist is a worthwhile move too. Securing loan approval would be great, but not if the extra debt is set to cause financial trouble rather than anything else. Once the applicant is clear on why a large unsecured loan is needed, then it become easier to convince the lender.
Sarah Dinkins is a financial advisor who writes about Guaranteed Unsecured Credit Cards and 100% Guaranteed Bad Credit Loans
Article Source: https://EzineArticles.com/expert/Sarah_Dinkins/51657
http://EzineArticles.com/?$10,000-Personal-Loan-With-Bad-Credit:-Why-Purpose-Is-So-Important&id=7234248
$25,000 Unsecured Personal Loans: How to Make Approval More Likely
By Mark Venite
For bad credit borrowers, the chances of getting the green light on a $25,000 unsecured personal loan is expected to be nil. The loan assessment process is strict, and applicants with poor credit histories are carefully vetted. But with careful preparation, an application can be strong enough to be approved.
The strength of a loan application rests on only a few points: the affordability of the loan; the debt-to-income ratio of the applicant; and the specific purpose of the loan. The problem with seeking large unsecured loans is that lenders fear the funds will be wasted, and not used responsibly.
If the $25,000 is to be used to clear some existing debts, rather than financing a weekend in Las Vegas, then they are more open to the idea of granting loan approval with bad credit. And with some careful planning, the other issues can be addressed too.
Improving Affordability
The first two issues are closely associated, with the affordability of a loan affected by both the interest rate charged and the debt-to-income ratio that exists. When it comes to getting $25,000 unsecured personal loans, especially with bad credit scores, some effort is needed to ensure both are kept in order.
Bad credit borrowers are usually charged higher interest rates because of the perceived greater risk lenders accept. And with large unsecured loans requiring larger monthly repayments sums anyway, the total in repayments can be significant. With the ratio stipulating that a maximum 40% of income be used for debt repayments, the sum often pushes the total figure over the limit.
But both can be improved with either small or large consolidation loans. With these funds debts can be cleared, and with each debt cleared, the credit score improves. This in turn means the interest rate falls. And, with each debt gone, the debt-to-income ratio improves too, making loan approval with bad credit more possible.
Making Realistic Applications
Even with the efforts made to strengthen a loan application, rejection can still be the outcome. Sometimes, the problem is that applicants fail to realize the reality of their position. What on paper seems affordable to them is not convincing enough to lenders. With no security offered, this is especially true with a $25,000 unsecured personal loan.
The best way around this problem is to be realistic with the sum of money sought. For example, if $20,000 is needed and easily affordable, why apply for $25,000? And if $25,000 is needed then, consider splitting the sum into 2 or 3 smaller loan applications - $10,000, $10,000 and $5,000. A large unsecured loan might be rejected, but 3 successive smaller ones are more acceptable.
And remember, with the specific purpose of the loan detailed in the application, the likelihood of unsecured personal loan approval with bad credit is much greater.
Choose Your Lender Wisely
Finally, when seeking a $25,000 unsecured personal loan, a key factor is choosing which lender to apply to. The best terms are available online, and after a search on a comparison site, the best options matching your preferences can be found in seconds.
But there are security risks in getting loans online, and checking the reputation of lenders through either the BBB website, or Verify1st.com, is necessary. For this reason, it may be worth speaking to familiar traditional lenders with the chances of getting a large unsecured loan with acceptable terms high when they already know your background and character.
Of course, it is hard to beat the terms of online lenders, who are more open to personal loan approval with bad credit. But ignoring any option would not be a wise move.
Mark Venite is the author of this article and a successful financial advisor with 20 years of experience. He helps people to get approved for Bad Credit Personal Loan and Student Loans with Bad Credit. For more information about his services please visit him at AccessMyLoan.com
Article Source: https://EzineArticles.com/expert/Mark_Venite/1134449
http://EzineArticles.com/?$25,000-Unsecured-Personal-Loans:-How-to-Make-Approval-More-Likely&id=7412323
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