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Bad Credit Loans

If you have a bad credit history, that doesn't mean that you cannot get a loan. There are plenty of loan providers who cater for such situations. Of course if you do have a bad credit history then the risk to the lender is percieved to be greater - if you've defaulted on a loan before it would seem likely that you will do so again. For this reason interest rates and administration charges in such instances can be much higher. Accordingly, it's really importanty that you shop around for the best possible deal.


When looking for a bad credit history loan make sure you read the small print carefully. Work out some examples for yourself of how much you will have to repay and pay special attention to any clauses relating to early repayment or late payment charges.

It's also important that you look at your own circumstances carefully. If you have defaulted on a loan before, what has changed about your circumstances that means you are sure you won't miss payments on this next loan?

Whatever kind of loans for you are looking for make sure that you are not paying an exorbitant rate of interest and make sure you can afford the repayments.

4 loan facts u should know:

1. Lenders get rich
2. It's better to save than get a loan
3. Borrowing rates are always higher than inflation
4. Failure to meet loan repayments = trouble