Loans for borrowers with very poor credit score:
If you search well enough, you can find a lot of lenders who will be ready to provide a loan to you despite the poor credit history. But as they are made to face bigger risks by giving a loan to a bad credit borrower, they have no other option but to inflate the annual percentage rate to whatever they think is reasonable. So, that is one thing you need to keep in mind if your credit history is not attractive. Moreover, remember that you can do something about the high interest rate while you are trying to get a personal loan. Negotiation with the lender is something you must never miss if you feel that the APR he has offered is not affordable to you at all. And never think of getting an unaffordable loan when you are already in the pit of debts and bad credit. This will only complicate the situation as you fall into more late payments and missed payments.
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The private personal loans:
If you want to get approved as quick as possible, resort to the private lending places. This is one option for borrowers who cannot afford delays during approval. You can fetch a personal loan quickly if you apply at these places but needless to say, you will have to endure the higher prices in the form of a big annual percentage rate. As I said earlier, if you try negotiation, you could end up with a better rate than the one previously offered. But this all depends on your own profile, especially your job and current income.
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