Having a bad credit history is certainly not a good sign when approaching lenders. Of course, nowadays millions of people have taken hits on their credit reports. Anyway, with poor credit, you are not going to have much luck with even your brick and mortar hometown lenders. So, you are going to have to shop a little differently than others, but there are still options. The best option would be to have cosigner. You can get a larger bad credit personal loan and probably much better interest rates and much more reasonable repayment terms.
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