The fact that banks are rejecting more loan applications than in previous years is down to the poor state of the economy. But that is not to say that those of us with poor credit ratings are unable to get any form of funds. When the required criteria are met, then even unsecured personal loans for bad credit management are within reach.
It might not seem unfair that traditional lending institutions are turning applicants down, but their policies have been tightened up because of the credit crisis of the last 4 years. But securing loan approval with bad credit is possible because there are alternative loan sources, not least online lenders.
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