A bad credit bank loan is now fairly difficult to get. It seems banks just aren't lending money the way they once did. The good news is that it may still be possible to borrow money, even with bad credit. The bad news is that it may be expensive to do. So, before proceeding you need to think long and hard if another loan is right for you.
So having a bad credit history means giving you a loan could be a risk due to your bad records on your credit history stating that you have a late payment or default repayments on your previous credit bank loan.
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