Low credit scores can play havoc with loan applications, but there is no reason to believe it impossible to secure a personal loan with bad credit. In fact, there are plenty of options available to bad credit borrowers. The only question is which of them is the best option given their specific financial situation.
It is always preferable to get a loan with a low monthly repayment, but approval usually means accepting compromises and loan terms that are less than ideal. In many cases, they are high-risk online loans, where the pressure to meet repayments is high, while for lenders, the chances of getting their money back is low.
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