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Managing Money Is Essential
By Johnathan Bakers
Do you want to get a personal loan, but are unsure of your chances because you have poor credit history? You shouldn’t give up hope because you might still be able to get the loan. Read below to learn helpful hints on getting a personal loan even with bad credit.

You might still be able to get a personal loan with bad credit, because there is so much competition in the market to provide loans to people with bad credit. You will still want to be aware that this loan might not be at such a good interest rate compared with someone getting a loan who has great credit.

Make sure you can meet the monthly payments before you try to get a loan. You want to be able to help your credit record, not hurt it with your loan. You should write out a budget and follow it to make sure that you don’t overspend. This will be key in staying debt free.

You need to learn your credit score and this will help to determine what kind of loan you will be qualified for. You want to make sure that your loan will be noted by major credit bureaus because they will be the ones to help you improve your credit score. You can find out your credit score when you are in the negotiation process


with your potential lender.

Figure out how much money you really need in a personal loan. Some loans will have a lower interest rate, but the payment period will be shorter. You might even save money with this kind of arrangement because compared to other loans, this one might take you less time to pay up and this could help you to better manage your money.

You should compare your personal loan options with your credit card options. Most of the time a personal loan will have a lower interest rate, but sometimes you can get a credit card with 0% APR for the first six months to a year. This could help you out as well depending on your situation.

Make sure you shop around before you decide on anything definite. You will want to note the rates of all the major lenders and see how they add up. You need to figure out what works best for you and go with it.


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This page was updated on Nov 2009 and is Copyright © 2003 by Global Com Consulting Inc.