Personal loans can help you consolidate debt and fund major purchases without using credit cards. Plus, unsecured loans don’t require that you risk your home or car as collateral the way some other types of loans do. But it’s hard to get approved for a personal loan with bad credit, and you may have already faced challenges when applying for loans.

The good news is that you may be able to qualify, even with a limited credit history or problems in your credit reports. Unfortunately, you have fewer choices with bad credit, and borrowing will be more expensive. loans for bad credit

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