How to get a personal loan if your credit is ‘problematic’

Personal credit scores typically range from a low of 300 to a high of  850. Scores less than 670 may be considered fair if not poor.

How to Get a Loan with Bad Credit

One is to apply for a personal loan with a cosigner. This allows you to leverage that person’s credit history and income in addition to your own.

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How to Choose the Best Bad Credit Loan Company

There can be a lot of variation among lenders, so review the terms  and conditions of your loan agreement carefully before you sign.

APR and Lender Fees

The annual percentage rate (APR) helps you figure out the total cost of  the loan. It includes the interest rate as well as any fees the lender  charges, like an origination fee.

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Even if you get approved for a personal loan with bad credit, make sure you can afford the monthly payments.

Monthly Payments


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