Bad Credit
Loans for Bad Credit
See how a weak credit file changes the rate, fees and amount you are offered, and why certain approval is advertising rather than a lending result.
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A thin or damaged credit file changes which doors open, not whether you can borrow at all. These guides explain approval factors, co-signers, decline reasons and lower-cost alternatives to short-term high-cost credit.
Guides in this section
5 guides
Bad Credit
Borrowing With No Credit
Borrowing with a thin credit file: the documents lenders may accept, how builder instalment products work, and why starting with a small amount helps.
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Bad Credit
How Co-Signers Help
What a second borrower changes about approval odds and pricing, the legal responsibility it creates, and the strain it can put on a relationship.
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Bad Credit
Why Applications Get Denied
A guide to the common reasons a borrowing request is turned down, from income checks to mismatched details, and what to correct before applying again.
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Bad Credit
Safer Payday Loan Alternatives
Compare short-term high-cost borrowing with credit-union small loans, employer advances, payment plans and family arrangements, and see the total cost.
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Bad Credit
Credit Builder Loans
With this product the money arrives last, after the payments are made. Here is what that unusual order does to a thin credit file, and what it cannot fix.
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Bad Credit
Late Payments and Your File
A single late mark and a string of them age differently. Here is what time does to the record, what paying the balance does not do, and where to look for errors.
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