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The Basics of a Bad Credit Bank Loan
If you have had financial difficulties in the past, a bad credit bank loan can give you a second chance to reach a positive credit status.
A bad credit loan is ideal if you want to raise a large amount and have a poor credit history - you may be able to get a bad credit loan even when you have been turned down for an unsecured loan.
Interest rates on bad credit loans can be higher than other personal loans because of the perceived risks to lenders, but they are a readily available alternative source of funding for people affected by poor credit ratings.
Why would I need a bad credit bank loan?
If you have had a County Court Judgement against you that has not been resolved, or if you have failed to repay a previous debt, shopping for a loan, whether secured or unsecured, can prove to be an expensive and drawn-out process. Banks are often willing to loan money to you regardless of your credit, however you will have to pay the cost for your past mistakes, including a much higher interest rate.
A bad credit bank loan isn't just for those who have outstanding debt. If you are in arrears, have declared bankruptcy in the past year or have a substantial amount of debt already, you may have to settle for a higher interest loan. Additionally, you may be forced into such a circumstance even if you are relatively innocent. Whether you are self-employed or are otherwise unable to verify your income, chances are you will have to apply for a bad credit bank loan simply to introduce yourself to creditors.
Do I qualify for a bad credit bank loan?
If you are a homeowner, you are at an advantage when applying for a bad credit bank loan, because you have collateral to offer up to secure the loan. Banks would also look favorably on you if a co-signer with good credit was available who could guarantee the debt in case you weren't able to pay for one reason or another. And while a tenant who has bad credit and no available co-signer is not in the most favorable position to receive a loan of any kind, there are credit companies around who will step in to offer them ways to improve their credit status, such as secured credit cards and payday advances.
What if I have a 'right to buy'?
Although homeowners are favored over tenants in terms of securing a bad credit bank loan, there is an exception. If you are renting a home from a Council or Housing Association and are planning to purchase the home you are living in, you are known as a right to buy tenant.
In an effort to increase home ownership throughout the United Kingdom, tenants are being offered discounts to purchase the homes they rent, even if they have less-than-perfect credit. If you are in such a position, and you are not in the process of completing a bankruptcy or are currently overdue on a financial debt, you can qualify for a bad credit bank loan under the right to buy program.
About The Author
John Mussi is the founder of Direct Online Loans who help homeowners find the best available loans via the http://www.directonlineloans.co.uk website.
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