{"id":1058,"date":"2022-10-06T10:49:44","date_gmt":"2022-10-06T10:49:44","guid":{"rendered":"https:\/\/www.reddinkcredit.com\/?p=1058"},"modified":"2023-04-03T07:09:23","modified_gmt":"2023-04-03T07:09:23","slug":"what-you-should-know-before-you-apply-for-a-bad-credit-loan","status":"publish","type":"post","link":"https:\/\/www.reddinkcredit.com\/what-you-should-know-before-you-apply-for-a-bad-credit-loan\/","title":{"rendered":"What You Should Know Before You Apply For A Bad Credit Loan"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1058\" class=\"elementor elementor-1058\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-32701bb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"32701bb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-606e8ea\" data-id=\"606e8ea\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0dc2dc3 elementor-widget elementor-widget-text-editor\" data-id=\"0dc2dc3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\tBad credit loans are an option for people with a low credit score who need short-term financing but have no other options, like having their car repaired or buying the things they need to start their own business. But before you apply for one of these loans, there are some things you should know about them and their terms so you\u2019ll be able to make the best possible decision when you apply. This article will cover everything you need to know before applying for a bad credit loan.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-52dfefe elementor-widget elementor-widget-heading\" data-id=\"52dfefe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 01-11-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h3 class=\"elementor-heading-title elementor-size-default\">Protect Your Credit Score<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a4823cc elementor-widget elementor-widget-text-editor\" data-id=\"a4823cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tCredit is one of the most important things in your life. And if you have bad credit, it&#8217;s important to protect it. One way to do that is by taking out a bad credit loan. However, before you take out a bad credit loan, there are some things you should know: \t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59390fa elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"59390fa\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.reddinkcredit.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-double-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Bad loans will be reported on your credit report and can hurt your chances of getting approved for other loans in the future <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-double-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">They usually come with higher interest rates than traditional loans <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-angle-double-right\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">You may need collateral or someone who will co-sign with you on the loan If you think you might qualify for a bad credit loan, check out these websites to get started. <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a52339 elementor-widget elementor-widget-heading\" data-id=\"0a52339\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Understand The Costs<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a6ec81e elementor-widget elementor-widget-text-editor\" data-id=\"a6ec81e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tIf you have bad credit and need to borrow money, it&#8217;s important to understand what costs will be associated with the loan. Even though there is no universal bad credit loan, you should be aware of the costs that are involved in various loans: \t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6fa41b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"e6fa41b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">a quick cash advance (a small, short-term unsecured loan), <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">payday loans (small, short-term secured loans), <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">title loans (small, short-term secured loans), <\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">installment loans (longer-term secured loans), or personal lines of credit. These fees include application fees, processing fees, origination fees, monthly service charges, and late payment penalties.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a76e613 elementor-widget elementor-widget-heading\" data-id=\"a76e613\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Look At The Long Term Implications<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1446053 elementor-widget elementor-widget-text-editor\" data-id=\"1446053\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tBefore you take out a loan, it&#8217;s important to consider the long-term implications. Loans are meant to be paid back with interest, so you&#8217;ll be stuck paying that debt off over time. This means that even if you don&#8217;t have enough money now, your future self may not have enough income to make ends meet. If you can&#8217;t afford your loan payments or are having trouble making your monthly payments, talk to the lender as soon as possible. They can offer solutions like refinancing or adjusting the terms of your loan. It&#8217;s also important to keep in mind that many banks use credit scores when deciding whether or not to approve loans and how much people will pay in interest rates. So if you want to get approved for a car loan, credit cards, mortgages, and other types of loans (such as student loans), then building up your credit score is crucial. Your credit score is determined by looking at how responsible you&#8217;ve been in managing debts over the years this includes everything from paying on time and keeping balances low on your accounts, to applying for new credit cards only when needed.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-feab529 elementor-widget elementor-widget-heading\" data-id=\"feab529\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Set Your Expectations<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e8e7f79 elementor-widget elementor-widget-text-editor\" data-id=\"e8e7f79\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tBad credit loans can be an easy way to help pay your bills, but they come with some serious drawbacks. First of all, you&#8217;ll need to know that these loans are often much more expensive than other financing options. If you&#8217;re looking for the lowest interest rate loan possible, then a bad credit loan may not be the best option. Also, if you&#8217;re getting this kind of loan because you want to build or rebuild your credit score over time, it&#8217;s important to know that many lenders won&#8217;t report payment history on a bad credit loan until after the first year is up and the amount owed is paid off in full.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8a895c elementor-widget elementor-widget-heading\" data-id=\"d8a895c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Seek Help From A Lender If You Don\u2019t Qualify<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7275245 elementor-widget elementor-widget-text-editor\" data-id=\"7275245\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tIf you don&#8217;t qualify for most loans, then you can turn to lenders who specialize in bad credit. However, there are some things you should know before applying. For instance, those loans tend to be more expensive than other loans because the lender has to weigh the risk of lending money to someone with an established history of defaulting on payments. In addition, many of these lenders offer shorter repayment periods than other companies, so be aware that if you take out a loan from one of these places and can&#8217;t repay it within the allotted time frame then they will likely charge high-interest rates or send your account back to the lender after only six months. Lastly, make sure that you do your research on the company before agreeing to anything by checking their website and reading reviews.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9009545 elementor-widget elementor-widget-heading\" data-id=\"9009545\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Take Precautions Against Fraud<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a36a91 elementor-widget elementor-widget-text-editor\" data-id=\"5a36a91\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\tApply for a loan from your bank. Banks typically have lower interest rates and other benefits, such as availability through an ATM or branch near you. Stay away from companies that make offers by phone, email, or text message. lenders do not offer money without first checking creditworthiness. Beware of instant approval offers too; they may be designed to get your information so they can commit fraud in the future. If you are not sure about who to trust, find out which companies are members of the Better Business Bureau.\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Bad credit loans are an option for people with a low credit score who need short-term financing but have no other options, like having their car repaired or buying the things they need to start their own business. But before you apply for one of these loans, there are some things you should know about [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1061,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Apply For A Bad Credit Loan | What You Should Know Before<\/title>\n<meta name=\"description\" content=\"Bad credit loans are an option for people with a low credit score who need short-term financing but have no other options\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reddinkcredit.com\/what-you-should-know-before-you-apply-for-a-bad-credit-loan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta 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