Whether you want online loans with no credit check, or bad credit installment loans, you’ll find both at Vivaloan.  They use a lightning-fast matching system that analyses applicable loans from hundreds of lenders to bring you loans you qualify for and can apply for today, instantly.  With absolutely no obligation! You can easily see the lowest rates on all loans you pre-qualify to borrow, which gives you flexibility and freedom to borrow whatever you need right away.

Fortunately, we have the Internet, and there are dozens of websites that update gasoline prices every day. So before you leave on your quest for bargain fuel, check the prices of gas stations on the routes you’re taking. The odds are very good that one of the stations will be significantly cheaper than the others. If you use the same route consistently, that establishment might become your best friend. By using this method, you can likely find a station that is almost always 10 cents cheaper than its nearby competitors.
Online payday loans and installment loans are both personal payday advance loans to be used when you need extra money for a short period of time. However, one of the main differences between them is the timeframe for repayment. Payday loans online are normally due in full on your next pay date, whereas installment loans come with a payment schedule that’s typically spread over several weeks or months. So, if you are considering taking out payday loans online, make sure you plan ahead adequately to repay the amounts you borrow when you get your next check from your employer.

Debt consolidation loans. The ideal option (aside from avoiding payday lenders in the first place) may be to seek a personal debt consolidation loan. The idea is to borrow money at a relatively low interest rate and use it to repay your payday loan in full, along with other high interest debt you may have, such as credit card balances. You must still repay the personal loan, of course, but the strategy is to arrange predictable (non-escalating) monthly payments that fit in your budget. Personal loans do require a credit check, but they are available even to borrowers with little or poor credit.

Check `n Go is an industry-recognized leader of innovative financial products and services. With nearly 1,000 neighborhood retail locations and an online lending portal, Check `n Go is one of the largest providers of short-term credit products and alternative financial solutions in the United States. Since opening its first location in 1994, Check `n Go has completed more than 50 million transactions and empowered consumers with practical, convenient credit options. A dedication to consumer rights and safe lending led Check `n Go to become one of the founding members of the Community Financial Services Association in 1999. Learn more at checkngo.com.

When people hear the words "bad credit" it is automatically assumed that people are irresponsible when it comes to money and handling finances. That old saying bad things happen to good people seem to fly out of the window no matter what one may apply for when it comes to loans. Have it be for a house, a car, a payday loan through a bank, they automatically look at you after running your credit report and in a nice way they tell you to get the heck out. Why is that?


By agreeing to the terms of the loan, you are agreeing to pay back the loan and pay the principal and various loan fees included in the contract. Failure to pay back your loan according to the terms of your contract will result in additional fees and penalties. All non - payment fees and other potential fees will be set forth in the Loan Agreement, and you should refer to the Loan Agreement regarding specific non-payment fees.

If you are aware of online direct deposit loans, it is very likely that you also have heard of “direct deposit loans in minutes from direct lenders”. It is both a good advice and a warning at the same time. Firstly, it is a good advice because as a borrower you should always do business with trusted direct lenders while taking out direct deposit loans the same day. And it is also a warning not to get swayed by statements like 1 hour direct deposit loans in minutes from loan matching services. Because the biggest truth you must know about the same day deposit payday loans from direct lenders is that the approval is instant, and the fund transfer to your account follows it, but it takes up to 1 business day to get the cash in your account. On the part of information, direct lenders like InstallmentLoanz would come clean where the matching services would always trick you. Apart from that, for low interest rates, data security and better services, you must always choose a legitimate lender for direct deposit payday loans.

Once a client chooses a loan option and lender they usually are directed to fill in a short online application with personal information and bank information. Some online lenders may require proof of age, location, or income. An individual can scan, or photograph their identification, and download their last bank statement, and can submit it via fax or email. Generally after your lender has approved a new loan, then a direct deposit for either the same business day or the next business day, and an ACH withdrawal for the agreed upon due-date of the loan. The client can usually access their funds the next business day, although it may take slightly longer depending on the client’s personal bank. At the end of the loan period, usually two weeks or one month, the original loan amount, along with the agreed upon fees and interest, is automatically debited from the clients account. This protects lenders in Hunters Creek, Florida from clients who might default on their loans. Many payday loan services allow the client to extend the length of their loan, for another service fee, in order to prevent the automatic withdrawal from overdrawing their account on the due date.


InstallmentLoanz is one of the ethical and trustworthy online direct lenders in US that offers no telecheck installment loans with guaranteed approval. We as a no teletrack direct lender with no third party or brokers providing you with an easy, convenient and direct way to borrow quick cash in 24 hours. Unlike direct lender payday loans with no teletrack, our online installment loans not only provide you with larger sum upto $1000 quickly but allows repayment flexibility. Meaning, you can pay back your installment loans no telecheck in smaller increments through fixed monthly payments. Hence, our loan products are also known as flex loans without teletrack. Besides, the approved loans through us can be used for any personal financial emergency- car repairs, home renovation, utility bills, education, medical care, vacation, one-time big purchase, debt consolidation, etc.
The Otoe-Missouria Consumer Finance Services Regulatory Commission is the regulatory agency solely responsible for regulation of American Web Loan. American Web Loan is a tribal lending entity wholly owned by the Otoe-Missouria Tribe of Indians, a sovereign nation located within the United States of America. American Web Loan is licensed and regulated under the Otoe-Missouria Tribal Consumer Financial Services Ordinance.

Ya, I like Vivaloan. I borrow off them maybe once every 2-3 months , because my work is kinda up and down and I don’t always get enough hours. I usually borrow 500 bucks but my sister was complaining she wanted $5000 and couldn’t get it here and they only offered her $1,700. I think its because she is on welfare and food stamps. She should stop bitching and be glad that Vivaloan would even consider lender her anything at all. I have never needed to borrow more than $1000 here but I called customer service one time to discuss my options and mentioned my sisters complains, and they said that while they couldnt comment on another customers situation, the hypothetical reason would be that repeat customers build trust here, regardless of the SOURCE of their income, and that a new customer in the situation i described would not just be given $5000, especially as they do not check credit referencing agencies. She went on to tell me that I am now eligible for larger loans here should I ever need them, as a valued customer, because I have proven myself by borrowing and repaying several smaller loans. She also informed me that my credit score is now 702, and just 18 months ago it was 553!!!


Auto Title Loans. Again, they are illegal in many states. But if a lender meets the law regulations and if they are licensed, we can’t say that they are entirely illegal. However, we can say that they are not a great deal, because, like with payday loans, you receive an offer with a high APR and in addition, you put your car at risk. These days, there are many ways to avoid them.
Should any cases of late payment or non-payment occur, a lender is entitled to imply penalties that have to be disclosed in a loan agreement. Such actions as renewal, which has also to be disclosed in any agreement, are implied upon given consent, with additional charges and fees. All the practices concerning debt collection are provided in Fair Debt Collection Practices Act regulations and other state and federal regulations aimed at protecting consumers from unfair lending and borrowing practices. Most credit providers, however, do not resort to collectors' services and prefer to return the debt without any external assistance. Such breaches of the contract as late payment or non-payment may result in downgrading borrowers' credit score since lenders report indebtedness to Experian, Transunion or Equifax, where records remain for some time.
If you’re in a short term financial jam, you’re at the right place. By filling out an application on Spotya! we provide the resources to get you funded fast. Why jump from lender to lender only to get turned down? Spotya!’s been providing no credit check payday loan services since 2002. If you run into that unforeseen expense such as a broken-down car, broken water heater, or maybe you lost hours a few at work whatever the case we have you covered. Why pay overdraft or late fees when you can have a no credit check payday loan? Our lender has the latest technology to make a loan decision in minutes and get you the cash fast. Apply now, and you’ll see the simplicity of the process. 
With an installment loan, you’ll not only have a significantly lower interest rate, but you’ll be able to make regular monthly payments and be more likely to stay on track. Plus, those regular payments can also help you boost your credit score when you make them on time each month. This can help ensure you’ll have an easier time finding the financing you need in the future.
Cash advances also don’t qualify for the interest fee grace period that applies to most new purchases, meaning each cash advance transaction will start accruing interest as soon as it posts to your account. On the plus side, as long as you make at least the minimum required payment (though more is better), you can pay off your cash advance at your pace.

Are you looking to establish or rebuild your credit? Whenever we offer short-term loans in Houston, TX, to our customers, we report their on-time payment to all three credit bureaus – Equifax, Experian, and TransUnion, which in turn can improve their credit score. Many of our customers borrow from us repeatedly because we focus on providing them not only a great rate on loans but excellent customer service as well. Customer satisfaction is our top priority!


A recent law journal note summarized the justifications for regulating payday lending. The summary notes that while it is difficult to quantify the impact on specific consumers, there are external parties who are clearly affected by the decision of a borrower to get a payday loan. Most directly impacted are the holders of other low interest debt from the same borrower, which now is less likely to be paid off since the limited income is first used to pay the fee associated with the payday loan. The external costs of this product can be expanded to include the businesses that are not patronized by the cash-strapped payday customer to the children and family who are left with fewer resources than before the loan. The external costs alone, forced on people given no choice in the matter, may be enough justification for stronger regulation even assuming that the borrower him or herself understood the full implications of the decision to seek a payday loan.[23]
Although I am in a much better more stable financial situation now, I am so thankful that I was able to get the money I needed so fast. As someone with fairly bad credit, I didn’t have anywhere else to turn. The lender I got the immediate cash loans from, didn’t perform a credit check, and I was pretty much approved for it almost instantly. I really don’t know what I would’ve done if I hadn’t have gotten the urgent loan. I paid back the money I borrowed on time with my next paycheck, so there weren’t any issues whatsoever.

CIBIL Score and Repayment History: Insta Loan requires that the applicant should have a CIBIL score of more than 750. CIBIL Score denotes a person’s credit usage and repayment history. The better a person has utilized their loan and credit card facilities, i.e. did not have remained overburdened with multiple loans, did not had a history of revolving credit and a record of timely repayments without defaulting on any payments will have a high CIBIL Score, in comparison to a person who has failed to achieve this. A good CIBIL Score (750+) denotes that an applicant is credit-worthy and if allotted the loan, will be timely with the repayments.

Wizzcash are a fully FCA authorised lender. Furthermore, we are also a broker, so if we can’t provide you with a 3 month loan we will link you to a panel of consumer credit companies who may be able to help you, furthermore providing you with information in regards to improving your credit score. We do not charge upfront fees, and our interest rate, or APR, is currently 1265% (true as of 02/04/19).
Direct lenders that we have partnered with can approve your long term loan in minutes and fund it as soon as tomorrow guaranteed. This means you don't have to wait days to receive a credit decision and then wait some more to get your cash. This fast funding gets money into your account quickly to help you meet your obligations and get on with your life.
Graduate and professional students enrolled in certain health profession programs may receive additional Direct Unsubsidized Loan amounts each academic year beyond those shown above. For these students, there is also a higher aggregate limit on Direct Unsubsidized Loans. If you are enrolled in a health profession program, talk to the financial aid office at your school for information about annual and aggregate limits.
A mediocre effort will invariably produce mediocre results – which is fine if you are satisfied with “good enough”.  Are you happy with your “good enough” lender?  In the wonderful world of personal financing a fraction of a percentage point can mean big savings-or paying more than you want to.  Are your current repayments “good enough”, “okay” or “above average”?
For more than a decade, Mypaydayloan.com has helped people with less than perfect credit get the money they need for emergencies or to help make ends meet between pay periods. We have had the pleasure of providing rapid cash online and short-term loans to thousands of customers who would have been unlikely to receive financial assistance from traditional banks due to their low credit scores. Even if you have bad credit or even no credit at all, you can receive instant approval for a payday advance loan from Mypaydayloan.com. Learn how to get a safe payday loan or cash advance online even If you have bad credit through our ACE cash advance program. 
When the loan comes due, the borrower either pays off the loan, allows the lender to cash the post-dated check, or writes another post-dated check to cover the amount of the loan. Many borrowers run into financial trouble with these kinds of loans when they can’t pay them off when they first come due. Each time the borrower extends the loan, more fees are tacked on.
indylend.com is not a lender and we do not check your credit standing and credit capacity. When you submit a request at our online platform, this is considered a soft inquiry and does not impact your credit score. However, some lenders may carry out a credit check to ascertain your eligibility for a loan. Most likely they will turn to any of the three major credit bureaus (Transunion, Experian and Equifax) that is in most cases considered a hard inquiry and may affect your credit score.
The Platinum Card from Navy Federal Credit Union offers a 0% introductory APR for 12 months on balance transfers (after a 7.49% and 18.00% Variable APR). Note: This offer expires on Jan. 2, 2020. Since Navy Federal is a credit union, membership is required to open this card. You can qualify if you or one of your family or household members has ties to the armed forces, DoD or National Guard. Find out more about membership qualifications on Navy Federal.

As the name suggests, fast payday loans are small, short-term loans (typically up to $1,000), which are made to the borrower and repaid on the following payday. Taken for unexpected expenses and medical emergencies, these loans intend to bridge the borrower’s cash-flow gap between paydays while helping them avoid expensive late payment penalties and late fees on NSF checks. Also referred to as paycheck advance or cash advances, the nature of these loans does not require any collateral or security deposits. (TIP: never provide a security deposit for any loan)
A payday loan is a short-term, small cash advance typically for amounts between £100 & £1000 repayable in either 4 or 6 monthly instalments. The payday loan application process is designed to only take a few minutes and is entirely online with no forms to print off or post. Direct payday loan lenders, like Uncle Buck, can give you a quick decision in minutes, and if approved, transfer the funds into your account within 15 minutes.
Learn the basic process of a payday loan. A payday loan is generally a small loan (usually $300 to $1000) that you pay off at your next payday, which is normally two weeks or a month after you take out the loan. To get the loan, you fill out an application and give the company a check for the amount of the loan, plus the fee that they charge. On the assigned payment day, the company will cash your check and your loan will be paid off.
Once you have completed the application, you will be instantly approved within a matter of mintues. The money is yours to do as you please. You will receive all your loan information in a follow up email. This email contains your approved loan amount, your payment amount and the expected due date. The best part about these loan types is that we offer extended payment plans. If you borrow more than half of your next paycheck and know that you cannot repay all the funds, then let us help. Express Loans Of America can offer you a one time extended payment plan. This will allow you another 30 days to completely pay off your borrowed funds. Instead of spending your paycheck on unnecessary items, repay your payday loans. Once your borrowed funds are completed, you will now have the option to apply again for another loan of your choice. This option has helped out many families and other customers. The sky is the limit and we can help you get there.

Terms, fees and APR differ based on the loan for which you qualify. For payday loans, use the sample loan calculator here to review terms, APR and fees. The DBO sets payday loan fee requirements. As a licensed payday lender in California, Check Center complies with all DBO requirements related to payday loan fees. Our payday loan fees as mandated by the DBO, including the fees expressed as APR, are available in chart form by clicking here.
Residents of these states: West Virginia (WV), Vermont (VT), New York (NY) and Arkansas (AR) may not apply for some short term loans and are not eligible to use this website or service. Residents of these states are entitled to online payday loans: Alabama (AL), Alaska (AK), Arizona (AZ), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), North Carolina (NC), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Virginia (VA), Washington (WA), Wisconsin (WI), Wyoming (WY). The list of states may be changed without notice. There is no guarantee that you will be approved by any participating lender or will be matched with a potential one. We do not endorse offers prohibited by any state law. In case a client is matched with a lender, a loan is offered on the terms defined in the online form. Some credits checks may be required via credit bureaus in order to decide on a client's creditworthiness and the range of financial products to be offered. A participating creditor may need to carry out some additional examination, such as your social security number or your national ID or any other identification papers. Different companies may have different financial products to offer as well as their terms and conditions may vary, too, depending on the state a potential client resides in and his or her solvency.

Easy payday loans can be a great way to get money fast when needed. Anyone can have a sudden financial problem in their life and when you don´t have enough savings to cover emergencies, easy loans might be the only option. They should also be the last option and only taken when really needed. If the loan will help you avoid money problems, give you a better health, help with urgent day to day necessities or ensure you can continue working, it is worth it.

Sometimes you need money quickly, so it’s good to work with a lender that understands time is precious. Online lending is taking over the personal loan game – not only is it easier, it’s also much faster. In many cases, you can even receive instant approval for certain personal loans online. Instant loans and instant credit cards are a relatively new thing. While many people may be used to receiving instant approval for credit cards, fewer borrowers understand that you can also find lenders who offer the same feature for personal loans.
A direct lender's payday loans process is completely online and 100% secure when it is us! You can access our 3-minute online application portal 24/7 from the convenience of your home through your PC, laptop, tablet or mobile device. Besides, applying for instant payday loan online with CashatPayday is convenient because in contrast to the requirements for both guaranteed installment loans online from direct lenders and personal loans from banks, our faxless cash advance requirements are comparatively relaxed and reasonable.
A report from the Federal Reserve Bank of New York concluded that, "We ... test whether payday lending fits our definition of predatory. We find that in states with higher payday loan limits, less educated households and households with uncertain income are less likely to be denied credit, but are not more likely to miss a debt payment. Absent higher delinquency, the extra credit from payday lenders does not fit our definition of predatory."[22] The caveat to this is that with a term of under 30 days there are no payments, and the lender is more than willing to roll the loan over at the end of the period upon payment of another fee. The report goes on to note that payday loans are extremely expensive, and borrowers who take a payday loan are at a disadvantage in comparison to the lender, a reversal of the normal consumer lending information asymmetry, where the lender must underwrite the loan to assess creditworthiness.
We offer payday loans for any purpose. Within reason. We're a 100% online service and aim to provide loans via the quickest and easiest method possible via our matched direct lenders. We're even listed as the top operator on the Readies no credit check lenders page. Our payday loans are ideal should you need a short term cash influx until your wages arrive next month. Our loans can be used for all sorts from home improvements, to car repairs to paying that unexpected bill which has just landed on your doorstep. Or you can choose to simply treat yourself to something you've been wanting and don't want to wait until payday. The choice is yours. All we ask is that you pay back the loan within the time specified when you accept the loan offer. All loans will be transferred direct to your bank. We aim to provide a quick and easy service with no complicated forms to fill in or hidden fees. We do not charge you for this service; however, we do receive a commission from the lender or broker that we pass you on to. This amount is variable.
Direct online payday lenders are more willing to lend money to customers with bad credit than the banks. If you do have a bad credit history, it ought to be of vital importance to you to avoid any third party standing between you and the lender. Although online lenders provide bad credit, which are frequently more expensive than similar loans lent to customers with good credit score. The extra cost is a result of additional risk taken on the part of the lender. Consequently it is much easier to get a loan, but you simply have to pay a bit more if you have bad credit history.

There are mayby many reasons why you didn’t get approved for a loan. While short-term loans are designed for people with bad credit, you still have to be able to afford the loan. Often, people are rejected because their financial situation simply can’t support the quick turnaround and high repayment of a short-term loan. If you need money quickly, Consider our 10 Top payday loan alternatives.
When you need a short term loan, you need it in a hurry. If those bills have suddenly got a bit too steep to manage or something very important in your life has broken, you need that cash as quick as possible. At LoanPig, we know that only too well. This is why we’ve tailored our online application process to be fast and stress-free. Start by using our sliders to determine how much you want to borrow, and over what time period – you’ll see we calculate the interest for you in real time. With that, simply click Apply Now.
CIBIL Score and Repayment History: Insta Loan requires that the applicant should have a CIBIL score of more than 750. CIBIL Score denotes a person’s credit usage and repayment history. The better a person has utilized their loan and credit card facilities, i.e. did not have remained overburdened with multiple loans, did not had a history of revolving credit and a record of timely repayments without defaulting on any payments will have a high CIBIL Score, in comparison to a person who has failed to achieve this. A good CIBIL Score (750+) denotes that an applicant is credit-worthy and if allotted the loan, will be timely with the repayments.
How long does it take to process the loan? Some of the best short-term loans ensure that you have access to the approved funds the following business day. A limited number of lenders provide prepaid debit card loans which can give you access to funds quickly after approval by transferring the amount to your eligible card. You can then use the money anytime and anywhere.

Small loans can be a huge help when you need a hand with a sudden or unmanageable expense — or just need to keep the lights on — but they should be used with caution. A loan that is paid back in full, and on time, can be a boon to your bad (or growing) credit report. At the same time, making late payments, or missing payments entirely, can make bad matters worse. Always keep an eye on your payments and due dates to make sure you get the most out of your small loan.


As with auto loans, home loans are secured loans, with the intended property acting as collateral against default. With typical periods of 15 and 30 years, mortgages have the longest terms of any other type of consumer loan. Both the secured and long-term nature of a home loan are reflected in the average interest rates, which range between 4.5% and 5.5% for those with questionable credit.
Because we’re a payday loan direct lender, Mypaydayloan.com makes it incredibly simple to get instant payday loans or quick cash loans with bad credit. With our online application process, you can get started in less than 5 minutes! Just give us some basic information about yourself and your lending needs, and we can present you with a number of different loan options. Find out how to get a fash cash advance in minutes here.

Our lenders “go the extra mile” to provide better personal loans with no credit check for every customer – they won’t penalize bad credit but you could be penalizing yourself if you don’t at least see how much more manageable your cost of borrowing can be.  You will qualify for APRs that are the lowest available for your background anywhere online – and this represents substantial cash savings on all options and lowered costs for borrowing.
If you already have a title loan with one of our competitors, then there’s good news for you, too. We may be able to refinance your title loan with TitleMax® and get you a competitive interest rate in the process! That means in most cases we can pay off your other car title loan and save you money on your new, smarter loan! And you can start the process of getting your title loan online!
Is there anything worse than having an unexpected accident occur when you don’t have the resources to fix it? The good news is that you don’t have to wait until your next paycheck to solve the problem. Whether you need to pay for a car repair or you have to purchase a new outfit for an important work event, a same day cash advance loan can get you anything you need, whenever you need it. Looking for online loans with monthly payments? Learn more here!
The pulling force because of which the lenders can make the processing fast is the internet. Lenders nowadays do the entire loan processing online which saves a lot of time and effort of both the lender and the borrower. If you are eligible for the loan and have submitted the documents properly, it takes just a few minutes to get an e-approval on your loan.
Technically, there are no physical document checks (where you have to sign on a series of loan documents) – document verifications are done digitally. Note that while such is the case, physical verification may sometimes be necessary if the applicant’s credit profile isn’t up to standards. This, however, does not happen in the case of all applicants.

Trying to find a new auto loan, or probably you just need some short-term cash money to pay expenses or an emergency situation loan for some various other reason? We NEVER charge for late settlements, letters, early settlement or anything else. We do our best to provide our customers with the finest offers tailored to their individual demands thinking about their existing economic circumstance. Our requirements for a living have actually likewise revolutionized. By checking out their credit rating, it permits us to see if they've stayed up to date with their very own costs in the past.
Identifying fair lenders of personal loans for people with bad credit is difficult for an individual. Our service connects you with honest lenders who give bad credit personal loans, care about you, respond to loan request fast and guide you through the process. They will also disclose clearly the fees and charges before you accept the offer. So, you are able to make a sound decision taking in account your current income and the loan repayment plan.
Premier America is unique because it has the Student Mastercard® from Premier America CU that’s eligible for the intro 0% for 6 months on balance transfers, though credit limits on that card are $500 – $2,000. There is an 11.25% Variable APR after the intro period. There’s also a card for those with no credit history – the Premier First Rewards Privileges® from Premier America CU, with limits of $1,000 – $2,000 and a 19.00% Variable APR. If you’re looking for a bigger line, the Premier Privileges Rewards Mastercard® from Premier America CU is available with limits up to $50,000 and a 8.45% - 17.95% Variable APR.
In 2019 the popularity of installment loans for bad credit increased, and now more and more lenders are moving away from payday loans and are instead offering installment loans to customers. For us, it’s a no brainer. Installment loans are simply easier to repay. Unlike payday loans where you have one huge balloon payment due by your next paycheck, installment loans offer you the choice to have longer loan terms so you can have smaller monthly payments. For many Americans, this is a much safer option than having to pay one huge lump sum by their next paycheck!
Credit checks also consider the record of anyone with whom you have a financial link. If you for example have a joint account with your partner or anyone else, and that other person has a poor credit history, then this could adversely affect your own chances of being accepted for a loan. This is because the lender may assume that you pay the other person’s bills, and that this could place additional strain on your own financial affairs.
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