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Bad Credit Loans

Bad Credit Loans

  • Credit scores of 500 or less
  • Debts to credit card companies
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Personal Loans

Personal Loans

  • Buying a new car
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Debt Consolidation

Debt Consolidation

  • Roll together bad debts
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Recent Loans

Unsecured Bad Credit Loan in Houston, Texas

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Unsecured personal loans with bad credit are probably the most difficult loans that we help clients to get, in Houston and elsewhere in Texas. These loans provide so many challenges that we often turn clients down from even attempting to find them. This client, though was able to convince us to set aside the challenges and attempt to find a loan for them for $15,000. The thing about unsecured bad credit loans is this – the bank has every sign pointing to you being a bad borrower. These clients have shown in the past that they are irresponsible with money and unable to adequately pay back loans. They’ve also shown that they don’t have any assets to their name, so if the borrower is to default, the bank can’t recuperate any of their losses. Basically, it’s a losing bet. This is the kind of risk that lenders are trying to hedge themselves against by providing personal loans in the first place.

The personal loan market is a fairly safe one for money. People don’t often go bankrupt in America. There are too many safety nets in place for a person to have an easy time going fully bankrupt. This is one of the reasons why the personal loan market for smaller denominations of money is often perceived as safer than, say, investing in start-up businesses. Providing an unsecured loan, then to a client with bad credit completely goes against the principles that guide the entire personal loan market. Credit is what provides a large amount of the safety of personal loans, it tells lenders that you are reliable. Bad credit shows that you are not. It’s a very difficult balance that is broken down in this situation.

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