Author: Melissa Kellett 作者：梅利莎奇 Article source: http://www.articledeshboard.com/ . 文章來源： http://www.articledeshboard.com/ 。 Used with author's permission. 用作者的許可。 If asked, a lender would state that bad credit history equals to an illness and that's the reason why they seem to run away from bad credit applicants.如果有人問，貸款人會指出，不良信用記錄相當於一種疾病，這是為什麼他們似乎離運行信用不良的申請人。 Loan applications filled by people with a bad credit score or history are usually declined without much thought.填寫申請貸款的人一個壞信用評分或歷史通常是沒有多少下降思想。 However, not all the lenders make this kind of mistakes.然而，並不是所有貸款人提出這樣的錯誤。 Past, Present, Future 過去，現在，未來 The truth is that many lenders are aware that people who currently have bad credit used to have good credit or even excellent credit and for unexpected situations their ability to obtain finance was heavily compromised.事實是，許多貸款人都知道，人誰目前有信用不良者使用有良好的信譽，甚至良好的信用和對突發情況的能力，獲取資金嚴重損害。 Past financial mistakes should not determine once financial future as long as people learn from those mistakes and that's what more and more lenders are beginning to understand.過去的財政錯誤不應該確定今後一旦金融，只要人們了解這些錯誤，這就是越來越多的貸款人開始理解。 Secured Or Unsecured Loans 有擔保或無擔保貸款 There are many online lenders dealing with bad credit personal loans.有許多網上銀行處理不良信貸個人貸款。 This kind of loans can be secured or unsecured.這種貸款可擔保或無擔保。 Unsecured loans do not require collateral but often carry higher interest rates due to the high risk involved.無擔保貸款不需要抵押，但往往執行較高的利率由於高風險。 Secured loans carry lower interest rates and require collateral.擔保貸款實施低利率，並要求抵押品。 Thus, you should only request a secured loan if you are certain that you will be able to afford the monthly payments.因此，您應該只要求擔保貸款如果你確信，你將能夠負擔得起每月付款。 Since the collateral guarantees the loan, you are risking the asset and the lender can claim his money by use of the legal action of repossession.由於抵押擔保的貸款，您有可能的資產和貸款人可以聲稱他的錢用法律行動的收樓。 Uses And Benefits 用途和好處 The uses of bad credit personal loans are variable, ranging from going on vacations, buying a car, and most commonly debt consolidation.利用個人信用不良貸款是可變的，從去度假，購買汽車，以及最常見的債務合併。 Specially when used for eliminating debt by paying off bills and credit card balances, Bad Credit Personal loans will contribute to raise your credit score and improve your credit history.使用時，專門為消除債務的回報票據和信用卡餘額，個人信用不良貸款將有助於提高您的信用評分和改善您的信用記錄。 The timely monthly payments will be recorded into your credit report, enhancing your credit situation till you can acquire a good credit tag.及時支付每月將記錄到您的信用報告，提高您的信用狀況直到你能夠獲得一個良好的信用標記。 Co-signer 聯合簽字 A way to make sure a lender will approve your Bad Credit Personal Loan is applying with a cosigner, especially if he or she has a better credit score and history.一種辦法，以確保貸款人將批准您的個人信用不良貸款申請了cosigner ，特別是如果他或她有一個更好的信用評分和悠久的歷史。 This way, the lender will take into account the co-signer credit report when deciding whether to approve your loan or not.這樣一來，銀行將考慮到共同簽字的信用報告時，決定是否批准你的貸款或沒有。 The risk involved for the lender will be significantly lower because the co-signer will also be responsible for paying the monthly installments if you fail to repay on time.涉及的風險的貸款將大大降低，因為共同簽字也將負責支付每月的分期付款，如果您未能按時償還。 Interest Rates 利率 Interest rates are usually higher when it comes to bad credit personal loans, however they are usually lower that credit card's interest rate, which makes them a better source of finance.利息通常較高時，對信用不良個人貸款，但他們通常低於信用卡的利率，使它們更好的資金來源。 Also, there are many options available out there, so do not settle for the first proposal and ponder what each lender has to offer you.另外，有許多可供選擇的，所以沒有解決的第一個建議與思考每個貸款人向你提供。 Be aware that variable interest rate, though it is usually lower than fixed interest rate, can vary according to market conditions' changes and you may end up having to pay higher monthly installments if the market situation worsens significantly.請注意，可變利率，儘管它通常是低於固定利率，可根據不同的市場條件'的變化，你可能最終不得不支付更高的每月分期付款，如果市場狀況顯著惡化。 Online Lenders 網上貸款 The wisest thing to do is to search online, there are many online lenders offering very reasonable interest rates and you will be able to get quotes from them and compare rates and fees before making a decision.最明智的事情是搜索網上，有許多網上銀行提供非常合理的利率，你將能夠獲得他們的報價比較利率和費用，然後作出決定。 Melissa Kellett is an expert loan consultant who can help you get approved for Guaranteed Bad Credit Loans and Personal Loans .梅利莎奇是一個專家顧問貸款誰可以幫助您獲得核准的保證信用不良貸款和 個人貸款 。 Just visit www.speedybadcreditloans.com/ where you'll find all the information you need.只需訪問www.speedybadcreditloans.com/在這裡您可以找到所有您需要的信息。 | 
