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Guaranteed Installment Loans For Bad Credit No Credit Individuals - How To Get Finance?

guaranteed bad credit loans direct lenders

It is very difficult to obtain finance when you are going through a rough patch and your credit score has suffered due to this. Bad credit applicants usually have to resort to secured lending even if they have a good salary and a steady job. They represent a high risk to any lender, that is why most lenders require the security a collateral or a co-signer brings. Same thing occurs when you have not yet established a credit history. It is very common for young college students to find themselves in the need of finance when they have not yet established a credit history.

In this article you will find the basics on how obtain the guaranteed acceptance loans bad credit you need even if you do not have a properly established credit history yet. Read on!

No Credit Young Adults

In most states, people who are 18 years old or older are legally able to obtain finance, but this does not mean they will be able to do so. In order to obtain finance, lenders will require a credit report to look at, and in order to build that credit report, you need to obtain finance so as to establish payment records. It is a vicious circle difficult to break, right? There are some actions you can take so as to become eligible for finance even if you do not have that much desired credit record.

1) Employment history: having the means to pay back a loan is probably the most important thing. The salary is not the lender's top concern, but your ability to hold a job. Periods of unemployment are undesirable. Make sure you have been in the same job for at least a year before applying for a loan.

2) Young adults usually live with their parents, but renting a home will make it easier for you to qualify for any guaranteed bad credit loans direct lenders, specially if you have been renting the same property for over a year. In case you are a homeowner, your chances of approval will improve big time even if you do not have the back up a credit history provides.

3) It is not necessary for a person to have a good credit history, or even to have one at all, to be able to open a bank account. Doing this will not help you to establish credit history either, but it will boost your approval chances for the loan you are seeking. Having a checking and a savings account will show the lender that you are not a financial risk and that you can manage money successfully.

What is more, you will be able to request a credit card after a few months of having opened up your bank account. Chances are, you will get it. This is a great way of establishing credit records.

4) People who are over 18 years old can have bills in their name, such as gas bills or telephone bills. This does not mean that you are actually paying for them, just that you are responsible for them. This will help you when trying to obtain your first loan.

I hope you found this article useful, put this tips to use and you will be approved for your first loan in no time!

Hilary Bowman is the author of this article. She works successfully as a financial advisor with years of expertise on Unsecured Loans. Hilary publishes informative articles about home loans, credit cards, auto payday loans acceptance guaranteed, loans for people with bad credit, business loans and others at http://www.fastguaranteedloans.com

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