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When we had Buckley check out his credit score with Equifax, and the other credit bureaus, we discovered that his FICo score was 660 – not all that bad, but not amazingly great either. CertainlyÂ for a personal loan that isnt secured with some form of collateral, he will be paying a higher APR than he would like. If he got a co-signerÂ who has a stellar credit rating (highÂ FICOÂ – 700 +), he could get much lower rate. In this case he took our advice and did find a co-signer, soÂ below we show you the breakdown of the loan agreement he got with his bank. [link widoczny dla zalogowanych] You can apply for another loan 72 hours after applying for your initial loan. Please be sure to disclose the fact that you have already applied for a loan when working with a lender to obtain a second loan. Spot Loan My Account The mode for applying for short term installment loans and monthly payment loans for bad credit is online. You will find the application form right here at our website. The approval time for the loans is never more than 2-3 hours.

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