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Nowadays there are many lenders who offer Personal Loans for people with bad credit, no credit or even bankruptcies on their credit histories.  It is widely known that credit score is essential when it comes to loan approval.  Remember that for these lenders the income requirement is essential since they want to make sure that you’ll be able to give them your monthly payments.  If you are a bad credit applicant, you need to expect higher interest rates and lower loan amounts.  Anyway, in case the monthly payments are too high for you to afford them, you can require longer repayment programs so the loan installments are greatly reduced.