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Another option is the unsecured loan, in which case the lender relies more on job stability, salary, and a formula referred to as debt to income ratio. This reveals whether or not a borrower sufficient funds left over after existing obligations are met to handle the additional monthly payment. A quick search on-line will reveal an astounding collection of lenders in position to assist the borrower in acquiring a personal loan with bad credit. Take sufficient time to shop around for the best rates and repayment terms, and make sure the personal and financial information submitted is not only accurate, but transferred in a secure manner with reputable and sympathetic lenders. [link widoczny dla zalogowanych] Poor credit members might also apply for these loans. Our panel of lenders Â â by mentioning that they work with âa panel of lendersâ on their site suggests that they are not a direct lender but a middleman who can put you in touch with direct lenders. By understanding the terminology a bit better, you will be able to differentiate between a payday loan broker and lender.