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Guaranteed Installment Loans For Bad Credit This type of loan might offer lower amounts stretched over a shorter period of time, but it is the best option for you if your financial situation is not what you would call steady. While availing the loans, the lenders do not make any bias on the basis of your financial stats and credit profile. If you are considering taking out one of the unsecured personal loans for bad credit, you may want to start by understanding what this type of loan is and what it can do for you. To apply for an online loan all you have to do is fill a simple form, and get the loans approved with ease, generally lenders do not have a lengthy procedure, and you need to mail or fax some documents if necessary and the fund is directly deposited into your account. Same day loans carry little bit higher interest rate, because of its short term nature of finances. 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