does anyone know about a bank that does bad credit personal loans- on the net?

To get your best chances of approval for your bad credit personal loan, you should do some homework first. Yes it will take time and effort, but the benefit of doing this could pay off in spades for you. You first need to get a copy of your credit report from each of the three major credit reporting agencies. When you get it, review it carefully and file a dispute for any items that are not completely accurate. The majority of consumer credit reports contain errors, and once you go through the process to get those errors corrected, your credit may not really be as bad as you may think it is.

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But without collateral, think about it – what is there about your situation that would make a lender feel comfortable in taking on what appears to be a high risk customer for them, based on the information they are seeing in your credit report? Or to put it another way, would YOU loan money to you? Even if you do get approved, chances are better than excellent that the interest rate is only going to be one click lower than highway robbery, which again reflects the risk that the lender is taking on you.