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Qualifying for a personal loan isn’t easy with bad credit, but there are options out there for you. Before you take out a loan ask yourself some basic questions to make sure that you choose the right product for your needs:

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Personal loans are a type of unsecured loan offered by banks, online lenders, and other financial institutions. Unlike mortgages and auto loans which are secured by the purchased item (house and car respectively), personal loans generally require no collateral.

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With personal loans, funding is distributed in a lump-sum payment. When you receive your loan, you’ll receive the entire amount at once and begin paying it back in monthly installments.

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