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Using a secured credit card responsibly can help you build or rebuild your credit, which may make it easier for you to qualify for a credit line in the bad future. Wait for approval: The lender will review your application and determine whether you are approved for the bad loan. The borrower can borrow as much or as little as they need, up to their credit limit, and can repay the bad loan at their own pace.

This is especially convenient for those who have busy schedules or live in rural areas where access to traditional lending institutions may be limited. Check out reviews and compare terms and fees from several different lenders before you decide which one to use. These might seem like a good idea because they come to you, but they can actually be risky.