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MATERIAL DISCLOSURE: [link widoczny dla zalogowanych] Big banks are an obvious option, but their approval rates can be much lower than for often-overlooked alternatives such as small, local banks or credit unions. This is partly because they attract more applicants. But be prepared for a potentially less personal and less flexible approach. The APR for a fast cash loan can range from 220 percent to 2,320 percent depending on how exactly that rate is calculated as well as other variables including the loan term, loan renewal options and any fees that are incurred (nonpayment, late penalties, etc.). Please note that the annual percentage range is not the same thing as your finance charge, which your lender will disclose to you at a later juncture in the loan request process.
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A: The best alternate for borrowing in case you have bad credit is the Pell Grants program. Remember that as compared to a loan, a grant is free money which you don't have to pay back after you have graduated. The best thing about this program is that it is supported by the federal government so applying for it is quite easy. However, the decision of how much Pell grant would be adequate for your academic needs is based on the state of your financial condition. [link widoczny dla zalogowanych] Bad Credit Loans Provide Financial Relief During Stressful Times More Information