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If you have a bad credit record and a poor credit score, being approved for a loan with decent terms, or even simply getting a loan in the first place, can be very challenging.

Any option presented to you as a fast and easy solution will most probably be so only on the surface. Bad term loans (loans with a very high interest rate or fees) are made readily available to bad credit borrowers, but you can't use these loans to consolidate your debt, since an essential requirement of a debt consolidation loan is that the terms on the new loan must be better than the ones on your current debt.