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bad credit loans are offered to people with bad or less than perfect credit scores. this bad credit score can be due to past missed repayments or money troubles. usually, people with bad credit are posed as risky borrowers in the eyes of the lenders. this makes it more difficult for them to have access to loans. due to this reason, the borrowers are offered specialized products, i.e. bad credit loans. bad credit loans can be used for several purposes, such as emergency expenses, sudden car repair, debt consolidation etc. many people avail bad credit loans to improve their credit score for these reasons. these loans usually work as credit builder loans. if the borrower is able to manage their debt responsibly, it positively impacts their credit score. as a lender, we focus on your current financial situation that ultimately dictates your repayment capacity. a bad credit loan functions in the same manner as any other loan. the money borrowed has to be returned over several months, al