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Trying to get a personal loan and have bad credit? Well, its not impossible. Personal loans for people with bad credit are a high risk. Most people seeking personal loans borrow the most they can and plan on making only minimum payments. This is a bad thing to do. What you need to do is plan out how much you can afford monthly, and go from there. Pay more than the minimum amount needed so the loan can get paid off faster. The faster you pay off the loan, the BETTER it will be.