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How to fix credit in order to get a better loan . The best way to get better terms and rates on a personal loan is to improve your credit. And while there’s no quick fix for bad credit, even.

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Many financial planners, myself included, group debts into two broad categories — good debts and bad. are no other debts I know of where your payment can be reduced due to your income without an.

If you have bad credit and no job, it can be more difficult to get approved for an auto loan. If you have the money to buy a car with cash, you can go about the car buying process as usual. But if you need auto financing, it will be more challenging to get approved. For starters, bad credit makes it.

While you may not need to be employed, you still may need to have a regular income to apply. This is a common criteria for personal loans, so if you’re receiving welfare payments or have investment income, be sure to list that. Your credit rating. Lenders are often able to look beyond negative marks on your credit report.

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