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Payday lenders made about $49 billion in high-interest loans last year. More than a third of those loans were made online. I wondered what happens when you apply for such a loan, so I decided to find out. bad credit installment loans direct lenders certainly are an approval for the people who have no credit credit rating or poor. Lenders who focus on bad credit installment loans direct lenders offer all these. The advantages of the particular loans are that financing is applied for by you without needing to wait forever to get accepted and also you may get it fairly fast. A number of these loans may also be called cash advance loans or immediate loans, advances and also you get the money into your own bank account in several hours. You dont even have to be concerned about your credit that is poor as other methods are used by these lenders for qualifying the borrower. In addition, there are no long forms to fill and the cash immediately and also get also you may also apply online. A: Why a bank demands cosigners before approving a student loan is because it provides some kind of guarantee and security that a student will not default on his or her loan payments. Cosigners must therefore have a good credit history to reflect their creditworthiness. Bad credit cosigners may be accepted in some cases, but this will lead to a higher interest rate in the loan.