{"id":8181,"date":"2023-03-08T12:28:06","date_gmt":"2023-03-08T12:28:06","guid":{"rendered":"https:\/\/dollarhand.com\/?p=8181"},"modified":"2023-03-08T12:28:06","modified_gmt":"2023-03-08T12:28:06","slug":"can-you-get-a-loan-if-your-credit-score-drops","status":"publish","type":"post","link":"https:\/\/dollarhand.com\/guides\/can-you-get-a-loan-if-your-credit-score-drops\/","title":{"rendered":"Can You Get A Loan If Your Credit Score Drops?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Yes, if you have a low credit score it is entirely possible to get a loan but it may be more difficult and expensive. A low credit score can be a red flag to lenders that you could be a risky borrower, and they may be hesitant to offer you a loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">According to <\/span><span style=\"font-weight: 400;\">Experian\u2019s 2015 Vantage Score 3.0 data<\/span><span style=\"font-weight: 400;\">, nearly a third of Americans have a credit score lower than 601, which is considered \u2018bad credit\u2019. While a low credit score can make it more challenging to get approved for a loan, there are still options available, which this article aims to outline.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>What Is A Credit Score?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/www.usa.gov\/credit-reports#item-213816\">A credit score<\/a> is a numerical rating that determines your creditworthiness and indicates how reliable you are in your financial dealings. It is based on your credit history and is regularly used by lenders to determine the likelihood of you repaying back a loan on time. <\/span>The scoring typically range from 300 to 850, with a higher score representing a more trustworthy borrower.<\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-4990\" src=\"https:\/\/dollarhand.com\/wp-content\/uploads\/2022\/07\/credit-score-300x200.png\" alt=\"credit-score\" width=\"500\" height=\"333\" srcset=\"https:\/\/dollarhand.com\/wp-content\/uploads\/2022\/07\/credit-score-300x200.png 300w, https:\/\/dollarhand.com\/wp-content\/uploads\/2022\/07\/credit-score.png 572w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>What Can Cause A Credit Score To Drop?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Common factors that can cause a credit score to drop include\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Missed or late payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">High credit card balances<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Collections or charge-offs<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Applying for multiple credit accounts in a short period of time<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bankruptcy or foreclosure.\u00a0<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>Can You Get A Loan If Your Credit Score Drops?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Yes, you can get a loan even if your credit score has dropped but it may be more difficult. This is because the drop in your credit score signals to lenders that you may have some trouble paying off your loan in the near future. As a result, you may be offered higher interest rates or may be required to put up collateral to secure the loan.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>How Long Does It Take For A Credit Score To Recover After A Drop?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In general, it can take several months to a year or more to see a significant improvement in your credit score. However, the time it takes for a credit score to recover after a drop depends on a number of factors including the severity of the drop, the reason for the drop and how quickly you take steps to improve your credit.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>Can I Improve My Chances Of Getting A Loan With A Low Credit Score?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Yes, there are some ways to improve your chances of getting a loan with a low credit score. The main ways to improve your chances of getting a loan with a low credit score are by finding a co-signer or putting up collateral to secure the loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A co-signer is someone who agrees to take responsibility for the loan if you become unable to repay it. Because the co-signer is essentially guaranteeing the loan, lenders may be more willing to offer a loan to someone with a low credit score.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, you may want to consider improving your credit score before you resort to these options. You can do this by paying off outstanding debts, making payments on time and avoiding opening new credit accounts.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>What Are Some Types Of Loans That Are Available To People With Low Credit Scores?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Applicants with low credit scores may be able to get other types of financial products such as secured loans. A secured loan is a type of loan that requires you to put up collateral, such as a car or a house, in exchange for the loan. Lenders will feel more secure offering loans to people with bad credit if they have some sort of assurance in the form of collateral, meaning this could be a viable option if you have a low credit score. However, if you default on the loan, the lender has the right to seize the collateral, meaning you could lose your house or car.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Other types of loans that are available to people with poor credit include personal loans or <a href=\"https:\/\/dollarhand.com\/guides\/what-is-a-payday-loan\/\">payday loans<\/a>. However, it is important to note that these loans may come with higher interest rates and fees.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>What Are The Risks Associated With Getting A Loan With A Low Credit Score?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">If you have a low credit score, the risks include higher interest rates and fees, which can make it difficult to repay the loan. Keep in mind that taking on more debt when you already have a low credit score can make it even harder to improve your credit in the future.<\/span><\/p>\n<p>Conversely, if you take out a loan and repay it back on time, it is indeed possible that this may improve your credit rating. However, this should not be your primary reason for borrowing money.<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>What Should I Consider Before Taking Out A Loan With A Low Credit Score?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Before taking out a loan with a low credit score, you should consider the following:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest rates and fees associated with the loan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your ability to repay the loan on time<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The terms and conditions of the loan, including any penalties for late payments or default.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>Can A Lender Deny Me A Loan Based Solely On My Credit Score?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Yes, lenders use your credit score as one factor in determining your creditworthiness, and if your score is too low, it can be a red flag that you may be a risky borrower. In cases like this, you can try to negotiate with creditors to set up a payment plan or ask for a temporary forbearance or deferment.\u00a0<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-6892\" src=\"https:\/\/dollarhand.com\/wp-content\/uploads\/2022\/12\/loan-application-denied-300x179.jpeg\" alt=\"loan-application-denied\" width=\"500\" height=\"299\" srcset=\"https:\/\/dollarhand.com\/wp-content\/uploads\/2022\/12\/loan-application-denied-300x179.jpeg 300w, https:\/\/dollarhand.com\/wp-content\/uploads\/2022\/12\/loan-application-denied-768x459.jpeg 768w, https:\/\/dollarhand.com\/wp-content\/uploads\/2022\/12\/loan-application-denied-640x383.jpeg 640w, https:\/\/dollarhand.com\/wp-content\/uploads\/2022\/12\/loan-application-denied.jpeg 960w\" sizes=\"(max-width: 500px) 100vw, 500px\" \/><\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: center;\"><strong>How Do I Quickly Improve My Credit Score?<\/strong><\/h2>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\"><a href=\"https:\/\/dollarhand.com\/guides\/how-to-improve-your-credit-score\/\">Improving your credit score<\/a> usually takes time and consistent effort but there are some steps you can take to improve your credit score relatively quickly. These include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Paying off outstanding debts<\/span><\/li>\n<li aria-level=\"1\">Joining the electoral register<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Disputing any errors on your credit report<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Keeping your credit card balances low.<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n\n            <div id=\"daexthefu-container\"\n                 class=\"daexthefu-container daexthefu-layout-side-by-side daexthefu-alignment-left\"\n                 data-post-id=\"8181\">\n\n                <div class=\"daexthefu-feedback\">\n                    <div class=\"daexthefu-text\">\n                        <h3 class=\"daexthefu-title\">Was this article helpful?<\/h3>\n                    <\/div>\n                    <div 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A low credit score can be a red flag to lenders that you could be a risky borrower, and they may be hesitant to offer you a loan. According to Experian\u2019s [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":8183,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_helpful_status":1,"footnotes":""},"categories":[5],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can You Get A Loan If Your Credit Score Drops? | Dollar Hand<\/title>\n<meta name=\"description\" content=\"If you have a low credit score it is entirely possible to get a loan but it may be more difficult and expensive. 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