Post Office Personal Loans are provided by Bank of Ireland UK. Post Office Limited is a credit broker and not a lender. Like my brother, many consumers have made financial mistakes on their way around the board, but they still need financing for other important expenses. Finding unsecured loans for people with bad credit can be tough (especially if grandma isn't an option), but it isn't impossible. While you should be prepared to pay higher interest rates than your good-credit comrades, you can often still find the loan you need regardless of credit status.Keep in mind, payday loans are very costly, particularly compared to other types of loans. Fees can range from $10 to $30 for every $100 borrowed. That means a two-week payday loan with a $15 per $100 fee would equate to an annual percentage rate of charge, or APR, of 400 percent. Credit cards, in contrast, typically have an APR ranging from 12 to 30 percent.
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