How to get a personal loan if I was a bad payer before?
In Peru, many people have had bad financial experiences. Whether for borrowing more than they could return or be late paying a credit card, the truth is that these events end up marking their credit history and although apparently this has no consequence, some time later, when they need to borrow money again, come that is not as easy as they thought.
This happens because in his credit history that debt was already registered and they appear as a client who did not make payments on the appropriate dates, which for financial entities translates as a risky client. However, this does not have to be decisive and there are three actions you can take to get the financing you need even after an event like that.
Start with small amounts
You have to start easily, with amounts that are easy to return and that can show the system that, despite what happened before, you can be a good customer and payer. However, this does not have to be decisive and there are three actions you can take to get the financing you need even after an event like that.
Search for a salary account
In this way, the financial institution will be aware that every month you receive an income, that is, you can return the money if you request it. In addition, after a certain period, I could also offer you a loan.
Use more flexible options
Not all entities have the same requirements. In this sense, a bank may deny you the loan you need, but a box or financial company could grant it to you. Ideally, you look for different options and for that, you can compare the alternatives.
Once you get the amount you want, it is crucial that you be punctual in the payments and complete them until all the debt is paid, that way you will continue to strengthen your history.