Can I get a loan with a credit score below 500?

Yes, but you may need collateral or a co-signer. Lenders like OneMain or Moneyview are good options.

What’s the difference between secured and unsecured loans?

Secured loans require collateral (like a car), while unsecured loans don’t but have higher rates.

Steer clear of lenders with APRs above 36% or unclear terms. Check reviews and BBB ratings.

Yes, SBI offers rates as low as 11.05%, and NBFCs like Moneyview have flexible terms.

A co-signer with good credit improves your approval odds and lowers your rate, but they’re responsible if you miss payments.