If you ask most people, bad credit personal loans are the last nail in your financial coffin. This is because firstly it is the means of last resort for those who have a bad credit record and secondly they have the ability to cause your credit score to go down further. They are justified in thinking so but this is never the case if you are able to see this loan for what it is and put it to the use that it was intended for. Most wise people take on this loan to invest it so that there is returns which will help them to repay the loans that made them get into the bad credit books in the first place. If you really want to put the last nail in your financial coffin, then take a bad credit personal loan and misuse it, you will not have any money to use and you may not be able to pay up what you owe.
Source: http://www.tongcho-corea.com/business-finance/loans-mortgages/bad-credit-personal-loans
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