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Use your home to get better rates. Denny Ceizyk joined the Bankrate Loans team as a Senior Writer in , providing 30 years of insight from his experience in loan sales and as a personal finance writer to help consumers navigate the lending landscape on their financial journeys. High interest and high APR are common when it comes to borrowing with fair or poor credit. The steps to do so include the following:. So, if you have bad credit or poor credit, you might still qualify for lending if you make a good income and have a solid job history.
