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There are certain limits to unsecured bad credit loans such as a smaller loan value and a shorter repayment period. As expected, the interest rates are slightly higher than secured bad credit loans. These unsecured loans are also known as guaranteed approval loans, quick loans, payday loans or cash advance loans.

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Getting 100 percent loan-to-value refinancing is difficult but not impossible depending on your credit and income circumstances. Under normal circumstances, lenders want at least FICO 680 or higher; anything over 700 improves your chances of approval.

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