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Borrowers who go for multiple loans are not fewer in England.
However, you don't need to submit a loan application to see quotes from lenders or 'nose around' and see which lenders are in the nationwide network. These lenders, no matter how big they are, want as much guarantee as possible.
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Late Payments-Do you have any installment loans that you are paying the bank on. Explain any bad credit history with good, truthful reasons that apply such as job loss or medical emergency.
Small secured personal loans compare many providers as you can on the Internet.

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