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A low credit score doesn’t have to stand in your way if you want to get a personal loan to cover an emergency or consolidate your debts.Borrowers with bad credit, which is a FICO score below 630, may need to put in some extra work to qualify for a personal loan. But taking these steps can not only help you get approved, they could also get you a cheaper interest rate.Clean up your credit, shrink your debtBefore you apply for a personal loan, get a copy of your credit report to see what the lender will see on it, says Adrienne Ross, a Washington-based certified financial planner. You can get one free copy of your report from all three major credit bureaus at annualcreditreport.com.The details on your credit report can show you why your score is low and signal how to address the issues before a lender sees it.For example, a past-due account is likely a red flag to a lender, but you’ll have a better chance of qualifying if you can spot it and make the payment before you apply, Ross says.Lenders also consider the percentage of your monthly income that goes toward debt payments, called your debt-to-income ratio. You’ll need a DTI below 50% to qualify with most lenders, and lower is often better.If you don’t urgently need the loan, pay down debt before you apply, Ross says. Not only will lower outstanding balances reduce your DTI, they will also lower your credit utilization, which is the amount of your available credit you use and a main factor in your credit score calculation.Add a co-signer or collateralA quicker solution may be to choose a lender that allows you to add a co-signer. A willing friend or family member with good credit and strong income can help you get approved, says Thomas Rindahl, a CFP with TruWest Wealth Management Services in Arizona.Tread lightly with co-signed loans, he says, because the person you add to your application will be required to pay the loan if you can’t.Some lenders may also offer secured personal loans that require you to pledge something you own such as a vehicle or savings account, he says. Borrowers with fair or bad credit may have a better chance of qualifying and getting better rates with a secured loan, but the lender can seize the collateral if you don’t make your payments.Make a repayment planChoose a lender that reports your loan payments to the credit bureaus, as this can help you build credit, Ross says. This means the next time you borrow money or apply for a credit card, you could get a lower rate.But because lenders report both on-time and missed payments, your ability to make them will determine if your credit improves or worsens.Be prepared to ask questions about rates, terms and extra fees so you understand exactly what you’ll owe each month and when you’ll owe it, Ross says. Knowing that will help you make a plan to manage your payments.Even with a solid payment plan, you could end up late on one or two payments along the way. Since lenders don’t immediately report late payments to the credit bureaus, Ross says, make the payment as quickly as possible to avoid the hit to your credit.Compare lendersComparing offers from online lenders, banks and credit unions can help you find the best rate and features for your situation.Some online lenders offer personal loans specifically for borrowers with low credit scores. Look for reputable lenders that cap their annual percentage rates at 36%, which consumer advocates and financial experts say is the highest rate an affordable loan can have.Bad-credit borrowers will likely qualify for rates close to a reputable lender’s rate cap, but nowhere near the 300% or higher APRs that payday lenders offer.Online lenders may also let you pre-qualify with a soft credit check, allowing you to see what rate and loan amount you could get without hurting your credit score. Many banks and credit unions require borrowers to formally apply to see their offer, triggering a hard check that can cause a temporary dip in your score. Some online lenders can also fund a loan the same or next day, while a bank could take a week or more.On the other hand, your community bank or credit union may be more willing to consider the circumstances if a recent misunderstanding or years-old issue is keeping your credit score down, Rindahl says.“An online lender might have competitive rates, and it might be easy because you can do your application at home, but if you don’t fit their algorithm, you don’t fit their algorithm,” he says. “Your local institution, whether it’s a credit union or bank, is much more likely to look at the person as a whole,” he says.More From NerdWallet4 Steps to Pre-Qualify for a Personal LoanBoost Your Chances of Getting Your Personal Loan ApprovedHow to Get a Personal Loan in a COVID-19 EconomyAnnie Millerbernd is a writer at NerdWallet. Email: amillerbernd@nerdwallet.com. 4850

A man picking up passersby flagging him and his buggy down for a ride is calling his service "Amish Uber."The service is not affiliated with the actual Uber ride-sharing service, but it has been popular in the town of Colon, Michigan, where driver Timothy Hochstedler is using a horse and buggy to cart folks around.Hochstedler has a sign on his buggy that says each ride is and he was offering rides during the town's recent  81st annual Abbott's Magic Get Together festival.WWMT television station talked with people who paid for rises in the buggy, and they said the experience was unique and fun. 626

A glitch to the IRS' e-file portion of its website prompted the IRS to push back the deadline to file taxes from today (April 17) to tomorrow (April 18). The IRS said that both individuals and businesses can take advantage of the extra filing day without penalty. “This is the busiest tax day of the year, and the IRS apologizes for the inconvenience this system issue caused for taxpayers,” said Acting IRS Commissioner David Kautter. “The IRS appreciates everyone’s patience during this period. The extra time will help taxpayers affected by this situation.”The IRS said that during the system outage, taxpayers were able to file their tax returns electronically through their software providers and Free File.Taxpayers using paper to file and pay their taxes at the deadline were not affected by the system issue, the IRS said. The glitch shuttered part of the IRS' website, not allowing some who file taxes online to complete their taxes. The glitch was resolved by 5 p.m. ET.  1009

A Dutch lawyer tied to former Trump deputy campaign chairman Rick Gates who admitted to lying to special counsel Robert Mueller's team was sentenced Tuesday to 30 days in prison and ordered to pay a ,000 fine.Alex van der Zwaan is the first person to be sentenced in Mueller's investigation into Russian interference in the 2016 election.He pleaded guilty to lying to Mueller's team in February and faced up to six months in prison. 443

A fraternity headed to trial Monday for the hazing death of a pledge in Monroe County, Pennsylvania.Attorneys gave their opening statements in Monroe County in the trial of Pi Delta Psi fraternity. It's the actual Greek organization on trial for third-degree murder, not the members themselves.The Pi Delta Psi organization is on trial for the hazing death of Chun "Michael" Deng.The 18-year-old student at Baruch College in New York was killed during a hazing ritual at a home that members of the fraternity had rented in Coolbaugh Township back in 2013.Authorities charged 37 members of the fraternity in the incident.Four pleaded guilty to voluntary manslaughter and are expected to be sentenced next month.In court Monday, the prosecution recounted what happened to Chun "Michael" Deng back in December of 2013. The brutal hazing and how the brothers tried to cover it up.The defense says the organization has a no-hazing policy and does not condone the acts that were committed by the members.Officials say if the organization is found guilty, it faces fines and suspension of its rights to continue operating in the state of Pennsylvania.Please note: This content carries a strict local market embargo. If you share the same market as the contributor of this article, you may not use it on any platform.Dan Ratchford 1330

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