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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 decision by McDonald’s to change the way it subsidizes franchisees could lead to an increase in the price of a Happy Meal.The fast food chain is reportedly getting rid of a decades-old deal with franchise owners that helps cover the cost of those Happy Meal toys.Starting in 2021, McDonald’s will stop sending the roughly 0 monthly contribution, called the “Happy Meal rent and service fee,” to it’s U.S. restaurants, according to an internal message."We recognize this subsidy has been in place for many years," reads the memo viewed by Business Insider. "However, it is no longer fueling growth in the way it once was."Franchisees will be able to increase the price of a Happy Meal by 20 cents to offset the difference. McDonald’s doesn’t set menu item prices, and lets franchisees decide depending on location.Franchisees are reportedly not happy about the subsidy being eliminated, and other new fees that will start next year."COVID is surging, and they're worried about taking our Happy Meal subsidy?" a franchisee told Business Insider. "It's not something that families in America want. They want a value-priced Happy Meal."McDonald’s told CNN they are finding ways to provide other subsidies.McDonald’s only owns about 5% of their restaurant locations in the U.S., the other 95% are owned and operated by independent franchisees. 1351

A black bear was spotted wandering through backyards in Brecksville, Ohio on Tuesday night, and it seems to be a little hungry.Officers said the bear bent a fence to get into a beehive within the fenced area.Police said the bear was sighted in the 9000 block of Highland Road, east of I-77 and south of State Route 82. This area has deep wooded lots, according to officials.The animal warden was out checking the area with officers and the Ohio Department of Natural Resources will be contacted in the morning, according to police. 564

A family who lost their baby daughter when crossing a partially blind corner in Point Loma is getting a .5 million settlement check from the city. John Aavang was pushing his daughter Juniper across Canon Street at Catalina Boulevard in March 2015, when an SUV crashed into them, killing Juniper and severely injuring John.The intersection was filled with dangers, including a palm tree that was partially blocking a crosswalk sign, and even hid people crossing from view until a driver got close enough. Neighbors at the time said they'd been complaining for years. The San Diego City Council approved the .5 million settlement Tuesday. But before that, made numerous changes to improve safety, including: 730

A little girl with a passion for writing letters is now becoming a published author.Emerson Weber went viral earlier this year when her dad tweeted her story.Emerson had about a dozen pen-pals at the time. She writes them letters filled with jokes and stories, and she always decorates the envelopes.“It's like a little piece of art that someone's going to find in their mailbox, and I get my inspiration from everywhere,” said Weber, author of “Sincerely, Emerson.”Weber wanted to thank her mail carrier for always taking all her letters, so she wrote him too. Her mail carrier then shared that letter with his supervisor at work, who shared it regionally, and the responses poured in. Two boxes full of letters from postal workers arrived.Some sent back stamps or asked her to send a letter to more people in their family.Many postal workers said they felt seen for the first time in a long time, and she wrote back to all of them.“In this time that's a little crazy, they're still out there doing their job, so we can stay connected to our pen pals and people we love,” said Weber.After her story spread online, even more people from all over started writing Weber.She hopes when people read her book, they realize how one act of kindness can spread.“And I also hope they take the time to write a letter because people really appreciate that,” she said. “Your grandparents, your friends, anyone would really love to get a letter from you and it's just so meaningful.”Her picture book based on the viral story, “Sincerely Emerson,” comes out next week. 1562