 TITLE: Where Can I Get a Small Loan With Bad Credit? CONTENT: How Does Bad Credit Affect Lending Decisions?\n---------------------------------------------\nLower credit scores correspond with a higher statistical likelihood that a person will miss a payment in the future. To account for the risk of lending to someone who might not repay their loan, lenders may charge higher origination fees and interest rates. They may also have a minimum credit score requirement, and you could be denied outright if your score doesn't make the cutoff.\nCredit scores generally range from 300 to 850, and a score in the mid-600s or lower may be considered a bad credit score. Once your score is around 670 or higher, you could find yourself in the \"good\" score range.\nLenders often consider more than your credit score on its own when reviewing a loan application, however. Other factors they may look for include your income, outstanding debt and history with the lender. In general, the worse your credit, the better your other qualifications may need to be to qualify for a loan or low interest rate. END