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My credit file is well under the average for the regular financial institution to give me the loan that I would like. I would like to take a loan of around ?1,000 to make home repairs and until now no lender wants to loan me the cash. I have read that you could obtain special Loans for People with Bad Credit which should be superior than pay day loans, which apparently suck you into a borrowing chain. The rates on fast cash loans, are very bad – are loans for people with bad credit better? I am not happy to take a secured loan on my home.