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Here we are at global financial end of days if we are to understand all the news we hear. However it is regularly in times of economic trouble that individuals actually need a loan to finance them. Though loaners do generally tend tighten their belts during difficult periods, there are no doubt lenders able to lend to consumers. Even consumers with a bad credit history , you can still get what are called bad credit loans. There may be regular ordinary APR interest rates, though if you desperately need the cash, this may be your only channel.