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Any lender would normally pull your credit report and check your credit score to evaluate your loan eligibility. It could be difficult to get an installment loan with bad credit. However, the options are not ruled out.
Secured loans such as loan against gold, assets and property are some of the easiest ways to get an instalment loan. As the lender has the advantage of the collateral, it is easier to get a secured loan with a bad credit. However, the rate of interest could be slightly higher.
If you intend to spend the loan amount for purchase of lifestyle products, you can also opt for EMI card or EMI on debit which may not have a credit check from the lender’s side.
It is very important to be credit healthy in order to make smarter credit decisions. Try to repay your outstanding dues to the lenders and get back on track to good credit health.