MSE Guide: Should I get a loan if I have a bad credit score?

MSE_Rosie

This is the place to discuss our new Should I get a loan if I have a bad credit score? guide. 

We'd love to hear your thoughts, personal experiences, and general feedback. 

If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.

MorningcoffeeIV

No. You shouldn't get loans if you believe in credit scores.

Whether you should get a loan depends on its purpose, affordability, your attitude to credit, the rates you can get, alternative options and so on.

retiredbanker1

It's the wrong question to ask.

The question should be can I  honestly afford the repayments or not?