Having fixed interest rates will lead to paying more money.
Explain any bad credit history with good, truthful reasons that apply such as job loss or medical emergency. Lenders are not allowed to garnish the wages of military borrowers.

Late Payments-Do you have any installment loans that you are paying the bank on. The loan is processed based on the trust of the applicant's signature alone.

Small secured personal loans compare many providers as you can on the Internet.